JPJ CONSTRUCT
ActiveSummary
JPJ CONSTRUCT has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €59k and a net result of €16k. Equity is growing by ~55.2% per year across the filed fiscal years. Its solvency ranks better than 31% of 19357 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability58▼-5
Solvency35▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity short (current ratio 0.3 against 0.49 in 2023; short-term debt: 13.8% and cash: 3.6% of total assets), and 90.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
9.6%
Return on assets
2.6%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-07-2025, 0 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
on the day
2023
92 d late
2022
30 d late
2021
107 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€59k▲ 38.1%
2023 · €43k
2021: €5k
2022: €23k
2023: €43k
2021 → 2024
Total assets
€618k▼ 5.2%
2023 · €652k
2021: €678k
2022: €657k
2023: €652k
2021 → 2024
Net result
€16k▼ 18.7%
2023 · €20k
2021: €-25k
2022: €18k
2023: €20k
2021 → 2024
Working capital
€-59k▼ 31.2%
2023 · €-45k
2021: €-53k
2022: €-54k
2023: €-45k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€5k-€23k▲ 352%€43k▲ 87.9%€59k▲ 38.1%
Operating result€-8k-€28k€36k▲ 25.3%€35k▼ 1.4%
Net result€-25k-€18k€20k▲ 12.9%€16k▼ 18.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 1% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €618k
Fixed assets
€593k ▼ 2.8%
Current assets
€26k ▼ 40.2%
Equity and liabilities €618k
Equity
€59k ▲ 38.1%
Debt
€559k ▼ 8.3%
Debt's share of the balance-sheet total falls from 93.4% to 90.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€52k▼
2023 · €52k
Cash flow
€33k▼
2023 · €37k
Current ratio
0.30▼
2023 · 0.49
Debt to equity
9.46▼
2023 · 14.24
ROE
27.6%▼
2023 · 46.8%
ROA
2.6%▼
2023 · 3.1%
Interest coverage
4.31▼
2023 · 4.79
Debt ≤ 1 year
€85k▼
2023 · €88k
Debt > 1 year
€471k▼
2023 · €521k
Income taxes
€7k▲
2023 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 41 lines
Balance sheet
Code20232024
Assets
Total assets20/58€652k€618k▼
Fixed assets21/28€610k€593k▼
Tangible fixed assets22/27€610k€593k▼
Land and buildings22€610k€593k▼
Current assets29/58€43k€26k▼
Amounts receivable within one year40/41€11k€3k▼
Trade receivables40€0-
Other amounts receivable41€11k€3k▼
Cash at bank and in hand54/58€31k€22k▼
Deferred charges and accrued income490/1€457€563▲
Equity and liabilities
Total equity and liabilities10/49€652k€618k▼
Equity10/15€43k€59k▲
Contributions10/11€30k€30k=
Reserves13€13k€29k▲
Distributable reserves133€13k€29k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€610k€559k▼
Amounts payable after more than one year17€521k€471k▼
Financial debts170/4€521k€471k▼
Amounts payable within one year42/48€88k€85k▼
Current portion of amounts payable after more than one year42€32k€30k▼
Trade debts44€530€1k▲
Suppliers440/4€530€1k▲
Taxes, remuneration and social security45€15k€21k▲
Taxes450/3€15k€21k▲
Other amounts payable47/48€41k€33k▼
Accrued charges and deferred income492/3€754€3k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€17k=
Other operating charges640/8€2k€4k▲
Gross operating margin9900€55k€56k▲
Operating profit (loss)9901€36k€35k▼
Financial charges65/66B€11k€12k▲
Recurring financial charges65€11k€12k▲
Profit (loss) for the period before taxes9903€25k€23k▼
Income taxes67/77€5k€7k▲
Profit (loss) for the period9904€20k€16k▼
Profit (loss) for the period to be appropriated9905€20k€16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€13k€16k▲
Profit (loss) brought forward from the previous period14P€-7k€0▲
Transfer to equity691/2€13k€16k▲
To other reserves6921€13k€16k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 92 days late
2023
31-12
Financial
Highest result since 2021net €20k ▲12.9%
Operating result €36k, net result €20k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
15-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 107 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
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.
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Directors · office · real estate
Directors
2 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, Beersel · 1 establishment unit since 2020
Ground area
117 m²
Building footprint
117 m²
Volume, LiDAR
849 m³
Parcel 23017C0063/02N000, Flanders · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Alsembergsesteenweg 833, 1653 Beersel
since 20202.299.610.771
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23017C0063/02N000 | Flanders | 117 m² | 1 · 117 m² | 10.7 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
DOCURA
BE 0727.443.481
Kapellen · Eq €59,091
BLY Group
BE 0632.462.863
Kapellen · Eq €59,182
FUGASE
BE 0656.835.894
Merelbeke-Melle · Eq €58,958
DE VASTGOEDGROEP
BE 1005.509.423
Grimbergen · Eq €58,899
EUROHOUSE
BE 0838.941.617
Oudergem · Eq €58,812
Of 12,022 companies in sector 68203 we hold annual accounts for 5,986. 3,275 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-01-2020
Fiscal year end31-12
Activities, NACEBEL 2025
68203Renting and operating of own or leased non-residential real estate, excluding land
68310Real estate agency activities
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.