JD CONSTRUCT

Active

Private limited companyfounded 20206 yrs activeHanestraat 15A, 9810 Nazareth-De Pinte, BelgiumKBO/BCE: BE 0744.758.971

The computed 12-month bankruptcy probability of JD CONSTRUCT is 2.0% (moderate). The 2024 annual accounts show equity of €158k and a net result of €63k. Equity is growing by ~68.1% per year across the filed fiscal years. Its solvency ranks better than 26% of 9979 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

51 / 100

Fair= vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100=

Solvency13▲+1

Growth78=

Stability100

Bankruptcy probability, 12 months

2.0% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €8k at 30 days acceptable

Liquidity short (current ratio 0.35 against 0.62 in 2023), and 80.9% 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

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

+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 41

Relative position

BE, all sectors

reference

Sector 41

higher

← fewer bankruptcies more bankruptcies →

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-07-2025, 1 day ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

not confirmed

2024

1 d early

2023

26 d late

2022

17 d late

2021

30 d late

2020

23 d late

← before the deadline after the 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 2024, micro schema

Equity

€158k▲ 65.7%

2023 · €95k

2020: €22k 2021: €21k 2022: €36k 2023: €95k

2020 → 2024

Total assets

€825k▲ 27.5%

2023 · €647k

2020: €564k 2021: €669k 2022: €650k 2023: €647k

2020 → 2024

Net result

€63k▲ 4.8%

2023 · €60k

2020: €2k 2021: €-1k 2022: €15k 2023: €60k

2020 → 2024

Working capital

€-122k▼ 105%

2023 · €-59k

2020: €-131k 2021: €-115k 2022: €-104k 2023: €-59k

2020 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€22k-€21k▼ 6.2%€36k▲ 70.5%€95k▲ 168%€158k▲ 65.7%

Operating result€6k-€8k▲ 32.2%€30k▲ 258%€88k▲ 193%€91k▲ 3.6%

Net result€2k-€-1k€15k€60k▲ 306%€63k▲ 4.8%

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 four years in a row; 2024 is 4% above 2023 and is the highest year so far.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €825k

92.1%

Fixed assets €760k▲ 37.7%

Current assets €65k▼ 31.9%

Equity and liabilities €825k

19.1%

80.9%

Equity €158k▲ 65.7%

Debt €667k▲ 20.9%

The debt ratio falls from 85.3% to 80.9%: equity grows faster than debt.

Key figures and ratios

2024 value · change against 2023

EBITDA

€136k▲

2023 · €121k

Cash flow

€107k▲

2023 · €93k

Solvency

19.1%▲

2023 · 14.7%

Current ratio

0.35▼

2023 · 0.62

Quick ratio

0.28▼

2023 · 0.53

Debt / equity

4.23▼

2023 · 5.80

ROE

39.6%▼

2023 · 62.7%

ROA

7.6%▼

2023 · 9.2%

Interest coverage

11.44▲

2023 · 9.60

Debt

€667k▲

2023 · €552k

Debt ≤ 1 year

€187k▲

2023 · €155k

Debt > 1 year

€470k▲

2023 · €397k

Income taxes

€19k▲

2023 · €18k

Staff costs

€52k▲

2023 · €37k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€647k€825k▲

Fixed assets21/28€552k€760k▲

Tangible fixed assets22/27€552k€760k▲

Land and buildings22€551k€747k▲

Plant, machinery and equipment23€415€1k▲

Furniture and vehicles24-€12k

Financial fixed assets28€205€205=

Current assets29/58€95k€65k▼

Stocks and contracts in progress3€14k€13k▼

Stocks30/36€14k€13k▼

Amounts receivable within one year40/41€53k€949▼

Trade receivables40€19k€949▼

Other amounts receivable41€34k-

Cash at bank and in hand54/58€28k€51k▲

Equity and liabilities

Total equity and liabilities10/49€647k€825k▲

Equity10/15€95k€158k▲

Contributions10/11€20k€20k=

Reserves13€75k€138k▲

Distributable reserves133€75k€138k▲

Profit (loss) carried forward14€179€180▲

Amounts payable17/49€552k€667k▲

Amounts payable after more than one year17€397k€470k▲

Financial debts170/4€397k€470k▲

Amounts payable within one year42/48€155k€187k▲

Current portion of amounts payable after more than one year42€33k€47k▲

Financial debts43€50k€50k=

Credit institutions430/8€50k€50k=

Trade debts44€25k€35k▲

Suppliers440/4€25k€35k▲

Taxes, remuneration and social security45€42k€48k▲

Taxes450/3€34k€46k▲

Remuneration and social security454/9€8k€2k▼

Other amounts payable47/48€5k€7k▲

Accrued charges and deferred income492/3€464€10k▲

Income statement Code20232024

Remuneration, social security and pensions62€37k€52k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€44k▲

Other operating charges640/8€2k€2k▲

Non-recurring operating charges66A€63-

Gross operating margin9900€160k€190k▲

Operating profit (loss)9901€88k€91k▲

Financial income75/76B€2k€2k▼

Recurring financial income75€2k€2k▼

Financial charges65/66B€13k€12k▼

Recurring financial charges65€13k€12k▼

Profit (loss) for the period before taxes9903€78k€81k▲

Income taxes67/77€18k€19k▲

Profit (loss) for the period9904€60k€63k▲

Profit (loss) for the period to be appropriated9905€60k€63k▲

Appropriation of the result

Profit (loss) to be appropriated9906€75k€63k▼

Profit (loss) brought forward from the previous period14P€16k€179▼

Transfer to equity691/2€75k€63k▼

To other reserves6921€75k€63k▼

The notes to these accounts (9 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 9Financial 4Filings 5

2025

30-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Highest result since 2020net €63k ▲4.8%

Operating result €91k, net result €63k, both a record.

31-12

Financial Equity above €150kEq €158k ▲65.7%

3 profitable years in a row build equity to €158k.

26-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 26 days late

2023

17-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 17 days late

2022

31-12

Financial Back to profitnet €15k

Net result €15k after one loss-making year.

30-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 30 days late

2021

31-12

Financial Weakest financial yearnet €-1k ▼163%

Net result drops to €-1k, the lowest in the series; recovery starts the following year.

23-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 23 days late

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

Directors · office · real estate

Directors

3 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, Nazareth-De Pinte · 1 establishment unit since 2020

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.

Hanestraat 15A9810 Nazareth-De Pinte

Ground area

4,441 m²

Building footprint

484 m²

Volume, LiDAR

2,239 m³

2 parcels, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

JD CONSTRUCT

Hanestraat 15, 9810 Nazareth-De PinteReal estate development

since 20202.302.875.515

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
44048H0363/00V000	Flanders	2,783 m²	1 · 191 m²	8.9 m · 2 fl.
44048H0363/00W000	Flanders	1,657 m²	1 · 293 m²	9.8 m · 1 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels with an exact address match; the rest are indicative.

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

Similar companies · same sector, comparable size

BOUWONDERNEMING WOUTERS EN ZONEN

Machelen (Brab.) · Eq €158k

HYLJA PROJECTS

BE 0448.002.220

Oudsbergen · Eq €158k

Of 29,551 companies in sector 41001 we hold annual accounts for 15,877. 12,449 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded05-03-2020

Fiscal year end31-12

Activities, NACEBEL

41001General construction of residential buildings

43320Joinery installation

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.