Equity
-€48,471
Debts exceed assets in financial year 2025.
JDF & COMPAGNIES
Lifetime
15 annual accounts with figures on one time axispeak €57,545 (2011)
€14,735▼ 37.6%
lowest -€30,507 (2012)
€1,870▼ 76.7%
peak €39,450 (2011)
-€48,471▲ €1,870
€111,867▼ 0.6%
Documentsfilings and deeds
30-01-20261 day before the deadline
2025micro format
Gross margin from €23,614 to €14,735Result from €8,031 to €1,870Cash from €8,103 to €11,428
Key points
from the 2025 annual accountsDebts
€111,867 176% of the balance sheet
Financial debts 76%Suppliers 10%Taxes and wages 9%Other 6%
Position in the sector
-76.5%
Lower solvency than 95% of companies in real estate. Sector median 28.9% · 17,194 companies.
Checked score
54
Fair
Financially stronger than 29% of micro companies in real estate (NACE 68)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,626 companies (NACE 68, micro).
About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.6%
01-2025: 0.6%● unchanged vs 12-2024
02-2025: 0.6%● unchanged vs 01-2025
03-2025: 0.6%● unchanged vs 02-2025
04-2025: 0.6%● unchanged vs 03-2025
05-2025: 0.6%● unchanged vs 04-2025
06-2025: 0.6%● unchanged vs 05-2025
07-2025: 0.6%● unchanged vs 06-2025
08-2025: 0.6%● unchanged vs 07-2025
09-2025: 0.6%● unchanged vs 08-2025
10-2025: 0.6%● unchanged vs 09-2025
11-2025: 0.6%● unchanged vs 10-2025
12-2025: 0.6%● unchanged vs 11-2025
01-2026: 0.7%▲ +0.1 percentage points vs 12-2025highest value
02-2026: 0.6%▼ -0.1 percentage points vs 01-2026
03-2026: 0.6%● unchanged vs 02-2026
04-2026: 0.6%● unchanged vs 03-2026
05-2026: 0.6%● unchanged vs 04-2026
06-2026: 0.6%● unchanged vs 05-2026
07-2026: 0.6%● unchanged vs 06-2026
08-2026: 0.6%● unchanged vs 07-2026
09-2026: 0.6%● unchanged vs 08-2026
10-2026: 0.6%● unchanged vs 09-2026
11-2026: 0.6%● unchanged vs 10-2026lowest value
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€48,471
1 of the last 3 accounts late
lowers risk
Size: total assets €63,396
Liquidity: current ratio 0.57, cash €11,428
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 5% of them on solvency, 18% on liquidity, 39% on profitability and 56% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,379 companies had the same profile as JDF & COMPAGNIES has now. Each dot stands for 4 companies, two years later.
94.3%
were still trading
3.2%
stopped another way
2.4%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of JDF & COMPAGNIES itself: 0.6% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,379 companies, not a prediction for JDF & COMPAGNIES. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.57 (0.55 in 2024), below 1. Short-term debt is 176.5% and cash 18% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 17194 sector peers (2025).
NBB · sector comparisonPosition among 17194 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 day early
2024
70 days early
2023
84 days late
2022
14 days late
2021
22 days late
2020
46 days late
2019
10 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 15 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 14 February (4 of the last 5 accounts filed within 70 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end10-11-2026 today31-01-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0811029272
Incorporation
published on 17-04-2009 · Gazette deed
First establishment
Emile Wautersstraat 32, Brussels
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| JDF & COMPAGNIES Brussels | €63,396 | €14,735 | -76.5% | - |
| EVENT DAY Chapelle-lez-Herlaimont | €68,641 | €16,117 | 41.1% | - |
| GSK-PROJECTEN Hasselt | €66,083 | €12,355 | 88.7% | - |
| A-Z Constructief Ranst | €68,232 | €16,140 | 40.5% | - |
| TBMB Beauraing | €67,996 | €20,776 | 80.0% | - |
| GMV Genk | €73,404 | €21,510 | 84.3% | - |
| RENO CONSTRUCT SOLUTIONS Woluwe-Saint-Pierre | €60,359 | €11,127 | 70.2% | - |
These companies have the same main activity as JDF & COMPAGNIES: development of residential building projects (NACE 68121). They are comparable in size and age: total assets between €60,400 and €73,400, founded between 2007 and 2013.
Official details
Source: KBO- Status
- Active since 08-04-2009Normal situation
- Activity
- Development of residential building projectsNACE 68121and 1 other
- Establishment unit
- 2.367.147.3191020 Brussels, since 02-04-2009
- Financial year end
- 30 June
- Peppol
- Reachable since 15-01-2026
Annual accounts to 30-06-2025
- ≈ €61,000estimated
- €63,396▲ 1.9%
- Filing
- Filed on 30-01-2026, 1 day before the end of the filing period
Insights on JDF & COMPAGNIES
JDF & COMPAGNIES files the micro format. That format states no turnover. The gross margin fell from €19,372 in 2010 to €14,735 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about JDF & COMPAGNIES
- What is the company number of JDF & COMPAGNIES?
- The company number of JDF & COMPAGNIES is 0811.029.272. The VAT number is the same number with BE in front: BE 0811.029.272.
- Where is JDF & COMPAGNIES based?
- The registered office is at Emile Wautersstraat 32, 1020 Brussels.Company details
- What does JDF & COMPAGNIES do?
- According to the KBO register, the main activity is development of residential building projects (NACE 68121).
- What is the legal form of JDF & COMPAGNIES?
- JDF & COMPAGNIES is a private limited company (pre-2019) (BVBA).
- When was JDF & COMPAGNIES founded?
- JDF & COMPAGNIES was founded on 08-04-2009.
- Is JDF & COMPAGNIES still active?
- Yes, JDF & COMPAGNIES is an active enterprise in the KBO register.
- What is the turnover of JDF & COMPAGNIES?
- The turnover in financial year 2025 is ≈ €61,000. This figure is estimated from the gross margin of €14,735 and 48 comparable companies (NACE 68121). It probably lies between €30,000 and €190,000. It is a rough estimate.Financials
- Is JDF & COMPAGNIES profitable?
- In financial year 2025, JDF & COMPAGNIES made a profit of €1,870.
- Where can I find the annual accounts of JDF & COMPAGNIES?
- JDF & COMPAGNIES filed 15 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of JDF & COMPAGNIES due?
- JDF & COMPAGNIES must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
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