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JE Construct

Active Private limited companyfounded 2018active for 8 yearsLoystraat 60A, 9220 Hamme (Vl.)KBO/BCE: BE 0712.602.283
JE Construct
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Overview

Lifetime

6 annual accounts with figures on one time axis
peak €10,534 (2025)
€10,534▲ 45.0%
lowest -€1,379 (2024)
€3,002▲ €4,381
peak €12,507 (2025)
€12,507▲ 31.6%
€6,180▼ 56.9%
Board1 name since 2022
1 directorMoyson Jozef
Documentsfilings and deeds
21-01-202610 days before the deadline
2025micro format
Gross margin from €7,265 to €10,534Back to profit: €3,002Registered office moved from Hamme to Dendermonde 20-08Equity from €9,505 to €12,507Debts from €14,336 to €6,180Cash from €2,777 to €3,930

Key points

from the 2025 annual accounts

Turnover

≈ €130,000 estimated

The micro format states no turnover.

Liquidity

1.93 was 0.22 in 2024

Short-term debts fell from €14,336 to €2,398.

Filings

6 annual accounts since 2020
deadline202020222024

The last five annual accounts were filed 1 to 43 days before the end of the period.

Checked score

51
Fair
Financially stronger than 75% of micro companies in construction of buildings (NACE 41)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
3.8% Moderate
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: 1.5% across 13,457 companies (NACE 41, micro).

About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: 3.0% 01-2025: 1.7%▼ -1.3 percentage points vs 12-2024 02-2025: 1.7%● unchanged vs 01-2025 03-2025: 1.7%● unchanged vs 02-2025 04-2025: 1.7%● unchanged vs 03-2025 05-2025: 1.7%● unchanged vs 04-2025 06-2025: 1.7%● unchanged vs 05-2025 07-2025: 1.7%● unchanged vs 06-2025 08-2025: 1.7%● unchanged vs 07-2025 09-2025: 2.4%▲ +0.7 percentage points vs 08-2025 10-2025: 2.7%▲ +0.3 percentage points vs 09-2025 11-2025: 3.1%▲ +0.4 percentage points vs 10-2025 12-2025: 3.0%▼ -0.1 percentage points vs 11-2025 01-2026: 3.3%▲ +0.3 percentage points vs 12-2025 02-2026: 1.3%▼ -2.0 percentage points vs 01-2026 03-2026: 1.3%● unchanged vs 02-2026 04-2026: 1.3%● unchanged vs 03-2026 05-2026: 1.3%● unchanged vs 04-2026 06-2026: 1.2%▼ -0.1 percentage points vs 05-2026lowest value 07-2026: 3.6%▲ +2.4 percentage points vs 06-2026 08-2026: 3.5%▼ -0.1 percentage points vs 07-2026 09-2026: 3.5%● unchanged vs 08-2026 10-2026: 3.8%▲ +0.3 percentage points vs 09-2026highest value 11-2026: 3.8%● unchanged vs 10-2026highest value

Financial strength
Strong

92+27equity 66.9% of total assets
75+42short-term debt 12.8% · cash 21.0%
89+27return on assets 16.1%

Score breakdown

raises risk
2 changes of registered office in 24 months
Founded in 2018
Size: total assets €18,687
lowers risk
Liquidity: current ratio 1.93, cash €3,930
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 41, micro). It does better than 76% of them on solvency, 78% on liquidity, 73% on profitability and 71% on growth.

The bankruptcy probability was computed on 06-11-2026 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 30-06-2025.

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, 26,972 companies had the same profile as JE Construct has now. Each dot stands for 68 companies, two years later.

94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
  • Micro
  • 5 to 10 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more

Another 0.1% stopped without a precise date, possibly only after those two years.

The bankruptcy probability of JE Construct itself is higher: 3.8% within 12 months. It rests on far more data about JE Construct 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.

The companies in ten equal groups, from the lowest to the highest expected share
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 26,972 companies, not a prediction for JE 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.

Credit verdict

Credit of up to €500 on 30-day terms is acceptable

Liquidity is ample, with a current ratio of 1.93 (0.22 in 2024), above the usual 1.5. Short-term debt is 12.8% and cash 21% of total assets. 33.1% of the assets are financed with debt and provisions.

Credit check for an amount and term of your choice

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.

Signals

Five signals.
lowers riskraises riskneutral
raises risk · 2 changes of registered office in 24 months
Belgian Official Gazette
raises risk · Founded in 2018
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Liquidity: current ratio 1.93, cash €3,930
NBB · annual accounts
raises risk · Size: total assets €18,687
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
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 filings
Deviation from the deadline
2025
10 days early
2024
43 days early
2023
1 day early
2022
6 days early
2021
4 days early
2020
3 days early
← 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 11 days before the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 25 January (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
30-06-2026 year end07-11-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Board and ownership

MJ
Moyson Jozef
Director
Board & ownership

Recent changes

Registered office moved from Dendermonde to Hamme New registered office: Loystraat 60A te 9220 Hamme · Previous registered office: Kruisstraat 56, 9200 Dendermonde · Board meeting of 05-03-2026 · Gazette deed
Registered in the Peppol Directory Reachable for e-invoices through 0208:0712602283
Registered office moved from Hamme to Dendermonde New registered office: Kruisstraat 56, 9200 Dendermonde · Previous registered office: Heirbaan 198A, 9220 Hamme (VI.) · Board meeting of 05-03-2024 · Gazette deed
Incorporation published on 30-10-2018 · Gazette deed
All 15 events

Comparable companies

same main activity, similar in size and age
Company
JE Construct Hamme (Vl.) €18,687 €10,534 66.9% -
BOD.SV.COMPANY Overijse €25,348 €8,396 98.8% -
LRG BOUW Maasmechelen €27,667 €10,011 55.5% -
SR CONSTRUCTS Brussels €28,569 €12,059 -5.5% -
DEHOUPE SERVICES COMPANY Machelen (Brab.) €29,805 €10,085 -6.3% -
TRZ Tubize €10,920 €9,256 19.8% -
LIONS Etterbeek €12,968 €6,731 8.3% -

These companies have the same main activity as JE Construct: general construction of other non-residential buildings (NACE 41003). They are comparable in size and age: total assets between €10,900 and €29,800, founded between 2017 and 2020.

Official details

Source: KBO
Status
Active since 26-10-2018Normal situation
Activity
General construction of other non-residential buildingsNACE 41003and 2 others
Establishment unit
2.281.970.8279200 Dendermonde, since 26-10-2018
Financial year end
30 June
Peppol
Reachable since 23-09-2025
Company details

Annual accounts to 30-06-2025

€10,534▲ 45.0%
€3,002
€12,507▲ 31.6%
€18,687▼ 21.6%
Filing
Filed on 21-01-2026, 10 days before the end of the filing period
Financials

Insights on JE Construct

JE Construct files the micro format. That format states no turnover. The gross margin rose from €5,005 in 2020 to €10,534 in 2025.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

micro format, filed on 21-01-2026, 10 days before the deadline
€10,534
▲ 45.0%
€3,722
▲ €5,058
€3,002
▲ €4,381
€2,223
▲ €13,422
66.9%
▲ 27.1 percentage points
1.93
▲ 1.71

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 ≈ €130,000. Estimated: probably between €67,000 and €230,000.

Balance sheet

balance sheet total €18,687 on 30-06-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

Compare with sector

66.9%

Higher than 76% of 9,435 companies in 2025.

1.93

Higher than 56% of 9,183 companies in 2025.

16.1%

Higher than 69% of 9,255 companies in 2025.

JE Construct Middle half of the sector 80% of the sector Micro accounts in construction of buildings (NACE 41)

Net result: middle half · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: middle half

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend202520242023202220212020
Balance sheet: assets
20/58 18,68723,84134,07319,62514,75115,177
21/28 14,06620,70427,7682,4973,4553,914
22/27 14,06620,70427,7682,4973,4553,914
23 3346911,0481,4051,044645
24 13,73220,01326,7201,0922,4113,269
29/58 4,6213,1376,30517,12811,29611,263
40/41 6913605,66114,9486,45810,812
40 -3514,82914,5525,69510,799
41 691983239676313
54/58 3,9302,7776442,1804,838451
Balance sheet: equity and liabilities
10/49 18,68723,84134,07319,62514,75115,177
10/15 12,5079,50510,8849,4097,2515,131
10/11 6,2006,2006,2006,2006,2006,200
100 -----18,600
101 -----12,400
11 ----6,200-
1109/19 ----6,200-
14 6,3073,3054,6843,2091,051-1,069
17/49 6,18014,33623,18910,2167,50010,046
42/48 2,39814,33623,18910,2167,50010,046
44 1,72410,05213,0811,7948063,736
440/4 1,72410,05213,0811,7948063,736
45 674-1,323712269-
450/3 674-1,323712269-
47/48 -4,2848,7857,7106,4256,310
492/3 3,782-----
Income statement
9900 10,5347,2659,0315,3297,1845,005
630 6,6387,0636,1341,8043,3965,485
640/8 1741,5387667131,363563
9901 3,722-1,3362,1312,8122,425-1,043
75/76B -9--91
75 -9--91
65/66B 465245564527
65 465245564527
9903 3,676-1,3792,0862,7562,389-1,069
67/77 674-611598269-
9904 3,002-1,3791,4752,1582,120-1,069
9905 3,002-1,3791,4752,1582,120-1,069
Appropriation of the result
9906 6,3073,3054,6843,2091,051-1,069
14P 3,3054,6843,2091,051--
Document PDFPDFPDFPDFPDFPDF

The notes to these accounts have 4 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 2025 (PDF), filed on 21-01-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank
Financial year Type Filed Reference Document
30-06-2025 micro format 21-01-2026 2026-00011914 PDF
30-06-2024 micro format 19-12-2024 2024-00622111 PDF
30-06-2023 micro format 30-01-2024 2024-00019732 PDF
30-06-2022 micro format 25-01-2023 2023-00006386 PDF
30-06-2021 micro format 27-01-2022 2022-04300332 PDF
30-06-2020 micro format 28-01-2021 2021-02700250 PDF

Subsidies and aid

Flemish government 2024, 1 entry, €104 awarded, €104 paid

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
€104

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend202520242023202220212020
10,3605,7278,2654,6165,8214,442
9,6405,6847,6093,9625,5164,416
0-131,4058462,9379,399
1,1532,133-1,536-2,6584,387-
2,223-11,199-16,8846,9123,7961,217
66.9%39.9%31.9%47.9%49.2%33.8%
1.930.220.271.681.511.12
0.491.512.131.091.031.96
24.0%-14.5%13.6%22.9%29.2%-20.8%
16.1%-5.8%4.3%11.0%14.4%-7.0%
over 100over 100over 10082.43--

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.

Investments

fixed assets acquired
Item30-06-202530-06-202430-06-202330-06-2022
Tangible fixed assets--€31,405€846
€6,638€7,063€6,134€1,804

Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)

Insights on JE Construct

The operating result for 2025 is a profit of €3,722, after a loss of €1,336 in 2024. It is the highest result since 2020.

Debt's share of the balance-sheet total falls from 60.1% to 33.1%. Equity is higher and debt is lower.

Board & ownership

Board

1 director
Moyson Jozef
Director
listed in the 2025 annual accounts, filed on 21-01-2026

Office holders in the KBO →

Mandates through the years

1 name, the dashed line is today
Moyson Jozef
Director
Boardmandate already running before its first mention
Mandates as a list
  • Moyson Jozef
    • Director, since before 30-06-2022

See the board, name and registered office on a given date →

Control

See the annual accounts at the National Bank and the publications in the Belgian Official Gazette.

Capital

Contribution
€6,200
Source
2025 annual accounts

Network & group

No group

JE Construct has no parent and no holdings in its annual accounts. Moyson Jozef is the only director. JE Construct shares no director with another company.

Timeline

Timeline

15 events since 2018

Deadline for the 2026 accounts: 31-01-2027

2026
Registered office moved from Dendermonde to HammeNew registered office: Loystraat 60A te 9220 Hamme · Previous registered office: Kruisstraat 56, 9200 Dendermonde · Board meeting of 05-03-20262 points ▸
  • Board meeting, 05-03-2026
  • Registered-office move, Loystraat 60A te 9220 Hamme

Open the deed in the Belgian Official Gazette

Annual accounts 2025 filed PDFmicro format · 10 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:0712602283
Registered office moved from Hamme to DendermondeNew registered office: Kruisstraat 56, 9200 Dendermonde · Previous registered office: Heirbaan 198A, 9220 Hamme (VI.) · Board meeting of 05-03-20242 points ▸
  • Board meeting, 05-03-2024
  • Registered-office move, Kruisstraat 56, 9200 Dendermonde

Open the deed in the Belgian Official Gazette

Back to profit net €3,002 The net result is €3,002, after one loss-making year.
Liquidity more than 8 times current ratio 1.93 The current ratio rises from 0.22 to 1.93. Short-term debt falls from €14,336 to €2,398.
2024
Annual accounts 2024 filed PDFmicro format · 43 days before the deadline
Weakest financial year net -€1,379 The net result drops to -€1,379, the lowest from 2020 to 2025. It recovers the following year.
Annual accounts 2023 filed PDFmicro format · 1 day before the deadline
2023
Annual accounts 2022 filed PDFmicro format · 6 days before the deadline
2022
Annual accounts 2021 filed PDFmicro format · 4 days before the deadline
2021
Back to profit net €2,120 The net result is €2,120, after one loss-making year.
Annual accounts 2020 filed PDFmicro format · 3 days before the deadline
2018
Incorporation PDFpublished on 30-10-2018
First establishment Kruisstraat 56, Dendermonde

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

JE Construct was incorporated on 26 October 2018.1 The registered office moved to Dendermonde in 2025 and to Hamme in 2026.23 Total assets rose from €15,177 in 2020 to €18,687 in 2025.4

  1. 1KBO register
  2. 2Belgian Official Gazette, 20-08-2025
  3. 3Belgian Official Gazette, 26-06-2026
  4. 4National Bank, annual accounts 2020 and 2025

Company details

Identity

Enterprise number
0712.602.283
VAT number
BE 0712.602.283
Peppol ID
0208:0712602283
Other Peppol ID
9925:BE0712602283
Legal form
Private limited company
Status
Active, normal situation
Founded
26-10-2018
Financial year
ends on 30 June
Peppol
Reachable since 23-09-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
JE Construct in Dutch
Entity type
Legal entity

Activities

NACEBEL 2025
41003 General construction of other non-residential buildings main activity
43120 Site preparation
71111 Activities of building architects
Codes under NACEBEL 2008
41203 Construction of residential and non-residential buildings main activity
43120 Site preparation
71111 Architectural and engineering activities; technical testing and analysis

Registered office and establishments

1 establishment
Establishment Since Unit number
Loystraat 60A registered office 9220 Hamme (Vl.)
Kruisstraat 56 9200 Dendermonde 26-10-2018 2.281.970.827
2 former offices
  • Kruisstraat 56, 9200 Dendermonde until 05-03-2026 · deed of 26-06-2026
  • Heirbaan 198A, 9220 Hamme (VI.) until 05-03-2024 · deed of 20-08-2025

Buildings and parcels at the addresses

Ground area
742 m²
Buildings
297 m²
Volume, LiDAR
990 m³
Tallest building
6.8 m
Buildings to scale, each on its own parcel
169 m², 3.5 m 129 m², 6.8 m 169 m², 3.5 m 129 m², 6.8 m

Location

registered office establishment The establishment unit on the map

Parcels

Cadastral parcelArea Buildings Height / floors
42008A1561/00M000382 m² 1 · 129 m² 6.8 m · 1
42021C0467/00A002360 m² 1 · 169 m² 3.5 m · 1

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 0712.602.283

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