JF BUILD
ActiveThe computed 12-month bankruptcy probability of JF BUILD is 2.9% (moderate). The 2025 annual accounts show negative equity (€-16k) and a net result of €-10k. Equity is shrinking by ~178.3% per year across the filed fiscal years. Its solvency ranks better than 11% of 7431 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
32
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability34▲+3
Solvency23=
Growth32=
Track record94
Bankruptcy probability, 12 months
2.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.4 against 1.92 in 2024; short-term debt: 71.3% and cash: 0.9% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven 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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-1.9%
Return on assets
-1.2%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
232425
2023 to 2025 · latest year €-16k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-07-2026, 21 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
21 d early
2024
54 d late
2023
22 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-16k▼ 178%
2024 · €-6k
2023: €5k
2024: €-6k
2023 → 2025
Total assets
€847k▲ 123%
2024 · €379k
2023: €134k
2024: €379k
2023 → 2025
Net result
€-10k▲ 0.1%
2024 · €-10k
2023: €-5k
2024: €-10k
2023 → 2025
Working capital
€243k▲ 33.5%
2024 · €182k
2023: €-119k
2024: €182k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€5k-€-6k€-16k▼ 178%
Operating result€-5k-€-4k▲ 32.6%€-2k▲ 51.0%
Net result€-5k-€-10k▼ 94.5%€-10k▲ 0.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2k in 2025 against €4k in 2024; the loss shrinks.
Key figures and ratios
Solvency
-1.9%▼
2024 · -1.5%
Current ratio
1.40▼
2024 · 1.92
Quick ratio
0.23▼
2024 · 0.93
Debt / equity
-52.79▲
2024 · -65.55
ROA
-1.2%▲
2024 · -2.8%
Debt
€863k▲
2024 · €385k
Debt ≤ 1 year
€604k▲
2024 · €198k
Debt > 1 year
€259k▲
2024 · €188k
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€379k€847k▲
Current assets29/58€379k€847k▲
Stocks and contracts in progress3€195k€709k▲
Stocks30/36€195k€709k▲
Amounts receivable within one year40/41€82k€130k▲
Other amounts receivable41€82k€130k▲
Cash at bank and in hand54/58€101k€8k▼
Equity and liabilities
Total equity and liabilities10/49€379k€847k▲
Equity10/15€-6k€-16k▼
Contributions10/11€10k€10k=
Profit (loss) carried forward14€-16k€-26k▼
Amounts payable17/49€385k€863k▲
Amounts payable after more than one year17€188k€259k▲
Financial debts170/4€188k€259k▲
Amounts payable within one year42/48€198k€604k▲
Trade debts44€68k€1k▼
Suppliers440/4€68k€1k▼
Taxes, remuneration and social security45-€6k
Taxes450/3-€6k
Other amounts payable47/48€129k€597k▲
Income statement
Code20242025
Non-recurring operating income76A€2k€0▼
Other operating charges640/8€2k€544▼
Gross operating margin9900€-2k€-1k▲
Operating profit (loss)9901€-4k€-2k▲
Financial charges65/66B€7k€9k▲
Recurring financial charges65€7k€9k▲
Profit (loss) for the period before taxes9903€-10k€-10k▲
Profit (loss) for the period9904€-10k€-10k▲
Profit (loss) for the period to be appropriated9905€-10k€-10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-16k€-26k▼
Profit (loss) brought forward from the previous period14P€-5k€-16k▼
The notes to these accounts (6 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 54 days late
2024
31-12
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 24current ratio 1.92
Current ratio from 0.08 to 1.92.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Aalst · 1 establishment unit since 2022
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.
Korte Keppestraat 99320 AalstGround area
7,939 m²
Building footprint
611 m²
Volume, LiDAR
15,407 m³
Parcel 41342B0950/00M002, Flanders · tallest building 29.3 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
JF BUILD
since 20222.335.190.569
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41342B0950/00M002 | Flanders | 7,939 m² | 1 · 611 m² | 29.3 m · 9 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
EFRAIM
BE 0801.281.069
Vilvoorde · Eq €5k
DEVANTO
BE 0897.958.296
Kalmthout · Eq €5k
Devis.be
BE 1022.823.923
Drogenbos · Eq €4k
E.M.S MULTISERVICES
BE 1002.181.531
Brussel · Eq €4k
NJ CONSTRUCTION
BE 1011.129.780
Fleurus · Eq €6k
Of 333 companies in sector 41002 we hold annual accounts for 133. 51 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-08-2022
Fiscal year end31-12
Activities, NACEBEL
41002Construction of residential and non-residential buildings
68121Development of residential building projects
68122Development of non-residential building projects
46180Agents specialised in the wholesale of other particular products
71209Other technical testing and analysis
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.