Jml.construct
ActiveSummary
The computed 12-month bankruptcy probability of Jml.construct is 2.8% (moderate). The 2025 annual accounts show equity of €24,761 and a net result of -€23,523. Equity is growing by ~39.7% per year across the filed fiscal years. Its solvency ranks better than 34% of 7598 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
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Signals
This company filed its last 3 accounts on average 46 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
History
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Financials · fiscal year 2025, micro schema
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings. Dashed line: the median.
Peer companies
Historical observationOf the 1,207 companies that looked in July 2024 the way this one looks now, 4.6% went bankrupt within 24 months and 90% are still going.
- Micro
- 2 to 5 years old
- solvency 10 to 30%
- a loss of 10% of the balance sheet or more
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.8% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,207 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | €6,300 | - |
| Other operating charges640/8 | €597 | €0 | €2,370 | - |
| Gross operating margin9900 | €3,122 | €104,206 | -€16,201 | ▼ 116% |
| Operating profit (loss)9901 | €2,524 | €104,206 | -€24,870 | ▼ 124% |
| Financial income75/76B | €193 | €256 | €2,210 | ▲ 763% |
| Recurring financial income75 | €193 | €256 | €2,210 | ▲ 763% |
| Financial charges65/66B | €104 | €206 | €756 | ▲ 267% |
| Recurring financial charges65 | €104 | €206 | €756 | ▲ 267% |
| Profit (loss) for the period before taxes9903 | €2,614 | €104,256 | -€23,416 | ▼ 122% |
| Income taxes67/77 | €523 | €21,064 | €107 | ▼ 99.5% |
| Profit (loss) for the period9904 | €2,091 | €83,192 | -€23,523 | ▼ 128% |
| Profit (loss) for the period to be appropriated9905 | €2,091 | €83,192 | -€23,523 | ▼ 128% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €14,832 | €110,816 | €87,635 | ▼ 20.9% |
| Fixed assets21/28 | - | - | €16,337 | - |
| Tangible fixed assets22/27 | - | - | €16,337 | - |
| Furniture and vehicles24 | - | - | €16,337 | - |
| Current assets29/58 | €14,832 | €110,816 | €71,298 | ▼ 35.7% |
| Amounts receivable within one year40/41 | €11,752 | €22,265 | €46,915 | ▲ 111% |
| Trade receivables40 | €3,516 | €3,296 | €90 | ▼ 97.3% |
| Other amounts receivable41 | €8,237 | €18,969 | €46,825 | ▲ 147% |
| Cash at bank and in hand54/58 | €2,941 | €2,151 | €23,938 | ▲ 1,013% |
| Deferred charges and accrued income490/1 | €138 | €86,400 | €445 | ▼ 99.5% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €14,832 | €110,816 | €87,635 | ▼ 20.9% |
| Equity10/15 | €5,091 | €88,284 | €24,761 | ▼ 72.0% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | €2,091 | €85,284 | €21,761 | ▼ 74.5% |
| Amounts payable17/49 | €9,740 | €22,532 | €62,875 | ▲ 179% |
| Amounts payable within one year42/48 | €9,740 | €22,532 | €62,875 | ▲ 179% |
| Trade debts44 | €6,915 | €176 | €1,059 | ▲ 501% |
| Suppliers440/4 | €6,915 | €176 | €1,059 | ▲ 501% |
| Taxes, remuneration and social security45 | €2,826 | €22,356 | €21,815 | ▼ 2.4% |
| Taxes450/3 | €1,326 | €22,356 | €21,815 | ▼ 2.4% |
| Remuneration and social security454/9 | €1,500 | €0 | - | - |
| Other amounts payable47/48 | - | - | €40,000 | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,091 | €83,192 | -€23,523 | ▼ 128% |
| + Depreciation and write-downs630 | - | - | €6,300 | - |
| Operating cash flow (approximation) | €2,091 | €83,192 | -€17,223 | ▼ 121% |
| Change in cash | - | -€790 | €21,787 | ▲ 2,856% |
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
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.
Directors · office · real estate
1 establishment unit
1 parcel
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24504E0002/00V000 | Flanders | 489 m² | 1 · 476 m² | 23.4 m · 6 fl. |
Linked by address, not proof of ownership
Similar companies · same sector, comparable size
Identification & contact
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.