JLW CONSTRUCT

Active

Private limited companyfounded 20215 yrs activeRue du Bouchon(REV) 5, 6210 Les Bons Villers, BelgiumKBO/BCE: BE 0769.602.651

The computed 12-month bankruptcy probability of JLW CONSTRUCT is 1.9% (moderate). The 2025 annual accounts show equity of €89k and a net result of €44k. Equity is growing by ~93.5% per year across the filed fiscal years. Its solvency ranks better than 73% of 7452 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

76 / 100

Excellent

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency90▲+25

Growth78=

Track record94

Bankruptcy probability, 12 months

1.9% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €6k at 30 days acceptable

Liquidity ample (current ratio 1.98 against 1.06 in 2024; short-term debt: 35.1% and cash: 15.9% of total assets), and 35.1% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

64.9%

Return on assets

32.5%

Age of the figures

9 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

on the day

2024

29 d late

2023

30 d late

2022

30 d late

2021

31 d late

← before the deadline after the deadline →

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 months

Position in the running window

23-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€89k▲ 96.8%

2024 · €45k

2021: €7k 2022: €9k 2023: €13k 2024: €45k

2021 → 2025

Total assets

€136k▲ 21.1%

2024 · €113k

2021: €25k 2022: €42k 2023: €59k 2024: €113k

2021 → 2025

Net result

€44k▲ 38.7%

2024 · €32k

2021: €2k 2022: €18k 2023: €4k 2024: €32k

2021 → 2025

Working capital

€47k▲ 1,016%

2024 · €4k

2021: €-7k 2022: €-6k 2023: €-143 2024: €4k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€7k-€9k▲ 27.4%€13k▲ 51.5%€45k▲ 246%€89k▲ 96.8%

Operating result€3k-€23k▲ 635%€8k▼ 67.4%€47k▲ 524%€73k▲ 55.6%

Net result€2k-€18k▲ 924%€4k▼ 75.2%€32k▲ 623%€44k▲ 38.7%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

After the dip in 2023 the operating result has climbed two years in a row; 2025 is 56% above 2024 and is the highest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €136k

30.7%

69.3%

Fixed assets €42k▲ 2.6%

Current assets €94k▲ 31.7%

Equity and liabilities €136k

64.9%

35.1%

Equity €89k▲ 96.8%

Debt €48k▼ 29.2%

The debt ratio falls from 60.0% to 35.1%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€92k▲

2024 · €57k

Cash flow

€63k▲

2024 · €42k

Solvency

64.9%▲

2024 · 40.0%

Current ratio

1.98▲

2024 · 1.06

Quick ratio

1.97▲

2024 · 1.05

Debt / equity

0.54▼

2024 · 1.50

ROE

50.1%▼

2024 · 71.1%

ROA

32.5%▲

2024 · 28.4%

Interest coverage

9.59▼

2024 · 50.90

Debt

€48k▼

2024 · €68k

Debt ≤ 1 year

€48k▼

2024 · €68k

Income taxes

€19k▲

2024 · €14k

Staff costs

€14k

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€113k€136k▲

Fixed assets21/28€41k€42k▲

Tangible fixed assets22/27€41k€42k▲

Plant, machinery and equipment23€14k€22k▲

Furniture and vehicles24€27k€20k▼

Current assets29/58€72k€94k▲

Stocks and contracts in progress3€595€495▼

Stocks30/36€595€495▼

Amounts receivable within one year40/41€64k€33k▼

Trade receivables40€57k€17k▼

Other amounts receivable41€7k€17k▲

Cash at bank and in hand54/58€6k€22k▲

Deferred charges and accrued income490/1€1k€39k▲

Equity and liabilities

Total equity and liabilities10/49€113k€136k▲

Equity10/15€45k€89k▲

Contributions10/11€5k€5k=

Reserves13€34k€74k▲

Distributable reserves133€34k€74k▲

Profit (loss) carried forward14€6k€10k▲

Amounts payable17/49€68k€48k▼

Amounts payable within one year42/48€68k€48k▼

Trade debts44€33k€16k▼

Suppliers440/4€33k€16k▼

Taxes, remuneration and social security45€19k€22k▲

Taxes450/3€19k€22k▲

Other amounts payable47/48€15k€10k▼

Income statement Code20242025

Remuneration, social security and pensions62-€14k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€19k▲

Other operating charges640/8€5k€1k▼

Gross operating margin9900€62k€108k▲

Operating profit (loss)9901€47k€73k▲

Financial income75/76B€70€27▼

Recurring financial income75€70€27▼

Financial charges65/66B€1k€10k▲

Recurring financial charges65€1k€10k▲

Non-recurring financial charges66B-€628

Profit (loss) for the period before taxes9903€46k€63k▲

Income taxes67/77€14k€19k▲

Profit (loss) for the period9904€32k€44k▲

Profit (loss) for the period to be appropriated9905€32k€44k▲

Appropriation of the result

Profit (loss) to be appropriated9906€36k€50k▲

Profit (loss) brought forward from the previous period14P€4k€6k▲

Transfer to equity691/2€30k€40k▲

To other reserves6921€30k€40k▲

Profit to be distributed694/7-€833

Return on contributions (dividend)694-€833

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 6Financial 1Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

31-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Highest result since 2021net €44k ▲38.7%

Operating result €73k, net result €44k, both a record.

29-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 29 days late

2024

30-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 30 days late

2023

30-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 30 days late

2022

31-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 31 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

no sitting director, no change since 2022

We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.

30-12-2022 Resigned as Director

Location & real-estate footprint

Registered office, Les Bons Villers · 1 establishment unit since 2021

establishment The establishment unit on the map

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 du Bouchon(REV) 56210 Les Bons Villers

Ground area

314 m²

Building footprint

81 m²

Parcel 52059C0140/00B000, Wallonia. Linked by address, not a title deed.