JE Construct
ActiveThe computed 12-month bankruptcy probability of JE Construct is 1.9% (moderate). The 2025 annual accounts show equity of €13k and a net result of €3k. Equity is growing by ~15.6% per year across the filed fiscal years. Its solvency ranks better than 75% of 7452 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▲+27
Solvency92▲+27
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.93 against 0.22 in 2024; short-term debt: 12.8% and cash: 21% of total assets), and 33.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 21-01-2026, 10 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
10 d early
2024
43 d early
2023
1 d early
2022
6 d early
2021
4 d early
2020
3 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€13k▲ 31.6%
2024 · €10k
2020: €5k
2021: €7k
2022: €9k
2023: €11k
2024: €10k
2020 → 2025
Total assets
€19k▼ 21.6%
2024 · €24k
2020: €15k
2021: €15k
2022: €20k
2023: €34k
2024: €24k
2020 → 2025
Net result
€3k
2024 · €-1k
2020: €-1k
2021: €2k
2022: €2k
2023: €1k
2024: €-1k
2020 → 2025
Working capital
€2k
2024 · €-11k
2020: €1k
2021: €4k
2022: €7k
2023: €-17k
2024: €-11k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€7k-€9k▲ 29.8%€11k▲ 15.7%€10k▼ 12.7%€13k▲ 31.6%
Operating result€2k-€3k▲ 16.0%€2k▼ 24.2%€-1k€4k
Net result€2k-€2k▲ 1.8%€1k▼ 31.6%€-1k€3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €4k after a loss of €1k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €19k
Fixed assets
€14k▼ 32.1%
Current assets
€5k▲ 47.3%
Equity and liabilities €19k
Equity
€13k▲ 31.6%
Debt
€6k▼ 56.9%
The debt ratio falls from 60.1% to 33.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€10k▲
2024 · €6k
Cash flow
€10k▲
2024 · €6k
Solvency
66.9%▲
2024 · 39.9%
Current ratio
1.93▲
2024 · 0.22
Quick ratio
1.93▲
2024 · 0.22
Debt / equity
0.49▼
2024 · 1.51
ROE
24.0%▲
2024 · -14.5%
ROA
16.1%▲
2024 · -5.8%
Interest coverage
225.22▲
2024 · 110.13
Debt
€6k▼
2024 · €14k
Debt ≤ 1 year
€2k▼
2024 · €14k
Income taxes
€674
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€24k€19k▼
Fixed assets21/28€21k€14k▼
Tangible fixed assets22/27€21k€14k▼
Plant, machinery and equipment23€691€334▼
Furniture and vehicles24€20k€14k▼
Current assets29/58€3k€5k▲
Amounts receivable within one year40/41€360€691▲
Trade receivables40€351-
Other amounts receivable41€9€691▲
Cash at bank and in hand54/58€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€24k€19k▼
Equity10/15€10k€13k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€3k€6k▲
Amounts payable17/49€14k€6k▼
Amounts payable within one year42/48€14k€2k▼
Trade debts44€10k€2k▼
Suppliers440/4€10k€2k▼
Taxes, remuneration and social security45-€674
Taxes450/3-€674
Other amounts payable47/48€4k-
Accrued charges and deferred income492/3-€4k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▼
Other operating charges640/8€2k€174▼
Gross operating margin9900€7k€11k▲
Operating profit (loss)9901€-1k€4k▲
Financial income75/76B€9-
Recurring financial income75€9-
Financial charges65/66B€52€46▼
Recurring financial charges65€52€46▼
Profit (loss) for the period before taxes9903€-1k€4k▲
Income taxes67/77-€674
Profit (loss) for the period9904€-1k€3k▲
Profit (loss) for the period to be appropriated9905€-1k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€6k▲
Profit (loss) brought forward from the previous period14P€5k€3k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
21-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
30-06
Financial
Liquidity times 9current ratio 1.93
Current ratio from 0.22 to 1.93; short-term debt falls from €14k to €2k.
2024
19-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Weakest financial yearnet €-1k ▼193%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are 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, Hamme (Vl.) · 1 establishment unit since 2018
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Loystraat 60A9220 Hamme (Vl.)Ground area
742 m²
Building footprint
297 m²
2 parcels, Flanders. Linked by address, not a title deed.
1 establishment unit
JE Construct
since 20182.281.970.827
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42008A1561/00M000 | Flanders | 382 m² | 1 · 129 m² | - |
| 42021C0467/00A002 | Flanders | 360 m² | 1 · 169 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 104 EUR awarded · 104 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 104 EUR | 104 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 2,452 companies in sector 41003 we hold annual accounts for 1,055. 526 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-10-2018
Fiscal year end30-06
Activities, NACEBEL
41003General construction of other non-residential buildings
43120Site preparation
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.