Jouay Construct
ActiveSummary
The computed 12-month bankruptcy probability of Jouay Construct is 2.2% (moderate). The 2025 annual accounts show equity of €74,535 and a net result of €48,068. Equity is growing by ~114.3% per year across the filed fiscal years. Its solvency ranks better than 75% of 7564 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 19 days after 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
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Peer companies
Historical observationOf the 39,275 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
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 39,275 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 |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | €31,883 | €8,952 | €5,659 | ▼ 36.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €13,144 | €7,270 | €8,177 | ▲ 12.5% |
| Other operating charges640/8 | €1,428 | €491 | €398 | ▼ 19.0% |
| Gross operating margin9900 | €60,665 | €36,741 | €75,324 | ▲ 105% |
| Operating profit (loss)9901 | €14,210 | €20,028 | €61,090 | ▲ 205% |
| Financial income75/76B | €12 | €672 | €1,251 | ▲ 86.2% |
| Recurring financial income75 | €12 | €672 | €1,251 | ▲ 86.2% |
| Financial charges65/66B | €2,563 | €4,326 | €1,630 | ▼ 62.3% |
| Recurring financial charges65 | €2,563 | €4,326 | €1,630 | ▼ 62.3% |
| Profit (loss) for the period before taxes9903 | €11,658 | €16,373 | €60,711 | ▲ 271% |
| Income taxes67/77 | €2,622 | €3,942 | €12,643 | ▲ 221% |
| Profit (loss) for the period9904 | €9,037 | €12,431 | €48,068 | ▲ 287% |
| Profit (loss) for the period to be appropriated9905 | €9,037 | €12,431 | €48,068 | ▲ 287% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €109,766 | €58,604 | €110,452 | ▲ 88.5% |
| Formation expenses20 | €150 | €0 | - | - |
| Fixed assets21/28 | €22,430 | €10,405 | €7,870 | ▼ 24.4% |
| Tangible fixed assets22/27 | €22,148 | €10,123 | €7,378 | ▼ 27.1% |
| Plant, machinery and equipment23 | €10,874 | €8,707 | €4,050 | ▼ 53.5% |
| Furniture and vehicles24 | €2,831 | €1,416 | €3,327 | ▲ 135% |
| Leasing and similar rights25 | €8,443 | €0 | - | - |
| Financial fixed assets28 | €282 | €282 | €492 | ▲ 74.5% |
| Current assets29/58 | €87,186 | €48,199 | €102,583 | ▲ 113% |
| Amounts receivable after more than one year29 | - | €27,168 | €27,168 | = |
| Other amounts receivable291 | - | €27,168 | €27,168 | = |
| Stocks and contracts in progress3 | €5,585 | €0 | - | - |
| Stocks30/36 | €5,585 | €0 | - | - |
| Amounts receivable within one year40/41 | €78,124 | €19,921 | €62,109 | ▲ 212% |
| Trade receivables40 | €45,380 | €8,385 | €54,360 | ▲ 548% |
| Other amounts receivable41 | €32,744 | €11,536 | €7,749 | ▼ 32.8% |
| Cash at bank and in hand54/58 | - | - | €10,394 | - |
| Deferred charges and accrued income490/1 | €3,477 | €1,110 | €2,911 | ▲ 162% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €109,766 | €58,604 | €110,452 | ▲ 88.5% |
| Equity10/15 | €14,037 | €26,467 | €74,535 | ▲ 182% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | = |
| Profit (loss) carried forward14 | €9,037 | €21,467 | €69,535 | ▲ 224% |
| Amounts payable17/49 | €95,729 | €32,136 | €35,917 | ▲ 11.8% |
| Amounts payable after more than one year17 | €13,253 | €2,508 | €0 | ▼ 100% |
| Financial debts170/4 | €13,253 | €2,508 | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €82,477 | €29,629 | €35,917 | ▲ 21.2% |
| Current portion of amounts payable after more than one year42 | €11,478 | €8,993 | €4,218 | ▼ 53.1% |
| Financial debts43 | €5,744 | €3,077 | €0 | ▼ 100% |
| Credit institutions430/8 | €5,744 | €3,077 | €0 | ▼ 100% |
| Trade debts44 | €59,037 | €10,781 | €20,212 | ▲ 87.5% |
| Suppliers440/4 | €59,037 | €10,781 | €20,212 | ▲ 87.5% |
| Taxes, remuneration and social security45 | €6,218 | €5,258 | €11,487 | ▲ 118% |
| Taxes450/3 | €4,330 | €4,758 | €9,346 | ▲ 96.4% |
| Remuneration and social security454/9 | €1,889 | €500 | €2,141 | ▲ 328% |
| Other amounts payable47/48 | - | €1,520 | €0 | ▼ 100% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €9,037 | €12,431 | €48,068 | ▲ 287% |
| + Depreciation and write-downs630 | €13,144 | €7,270 | €8,177 | ▲ 12.5% |
| Operating cash flow (approximation) | €22,181 | €19,701 | €56,244 | ▲ 185% |
| Investment in fixed assets (approximation) | - | €4,755 | -€5,641 | ▼ 219% |
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 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Directors · office · real estate
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 Vieille Ferme(Cha) 95650 Walcourt1 establishment unit
Similar companies · same sector, comparable size
Identification & contact
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.