Equity
€65,092 ▼ 12.6%
JPROTEX has made a profit without a break since 2016.
JPROTEX
Lifetime
20 annual accounts with figures on one time axis, 33 filings since 1993peak €51,145 (2024)
€16,911▼ 66.9%
lowest -€22,970 (2015)
€11,216▼ 72.0%
peak €74,486 (2024)
€65,092▼ 12.6%
€6,967▼ 59.2%
peak 0.5 FTE (2007)
-not published
Board3 names since 2021
1 directorCorréa Gomes Adriana Silvana
Documentsfilings and deeds
16-09-202647 days late
2025micro format
Gross margin from €51,145 to €16,911Result from €40,060 to €11,216Registered office moved from Dilbeek to Bornem 08-04Equity from €74,486 to €65,092Debts from €17,086 to €6,9671 establishment registered
Key points
from the 2025 annual accountsInvestments
€24,847 5.1 × depreciation
Green is investment, beige is depreciation.
Filings
33 annual accounts since 1993
Eight of the last ten came late. The 2019 accounts came latest: 196 days after the end of the period.
Checked score
65
Healthy
Financially stronger than 59% of micro companies in construction of buildings (NACE 41)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.4% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.7%
01-2025: 0.7%● unchanged vs 12-2024
02-2025: 0.7%● unchanged vs 01-2025
03-2025: 0.7%● unchanged vs 02-2025
04-2025: 0.4%▼ -0.3 percentage points vs 03-2025
05-2025: 0.4%● unchanged vs 04-2025
06-2025: 0.4%● unchanged vs 05-2025lowest value
07-2025: 0.5%▲ +0.1 percentage points vs 06-2025
08-2025: 0.7%▲ +0.2 percentage points vs 07-2025
09-2025: 0.8%▲ +0.1 percentage points vs 08-2025
10-2025: 0.5%▼ -0.3 percentage points vs 09-2025
11-2025: 0.5%● unchanged vs 10-2025
12-2025: 0.5%● unchanged vs 11-2025
01-2026: 0.5%● unchanged vs 12-2025
02-2026: 0.5%● unchanged vs 01-2026
03-2026: 0.4%▼ -0.1 percentage points vs 02-2026
04-2026: 0.4%● unchanged vs 03-2026
05-2026: 0.5%▲ +0.1 percentage points vs 04-2026
06-2026: 0.5%● unchanged vs 05-2026
07-2026: 0.5%● unchanged vs 06-2026
08-2026: 0.6%▲ +0.1 percentage points vs 07-2026
09-2026: 0.7%▲ +0.1 percentage points vs 08-2026
10-2026: 1.4%▲ +0.7 percentage points vs 09-2026highest value
11-2026: 1.4%● unchanged vs 10-2026highest value
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 47 days late; 2 of the last 3 accounts late
Sector: Construction of residential and non-residential buildings (NACE 41)
Size: turnover €132,314, total assets €72,059
lowers risk
Founded in 1992
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro). It does better than 92% of them on solvency, 57% on liquidity, 65% on profitability and 23% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 31,368 companies had the same profile as JPROTEX has now. Each dot stands for 79 companies, two years later.
93.5%
were still trading
5.9%
stopped another way
0.5%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of JPROTEX itself is higher: 1.4% within 12 months. It rests on far more data about JPROTEX than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 31,368 companies, not a prediction for JPROTEX. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €4,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 6.78 (5.25 in 2024), above the usual 1.5. Short-term debt is 9.7% and cash 2.9% of total assets. 9.7% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 47 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-09-2026, 47 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
47 days late
2024
47 days late
2023
63 days early
2022
115 days late
2021
124 days late
2020
137 days late
2019
196 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 86 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 16 September (4 of the last 5 accounts filed within 77 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0448181966
Registered office moved from Dilbeek to Bornem
New registered office: Guilhof 15, 2880 bornem · Previous registered office: Ninoofsesteenweg 1053-1703 Dilbeek · Resignation: De Sousa Teixeira Eliana (director) · General meeting of 31-03-2025 · Gazette deed
First establishment
Guilhof 15, Bornem
Resignation: Andrade Teixeira Luis (director)
General meeting of 18-09-2024 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| JPROTEX Bornem | €72,059 | €16,911 | 90.3% | - |
| DABO Balen | €79,770 | €17,806 | 26.1% | - |
| JUNIOR CONTRACTORS Brakel | €66,591 | €17,462 | 41.7% | - |
| IVO SPIRITUS Geetbets | €64,701 | €15,490 | 73.6% | - |
| Patrick Poelman Merelbeke-Melle | €58,494 | €16,086 | 38.8% | - |
| S.C.L. Construct Antoing | €78,896 | €18,540 | -21.7% | - |
| Entreprise de construction Warnant Profondeville | €79,432 | €16,491 | 17.6% | - |
These companies have the same main activity as JPROTEX: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €58,500 and €79,800, founded between 1989 and 1998.
Official details
Source: KBO- Status
- Active since 03-09-1992Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 7 others
- Establishment unit
- 2.372.251.6952880 Bornem, since 01-04-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 02-01-2026
Insights on JPROTEX
JPROTEX files the micro format. That format states no turnover. The gross margin fell from €29,864 in 2006 to €16,911 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about JPROTEX
- What is the company number of JPROTEX?
- The company number of JPROTEX is 0448.181.966. The VAT number is the same number with BE in front: BE 0448.181.966.
- Where is JPROTEX based?
- The registered office is at Guilhof 15, 2880 Bornem.Company details
- What does JPROTEX do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of JPROTEX?
- JPROTEX is a private limited company (BV).
- When was JPROTEX founded?
- JPROTEX was founded on 03-09-1992.
- Is JPROTEX still active?
- Yes, JPROTEX is an active enterprise in the KBO register.
- What is the turnover of JPROTEX?
- The turnover of JPROTEX was €132,314 in financial year 2025, according to the filed annual accounts.Financials
- Is JPROTEX profitable?
- In financial year 2025, JPROTEX made a profit of €11,216.
- Where can I find the annual accounts of JPROTEX?
- JPROTEX filed 33 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of JPROTEX due?
- JPROTEX must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
See how customers, suppliers and banks see your own company and what to improve first.