JL Réalisations
ActiveThe computed 12-month bankruptcy probability of JL Réalisations is 2.1% (moderate). The 2025 annual accounts show equity of €90k and a net result of €6k. Equity is growing by ~24.7% per year across the filed fiscal years. Its solvency ranks better than 38% of 7415 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
50
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-7
Solvency58▼-10
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity tight (current ratio 1.41 against 1.66 in 2024; short-term debt: 67.3% and cash: 12.2% of total assets), and 67.3% 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 · 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 →
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
32.7%
Return on assets
2%
Age of the figures
9 mo
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 29-07-2026, 2 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
2 d early
2024
1 d early
2023
23 d late
2022
67 d early
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€90k▲ 6.6%
2024 · €84k
2022: €17k
2023: €71k
2024: €84k
2022 → 2025
Total assets
€275k▲ 40.1%
2024 · €196k
2022: €96k
2023: €198k
2024: €196k
2022 → 2025
Net result
€6k▼ 59.7%
2024 · €14k
2022: €13k
2023: €54k
2024: €14k
2022 → 2025
Working capital
€76k▲ 2.7%
2024 · €74k
2022: €16k
2023: €55k
2024: €74k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€17k-€71k▲ 315%€84k▲ 19.7%€90k▲ 6.6%
Operating result€16k-€69k▲ 328%€20k▼ 70.4%€10k▼ 52.1%
Net result€13k-€54k▲ 328%€14k▼ 74.1%€6k▼ 59.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 52% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €275k
Fixed assets
€14k▲ 35.5%
Current assets
€262k▲ 40.4%
Equity and liabilities €275k
Equity
€90k▲ 6.6%
Debt
€185k▲ 65.4%
The debt ratio rises from 57.0% to 67.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€14k▼
2024 · €22k
Cash flow
€10k▼
2024 · €15k
Solvency
32.7%▼
2024 · 43.0%
Current ratio
1.41▼
2024 · 1.66
Quick ratio
1.41▼
2024 · 1.66
Debt / equity
2.06▲
2024 · 1.33
ROE
6.2%▼
2024 · 16.4%
ROA
2.0%▼
2024 · 7.1%
Interest coverage
6.52▼
2024 · 11.02
Debt
€185k▲
2024 · €112k
Debt ≤ 1 year
€185k▲
2024 · €112k
Income taxes
€2k▼
2024 · €5k
Staff costs
€86k▲
2024 · €76k
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€196k€275k▲
Fixed assets21/28€10k€14k▲
Tangible fixed assets22/27€10k€12k▲
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€8k€11k▲
Financial fixed assets28€300€2k▲
Current assets29/58€186k€262k▲
Amounts receivable within one year40/41€94k€226k▲
Trade receivables40€91k€223k▲
Other amounts receivable41€3k€3k▼
Cash at bank and in hand54/58€89k€34k▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€196k€275k▲
Equity10/15€84k€90k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€80k€86k▲
Amounts payable17/49€112k€185k▲
Amounts payable within one year42/48€112k€185k▲
Trade debts44€71k€174k▲
Suppliers440/4€71k€174k▲
Taxes, remuneration and social security45€41k€10k▼
Taxes450/3€35k€2k▼
Remuneration and social security454/9€6k€9k▲
Other amounts payable47/48-€497
Income statement
Code20242025
Remuneration, social security and pensions62€76k€86k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€4k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€15k€1k▼
Other operating charges640/8€9k€1k▼
Gross operating margin9900€122k€102k▼
Operating profit (loss)9901€20k€10k▼
Financial income75/76B€56€0▼
Recurring financial income75€56€0▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€19k€8k▼
Income taxes67/77€5k€2k▼
Profit (loss) for the period9904€14k€6k▼
Profit (loss) for the period to be appropriated9905€14k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€80k€86k▲
Profit (loss) brought forward from the previous period14P€66k€80k▲
The notes to these accounts (8 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €6k ▼59.7%
Net result drops to €6k, the lowest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
31-12
Financial
Highest result since 2022net €54k ▲328%
Operating result €69k, net result €54k, both a record.
25-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Hannut · 1 establishment unit since 2021
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.
Rue d'Avennes 6/B4280 HannutGround area
2,264 m²
Building footprint
107 m²
Volume, LiDAR
953 m³
Parcel 64072B0285/00L000, Wallonia · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
JL Réalisations
since 20212.324.932.028
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64072B0285/00L000 | Wallonia | 2,264 m² | 1 · 107 m² | 11.0 m · 3 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.
Recognitions · licences · registrations
Recognised contractor
14 categoriesJL Réalisations SRL45584
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,041. 13,165 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-12-2021
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0495196059