JDG
ActiveSummary
JDG has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €81k and a net result of €-15k. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 44% of 1330 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability9▼-51
Solvency66▲+4
Growth32=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 1.8 against 1.62 in 2023; short-term debt: 49% and cash: 2.6% of total assets), but 59.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
40.7%
Return on assets
-7.7%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 42
Relative position
BE, all sectors
reference
Civil engineering (NACE 42)
about 27% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
60 d late
2023
61 d late
2022
67 d late
2021
124 d late
2020
90 d late
2019
104 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€81k▼ 15.9%
2023 · €96k
2018: €99k
2019: €101k▲ +1.7% vs 2018highest in 7 years
2020: €99k▼ -1.6% vs 2019
2021: €95k▼ -4.2% vs 2020
2022: €96k▲ +1.2% vs 2021
2023: €96k▼ -0.3% vs 2022
2024: €81k▼ -15.9% vs 2023lowest in 7 years
2018 → 2024
Total assets
€198k▼ 22.7%
2023 · €256k
2018: €254k
2019: €236k▼ -7.4% vs 2018
2020: €233k▼ -1.0% vs 2019
2021: €215k▼ -7.7% vs 2020
2022: €221k▲ +2.5% vs 2021
2023: €256k▲ +16.0% vs 2022highest in 7 years
2024: €198k▼ -22.7% vs 2023lowest in 7 years
2018 → 2024
Net result
€-15k
2023 · €16k
2018: €22khighest in 7 years
2019: €18k▼ -20.5% vs 2018
2020: €8k▼ -52.6% vs 2019
2021: €8k▼ -6.5% vs 2020
2022: €17k▲ +118% vs 2021
2023: €16k▼ -8.5% vs 2022
2024: €-15k▼ -197% vs 2023lowest in 7 years
2018 → 2024
Working capital
€78k▼ 5.4%
2023 · €82k
2018: €95k
2019: €98k▲ +2.9% vs 2018highest in 7 years
2020: €97k▼ -0.6% vs 2019
2021: €94k▼ -3.8% vs 2020
2022: €95k▲ +1.5% vs 2021
2023: €82k▼ -13.5% vs 2022
2024: €78k▼ -5.4% vs 2023lowest in 7 years
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€99k-€95k▼ 4.2%€96k▲ 1.2%€96k▼ 0.3%€81k▼ 15.9%
2020: €99khighest in 5 years
2021: €95k▼ -4.2% vs 2020
2022: €96k▲ +1.2% vs 2021
2023: €96k▼ -0.3% vs 2022
2024: €81k▼ -15.9% vs 2023lowest in 5 years
Operating result€1k-€4k▲ 202%€16k▲ 285%€18k▲ 11.1%€-14k
2020: €1k
2021: €4k▲ +202% vs 2020
2022: €16k▲ +285% vs 2021
2023: €18k▲ +11.1% vs 2022highest in 5 years
2024: €-14k▼ -178% vs 2023lowest in 5 years
Net result€8k-€8k▼ 6.5%€17k▲ 118%€16k▼ 8.5%€-15k
2020: €8k
2021: €8k▼ -6.5% vs 2020
2022: €17k▲ +118% vs 2021highest in 5 years
2023: €16k▼ -8.5% vs 2022
2024: €-15k▼ -197% vs 2023lowest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €14k after €18k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €198k
Fixed assets
€23k ▼ 43.8%
Current assets
€175k ▼ 18.7%
Equity and liabilities €198k
Equity
€81k ▼ 15.9%
Debt
€117k ▼ 26.8%
Debt's share of the balance-sheet total falls from 62.6% to 59.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-674▼
2023 · €23k
Cash flow
€-2k▼
2023 · €22k
Current ratio
1.80▲
2023 · 1.62
Debt to equity
1.46▼
2023 · 1.67
ROE
-18.8%▼
2023 · 16.4%
ROA
-7.7%▼
2023 · 6.1%
Interest coverage
-0.09▼
2023 · 4.07
Debt ≤ 1 year
€97k▼
2023 · €133k
Debt > 1 year
€20k▼
2023 · €27k
Income taxes
€4▼
2023 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 49 lines
Balance sheet
Code20232024
Assets
Total assets20/58€256k€198k▼
Fixed assets21/28€41k€23k▼
Tangible fixed assets22/27€41k€23k▼
Plant, machinery and equipment23€678€2k▲
Furniture and vehicles24€40k€21k▼
Current assets29/58€215k€175k▼
Amounts receivable after more than one year29€100k€100k=
Other amounts receivable291€100k€100k=
Amounts receivable within one year40/41€93k€70k▼
Trade receivables40€27k€17k▼
Other amounts receivable41€66k€53k▼
Cash at bank and in hand54/58€21k€5k▼
Deferred charges and accrued income490/1€662-
Equity and liabilities
Total equity and liabilities10/49€256k€198k▼
Equity10/15€96k€81k▼
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133-€2k
Profit (loss) carried forward14€88k€73k▼
Amounts payable17/49€160k€117k▼
Amounts payable after more than one year17€27k€20k▼
Financial debts170/4€27k€20k▼
Amounts payable within one year42/48€133k€97k▼
Current portion of amounts payable after more than one year42€8k€7k▼
Financial debts43€64k€64k=
Credit institutions430/8€64k€64k=
Trade debts44€38k€20k▼
Suppliers440/4€38k€20k▼
Taxes, remuneration and social security45€7k€6k▼
Taxes450/3€7k€6k▼
Other amounts payable47/48€16k-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€13k▲
Other operating charges640/8€1k€774▼
Gross operating margin9900€25k€100▼
Operating profit (loss)9901€18k€-14k▼
Financial income75/76B€6k€6k▼
Recurring financial income75€6k€6k▼
Financial charges65/66B€6k€8k▲
Recurring financial charges65€6k€8k▲
Profit (loss) for the period before taxes9903€18k€-15k▼
Income taxes67/77€3k€4▼
Profit (loss) for the period9904€16k€-15k▼
Profit (loss) for the period to be appropriated9905€16k€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€104k€73k▼
Profit (loss) brought forward from the previous period14P€88k€88k▼
Profit to be distributed694/7€16k-
Directors or managers695€16k-
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €678 | €678 | €919 | €6k | €13k | ▲ 123% |
| Other operating charges640/8 | - | €815 | €1k | €1k | €774 | ▼ 37.8% |
| Gross operating margin9900 | €3k | €6k | €18k | €25k | €100 | ▼ 99.6% |
| Operating profit (loss)9901 | €1k | €4k | €16k | €18k | €-14k | ▼ 178% |
| Financial income75/76B | - | €9k | €8k | €6k | €6k | ▼ 2.2% |
| Recurring financial income75 | €12k | €9k | €8k | €6k | €6k | ▼ 2.2% |
| Financial charges65/66B | - | €3k | €4k | €6k | €8k | ▲ 33.3% |
| Recurring financial charges65 | €4k | €3k | €4k | €6k | €8k | ▲ 33.3% |
| Profit (loss) for the period before taxes9903 | €10k | €10k | €20k | €18k | €-15k | ▼ 183% |
| Income taxes67/77 | €1k | €2k | €3k | €3k | €4 | ▼ 99.8% |
| Profit (loss) for the period9904 | €8k | €8k | €17k | €16k | €-15k | ▼ 197% |
| Profit (loss) for the period to be appropriated9905 | €8k | €8k | €17k | €16k | €-15k | ▼ 197% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €233k | €215k | €221k | €256k | €198k | ▼ 22.7% |
| Fixed assets21/28 | €3k | €2k | €2k | €41k | €23k | ▼ 43.8% |
| Tangible fixed assets22/27 | €3k | €2k | €2k | €41k | €23k | ▼ 43.8% |
| Plant, machinery and equipment23 | - | €2k | €1k | €678 | €2k | ▲ 164% |
| Furniture and vehicles24 | - | - | €998 | €40k | €21k | ▼ 47.3% |
| Current assets29/58 | €230k | €213k | €218k | €215k | €175k | ▼ 18.7% |
| Amounts receivable after more than one year29 | - | €100k | €100k | €100k | €100k | = |
| Other amounts receivable291 | - | €100k | €100k | €100k | €100k | = |
| Amounts receivable within one year40/41 | €90k | €97k | €88k | €93k | €70k | ▼ 25.1% |
| Trade receivables40 | - | €12k | €13k | €27k | €17k | ▼ 36.8% |
| Other amounts receivable41 | - | €85k | €76k | €66k | €53k | ▼ 20.4% |
| Cash at bank and in hand54/58 | €39k | €15k | €29k | €21k | €5k | ▼ 75.8% |
| Deferred charges and accrued income490/1 | - | €1k | €1k | €662 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €233k | €215k | €221k | €256k | €198k | ▼ 22.7% |
| Equity10/15 | €99k | €95k | €96k | €96k | €81k | ▼ 15.9% |
| Contributions10/11 | - | €6k | €6k | €6k | €6k | = |
| Reserves13 | €2k | €2k | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | - | - |
| Reserves not available under the articles1311 | - | €2k | €2k | €2k | - | - |
| Distributable reserves133 | - | - | - | - | €2k | - |
| Profit (loss) carried forward14 | €91k | €87k | €88k | €88k | €73k | ▼ 17.3% |
| Amounts payable17/49 | €134k | €120k | €125k | €160k | €117k | ▼ 26.8% |
| Amounts payable after more than one year17 | - | - | - | €27k | €20k | ▼ 26.1% |
| Financial debts170/4 | - | - | - | €27k | €20k | ▼ 26.1% |
| Amounts payable within one year42/48 | €133k | €120k | €123k | €133k | €97k | ▼ 27.0% |
| Current portion of amounts payable after more than one year42 | - | - | - | €8k | €7k | ▼ 14.3% |
| Financial debts43 | - | €64k | €64k | €64k | €64k | = |
| Credit institutions430/8 | - | €64k | €64k | €64k | €64k | = |
| Trade debts44 | €54k | €41k | €37k | €38k | €20k | ▼ 46.4% |
| Suppliers440/4 | - | €41k | €37k | €38k | €20k | ▼ 46.4% |
| Taxes, remuneration and social security45 | - | €3k | €7k | €7k | €6k | ▼ 15.6% |
| Taxes450/3 | - | €3k | €7k | €7k | €6k | ▼ 15.6% |
| Other amounts payable47/48 | - | €12k | €16k | €16k | - | - |
| Accrued charges and deferred income492/3 | - | €798 | €1k | - | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €8k | €8k | €17k | €16k | €-15k | ▼ 197% |
| + Depreciation and write-downs630 | €678 | €678 | €919 | €6k | €13k | ▲ 123% |
| Operating cash flow (approximation) | €9k | €9k | €18k | €22k | €-2k | ▼ 110% |
| Investment in fixed assets (approximation) | - | €0 | €-1k | €-44k | €5k | ▲ 111% |
| Change in cash | - | €-24k | €14k | €-8k | €-16k | ▼ 116% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
31-12
Financial
Weakest financial yearnet €-15k
Net result drops to €-15k, the lowest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
06-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 67 days late
2022
02-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 124 days late
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
2020
12-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 104 days late
2019
31-12
Financial
Equity above €100kEq €101k ▲1.7%
2 profitable years in a row build equity to €101k.
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 92 days late
19-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 415 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 59 days late
2016
18-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Temse · 1 establishment unit since 2008
Ground area
936 m²
Building footprint
200 m²
Volume, LiDAR
975 m³
Parcel 46302D1400/00A002, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
JDG
since 20082.173.891.348
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46302D1400/00A002 | Flanders | 936 m² | 1 · 200 m² | 8.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 393 companies in sector 42990 we hold annual accounts for 182. 137 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded23-10-2008
Fiscal year end31-12
Activities, NACEBEL 2025
42990Civil engineering
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.