JOOS Éco-construction
ActiveThe computed 12-month bankruptcy probability of JOOS Éco-construction is 2.0% (moderate). The 2025 annual accounts show negative equity (€-32k) and a net result of €-12k. Equity is shrinking by ~24.2% per year across the filed fiscal years. Its solvency ranks better than 5% of 2176 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
22
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-41
Solvency0=
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.29 against 0.23 in 2024; short-term debt: 256.6% and cash: 10.3% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-156.6%
Return on assets
-58.4%
Age of the figures
9 mo
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 · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-32k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
20 d late
2024
9 d early
2023
6 d early
2022
59 d late
2021
16 d late
2020
4 d early
2019
9 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-12k
2024 · €421
2018: €211
2019: €-31k
2020: €6k
2021: €313
2022: €-10k
2023: €-1,000
2024: €421
2018 → 2025
Working capital
€-38k▲ 7.4%
2024 · €-41k
2018: €-4k
2019: €-35k
2020: €-23k
2021: €-16k
2022: €-18k
2023: €-21k
2024: €-41k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-10k-€-20k▼ 98.4%€-21k▼ 5.1%€-20k▲ 2.0%€-32k▼ 59.4%
Operating result€703-€-9k€-659▲ 92.9%€2k€-11k
Net result€313-€-10k€-1,000▲ 89.8%€421€-12k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €11k after €2k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €21k
Fixed assets
€5k▼ 74.1%
Current assets
€15k▲ 24.4%
Key figures and ratios
EBITDA
€-9k▼
2024 · €4k
Cash flow
€-10k▼
2024 · €2k
Solvency
-156.6%▼
2024 · -62.0%
Current ratio
0.29▲
2024 · 0.23
Quick ratio
0.29▲
2024 · 0.23
Debt / equity
-1.64▲
2024 · -2.61
ROA
-58.4%▼
2024 · 1.3%
Interest coverage
-14.62▼
2024 · 2.47
Debt
€53k=
2024 · €53k
Debt ≤ 1 year
€53k=
2024 · €53k
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€33k€21k▼
Fixed assets21/28€20k€5k▼
Tangible fixed assets22/27€20k€5k▼
Plant, machinery and equipment23€14k€415▼
Furniture and vehicles24€7k€5k▼
Current assets29/58€12k€15k▲
Amounts receivable within one year40/41€8k€13k▲
Trade receivables40€8k€12k▲
Other amounts receivable41€200€852▲
Cash at bank and in hand54/58€2k€2k▲
Deferred charges and accrued income490/1€3k-
Equity and liabilities
Total equity and liabilities10/49€33k€21k▼
Equity10/15€-20k€-32k▼
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-28k€-40k▼
Amounts payable17/49€53k€53k=
Amounts payable within one year42/48€53k€53k=
Trade debts44€2k€14k▲
Suppliers440/4€2k€14k▲
Taxes, remuneration and social security45€99-
Taxes450/3€99-
Other amounts payable47/48€51k€39k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€323€3k▲
Gross operating margin9900€4k€-7k▼
Operating profit (loss)9901€2k€-11k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€2k€647▼
Recurring financial charges65€2k€647▼
Profit (loss) for the period before taxes9903€495€-12k▼
Income taxes67/77€74-
Profit (loss) for the period9904€421€-12k▼
Profit (loss) for the period to be appropriated9905€421€-12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-28k€-40k▼
Profit (loss) brought forward from the previous period14P€-29k€-28k▲
The notes to these accounts (5 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 20 days late
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €421
Net result €421 after 2 loss-making years.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 59 days late
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 16 days late
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Weakest financial yearnet €-31k ▼14790%
Net result drops to €-31k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 acts for this company are 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, Waterloo · 1 establishment unit since 2015
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.
Chaussée de Bruxelles 1111410 WaterlooGround area
1.5 ha
Building footprint
1.7 ha
Volume, LiDAR
3,049 m³
2 parcels, Wallonia · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue de Moha 17, 5030 Gembloux
since 20152.240.393.558
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92255B0041/00Z002 | Wallonia | 1.4 ha | 1 · 1.6 ha | - |
| 25110A0388/00D000 | Wallonia | 975 m² | 1 · 410 m² | 9.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Lukas Renovatie
BE 1017.618.684
Antwerpen · Eq €15k
Vincent Janssens
BE 1002.517.071
Mechelen · Eq €15k
AGA CONSTRUCT
BE 0739.595.306
Sint-Pieters-Leeuw · Eq €15k
DAVID BOUW
BE 0786.643.373
Vilvoorde · Eq €15k
CLANIM
BE 0701.819.249
Anderlecht · Eq €15k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 10,700 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-02-2015
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43230Insulation installation
43291Specialised construction activities
43320Joinery installation
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.