JSJ Construct
ActiveSummary
JSJ Construct has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6,828 and a net result of €22. Its solvency ranks better than 49% of 34,650 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Overview
- Equity
- €6,828
- Profit
- €22
Why 70raises riskFounded in 2024Size: total assets €14,863lowers riskLiquidity: current ratio 1.96, cash €6,919Equity €6,828 (45.9% of total assets)Show the evidence
Checked score
About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 43, micro): better than 50% on solvency, 73% on liquidity, 19% on profitability and 36% on growth.
The bankruptcy probability was computed on 23-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 2 accounts on average 20 days before the deadline; the sector median (NACE 43) for financial year 2024 is 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Annual accounts filedfinancial year 2024 · micro…
- IncorporationAppointments: SEVENS Davy (director) and…
Financials · financial year 2025, micro format
2024 to 2025, 2 financial years
The operating result falls in 2025; 2025 is 82% below 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 43, Specialised construction activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Peer companies
Historical observationOf the 2,546 companies that looked in July 2024 the way this one looks now, 2.3% went bankrupt within 24 months and 94.3% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,473 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% 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 2,546 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 | 2024 | 2025 | Change |
|---|---|---|---|
| Other operating charges640/8 | €346 | €1,740 | ▲ 403% |
| Gross operating margin9900 | €11,035 | €3,624 | ▼ 67.2% |
| Operating profit (loss)9901 | €10,690 | €1,884 | ▼ 82.4% |
| Financial income75/76B | €1 | €24 | ▲ 2,578% |
| Recurring financial income75 | €1 | €24 | ▲ 2,578% |
| Financial charges65/66B | €126 | €128 | ▲ 1.5% |
| Recurring financial charges65 | €126 | €128 | ▲ 1.5% |
| Profit (loss) for the period before taxes9903 | €10,565 | €1,781 | ▼ 83.1% |
| Income taxes67/77 | €3,041 | €1,759 | ▼ 42.2% |
| Profit (loss) for the period9904 | €7,524 | €22 | ▼ 99.7% |
| Profit (loss) for the period to be appropriated9905 | €7,524 | €22 | ▼ 99.7% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €14,230 | €14,863 | ▲ 4.5% |
| Current assets29/58 | €14,230 | €14,863 | ▲ 4.5% |
| Amounts receivable within one year40/41 | €12,418 | €7,944 | ▼ 36.0% |
| Trade receivables40 | €11,205 | €0 | ▼ 100% |
| Other amounts receivable41 | €1,213 | €7,944 | ▲ 555% |
| Cash at bank and in hand54/58 | €1,812 | €6,919 | ▲ 282% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €14,230 | €14,863 | ▲ 4.5% |
| Equity10/15 | €6,806 | €6,828 | ▲ 0.3% |
| Contributions10/11 | €1,000 | €1,000 | = |
| Reserves13 | €5,806 | €5,828 | ▲ 0.4% |
| Distributable reserves133 | €5,806 | €5,828 | ▲ 0.4% |
| Profit (loss) carried forward14 | €0 | €0 | - |
| Amounts payable17/49 | €7,424 | €8,035 | ▲ 8.2% |
| Amounts payable within one year42/48 | €7,424 | €7,594 | ▲ 2.3% |
| Trade debts44 | €696 | €4,011 | ▲ 476% |
| Suppliers440/4 | €696 | €4,011 | ▲ 476% |
| Taxes, remuneration and social security45 | €5,525 | €2,381 | ▼ 56.9% |
| Taxes450/3 | €4,371 | €2,381 | ▼ 45.5% |
| Remuneration and social security454/9 | €1,154 | €0 | ▼ 100% |
| Other amounts payable47/48 | €1,203 | €1,203 | = |
| Accrued charges and deferred income492/3 | - | €441 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €7,524 | €22 | ▼ 99.7% |
| Operating cash flow (approximation) | €7,524 | €22 | ▼ 99.7% |
| Change in cash | - | €5,107 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (2)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 09-07-2026 | 2026-00271413 |
| 31-12-2024 | micro format | 14-07-2025 | 2025-00293820 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| SEVENS Davy |
|
| SWENNEN Ann Clara Jacobus Gertrude |
|
Owners and capital
Capital and shareholders
- SEVENS Davy 100 shares (100%) · €1,000 in cash
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
- 30-05-2024 Incorporation · €1,000 · 100 shares
Group and network
Connections & network
2 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
30-05
Gazette deed
IncorporationAppointments: SEVENS Davy (director) and SWENNEN Ann Clara Jacobus Gertrude (director) · Founder · Founding capital11 facts ▸
- Incorporation, 27-05-2024
- Founder, SEVENS Davy
- Founding capital, €1,000
- Bank account, “Crelan, bewijs van deponering” (deed in Dutch)
- Other provision, “bevestiging deponering stortingen, bepalingen van het Wetboek van vennootschappen en verenigingen” (deed in Dutch)
- Share issue, 100, “vergoeding voor de inbrengen” (deed in Dutch)
- Registered office clause, “3910 Pelt,Vrankenveld 17” (deed in Dutch)
- General meeting, “voltallige algemene vergadering” (deed in Dutch)
- Director appointment, SEVENS Davy (director)
- Director appointment, SWENNEN Ann Clara Jacobus Gertrude (director)
- Other provision, “voorafgaande toelatingen of vergunningen voor voorwerp, comparant erkent waarschuwing door notaris over beroepsreglementering” (deed in Dutch)
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 23 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice, with enterprise number 1009.746.640
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 72362D0424/00E000 | Flanders | 1,566 m² | 1 · 187 m² | 5.7 m · 1 |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Onderneming voor timmer- en schrijnwerk van gebouwen; Onderneming voor het vervaardigen en plaatsen van houten vensterluiken; Onderneming…” (deed in Dutch)
25 activities (deed in Dutch)
- Onderneming voor timmer- en schrijnwerk van gebouwen
- Onderneming voor het vervaardigen en plaatsen van houten vensterluiken
- Onderneming voor de fabricage van rolluiken,zonneblinden en vliegenramen
- Onderneming voor de fabricage en garnering van niet-metalen meubelen
- Algemene renovatiewerken
- Onderneming voor voegwerken,plafonneerwerken,cementeer- en andere pleisterwerken,stukadoorwerken
- Installatie van tussenwanden,bekleding van wa nden,plafonds,enz…
- Onderneming voor het plaatsen van Gyprocwanden
- Metaalconstructies,montage –en demontagewerken buis –en andere soortgelijke constructies.
- Montage van buiten -en binnen schrijnwerk van hout of van kunststof:deuren,vensters,kozijnen,trappen,muurkasten,inbouwkeukens,winkelinrichtingen,enzovoort;
- Vervaardigen van deuren,ramen,kozijnen,luiken,jaloezieën,plinten,staaflijsten,enzovoort;
- Vervaardiging van (metalen) constructiewerken of gebinten voor de bouw;
- Vervaardiging van kantoor -en winkelmeubelen;
- Vervaardiging van speciale winkelmeubels,toonbanken,vitrines,rekken enzovoort
- Boren,draaien,frezen,vonkerosief bewerken,schaven,lappen,vlakken,zagen,slijpen,lassen,enz.van metalen stukken
- Onderhoud en herstellingswerken van mechanische aard
- Grondverzet
- Ruimen van bouwterreinen
- Isolatiewerkzaamheden
- Landschapsverzorging
- Aanleg en onderhoud van tuinen,parken en het groen gedeelte van sportvelden
- Diverse ondersteunende activiteiten ten behoeven van voorzieningen
- Interieurbouw - interieurinrichting
- Overige zakelijke dienstverlening
- Goederentransport over de weg
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- JSJ Construct
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- One provision in the deed
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- Each director alone
- Board ruleHow the board is made up, meets and takes decisions.
- “Bestuursorgaan, aantal,duur van opdracht en,indien meerdere,bevoegdheid” (deed in Dutch)“Behalve deze die wet of statuten aan algemene vergadering voorbehouden, geheel van bevoegdheden toegekend met mogelijkheid deel te delegeren” (deed in Dutch)
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- “Gelijk recht in winstverdeling en vereffeningsaldo, Ieder aandeel” (deed in Dutch)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Third Friday of June at 20:00