Financials
- Fiscal year
- 2025
- Total assets
- €258,724
- Loss
- -€7,684
- Solvency
- 87.9%
Total assets▼ 2.5%
Net result
20242025
JOF Construct
ActiveSummary
JOF Construct has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €227,302 and a net result of -€7,684. Its solvency ranks better than 90% of 15312 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Overview
What they do
Development of residential building projects
NACE 68121Real estate development NACE 41101
How big
€258,724total assets 2025
- Equity
- €227,302
- Loss
- -€7,684
Turnover not published (abridged schema)
Who decides
Accounts 21 d early0 of 2 deeds read
Why 70- No establishment unit in the KBO- Founded in 2023- 1 of the last 3 late+ Sector Real estate activities (NACE 68)Show the evidence
Checked score
Score 2025
70
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 54% of its sector peers (NACE 68, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Average
Solvency
100=
equity 87.9% of total assets
Liquidity
59-4
short-term debt 11.8% · cash 8.4%
Profitability
15-3
return on assets -3.0%
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
- Sector Real estate activities (NACE 68) lowers the probability
- No establishment unit in the KBO raises the probability
- Founded in 2023 raises the probability for this profile
- 1 of the last 3 late raises the probability
Credit up to €15,000 at 30 days only on tighter terms
Liquidity ample (current ratio 8.41 against 8.63 in 2024; short-term debt: 11.8% and cash: 8.4% of total assets), and 12.1% of the assets are financed with debt.
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 68, micro). Better than this share of them on solvency 91%, liquidity 71%, profitability 17%, growth against the median 37%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. 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.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 10-07-2026, 21 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
21 d early
2024
147 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 63 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% 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.
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 2
- Since
- 2025
- Next accounts
- by 31-07-2027
- 10-07-2026Annual accounts filed
- 25-12-2025Annual accounts filed
Company details
- Legal form
- Private limited company
- Activity
- Development of residential building projectsNACE 68121
- Founded
- 14-12-2023
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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