JL GROUP
ActiveSummary
The computed 12-month bankruptcy probability of JL GROUP is 2.5% (moderate). The 2025 annual accounts show equity of €15k and a net result of €232. Its solvency ranks better than 58% of 7500 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability39▼-55
Solvency76▲+20
Growth52
Track record82
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 2.04 against 6.89 in 2024; short-term debt: 49% and cash: 8.5% of total assets), and 49% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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 · 2 filingsDeviation from the deadline
2025
29 d late
2024
18 d late
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€15k▲ 1.6%
2024 · €15k
Total assets
€29k▼ 37.6%
2024 · €47k
Net result
€232▼ 97.6%
2024 · €10k
Working capital
€15k▼ 62.8%
2024 · €40k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20242025
Operating result€13k-€370▼ 97.1%
Net result€10k-€232▼ 97.6%
Equity€15k-€15k▲ 1.6%
Total assets€47k-€29k▼ 37.6%
Debt€32k-€14k▼ 55.5%
Working capital€40k-€15k▼ 62.8%
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 97% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €29k
Equity
€15k ▲ 1.6%
Debt
€14k ▼ 55.5%
Debt's share of the balance-sheet total falls from 68.7% to 49.0%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
2.04▼
2024 · 6.89
Quick ratio
0.80▼
2024 · 6.89
Debt to equity
0.96▼
2024 · 2.20
ROE
1.6%▼
2024 · 65.7%
ROA
0.8%▼
2024 · 20.6%
Debt ≤ 1 year
€14k▲
2024 · €7k
Income taxes
€1▼
2024 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k | - | - |
| Other operating charges640/8 | €637 | €400 | ▼ 37.3% |
| Gross operating margin9900 | €15k | €769 | ▼ 94.9% |
| Operating profit (loss)9901 | €13k | €370 | ▼ 97.1% |
| Financial charges65/66B | €24 | €137 | ▲ 473% |
| Recurring financial charges65 | €24 | €137 | ▲ 473% |
| Profit (loss) for the period before taxes9903 | €13k | €233 | ▼ 98.2% |
| Income taxes67/77 | €3k | €1 | ▼ 100.0% |
| Profit (loss) for the period9904 | €10k | €232 | ▼ 97.6% |
| Profit (loss) for the period to be appropriated9905 | €10k | €232 | ▼ 97.6% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €47k | €29k | ▼ 37.6% |
| Current assets29/58 | €47k | €29k | ▼ 37.6% |
| Stocks and contracts in progress3 | - | €18k | - |
| Contracts in progress37 | - | €18k | - |
| Amounts receivable within one year40/41 | €5k | €9k | ▲ 94.7% |
| Trade receivables40 | €3k | €3k | ▼ 19.2% |
| Other amounts receivable41 | €1k | €6k | ▲ 383% |
| Cash at bank and in hand54/58 | €42k | €2k | ▼ 94.1% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €47k | €29k | ▼ 37.6% |
| Equity10/15 | €15k | €15k | ▲ 1.6% |
| Contributions10/11 | €5k | €5k | = |
| Profit (loss) carried forward14 | €10k | €10k | ▲ 2.4% |
| Amounts payable17/49 | €32k | €14k | ▼ 55.5% |
| Amounts payable within one year42/48 | €7k | €14k | ▲ 111% |
| Trade debts44 | €3k | €1k | ▼ 66.6% |
| Suppliers440/4 | €3k | €1k | ▼ 66.6% |
| Advances received on contracts in progress46 | - | €8k | - |
| Taxes, remuneration and social security45 | €3k | €5k | ▲ 53.5% |
| Taxes450/3 | €3k | €3k | = |
| Remuneration and social security454/9 | - | €2k | - |
| Other amounts payable47/48 | - | €561 | - |
| Accrued charges and deferred income492/3 | €25k | - | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €10k | €232 | ▼ 97.6% |
| + Depreciation and write-downs630 | €2k | - | - |
| Operating cash flow (approximation) | €11k | €232 | ▼ 97.9% |
| Change in cash | - | €-39k | - |
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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Orp-Jauche · 1 establishment unit since 2024
Ground area
705 m²
Building footprint
113 m²
Volume, LiDAR
447 m³
Parcel 25082B0032/00A002, Wallonia · tallest building 9.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
JL GROUP
since 20242.366.234.034
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25082B0032/00A002 | Wallonia | 705 m² | 1 · 113 m² | 9.7 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,787 companies in sector 41001 we hold annual accounts for 16,036. 10,660 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
Founded21-06-2024
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
43110Demolition
43310Plastering work
43910Bricklaying and masonry work
Contact
E-mail
joel.decoen@hotmail.com
Phone
+32478723869
Scores and ratios are computed by Checked and are not a credit decision.