JFC
ActiveSummary
The computed 12-month bankruptcy probability of JFC is 2.8% (moderate). The 2025 annual accounts show equity of €186,592 and a net result of €27,019. Equity is growing by ~27.5% per year across the filed fiscal years. Its solvency ranks better than 33% of 28184 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).
Checked score
Score 2025
Axes · tick = 2024
Profitability74▼-2
Solvency56▼-1
Growth78=
Track record92
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €10,000 at 30 days acceptable
Liquidity ample (current ratio 2.86 against 2.23 in 2024; short-term debt: 33% and cash: 0% of total assets), but 68.6% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
31.4%
Return on assets
4.5%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 24-03-2026, 52 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 · 8 filingsDeviation from the deadline
2025
52 d late
2024
417 d late
2023
783 d late
2022
28 d late
2021
22 d late
2020
9 d late
2019
13 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 189 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
Address struck
Checked, nothing found (1)
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 close27-09-2026 today31-01-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€186,592▲ 16.9%
2024 · €159,573
Total assets
€594,155▲ 18.6%
2024 · €500,951
Net result
€27,019▼ 8.5%
2024 · €29,534
Working capital
€365,109▲ 44.6%
2024 · €252,582
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€39,820▲ 59.5%€67,648▲ 69.9%€44,712▼ 33.9%€51,333▲ 14.8%€47,347▼ 7.8%
Net result€22,001within the sector's middle half▲ 120%€36,965above the sector's middle half▲ 68.0%€27,214within the sector's middle half▼ 26.4%€29,534above the sector's middle half▲ 8.5%€27,019within the sector's middle half▼ 8.5%
Equity€65,861within the sector's middle half▲ 50.2%€102,826within the sector's middle half▲ 56.1%€130,039within the sector's middle half▲ 26.5%€159,573above the sector's middle half▲ 22.7%€186,592above the sector's middle half▲ 16.9%
Total assets€460,095above the sector's middle half▼ 10.1%€427,915above the sector's middle half▼ 7.0%€490,024above the sector's middle half▲ 14.5%€500,951above the sector's middle half▲ 2.2%€594,155above the sector's middle half▲ 18.6%
Debt€394,234▼ 15.7%€325,090▼ 17.5%€359,985▲ 10.7%€341,378▼ 5.2%€407,563▲ 19.4%
Working capital-€6,214▼ 177%€111,822€237,136▲ 112%€252,582▲ 6.5%€365,109▲ 44.6%
Solvency14.3%below the sector's middle half▲ 5.7pp24.0%within the sector's middle half▲ 9.7pp26.5%within the sector's middle half▲ 2.5pp31.9%within the sector's middle half▲ 5.3pp31.4%within the sector's middle half▼ 0.4pp
Staff (FTE)5.3▲ 47.2%5.3=2.3▼ 56.6%2▼ 13.0%0.5▼ 75.0%
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €594,155
Fixed assets
€32,980 ▼ 24.5%
Current assets
€561,176 ▲ 22.7%
Equity and liabilities €594,155
Equity
€186,592 ▲ 16.9%
Debt
€407,563 ▲ 19.4%
Debt's share of the balance-sheet total rises from 68.1% to 68.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€59,322▼
2024 · €62,579
Cash flow
€38,994▼
2024 · €40,780
Current ratio
2.86▲
2024 · 2.23
Debt to equity
2.18▲
2024 · 2.14
ROE
14.5%▼
2024 · 18.5%
ROA
4.5%▼
2024 · 5.9%
Interest coverage
11.08▲
2024 · 6.81
Debt ≤ 1 year
€196,067▼
2024 · €204,680
Debt > 1 year
€63,638▼
2024 · €89,640
Income taxes
€15,023▲
2024 · €12,623
Staff costs
€18,288▼
2024 · €33,174
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,047 companies that looked in July 2024 the way this one looks now, 2.0% went bankrupt within 24 months and 94% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
2.0%
went bankrupt
3.7%
stopped otherwise
94%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.8% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 5,047 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €74,451 | €38,612 | €33,174 | €18,288 | ▼ 44.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €22,699 | €21,180 | €20,581 | €11,246 | €11,975 | ▲ 6.5% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €140,827 | €34,678 | ▼ 75.4% |
| Other operating charges640/8 | - | €12,622 | €4,699 | €2,879 | €8,138 | ▲ 183% |
| Non-recurring operating charges66A | - | - | €14,457 | €3,975 | €0 | ▼ 100% |
| Gross operating margin9900 | €148,107 | €175,901 | €123,060 | €243,434 | €120,425 | ▼ 50.5% |
| Operating profit (loss)9901 | €39,820 | €67,648 | €44,712 | €51,333 | €47,347 | ▼ 7.8% |
| Financial income75/76B | - | €25 | €110 | €13 | €50 | ▲ 279% |
| Recurring financial income75 | €659 | €25 | €110 | €13 | €50 | ▲ 279% |
| Financial charges65/66B | - | €13,188 | €2,983 | €9,190 | €5,356 | ▼ 41.7% |
| Recurring financial charges65 | €5,382 | €13,188 | €2,983 | €9,190 | €5,356 | ▼ 41.7% |
| Profit (loss) for the period before taxes9903 | €35,097 | €54,484 | €41,838 | €42,157 | €42,041 | ▼ 0.3% |
| Income taxes67/77 | €13,096 | €17,520 | €14,625 | €12,623 | €15,023 | ▲ 19.0% |
| Profit (loss) for the period9904 | €22,001 | €36,965 | €27,214 | €29,534 | €27,019 | ▼ 8.5% |
| Profit (loss) for the period to be appropriated9905 | €22,001 | €36,965 | €27,214 | €29,534 | €27,019 | ▼ 8.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €460,095 | €427,915 | €490,024 | €500,951 | €594,155 | ▲ 18.6% |
| Fixed assets21/28 | €254,244 | €62,538 | €48,841 | €43,689 | €32,980 | ▼ 24.5% |
| Intangible fixed assets21 | €2,600 | €2,240 | €1,920 | €1,600 | €1,280 | ▼ 20.0% |
| Tangible fixed assets22/27 | €250,984 | €59,638 | €27,921 | €22,919 | €12,530 | ▼ 45.3% |
| Land and buildings22 | - | €0 | - | - | - | - |
| Plant, machinery and equipment23 | - | €3,585 | €2,557 | €1,877 | €2,302 | ▲ 22.7% |
| Furniture and vehicles24 | - | €56,053 | €25,364 | €21,042 | €10,227 | ▼ 51.4% |
| Financial fixed assets28 | €660 | €660 | €19,000 | €19,170 | €19,170 | = |
| Current assets29/58 | €205,851 | €365,377 | €441,183 | €457,262 | €561,176 | ▲ 22.7% |
| Amounts receivable after more than one year29 | - | €6,000 | €0 | - | - | - |
| Other amounts receivable291 | - | €6,000 | €0 | - | - | - |
| Amounts receivable within one year40/41 | €199,851 | €347,795 | €429,188 | €455,503 | €560,914 | ▲ 23.1% |
| Trade receivables40 | - | €325,367 | €350,468 | €311,746 | €341,758 | ▲ 9.6% |
| Other amounts receivable41 | - | €22,428 | €78,720 | €143,757 | €219,156 | ▲ 52.4% |
| Cash at bank and in hand54/58 | €0 | €11,582 | €11,995 | €1,759 | €262 | ▼ 85.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €460,095 | €427,915 | €490,024 | €500,951 | €594,155 | ▲ 18.6% |
| Equity10/15 | €65,861 | €102,826 | €130,039 | €159,573 | €186,592 | ▲ 16.9% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €33,867 | €70,832 | €70,832 | €70,832 | €70,832 | = |
| Distributable reserves133 | - | €70,832 | €70,832 | €70,832 | €70,832 | = |
| Profit (loss) carried forward14 | €25,794 | €25,794 | €53,007 | €82,541 | €109,560 | ▲ 32.7% |
| Amounts payable17/49 | €394,234 | €325,090 | €359,985 | €341,378 | €407,563 | ▲ 19.4% |
| Amounts payable after more than one year17 | €182,169 | €41,535 | €139,258 | €89,640 | €63,638 | ▼ 29.0% |
| Financial debts170/4 | - | €41,535 | €139,258 | €89,640 | €63,638 | ▼ 29.0% |
| Amounts payable within one year42/48 | €212,065 | €253,555 | €204,047 | €204,680 | €196,067 | ▼ 4.2% |
| Current portion of amounts payable after more than one year42 | - | €26,457 | €23,781 | €27,818 | €23,500 | ▼ 15.5% |
| Financial debts43 | - | - | - | €19,754 | €15,853 | ▼ 19.7% |
| Credit institutions430/8 | - | - | - | €19,754 | €15,853 | ▼ 19.7% |
| Trade debts44 | €52,898 | €146,701 | €97,918 | €72,990 | €59,593 | ▼ 18.4% |
| Suppliers440/4 | - | €146,701 | €97,918 | €72,990 | €59,593 | ▼ 18.4% |
| Taxes, remuneration and social security45 | - | €54,687 | €56,316 | €72,371 | €89,096 | ▲ 23.1% |
| Taxes450/3 | - | €53,346 | €52,487 | €65,711 | €80,180 | ▲ 22.0% |
| Remuneration and social security454/9 | - | €1,341 | €3,829 | €6,660 | €8,916 | ▲ 33.9% |
| Other amounts payable47/48 | - | €25,710 | €26,032 | €11,747 | €8,025 | ▼ 31.7% |
| Accrued charges and deferred income492/3 | - | €30,000 | €16,680 | €47,059 | €147,859 | ▲ 214% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €22,001 | €36,965 | €27,214 | €29,534 | €27,019 | ▼ 8.5% |
| + Depreciation and write-downs630 | €22,699 | €21,180 | €20,581 | €11,246 | €11,975 | ▲ 6.5% |
| Operating cash flow (approximation) | €44,699 | €58,145 | €47,794 | €40,780 | €38,994 | ▼ 4.4% |
| Investment in fixed assets (approximation) | - | €170,525 | -€6,883 | -€6,095 | -€1,266 | ▲ 79.2% |
| Change in cash | - | €11,582 | €413 | -€10,236 | -€1,498 | ▲ 85.4% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 52 days late
24-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 417 days late
24-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 783 days late
2025
11-07
KBO administration
Address struck
2024
30-06
Financial
Equity above €150,000Eq €159,573 ▲22.7%
6 profitable years in a row build equity to €159,573.
2023
28-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
30-06
Financial
Highest result since 2019net €36,965 ▲68%
Operating result €67,648, net result €36,965, both a record.
30-06
Financial
Equity above €100,000Eq €102,826 ▲56.1%
4 profitable years in a row build equity to €102,826.
22-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
09-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2020
30-06
Financial
Weakest financial yearnet €10,006 ▼34.6%
Net result drops to €10,006, the lowest in the series; recovery starts the following year.
13-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 13 days late
2019
27-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Gent · 1 establishment unit since 2016
Ground area
362 m²
Building footprint
314 m²
Volume, LiDAR
2,501 m³
2 parcels, Flanders · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
144
companies at this address
See who is registered here
1 establishment unit
JFC
since 20162.260.181.360
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44808H0052/00R006 | Flanders | 214 m² | 1 · 202 m² | 11.8 m · 3 fl. |
| 44816K0956/00X003 | Flanders | 148 m² | 1 · 112 m² | 10.5 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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
ALGEMENE DAKWERKEN VRANKEN
BE 0822.054.808
Herselt · Eq €186,734
Heirman Dyleno
BE 0749.925.707
Laarne · Eq €186,799
GOETHALS DAKWERKEN
BE 0803.357.463
Kaprijke · Eq €186,883
AWOUTERS Johny
BE 0864.002.853
Genk · Eq €186,105
DAKWERKEN VAN DE VERRE PIETER
BE 0840.946.250
Lebbeke · Eq €185,977
Of 8,576 companies in sector 43410 we hold annual accounts for 4,367. 3,649 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded28-11-2016
Fiscal year end30-06
Activities, NACEBEL 2025
43410Roofing work
81220Other building cleaning and industrial cleaning
20412Manufacture of chemicals and chemical products
43211General electrical installation work
43221Plumbing work
43230Insulation installation
43320Joinery installation
43331Floor and wall tiling
43341Painting of buildings
E-invoicing
Reachable via Peppol
Peppol ID
0208:0666747910
Also
9925:BE0666747910
Registered
14-04-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.