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JdH CONSTRUCT

Active
Private limited companyfounded 200422 yrs activeAllée des Chanterelles(EP) 10, 5101 Namur, BelgiumKBO/BCE: BE 0865.234.852
Summary

The computed 12-month bankruptcy probability of JdH CONSTRUCT is 1.8% (moderate). The 2025 annual accounts show equity of €98,613 and a net result of -€70,054. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 28% of 30651 sector peers (fiscal year 2025). The company has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
JdH CONSTRUCTActiveChecked score 52/100
Risk analysis ReportCompare

Overview

Activity
Other specialised construction activities
NACE 43990NACE 43999NACE 45250
1 site
Size
€363,434total assets 2025
Equity
€98,613
Loss
-€70,054
Turnover not published (abridged schema)
Financial health
52 Fair Checked score 2025
Bankruptcy chance 12 m
1.8%
Structure
Board
2 members
Accounts filed 26 d late1 of 4 deeds read
Why 52- Loss of €70,054 (FY 2025)- Latest accounts 26 days late; 1 of the last 3 late- Sector Specialised construction activities (NACE 43)- Liquidity: current ratio 1.31, cash €8,895Show the evidence

Checked score

Score 2025
52 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 13% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 52-15
equity 27.1% of total assets
Liquidity 14-12
short-term debt 72.9% · cash 2.4%
Profitability 0-75
return on assets -19.3%
Bankruptcy probability, 12 months
1.8% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,004 companies)
Last 11 months 12-2025: 0.7% 01-2026: 0.7%▼ -0.7% vs 12-2025 02-2026: 0.7%▲ +0.6% vs 01-2026 03-2026: 0.7%▼ -1.4% vs 02-2026 04-2026: 0.7%▼ -0.7% vs 03-2026 05-2026: 0.7%▲ +0.7% vs 04-2026 06-2026: 0.7%▼ -3.4% vs 05-2026lowest value 07-2026: 0.7%▲ +3.1% vs 06-2026 08-2026: 1.1%▲ +59.9% vs 07-2026 09-2026: 1.8%▲ +59.0% vs 08-2026highest value 10-2026: 1.8%● 0.0% vs 09-2026highest value
  • Loss of €70,054 (FY 2025) raises the probability
  • Latest accounts 26 days late; 1 of the last 3 late raises the probability
  • Sector Specialised construction activities (NACE 43) raises the probability
  • Liquidity: current ratio 1.31, cash €8,895 raises the probability
Credit up to €5,000 at 30 days acceptable
Liquidity tight (current ratio 1.31 against 1.62 in 2024; short-term debt: 72.9% and cash: 2.4% of total assets), and 72.9% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 28%, liquidity 8%, profitability 4%, growth against the median 10%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Loss of €70,054 (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Latest accounts 26 days late; 1 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · Sector Specialised construction activities (NACE 43)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Liquidity: current ratio 1.31, cash €8,895
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 filings
Deviation from the deadline
2025
26 d late
2024
30 d late
2023
61 d late
2022
69 d late
2021
66 d late
2020
29 d late
2019
86 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 52 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 1 October (4 of the last 5 filed years within 32 days of that day).
Companies Code · seven months
Position in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Appointments: Jean de HAAN (statutory director)…State Gazette act
  3. Weakest financial yearnet -€70,054

Key points

  • Caution: From profit to loss in 2025after €21,109 in 2024 -€70,054 View
  • Caution: Among the weakest 5% on net resultsector median €10,005 · 30,640 companies -€70,054 View
  • New directorslatest change 01-04-2026 · 2 in office 2 joined View

By topic

Financials

Fiscal year
2025
Total assets
€363,434
Loss
-€70,054
Solvency
27.1%
Total assets▼ 9.5%
Net result
20182025
Go to Financials

Timeline

Events
17
Since
2017
Next accounts
by 31-07-2027
  1. 26-08-2026Annual accounts filed
  2. 01-04-2026Appointments: Jean de HAAN (statutory director) and…
  3. 31-12-2025Weakest financial year
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Other specialised construction activitiesNACE 43990
Founded
11-05-2004
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
2
Purpose
D’esthétique; De toilettage canin; De traiteur/restaurateur; De pédicure médicale; De…
Go to Articles of association

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