JFJ TECH
ActiveSummary
JFJ TECH has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €929,106 and a net result of -€5,031. Equity is growing by ~34.4% per year across the filed fiscal years. Its solvency ranks better than 94% of 7586 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability18=
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55,000 at 30 days acceptable
Liquidity ample (current ratio 11.59 against 6.8 in 2024; short-term debt: 7.8% and cash: 2.4% of total assets), and 10.1% of the assets are financed with debt.
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Signals
Five 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 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
89.9%
Return on assets
-0.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
28 d early
2023
14 d early
2022
16 d late
2021
27 d early
2020
50 d early
2019
39 d early
← 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 16 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
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
28-09-2026 today31-12-2026 close31-07-2027 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
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
In the rankings
#2 company by total assets in Sivry-Rance, Construction sector#10 company by equity in Sivry-Rance
Equity
€929,106▼ 0.5%
2024 · €934,137
Total assets
€1.0m▼ 1.9%
2024 · €1.1m
Net result
-€5,031▼ 99.6%
2024 · -€2,520
Working capital
€853,452▲ 22.9%
2024 · €694,228
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, 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€26,449▼ 2.4%€27,011▲ 2.1%€23,556▼ 12.8%-€39,483-€28,076▲ 28.9%
Net result€16,453within the sector's middle half▼ 5.9%€17,051within the sector's middle half▲ 3.6%€733,202above the sector's middle half▲ 4,200%-€2,520below the sector's middle half-€5,031below the sector's middle half▼ 99.6%
Equity€186,404above the sector's middle half▲ 9.7%€203,455above the sector's middle half▲ 9.1%€936,657above the sector's middle half▲ 360%€934,137above the sector's middle half▼ 0.3%€929,106above the sector's middle half▼ 0.5%
Total assets€286,978within the sector's middle half▲ 3.3%€297,200within the sector's middle half▲ 3.6%€1.1mabove the sector's middle half▲ 258%€1.1mabove the sector's middle half▼ 1.0%€1.0mabove the sector's middle half▼ 1.9%
Debt€100,573▼ 6.8%€93,745▼ 6.8%€128,136▲ 36.7%€119,786▼ 6.5%€104,449▼ 12.8%
Working capital-€44,870below the sector's middle half▼ 6.3%-€44,572below the sector's middle half▲ 0.7%€936,725above the sector's middle half€694,228above the sector's middle half▼ 25.9%€853,452above the sector's middle half▲ 22.9%
Solvency65.0%above the sector's middle half▲ 3.8pp68.5%above the sector's middle half▲ 3.5pp88.0%above the sector's middle half▲ 19.5pp88.6%above the sector's middle half▲ 0.7pp89.9%above the sector's middle half▲ 1.3pp
Current ratio0.43below the sector's middle half▲ 0.050.51below the sector's middle half▲ 0.078.40above the sector's middle half▲ 7.896.80above the sector's middle half▼ 1.6011.59above the sector's middle half▲ 4.79
Return on assets (ROA)5.7%within the sector's middle half▼ 0.6pp5.7%within the sector's middle half=68.9%above the sector's middle half▲ 63.1pp-0.2%within the sector's middle half▼ 69.1pp-0.5%below the sector's middle half▼ 0.2pp
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, 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 stays negative: a loss of €28,076 in 2025 against €39,483 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.0m
Fixed assets
€99,508 ▼ 58.5%
Current assets
€934,047 ▲ 14.7%
Equity and liabilities €1.0m
Equity
€929,106 ▼ 0.5%
Debt
€104,449 ▼ 12.8%
Debt's share of the balance-sheet total falls from 11.4% to 10.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€4,592▲
2024 · -€7,968
Cash flow
€18,453▼
2024 · €28,995
Quick ratio
8.90▲
2024 · 6.80
Debt to equity
0.11▼
2024 · 0.13
ROE
-0.5%▼
2024 · -0.3%
Interest coverage
-4.52▼
2024 · -4.47
Debt ≤ 1 year
€80,595▼
2024 · €119,786
Debt > 1 year
€23,854
Income taxes
€38▼
2024 · €150
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,688 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Small
- 10 to 20 years old
- solvency 30% or more
- a small loss
0.5%
went bankrupt
5.4%
stopped otherwise
94%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 0.9% 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 497,662 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% | 1.7% |
| 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 75% 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 2,688 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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €26,537 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €805 | €1,307 | €1,409 | €31,515 | €23,484 | ▼ 25.5% |
| Other operating charges640/8 | €804 | €637 | €1,087 | €1,529 | €2,993 | ▲ 95.7% |
| Gross operating margin9900 | €28,059 | €28,955 | €26,052 | -€6,439 | -€1,600 | ▲ 75.2% |
| Operating profit (loss)9901 | €26,449 | €27,011 | €23,556 | -€39,483 | -€28,076 | ▲ 28.9% |
| Financial income75/76B | €4 | €18 | €750,015 | €38,896 | €24,101 | ▼ 38.0% |
| Recurring financial income75 | €4 | €18 | €750,015 | €38,896 | €24,101 | ▼ 38.0% |
| Financial charges65/66B | €988 | €752 | €369 | €1,784 | €1,017 | ▼ 43.0% |
| Recurring financial charges65 | €988 | €752 | €369 | €1,784 | €1,017 | ▼ 43.0% |
| Profit (loss) for the period before taxes9903 | €25,465 | €26,277 | €773,202 | -€2,370 | -€4,993 | ▼ 111% |
| Income taxes67/77 | €9,012 | €9,226 | €40,000 | €150 | €38 | ▼ 74.6% |
| Profit (loss) for the period9904 | €16,453 | €17,051 | €733,202 | -€2,520 | -€5,031 | ▼ 99.6% |
| Profit (loss) for the period to be appropriated9905 | €16,453 | €17,051 | €733,202 | -€2,520 | -€5,031 | ▼ 99.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €286,978 | €297,200 | €1.1m | €1.1m | €1.0m | ▼ 1.9% |
| Fixed assets21/28 | €252,747 | €251,440 | €1,486 | €239,908 | €99,508 | ▼ 58.5% |
| Tangible fixed assets22/27 | €2,747 | €1,440 | €1,486 | €239,908 | €99,508 | ▼ 58.5% |
| Land and buildings22 | - | - | - | €168,079 | - | - |
| Plant, machinery and equipment23 | €2,747 | €1,440 | €1,486 | €60,962 | €59,869 | ▼ 1.8% |
| Furniture and vehicles24 | - | - | - | €7,738 | €39,640 | ▲ 412% |
| Assets under construction and advance payments27 | - | - | - | €3,130 | - | - |
| Financial fixed assets28 | €250,000 | €250,000 | €0 | - | - | - |
| Current assets29/58 | €34,231 | €45,761 | €1.1m | €814,014 | €934,047 | ▲ 14.7% |
| Stocks and contracts in progress3 | - | - | - | - | €217,015 | - |
| Stocks30/36 | - | - | - | - | €217,015 | - |
| Amounts receivable within one year40/41 | €4,148 | €18,928 | €23,019 | €39,425 | €21,900 | ▼ 44.5% |
| Trade receivables40 | €303 | €15,237 | €17,081 | €9,118 | €475 | ▼ 94.8% |
| Other amounts receivable41 | €3,845 | €3,691 | €5,939 | €30,306 | €21,425 | ▼ 29.3% |
| Current investments50/53 | - | - | €1.0m | €764,479 | €669,479 | ▼ 12.4% |
| Cash at bank and in hand54/58 | €30,000 | €25,955 | €39,364 | €9,222 | €24,348 | ▲ 164% |
| Deferred charges and accrued income490/1 | €83 | €878 | €924 | €888 | €1,305 | ▲ 47.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €286,978 | €297,200 | €1.1m | €1.1m | €1.0m | ▼ 1.9% |
| Equity10/15 | €186,404 | €203,455 | €936,657 | €934,137 | €929,106 | ▼ 0.5% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €180,204 | €197,255 | €541,292 | €927,792 | €921,292 | ▼ 0.7% |
| 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 | = |
| Distributable reserves133 | €178,344 | €195,395 | €539,432 | €925,932 | €919,432 | ▼ 0.7% |
| Profit (loss) carried forward14 | - | - | €389,165 | €145 | €1,614 | ▲ 1,016% |
| Amounts payable17/49 | €100,573 | €93,745 | €128,136 | €119,786 | €104,449 | ▼ 12.8% |
| Amounts payable after more than one year17 | €21,472 | €3,094 | €0 | - | €23,854 | - |
| Financial debts170/4 | €21,472 | €3,094 | €0 | - | €23,854 | - |
| Amounts payable within one year42/48 | €79,101 | €90,333 | €126,582 | €119,786 | €80,595 | ▼ 32.7% |
| Current portion of amounts payable after more than one year42 | €18,059 | €19,928 | €3,094 | €0 | €10,074 | - |
| Trade debts44 | €508 | €2,902 | €9,085 | €11,152 | €368 | ▼ 96.7% |
| Suppliers440/4 | €508 | €2,902 | €9,085 | €11,152 | €368 | ▼ 96.7% |
| Taxes, remuneration and social security45 | €7,198 | €7,714 | €43,083 | €30,934 | €323 | ▼ 99.0% |
| Taxes450/3 | €7,198 | €7,714 | €43,083 | €30,934 | €323 | ▼ 99.0% |
| Remuneration and social security454/9 | €0 | - | - | - | - | - |
| Other amounts payable47/48 | €53,336 | €59,789 | €71,319 | €77,700 | €69,831 | ▼ 10.1% |
| Accrued charges and deferred income492/3 | - | €318 | €1,554 | €0 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €16,453 | €17,051 | €733,202 | -€2,520 | -€5,031 | ▼ 99.6% |
| + Depreciation and write-downs630 | €805 | €1,307 | €1,409 | €31,515 | €23,484 | ▼ 25.5% |
| Operating cash flow (approximation) | €17,258 | €18,358 | €734,611 | €28,995 | €18,453 | ▼ 36.4% |
| Investment in fixed assets (approximation) | - | €0 | €248,545 | -€269,938 | €116,916 | ▲ 143% |
| Change in cash | - | -€4,045 | €13,409 | -€30,141 | €15,126 | ▲ 150% |
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet -€5,031
Net result drops to -€5,031, the lowest in the series.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €733,202 ▲4,200%
Net result €733,202, the highest in the series.
31-12
Financial
Liquidity times 17current ratio 8.40
Current ratio from 0.51 to 8.40.
31-12
Financial
Equity above €500,000Eq €936,657 ▲360%
6 profitable years in a row build equity to €936,657.
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
2022
31-12
Financial
Equity above €200,000Eq €203,455 ▲9.1%
5 profitable years in a row build equity to €203,455.
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
11-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
31-12
Financial
Equity above €150,000Eq €152,469 ▲24.8%
2 profitable years in a row build equity to €152,469.
15-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial 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.
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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, Sivry-Rance · 1 establishment unit since 2013
Ground area
3,929 m²
Building footprint
225 m²
Volume, LiDAR
1,288 m³
2 parcels, Wallonia · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
JFJ TECH
since 20132.218.706.437
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56053A0253/02D000 | Wallonia | 2,524 m² | 1 · 113 m² | 7.0 m · 2 fl. |
| 56042B0163/00Y000 | Wallonia | 1,405 m² | 1 · 111 m² | 7.4 m · 2 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.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2022 list no shareholders, and no other source names one.
Holdings 1
-
50%
According to the 2022 annual accounts of JFJ TECH and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 29,787 companies in sector 41001 we hold annual accounts for 16,052. 6,719 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
Founded04-03-2013
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
E-invoicing
Reachable via Peppol
Peppol ID
0208:0521700048
Registered
24-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.