JdH CONSTRUCT
ActiveFrom the official registers: KBO 22 annual accounts at the National Bank publications in the Belgian Official Gazette
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 has been stable since 2018 (±1.4% per year). Its solvency ranks better than 29% of 34,902 sector peers (NACE 43, financial year 2025). The company has been active since 2004 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
KBO- Status
- Active since 11-05-2004 Normal situation
- Activity
- Other specialised construction activities NACE 43990
- Establishment unit
- 2.137.451.319 5101 Namur, since 26-04-2004
- Financial year end
- 31 December
- Peppol
- Reachable since 30-12-2025
Board and ownership
Financial position
- Bankruptcy probabilitywithin 12 months
- 1.8%
- Gross margin
- -€48,180
- Loss
- €70,054
- Equity
- €98,613
- ▼ 41.5%
- Total assets
- €363,434
- ▼ 9.5%
Score breakdownraises riskLoss of €70,054 (financial year 2025)Last filed accounts filed 26 days late; 1 of the last 3 accounts lateSector: Specialised construction activities (NACE 43)Liquidity: current ratio 1.31, cash €8,895Show the evidence
Checked score
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
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 43, micro). It does better than 29% of them on solvency, 8% on liquidity, 4% on profitability and 11% on growth.
The bankruptcy probability was computed on 31-10-2026 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.
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).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 7 accounts on average 52 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
2025 annual accounts filed 26 days after the deadline Filed on 26 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00456551.
Annual accounts 2025 filed on 26-08-2026 at the NBB all 22 filings
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result for 2025 is a loss of €57,543, after a profit of €24,538 in 2024. It is the lowest result since 2021.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Average staff per financial year, in full-time equivalents (FTE).
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Specialised construction activities (NACE 43). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio, return on assets (ROA) and staff (FTE).
Comparable companies
These companies have the same main activity as JdH CONSTRUCT: other specialised construction activities (NACE 43990). They are comparable in size and age: total assets between €357,000 and €463,000, founded between 2001 and 2007.
| Company | Founded | Total assets | Equity | Gross margin | Net result | FTE | Financial year |
|---|---|---|---|---|---|---|---|
| JdH CONSTRUCT Namur | 2004 | €363,434 | €98,613 | -€48,180 | -€70,054 | - | 2025 |
| ERDIGRO Herselt | 2004 | €411,700 | €359,109 | -€434 | €3,537 | - | 2025 |
| WODAN Beveren-Kruibeke-Zwijndrecht | 2002 | €376,410 | €372,117 | -€27,302 | -€40,082 | 0 | 2025 |
| FROEYEN INDUSTRIEVLOEREN Hasselt | 2001 | €357,377 | €338,215 | -€49,504 | -€56,343 | - | 2025 |
| KERSHA Beringen | 2007 | €428,491 | €350,812 | -€6,262 | -€24,465 | - | 2025 |
| T.O.P. Tournai | 2006 | €452,909 | -€169,160 | -€154,286 | -€226,630 | 1.2 | 2025 |
| CHAPEWERKEN VERHEYEN-PEMEN Hoogstraten | 2006 | €462,617 | €280,411 | -€20,694 | -€33,411 | - | 2025 |
They were chosen from the 7,010 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Companies with the same profile, two years later
Historical observationIn July 2024, 1,221 companies had the same profile as JdH CONSTRUCT has now. Two years later, 3.8% had gone bankrupt and 88.6% were still going.
- Micro
- 20 years or older
- solvency 10 to 30%
- a loss of 10% of the balance sheet or more
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of JdH CONSTRUCT itself: 1.8% within 12 months.
Test of the method
The method was tested on the 497,445 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 1,221 companies, not a prediction for JdH CONSTRUCT. 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.
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | - | €8,872 | - | - | - |
| Remuneration, social security and pensions62 | - | - | - | €83,214 | €6,629 | -€346 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10,737 | €6,210 | €5,006 | €5,093 | €5,151 | €6,153 | €9,149 | €8,679 | ▼ 5.1% |
| Other operating charges640/8 | - | - | - | €620 | €620 | €1,370 | €3,962 | €400 | ▼ 89.9% |
| Non-recurring operating charges66A | - | - | - | - | - | - | - | €284 | - |
| Gross operating margin9900 | €75,009 | €113,052 | €93,993 | €99,389 | €38,138 | -€7,095 | €37,649 | -€48,180 | - |
| Operating profit (loss)9901 | €34,750 | €48,526 | €14,037 | €10,462 | €25,738 | -€14,272 | €24,538 | -€57,543 | - |
| Financial income75/76B | - | - | - | €33 | €2,131 | €110 | €78 | €883 | ▲ 11× |
| Recurring financial income75 | €321 | €6,019 | €3,874 | €33 | €2,131 | €110 | €78 | €883 | ▲ 11× |
| Financial charges65/66B | - | - | - | €3,540 | €13,355 | €13,261 | €3,175 | €12,391 | ▲ 290% |
| Recurring financial charges65 | €6,459 | €15,576 | €13,609 | €3,540 | €13,355 | €13,261 | €3,175 | €12,391 | ▲ 290% |
| Profit (loss) for the period before taxes9903 | €28,612 | €42,606 | €4,303 | €6,954 | €14,514 | -€27,424 | €21,441 | -€69,052 | - |
| Income taxes67/77 | €9,660 | €9,567 | €1,516 | €2,148 | €3,842 | €300 | €333 | €1,002 | ▲ 201% |
| Profit (loss) for the period9904 | €18,952 | €33,039 | €2,787 | €4,807 | €10,672 | -€27,724 | €21,109 | -€70,054 | - |
| Profit (loss) for the period to be appropriated9905 | €18,952 | €33,039 | €2,787 | €4,807 | €10,672 | -€27,724 | €21,109 | -€70,054 | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €417,116 | €462,520 | €257,036 | €589,591 | €495,250 | €190,042 | €401,480 | €363,434 | ▼ 9.5% |
| Fixed assets21/28 | €10,828 | €6,237 | €4,363 | €11,191 | €6,040 | €32,527 | €23,378 | €15,744 | ▼ 32.7% |
| Tangible fixed assets22/27 | €10,578 | €5,987 | €4,113 | €10,941 | €5,790 | €32,277 | €23,128 | €15,494 | ▼ 33.0% |
| Plant, machinery and equipment23 | - | - | - | €4,645 | €2,499 | €984 | €143 | - | - |
| Furniture and vehicles24 | - | - | - | €6,296 | €3,291 | €31,293 | €22,985 | €15,494 | ▼ 32.6% |
| Financial fixed assets28 | €250 | €250 | €250 | €250 | €250 | €250 | €250 | €250 | = |
| Current assets29/58 | €406,288 | €456,283 | €252,673 | €578,400 | €489,210 | €157,515 | €378,102 | €347,690 | ▼ 8.0% |
| Stocks and contracts in progress3 | €130,000 | €210,000 | €30,000 | €550,000 | €420,000 | €105,000 | €319,200 | €319,200 | = |
| Stocks30/36 | - | - | - | €550,000 | €420,000 | €105,000 | €319,200 | €319,200 | = |
| Amounts receivable within one year40/41 | €44,765 | €124,026 | €66,083 | €10,177 | €66,840 | €13,778 | €40,905 | €19,276 | ▼ 52.9% |
| Trade receivables40 | - | - | - | €4,446 | €3,693 | €3,693 | €30,193 | €7,423 | ▼ 75.4% |
| Other amounts receivable41 | - | - | - | €5,730 | €63,146 | €10,085 | €10,712 | €11,853 | ▲ 10.7% |
| Cash at bank and in hand54/58 | €231,523 | €122,099 | €154,849 | €18,224 | €2,370 | €38,468 | €17,693 | €8,895 | ▼ 49.7% |
| Deferred charges and accrued income490/1 | - | - | - | - | - | €269 | €304 | €319 | ▲ 5.2% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €417,116 | €462,520 | €257,036 | €589,591 | €495,250 | €190,042 | €401,480 | €363,434 | ▼ 9.5% |
| Equity10/15 | €123,978 | €157,016 | €159,803 | €164,610 | €175,282 | €147,558 | €168,667 | €98,613 | ▼ 41.5% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | - | - | - | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | - | - | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €103,518 | €136,556 | €139,343 | €144,150 | €154,822 | €127,098 | €148,207 | €78,153 | ▼ 47.3% |
| Amounts payable17/49 | €293,138 | €305,504 | €97,233 | €424,981 | €319,968 | €42,484 | €232,813 | €264,821 | ▲ 13.7% |
| Amounts payable within one year42/48 | €293,138 | €305,504 | €97,233 | €424,981 | €319,968 | €42,484 | €232,813 | €264,821 | ▲ 13.7% |
| Financial debts43 | - | - | - | €350,000 | €255,300 | - | €203,805 | €263,487 | ▲ 29.3% |
| Credit institutions430/8 | - | - | - | €350,000 | €255,300 | - | €203,805 | €263,487 | ▲ 29.3% |
| Trade debts44 | €33,879 | €30,759 | €23,554 | €48,313 | €8,789 | €14,967 | €10,744 | - | - |
| Suppliers440/4 | - | - | - | €48,313 | €8,789 | €14,967 | €10,744 | - | - |
| Taxes, remuneration and social security45 | - | - | - | €3,926 | €55,878 | €4,300 | €843 | €1,335 | ▲ 58.3% |
| Taxes450/3 | - | - | - | €3,926 | €55,878 | €4,300 | €843 | €1,335 | ▲ 58.3% |
| Other amounts payable47/48 | - | - | - | €22,743 | - | €23,218 | €17,421 | - | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €18,952 | €33,039 | €2,787 | €4,807 | €10,672 | -€27,724 | €21,109 | -€70,054 | - |
| + Depreciation and write-downs630 | €10,737 | €6,210 | €5,006 | €5,093 | €5,151 | €6,153 | €9,149 | €8,679 | ▼ 5.1% |
| Operating cash flow (approximation) | €29,690 | €39,249 | €7,792 | €9,900 | €15,823 | -€21,571 | €30,257 | -€61,375 | - |
| Investment in fixed assets (approximation) | - | -€1,619 | -€3,132 | -€11,921 | €0 | -€32,640 | €0 | -€1,045 | - |
| Change in cash | - | -€109,424 | €32,749 | -€136,625 | -€15,854 | €36,098 | -€20,775 | -€8,798 | ▲ 57.7% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Latest 10 of 22 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 26-08-2026 | 2026-00456551 | NBB |
| 31-12-2024 | micro format | 30-08-2025 | 2025-00478925 | |
| 31-12-2023 | micro format | 30-09-2024 | 2024-00478044 | |
| 31-12-2022 | micro format | 08-10-2023 | 2023-00476384 | |
| 31-12-2021 | micro format | 05-10-2022 | 2022-20451302 | |
| 31-12-2020 | micro format | 29-08-2021 | 2021-55700207 | |
| 31-12-2019 | micro format | 25-10-2020 | 2020-63200276 | |
| 31-12-2018 | micro format | 26-08-2019 | 2019-51900085 | |
| 31-12-2017 | micro format | 30-08-2018 | 2018-53300362 | |
| 31-12-2016 | micro format | 31-08-2017 | 2017-50800242 |
Board & ownership
Directors
Owners and capital
Capital transactions
- 21-12-2023 Capital stated in the deed · €20,460 · 186 shares
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| Jean de HAAN |
|
| de WASSEIGE Sarah Viviane Yolande Hervé Myriam Joséphine Ghislaine |
|
Articles of association
Board and representation
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “2”
deed of 01-04-2026 (in French)
Capital, shares and profit
- Kind of sharesThe articles set which classes of shares exist and what rights each class carries.
- “Nominatives, registre des actions nominatives”
deed of 21-12-2023 (in French)
Audit, dissolution and liquidation
- Dissolution ruleThe articles set when and by whom the company can be dissolved.
- “Formes prévues pour modifications aux statuts, assemblée générale”
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Article 23, dissolution pour quelque cause et à quelque moment que ce soit”
deed of 21-12-2023 (in French)
Network & group
JdH CONSTRUCT shares no director with another company.
Connections & network
2 current directorsThe network starts from the directors of JdH CONSTRUCT. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
01-04
Gazette deed
Appointments: Jean de HAAN (statutory director) and de WASSEIGE Sarah Viviane Yolande Hervé Myriam Joséphine Ghislaine (director)3 points ▸
- General meeting, 06-12-2023
- Director appointment, Jean de HAAN (statutory director)
- Director appointment, de WASSEIGE Sarah Viviane Yolande Hervé Myriam Joséphine Ghislaine (director (not named in the articles))
21-12
Gazette deed
Appointment: Jean de HAAN (statutory director)Capital · Registered office clause · Board rule6 points ▸
- General meeting, 06-12-2023
- Capital, “euros 20.460” (deed in French)
- Board composition, Jean de HAAN (statutory director)
- Registered office clause, “Allée des Chanterelles,10,5101 Namur(Erpent)” (deed in French)
- Board rule, 1
- Director appointment, Jean de HAAN (statutory director)
Show earlier events
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 20256 activities
- D’esthétique
- De toilettage canin
- De traiteur/restaurateur
- De pédicure médicale
- De réflexologie plantaire
- De formation, de stage, d’organisation d’évènement dans les domaines qui précèdent
Invoicing and payment
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 0865.234.852
Financial year and general meeting
Accounts at the NBBSites & property
1 establishment unit
Buildings and parcels at the address
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 92039B0014/00S009 | Wallonia | 624 m² | 1 · 162 m² | - |