Financials
- Fiscal year
- 2025
- Total assets
- €25,119
- Profit
- €1,263
- Solvency
- -2.7%
Total assets▼ 46.8%
Net result
20182025
JM BUGNI
ActiveSummary
The computed 12-month bankruptcy probability of JM BUGNI is 1.7% (moderate). The 2025 annual accounts show negative equity (-€685) and a net result of €1,263. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 9% of 33926 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Roofing work
NACE 43410Bricklaying and masonry work NACE 43910
1 site
Size
€25,119total assets 2025
- Staff
- 1 FTE
- Equity
- -€685
- Profit
- €1,263
Turnover not published (abridged schema)
Structure
Accounts 32 d early0 of 3 deeds read
Why 54- Liquidity: current ratio 0.39- Negative equity -€685- Sector Specialised construction activities (NACE 43)+ Size: total assets €25,119Show the evidence
Checked score
Score 2025
54
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 32% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Weak
Solvency
22+1
equity -2.7% of total assets
Liquidity
0-12
short-term debt 102.7%
Profitability
68-25
return on assets 5.0%
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 1.5%
12-2024: 1.5%● 0.0% vs 11-2024
01-2025: 1.5%▼ -2.2% vs 12-2024
02-2025: 1.5%▼ -0.5% vs 01-2025
03-2025: 1.5%● 0.0% vs 02-2025
04-2025: 1.6%▲ +7.6% vs 03-2025
05-2025: 1.6%▼ -1.3% vs 04-2025
06-2025: 1.5%▼ -2.9% vs 05-2025
07-2025: 1.7%▲ +9.6% vs 06-2025
08-2025: 1.4%▼ -17.4% vs 07-2025
09-2025: 1.4%● 0.0% vs 08-2025
10-2025: 1.3%▼ -3.9% vs 09-2025
11-2025: 1.3%● 0.0% vs 10-2025
12-2025: 1.3%● 0.0% vs 11-2025
01-2026: 1.3%▼ -3.5% vs 12-2025
02-2026: 1.2%▼ -7.6% vs 01-2026
03-2026: 1.2%● 0.0% vs 02-2026
04-2026: 1.3%▲ +7.9% vs 03-2026
05-2026: 1.2%▼ -7.0% vs 04-2026
06-2026: 1.1%▼ -3.0% vs 05-2026lowest value
07-2026: 1.7%▲ +49.7% vs 06-2026highest value
08-2026: 1.7%▼ -1.7% vs 07-2026
09-2026: 1.7%● 0.0% vs 08-2026
10-2026: 1.7%● 0.0% vs 09-2026
- Size: total assets €25,119 lowers the probability for this profile
- Liquidity: current ratio 0.39 raises the probability
- Negative equity -€685 raises the probability
- Sector Specialised construction activities (NACE 43) raises the probability
No credit on open account
Liquidity short (current ratio 0.39 against 0.5 in 2024; short-term debt: 102.7% of total assets), and equity is negative.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 8%, liquidity 1%, profitability 34%, growth against the median 87%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 33926 sector peers (2025).
NBB · sector comparisonPosition among 33926 sector peers
Solvency
better than 9%
← weakest
strongest →
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 29-06-2026, 32 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
32 d early
2024
34 d early
2023
16 d early
2022
31 d early
2021
37 d early
2020
24 d early
2019
25 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 28 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% 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. Usually files around 29 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
05-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Highest result since 2018net €9,149 ▲3%
Key points
- Risk: Negative equityfiscal year 2025: debts exceed assets -€685 View
- Caution: Among the weakest 9% on equitysector median €57,687 · 33,938 companies -€685 View
- Positive: Always filed on timeaccounts within the deadline every year 8 years View
- Positive: 5 profitable years in a rowprofit 2025: €1,263 5 years View
By topic
Timeline
- Events
- 12
- Since
- 2019
- Next accounts
- by 31-07-2027
- 29-06-2026Annual accounts filed
- 27-06-2025Annual accounts filed
- 31-12-2024Highest result since 2018
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Roofing workNACE 43410
- Founded
- 28-12-2017
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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