Turnover
≈ €760 estimated
The micro format states no turnover.
JDG
Lifetime
16 annual accounts with figures on one time axispeak €162,951 (2009)
€100▼ 99.6%
lowest -€77,571 (2012)
-€15,187▼ €30,868
peak €101,169 (2010)
€80,583▼ 15.9%
€117,281▼ 26.8%
Board1 name since 2020
-
Documentsfilings and deeds
29-09-202560 days late
2024micro format
Gross margin from €24,729 to €100Loss of €15,187Change of role: DE GRAEF Jürgen, from manager to director 22-01Equity from €95,771 to €80,583Debts from €160,298 to €117,281Cash from €21,397 to €5,171
Key points
from the 2024 annual accountsFilings
16 annual accounts 101 days past the deadline
2025 accounts not filed: deadline was 31-07-2026.
Position in the sector
-€15,187
Lower net result than 90% of companies in civil engineering. Sector median €10,886 · 1,312 companies.
Checked score
51
Fair
Financially stronger than 25% of micro companies in civil engineering (NACE 42)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.5% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.8% across 1,866 companies (NACE 42, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.6%
01-2025: 0.6%● unchanged vs 12-2024lowest value
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: 0.7%▲ +0.1 percentage points vs 06-2025
08-2025: 1.1%▲ +0.4 percentage points vs 07-2025
09-2025: 1.2%▲ +0.1 percentage points vs 08-2025
10-2025: 1.5%▲ +0.3 percentage points vs 09-2025
11-2025: 1.4%▼ -0.1 percentage points vs 10-2025
12-2025: 1.4%● unchanged vs 11-2025
01-2026: 1.4%● unchanged vs 12-2025
02-2026: 1.4%● unchanged vs 01-2026
03-2026: 1.4%● unchanged vs 02-2026
04-2026: 1.4%● unchanged vs 03-2026
05-2026: 1.3%▼ -0.1 percentage points vs 04-2026
06-2026: 1.3%● unchanged vs 05-2026
07-2026: 1.3%● unchanged vs 06-2026
08-2026: 1.9%▲ +0.6 percentage points vs 07-2026
09-2026: 1.9%● unchanged vs 08-2026
10-2026: 2.5%▲ +0.6 percentage points vs 09-2026highest value
11-2026: 2.5%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Figures for financial year 2024 (filed on 07-10-2025)
1 financial year not filed after the legal deadline; last filed accounts filed 60 days late; 3 of the last 3 accounts late
Loss of €15,187 (financial year 2024)
lowers risk
Founded in 2008
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 42, micro). It does better than 46% of them on solvency, 19% on liquidity, 12% on profitability and 22% on growth.
The bankruptcy probability was computed on 08-11-2026 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 31-12-2024.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% 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, 6,908 companies had the same profile as JDG has now. Each dot stands for 18 companies, two years later.
90.9%
were still trading
7.8%
stopped another way
1.1%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of JDG itself is higher: 2.5% within 12 months. It rests on far more data about JDG than the profile alone.
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 6,908 companies, not a prediction for JDG. 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
Credit of up to €4,000 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance
Liquidity is ample, with a current ratio of 1.8 (1.62 in 2023), above the usual 1.5. Short-term debt is 49% and cash 2.6% of total assets. However, 59.3% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 101 days later.
NBB · 10 filingsPosition against the passed deadline
31-12-2025 year end31-07-2026 deadline09-11-2026 today
raises risk · 2024 accounts filed 60 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
not filed
2024
60 days late
2023
61 days late
2022
67 days late
2021
124 days late
2020
90 days late
2019
104 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 84 days after the deadline. In the sector (NACE 42), the median for financial year 2024 was 2 days before the deadline, and 41% of those companies filed late.
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0807315657
Change of role: DE GRAEF Jürgen, from manager to director
Director discharge: DE GRAEF Jürgen · Gazette deed
Incorporation
published on 31-10-2008 · Gazette deed
First establishment
Koningin Paolalaan 7, Temse
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| JDG Temse | €197,864 | €100 | 40.7% | - |
| Quality time @ home Nijlen | €297,198 | -€19,074 | 93.7% | - |
| TRI-M Invest Kortrijk | €378,966 | -€1,313 | -168.7% | - |
| GLASS AND WALL ALUMINIUM Zandhoven | €316,653 | -€34,736 | -25.6% | - |
| Geert zwembaden Beringen | €98,915 | €1,720 | 69.8% | - |
| BEKKERS GRONDWERKEN Lummen | €170,366 | -€795 | 99.7% | - |
| KR_ï_EF Berlare | €550,250 | -€194,664 | -157.9% | - |
These companies have the same main activity as JDG: civil engineering (NACE 42990). They are comparable in size and age: total assets between €98,900 and €550,000, founded between 2008 and 2016.
Official details
Source: KBO- Status
- Active since 23-10-2008Normal situation
- Activity
- Civil engineeringNACE 42990and 1 other
- Establishment unit
- 2.173.891.3489140 Temse, since 17-10-2008
- Financial year end
- 31 December
- Peppol
- Reachable since 10-12-2025
Insights on JDG
JDG files the micro format. That format states no turnover. The gross margin fell from €162,951 in 2009 to €100 in 2024.
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 JDG
- What is the company number of JDG?
- The company number of JDG is 0807.315.657. The VAT number is the same number with BE in front: BE 0807.315.657.
- Where is JDG based?
- The registered office is at Koningin Paolalaan 7, 9140 Temse.Company details
- What does JDG do?
- According to the KBO register, the main activity is civil engineering (NACE 42990).
- What is the legal form of JDG?
- JDG is a private limited company (BV).
- When was JDG founded?
- JDG was founded on 23-10-2008.
- Is JDG still active?
- Yes, JDG is an active enterprise in the KBO register.
- What is the turnover of JDG?
- The turnover in financial year 2024 is ≈ €760. This figure is estimated from the gross margin of €100 and 6,297 comparable companies of the same size. It probably lies between €350 and €1,800. It is a rough estimate.Financials
- Is JDG profitable?
- In financial year 2024, JDG made a loss of €15,187.
- Where can I find the annual accounts of JDG?
- JDG filed 16 annual accounts with the National Bank of Belgium, the latest for financial year 2024.
Next steps
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