Turnover
The micro format states no turnover.
The micro format states no turnover.
2025 accounts not filed: deadline was 31-07-2026.
Lower net result than 90% of companies in civil engineering. Sector median €10,886 · 1,312 companies.
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).
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).
In July 2024, 6,908 companies had the same profile as JDG has now. Each dot stands for 18 companies, two years later.
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.
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.
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.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
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.
| 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.
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.
2025 annual accounts not yet filed, deadline passed on 31 July 2026 The financial year closed on 31 December 2025. The accounts are due at the latest 7 months after the close (Companies Code art. 3:10). Source: NBB filings, as of 9 November 2026.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €760. Estimated: probably between €350 and €1,800.
Higher than 45% of 1,318 companies in 2024.
Higher than 54% of 1,267 companies in 2024.
Higher than 13% of 1,278 companies in 2024.
Net result: bottom quarter · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
| Line | Trend | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Balance sheet: assets | |||||||||||||||||
20/58 |
197,864 | 256,069 | 220,669 | 215,320 | 233,170 | 235,587 | 254,444 | 239,228 | 265,303 | 139,718 | 110,417 | 107,257 | 95,982 | 173,842 | 183,867 | 173,447 | |
21/28 |
22,927 | 40,805 | 2,353 | 2,033 | 2,710 | 3,388 | 4,395 | 6,122 | 8,089 | 10,056 | 4,327 | 8,915 | 14,842 | 33,224 | 39,911 | 46,186 | |
22/27 |
22,927 | 40,805 | 2,353 | 2,033 | 2,710 | 3,388 | 4,395 | 6,122 | 8,089 | 10,056 | 4,327 | 8,915 | 14,842 | 33,224 | 39,911 | 46,186 | |
23 |
1,792 | 678 | 1,355 | 2,033 | 2,710 | 3,388 | 4,249 | 5,111 | 5,973 | 6,835 | - | - | - | - | - | - | |
24 |
21,136 | 40,128 | 998 | - | - | - | 145 | 813 | 1,655 | 2,497 | 3,339 | 7,663 | 13,327 | 31,445 | 37,869 | 43,880 | |
26 |
- | - | - | - | - | - | - | 198 | 461 | 724 | 988 | 1,252 | 1,515 | 1,779 | 2,042 | 2,306 | |
29/58 |
174,937 | 215,263 | 218,316 | 213,288 | 230,460 | 232,199 | 250,050 | 233,106 | 257,215 | 129,662 | 106,090 | 98,342 | 81,140 | 140,618 | 143,956 | 127,261 | |
29 |
100,000 | 100,000 | 100,000 | 100,000 | 100,000 | 100,000 | 100,000 | 100,000 | 100,000 | - | - | - | - | - | - | - | |
291 |
100,000 | 100,000 | 100,000 | 100,000 | 100,000 | 100,000 | 100,000 | 100,000 | 100,000 | - | - | - | - | - | - | - | |
40/41 |
69,766 | 93,204 | 88,393 | 96,960 | 90,160 | 108,585 | 131,706 | 106,533 | 110,094 | 125,234 | 104,152 | 97,936 | 80,692 | 131,729 | 100,392 | 62,678 | |
40 |
16,943 | 26,822 | 12,736 | 12,275 | 5,319 | 15,084 | 46,620 | 32,285 | 47,373 | - | 14,030 | 13,265 | - | 64,654 | 35,000 | 29,040 | |
41 |
52,823 | 66,382 | 75,657 | 84,685 | 84,841 | 93,502 | 85,086 | 74,248 | 62,721 | 125,234 | 90,122 | 84,671 | 80,692 | 67,075 | 65,392 | 33,638 | |
54/58 |
5,171 | 21,397 | 28,904 | 15,289 | 39,431 | 22,753 | 16,905 | 26,344 | 46,901 | 4,145 | 1,666 | 142 | 229 | 8,540 | 43,055 | 64,072 | |
490/1 |
- | 662 | 1,019 | 1,039 | 869 | 861 | 1,439 | 228 | 219 | 283 | 272 | 264 | 219 | 349 | 509 | 511 | |
| Balance sheet: equity and liabilities | |||||||||||||||||
10/49 |
197,864 | 256,069 | 220,669 | 215,320 | 233,170 | 235,587 | 254,444 | 239,228 | 265,303 | 139,718 | 110,417 | 107,257 | 95,982 | 173,842 | 183,867 | 173,447 | |
10/15 |
80,583 | 95,771 | 96,090 | 94,944 | 99,093 | 100,692 | 98,960 | 99,652 | 89,068 | 55,266 | 33,503 | 13,213 | -4,561 | 73,010 | 101,169 | 91,426 | |
10/11 |
6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | |
100 |
- | - | - | - | - | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | |
101 |
- | - | - | - | - | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | |
13 |
1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | |
130/1 |
- | 1,860 | 1,860 | 1,860 | 1,860 | - | - | - | - | - | - | - | - | - | - | - | |
130 |
- | - | - | - | - | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | |
1311 |
- | 1,860 | 1,860 | 1,860 | 1,860 | - | - | - | - | - | - | - | - | - | - | - | |
133 |
1,860 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
14 |
72,523 | 87,711 | 88,030 | 86,884 | 91,033 | 92,632 | 90,900 | 91,592 | 81,008 | 47,206 | 25,443 | 5,153 | -12,621 | 64,950 | 93,109 | 83,366 | |
17/49 |
117,281 | 160,298 | 124,579 | 120,376 | 134,077 | 134,895 | 155,484 | 139,575 | 176,235 | 84,452 | 76,914 | 94,044 | 100,543 | 100,832 | 82,698 | 82,021 | |
17 |
20,230 | 27,370 | - | - | - | - | - | - | - | - | - | - | 4,612 | 18,192 | 6,854 | 15,254 | |
170/4 |
20,230 | 27,370 | - | - | - | - | - | - | - | - | - | - | 4,612 | 18,192 | 6,854 | 15,254 | |
42/48 |
97,051 | 132,928 | 123,161 | 119,578 | 133,093 | 134,291 | 154,936 | 139,032 | 176,235 | 84,452 | 76,914 | 94,044 | 95,931 | 82,640 | 75,844 | 66,767 | |
42 |
7,140 | 8,330 | - | - | - | - | - | - | - | - | - | 6,738 | 13,581 | 20,060 | 8,400 | 11,793 | |
43 |
63,846 | 63,846 | 63,846 | 63,846 | 63,846 | 63,846 | 63,846 | 63,846 | 63,846 | 63,846 | 63,846 | 68,378 | 58,846 | 30,846 | - | - | |
430/8 |
63,846 | 63,846 | 63,846 | 63,846 | 63,846 | 63,846 | 63,846 | 63,846 | 63,846 | 63,846 | 63,846 | 68,378 | 58,846 | 30,846 | - | - | |
44 |
20,360 | 37,995 | 36,806 | 40,745 | 54,014 | 48,778 | 56,379 | 45,001 | 84,653 | 18,287 | 12,581 | 16,306 | 17,998 | 13,301 | 9,762 | 2,051 | |
440/4 |
20,360 | 37,995 | 36,806 | 40,745 | 54,014 | 48,778 | 56,379 | 45,001 | 84,653 | 18,287 | 12,581 | 16,306 | 17,998 | 13,301 | 9,762 | 2,051 | |
45 |
5,706 | 6,757 | 6,509 | 2,987 | 5,233 | 5,667 | 11,710 | 6,185 | 5,237 | 2,319 | 487 | 2,622 | 5,506 | 18,433 | 57,682 | 52,923 | |
450/3 |
5,706 | 6,757 | 6,509 | 2,987 | 5,233 | 5,667 | 11,710 | 6,185 | 5,237 | 2,319 | 487 | 2,622 | 5,506 | 18,433 | 57,682 | 52,923 | |
47/48 |
- | 16,000 | 16,000 | 12,000 | 10,000 | 16,000 | 23,000 | 24,000 | 22,500 | - | - | - | - | - | - | - | |
492/3 |
- | - | 1,419 | 798 | 985 | 604 | 548 | 543 | - | - | - | - | - | - | - | - | |
| Income statement | |||||||||||||||||
9900 |
100 | 24,729 | 17,835 | 5,617 | 2,814 | 14,974 | 22,245 | 35,835 | 61,003 | 22,074 | 20,359 | 20,349 | -23,882 | -10,637 | 44,302 | 162,951 | |
630 |
13,022 | 5,832 | 919 | 678 | 678 | 1,007 | 1,727 | 1,967 | 1,967 | 1,967 | 1,105 | 5,927 | 6,227 | 18,838 | 25,530 | 27,215 | |
640/8 |
774 | 1,244 | 1,034 | 815 | 772 | 1,241 | 2,023 | 1,290 | 3,784 | 2,955 | 1,491 | 1,028 | 48,125 | 773 | 1,378 | 3,868 | |
9901 |
-13,697 | 17,653 | 15,882 | 4,125 | 1,364 | 12,726 | 18,494 | 32,578 | 55,252 | 17,152 | 17,763 | 13,394 | -78,234 | -30,248 | 17,394 | 131,868 | |
75/76B |
6,208 | 6,350 | 8,110 | 8,635 | 12,012 | 10,706 | 10,641 | 10,747 | 8,191 | 8,441 | 7,686 | 6,956 | 6,689 | 5,442 | 4,339 | 1,927 | |
75 |
6,208 | 6,350 | 8,110 | 8,635 | 12,012 | 10,706 | 10,641 | 10,747 | 8,191 | 8,441 | 7,686 | 6,956 | 6,689 | 5,442 | 4,339 | 1,927 | |
65/66B |
7,695 | 5,771 | 3,858 | 3,248 | 3,544 | 2,566 | 2,462 | 3,202 | 2,391 | 3,830 | 5,159 | 2,576 | 6,026 | 3,368 | 1,427 | 2,041 | |
65 |
7,695 | 5,771 | 3,858 | 3,248 | 3,544 | 2,566 | 2,462 | 3,202 | 2,391 | 3,830 | 5,159 | 2,576 | 6,026 | 3,368 | 1,427 | 2,041 | |
9903 |
-15,183 | 18,233 | 20,134 | 9,511 | 9,832 | 20,866 | 26,674 | 40,123 | 61,053 | 21,763 | 20,290 | 17,774 | -77,571 | -28,174 | 20,306 | 131,754 | |
67/77 |
4 | 2,552 | 2,989 | 1,659 | 1,431 | 3,134 | 4,366 | 5,539 | 4,750 | - | - | - | - | -15 | 10,563 | 46,528 | |
9904 |
-15,187 | 15,681 | 17,145 | 7,852 | 8,401 | 17,732 | 22,308 | 34,584 | 56,303 | 21,763 | 20,290 | 17,774 | -77,571 | -28,159 | 9,743 | 85,226 | |
9905 |
-15,187 | 15,681 | 17,145 | 7,852 | 8,401 | 17,732 | 22,308 | 34,584 | 56,303 | 21,763 | 20,290 | 17,774 | -77,571 | -28,159 | 9,743 | 85,226 | |
| Appropriation of the result | |||||||||||||||||
9906 |
72,523 | 103,711 | 104,030 | 98,884 | 101,033 | 108,632 | 113,900 | 115,592 | 103,508 | 47,206 | 25,443 | 5,153 | -12,621 | 64,950 | 93,109 | 85,226 | |
14P |
87,711 | 88,030 | 86,884 | 91,033 | - | - | - | - | - | - | - | - | - | - | - | - | |
691/2 |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 1,860 | |
6920 |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 1,860 | |
694/7 |
- | 16,000 | 16,000 | 12,000 | 10,000 | 16,000 | 23,000 | 24,000 | 22,500 | - | - | - | - | - | - | - | |
695 |
- | 16,000 | 16,000 | 12,000 | 10,000 | 16,000 | 23,000 | 24,000 | 22,500 | - | - | - | - | - | - | - | |
| Document | |||||||||||||||||
The notes to these accounts have 8 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2024 (PDF), filed on 29-09-2025.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2024 | micro format | 29-09-2025 | 2025-00532635 | |
| 31-12-2023 | micro format | 30-09-2024 | 2024-00497553 | |
| 31-12-2022 | micro format | 06-10-2023 | 2023-00483329 | |
| 31-12-2021 | micro format | 02-12-2022 | 2022-20531640 | |
| 31-12-2020 | micro format | 29-10-2021 | 2021-75400477 | |
| 31-12-2019 | micro format | 12-11-2020 | 2020-70500130 | |
| 31-12-2018 | micro format | 31-10-2019 | 2019-73100210 | |
| 31-12-2017 | micro format | 19-09-2019 | 2019-65300128 | |
| 31-12-2016 | micro format | 28-09-2017 | 2017-64700307 | |
| 31-12-2015 | abbreviated format | 18-08-2016 | 2016-44500079 | |
| 31-12-2014 | abbreviated format | 29-12-2015 | 2015-71000238 | |
| 31-12-2013 | abbreviated format | 18-12-2015 | 2015-69500559 | |
| 31-12-2012 | abbreviated format | 27-09-2013 | 2013-61000511 | |
| 31-12-2011 | abbreviated format | 16-11-2012 | 2012-64100211 | |
| 31-12-2010 | abbreviated format | 31-10-2011 | 2011-59500379 | |
| 31-12-2009 | abbreviated format | 12-10-2010 | 2010-57900556 |
| Line | Trend | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| -674 | 23,485 | 16,801 | 4,802 | 2,042 | 13,733 | 20,221 | 34,545 | 57,220 | 19,119 | 18,868 | 19,321 | -72,007 | -11,410 | 42,924 | 159,083 | ||
| -2,165 | 21,513 | 18,064 | 8,529 | 9,078 | 18,739 | 24,035 | 36,551 | 58,270 | 23,730 | 21,395 | 23,701 | -71,344 | -9,321 | 35,273 | 112,441 | ||
| 1,824 | 44,284 | 1,239 | 0 | 0 | 0 | 0 | 0 | 0 | 7,696 | -3,483 | 0 | -12,155 | 17,676 | 19,255 | 73,401 | ||
| -16,226 | -7,507 | 13,615 | -24,142 | 16,679 | 5,848 | -9,439 | -20,557 | 42,756 | 2,479 | 1,524 | -87 | -8,311 | -34,515 | -21,017 | - | ||
| 77,886 | 82,335 | 95,155 | 93,710 | 97,367 | 97,908 | 95,114 | 94,074 | 80,979 | 45,210 | 29,176 | 4,298 | -14,791 | 57,978 | 68,112 | 60,494 | ||
| 40.7% | 37.4% | 43.5% | 44.1% | 42.5% | 42.7% | 38.9% | 41.7% | 33.6% | 39.6% | 30.3% | 12.3% | -4.8% | 42.0% | 55.0% | 52.7% | ||
| 1.80 | 1.62 | 1.77 | 1.78 | 1.73 | 1.73 | 1.61 | 1.68 | 1.46 | 1.54 | 1.38 | 1.05 | 0.85 | 1.70 | 1.90 | 1.91 | ||
| 1.46 | 1.67 | 1.30 | 1.27 | 1.35 | 1.34 | 1.57 | 1.40 | 1.98 | 1.53 | 2.30 | 7.12 | - | 1.38 | 0.82 | 0.90 | ||
| -18.8% | 16.4% | 17.8% | 8.3% | 8.5% | 17.6% | 22.5% | 34.7% | 63.2% | 39.4% | 60.6% | 134.5% | - | -38.6% | 9.6% | 93.2% | ||
| -7.7% | 6.1% | 7.8% | 3.6% | 3.6% | 7.5% | 8.8% | 14.5% | 21.2% | 15.6% | 18.4% | 16.6% | -80.8% | -16.2% | 5.3% | 49.1% | ||
| -0.09 | 4.07 | 4.35 | 1.48 | - | - | - | - | - | - | - | - | - | - | - | - |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
| Tangible fixed assets | €1,824 | €44,284 | €1,239 | - |
| €13,022 | €5,832 | €919 | €678 |
Source: notes to the 2021 to 2024 annual accounts (statement of fixed assets)
The operating result for 2024 is a loss of €13,697, after a profit of €17,653 in 2023. It is the lowest result since 2012.
Debt's share of the balance-sheet total falls from 62.6% to 59.3%. Equity and debt are lower.
JDG has no parent and no holdings in its annual accounts.
| De Graef, Lisa (sole trader)
establishment since 28-07-2020 |
founded in 2020 0751.574.905 |
See the function holders in the KBO register.
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
| Establishment | Since | Unit number |
|---|---|---|
| Koningin Paolalaan 7 registered office 9140 Temse 70200 Business and other management consultancy | 17-10-2008 | 2.173.891.348 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 46302D1400/00A002 | 936 m² | 1 · 200 m² | 8.8 m · 2 |
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0807.315.657
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