JKB BOUW
ActiveJKB BOUW has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €54k and a net result of €10k. Equity is growing by ~15.4% per year across the filed fiscal years. Its solvency ranks better than 21% of 7331 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability47▼-36
Solvency39▼-37
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 1.64 against 1.84 in 2024; short-term debt: 53.9% and cash: 7% of total assets), but 85.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
Sector 41
higher
← 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
14.4%
Return on assets
2.7%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 7331 sector peers (2025).
NBB · sector comparisonPosition among 7331 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-02-2026, 26 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
26 d late
2024
on the day
2023
13 d late
2022
2 d late
2021
16 d late
2020
4 d late
2019
27 d late
← 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 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€54k▼ 39.8%
2024 · €89k
2019: €19k
2020: €52k
2021: €52k
2022: €57k
2023: €69k
2024: €89k
2019 → 2025
Total assets
€372k▲ 112%
2024 · €175k
2019: €345k
2020: €396k
2021: €352k
2022: €252k
2023: €186k
2024: €175k
2019 → 2025
Net result
€10k▼ 50.0%
2024 · €20k
2019: €4k
2020: €42k
2021: €6k
2022: €5k
2023: €12k
2024: €20k
2019 → 2025
Working capital
€128k▲ 86.9%
2024 · €68k
2019: €141k
2020: €20k
2021: €22k
2022: €28k
2023: €49k
2024: €68k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€52k-€57k▲ 9.4%€69k▲ 21.7%€89k▲ 29.0%€54k▼ 39.8%
Operating result€20k-€19k▼ 3.9%€23k▲ 20.5%€30k▲ 33.7%€23k▼ 25.5%
Net result€6k-€5k▼ 23.2%€12k▲ 152%€20k▲ 62.9%€10k▼ 50.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 26% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €372k
Fixed assets
€44k▲ 75.8%
Current assets
€328k▲ 119%
Equity and liabilities €372k
Equity
€54k▼ 39.8%
Debt
€318k▲ 271%
The debt ratio rises from 49.0% to 85.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€37k▼
2024 · €43k
Cash flow
€24k▼
2024 · €33k
Solvency
14.4%▼
2024 · 51.0%
Current ratio
1.64▼
2024 · 1.84
Quick ratio
0.36▼
2024 · 1.40
Debt / equity
5.92▲
2024 · 0.96
ROE
18.7%▼
2024 · 22.5%
ROA
2.7%▼
2024 · 11.5%
Interest coverage
2.92▼
2024 · 18.84
Debt
€318k▲
2024 · €86k
Debt ≤ 1 year
€200k▲
2024 · €82k
Debt > 1 year
€113k▲
2024 · €4k
Income taxes
€4k▼
2024 · €8k
Staff costs
€35k▼
2024 · €45k
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€175k€372k▲
Fixed assets21/28€25k€44k▲
Tangible fixed assets22/27€23k€42k▲
Plant, machinery and equipment23€12k€7k▼
Furniture and vehicles24€10k€34k▲
Other tangible fixed assets26€724€596▼
Financial fixed assets28€2k€2k=
Current assets29/58€150k€328k▲
Stocks and contracts in progress3€35k€256k▲
Stocks30/36€23k€256k▲
Contracts in progress37€13k-
Amounts receivable within one year40/41€112k€41k▼
Trade receivables40€80k€3k▼
Other amounts receivable41€32k€38k▲
Cash at bank and in hand54/58€2k€26k▲
Deferred charges and accrued income490/1-€4k
Equity and liabilities
Total equity and liabilities10/49€175k€372k▲
Equity10/15€89k€54k▼
Reserves13€89k€53k▼
Distributable reserves133€89k€53k▼
Profit (loss) carried forward14€164€164▲
Amounts payable17/49€86k€318k▲
Amounts payable after more than one year17€4k€113k▲
Financial debts170/4€4k€113k▲
Amounts payable within one year42/48€82k€200k▲
Current portion of amounts payable after more than one year42€6k€10k▲
Financial debts43€8k€50k▲
Credit institutions430/8€8k€50k▲
Trade debts44€62k€60k▼
Suppliers440/4€62k€60k▼
Taxes, remuneration and social security45€5k€7k▲
Taxes450/3€3k€7k▲
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48-€73k
Accrued charges and deferred income492/3-€5k
Income statement
Code20242025
Remuneration, social security and pensions62€45k€35k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€14k▲
Other operating charges640/8€525€2k▲
Gross operating margin9900€89k€74k▼
Operating profit (loss)9901€30k€23k▼
Financial income75/76B€592€4k▲
Recurring financial income75€592€4k▲
Financial charges65/66B€2k€13k▲
Recurring financial charges65€2k€13k▲
Profit (loss) for the period before taxes9903€29k€14k▼
Income taxes67/77€8k€4k▼
Profit (loss) for the period9904€20k€10k▼
Profit (loss) for the period to be appropriated9905€20k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€20k€10k▼
Profit (loss) brought forward from the previous period14P€164€164▲
Transfer from equity791/2-€46k
Transfer to equity691/2€20k€10k▼
To other reserves6921€20k€10k▼
Profit to be distributed694/7-€46k
Return on contributions (dividend)694-€46k
The notes to these accounts (11 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
26-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
13-02
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 13 days late
2023
02-02
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 2 days late
2022
16-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
04-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
30-06
Financial
Highest result since 2019net €42k ▲1025%
Operating result €69k, net result €42k, both a record.
27-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
05-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 5 days late
2018
06-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 6 days late
2016
22-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Berlare · 1 establishment unit since 2011
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.
Broekstraat(O) 779290 BerlareGround area
798 m²
Building footprint
157 m²
Parcel 42017C0410/00R000, Flanders. Linked by address, not a title deed.
1 establishment unit
JKB BOUW
since 20112.205.906.989
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42017C0410/00R000 | Flanders | 798 m² | 1 · 157 m² | - |
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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 121 EUR awarded · 121 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 121 EUR | 121 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 333 companies in sector 41002 we hold annual accounts for 133. 89 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-10-2011
Fiscal year end30-06
Activities, NACEBEL
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
43230Insulation installation
43291Specialised construction activities
43331Floor and wall tiling
43350Other building finishing work
43910Bricklaying and masonry work
43992Specialised construction activities
43994Specialised construction activities
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.