JBconstruct

Active

Private limited companyfounded 20224 yrs activeTiensesteenweg(BIN) 48, 3211 Lubbeek, BelgiumKBO/BCE: BE 0782.492.664

The computed 12-month bankruptcy probability of JBconstruct is 2.0% (moderate). The 2025 annual accounts show equity of €193k and a net result of €109k. Equity is growing by ~96.4% per year across the filed fiscal years. Its solvency ranks better than 44% of 27451 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

73 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability98▼-2

Solvency67▼-28

Growth78=

Track record94

Bankruptcy probability, 12 months

2.0% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €14k at 30 days acceptable

Liquidity ample (current ratio 2.1 against 3.57 in 2024; short-term debt: 41.5% and cash: 55.4% of total assets), but 58.4% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 43

Relative position

BE, all sectors

reference

Sector 43

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

41.6%

Return on assets

23.6%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-07-2026, 20 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

20 d early

2024

15 d early

2023

1 d late

2022

29 d late

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

17-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€193k▲ 131%

2024 · €84k

2022: €24k 2023: €45k 2024: €84k

2022 → 2025

Total assets

€463k▲ 290%

2024 · €119k

2022: €51k 2023: €90k 2024: €119k

2022 → 2025

Net result

€109k▲ 186%

2024 · €38k

2022: €19k 2023: €37k 2024: €38k

2022 → 2025

Working capital

€212k▲ 204%

2024 · €70k

2022: €15k 2023: €35k 2024: €70k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€24k-€45k▲ 91.6%€84k▲ 84.6%€193k▲ 131%

Operating result€26k-€49k▲ 86.0%€59k▲ 20.6%€159k▲ 169%

Net result€19k-€37k▲ 96.7%€38k▲ 4.5%€109k▲ 186%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has risen three years in a row; 2025 is 169% above 2024 and is the highest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €463k

12.7%

87.3%

Fixed assets €59k▲ 175%

Current assets €404k▲ 317%

Equity and liabilities €463k

41.6%

58.4%

Equity €193k▲ 131%

Debt €271k▲ 669%

The debt ratio rises from 29.6% to 58.4%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€170k▲

2024 · €61k

Cash flow

€120k▲

2024 · €41k

Solvency

41.6%▼

2024 · 70.4%

Current ratio

2.10▼

2024 · 3.57

Quick ratio

2.10▼

2024 · 3.57

Debt / equity

1.40▲

2024 · 0.42

ROE

56.7%▲

2024 · 45.8%

ROA

23.6%▼

2024 · 32.3%

Interest coverage

102.08▲

2024 · 66.96

Debt

€271k▲

2024 · €35k

Debt ≤ 1 year

€192k▲

2024 · €27k

Debt > 1 year

€7k▼

2024 · €8k

Income taxes

€48k▲

2024 · €20k

Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.

Filed annual accounts

As filed with the NBB · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€119k€463k▲

Formation expenses20€421€224▼

Fixed assets21/28€21k€59k▲

Tangible fixed assets22/27€21k€59k▲

Plant, machinery and equipment23€3k€13k▲

Furniture and vehicles24€9k€38k▲

Leasing and similar rights25€9k€8k▼

Financial fixed assets28-€135

Current assets29/58€97k€404k▲

Amounts receivable within one year40/41€12k€145k▲

Trade receivables40€11k€144k▲

Other amounts receivable41€330€330=

Cash at bank and in hand54/58€82k€257k▲

Deferred charges and accrued income490/1€3k€3k▲

Equity and liabilities

Total equity and liabilities10/49€119k€463k▲

Equity10/15€84k€193k▲

Contributions10/11€5k€5k=

Reserves13€79k€188k▲

Distributable reserves133€79k€188k▲

Profit (loss) carried forward14€0-

Amounts payable17/49€35k€271k▲

Amounts payable after more than one year17€8k€7k▼

Financial debts170/4€8k€7k▼

Amounts payable within one year42/48€27k€192k▲

Current portion of amounts payable after more than one year42€1k€1k▲

Trade debts44€2k€118k▲

Suppliers440/4€2k€118k▲

Taxes, remuneration and social security45€18k€65k▲

Taxes450/3€16k€62k▲

Remuneration and social security454/9€3k€2k▼

Other amounts payable47/48€6k€8k▲

Accrued charges and deferred income492/3-€72k

Income statement Code20242025

Remuneration, social security and pensions62€0-

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€11k▲

Other operating charges640/8€703€2k▲

Non-recurring operating charges66A€79€0▼

Gross operating margin9900€62k€172k▲

Operating profit (loss)9901€59k€159k▲

Financial income75/76B€203€581▲

Recurring financial income75€203€581▲

Financial charges65/66B€916€2k▲

Recurring financial charges65€916€2k▲

Profit (loss) for the period before taxes9903€58k€157k▲

Income taxes67/77€20k€48k▲

Profit (loss) for the period9904€38k€109k▲

Profit (loss) for the period to be appropriated9905€38k€109k▲

Appropriation of the result

Profit (loss) to be appropriated9906€38k€109k▲

Transfer to equity691/2€38k€109k▲

To other reserves6921€38k€109k▲

Profit to be distributed694/7€0-

Return on contributions (dividend)694€0-

The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 6Financial 2Filings 4

Next filing, fiscal year 2026, expected by 31-07-2027

2026

11-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Highest result since 2022net €109k ▲186%

Operating result €159k, net result €109k, both a record.

31-12

Financial Equity above €150kEq €193k ▲131%

4 profitable years in a row build equity to €193k.

16-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

01-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 1 day late

2023

29-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 29 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.

Location & real-estate footprint

Registered office, Lubbeek · 1 establishment unit since 2022

establishment The establishment unit on the map

Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

Tiensesteenweg(BIN) 483211 Lubbeek

Ground area

974 m²

Building footprint

255 m²

Volume, LiDAR

1,269 m³

Parcel 24012B0020/00P002, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

JBconstruct

Tiensesteenweg(BIN) 48, 3211 LubbeekSpecialised construction activities

since 20222.330.089.755

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
24012B0020/00P002	Flanders	974 m²	1 · 255 m²	8.1 m · 2 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1

1 of 1 parcel with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Public money · subsidies and aid

Flemish government

2024 · 1 entry · 1,170 EUR awarded · 1,170 EUR paid

Year	Entries	awarded	paid
2024	1	1,170 EUR	1,170 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

1 entry · 1,170 EUR · 1,170 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

Aiseau-Presles · Eq €192k

INLITIRO

BE 0741.656.753

Londerzeel · Eq €194k

Of 7,292 companies in sector 43350 we hold annual accounts for 2,359. 1,813 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded22-02-2022

Fiscal year end31-12

Activities, NACEBEL

43350Other building finishing work

02400Forestry and logging

43410Roofing work

81210General cleaning of buildings

81300Landscape service activities

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.