JT Bouw & Advies
ActiveSummary
JT Bouw & Advies has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €13k and a net result of €-5k. Equity is shrinking by ~10.3% per year across the filed fiscal years. Its solvency ranks better than 66% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-89
Solvency76▼-4
Growth32=
Track record94
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.87 against 2.14 in 2024; short-term debt: 47.1% and cash: 60.1% of total assets), and 49% of the assets are financed with debt.
Credit advice 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 2025Solvency, return and age of the figures
Solvency
51%
Return on assets
-17.8%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-07-2026, 23 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
23 d early
2024
126 d early
2023
118 d early
2022
32 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€13k▼ 25.9%
2024 · €18k
2022: €20k
2023: €13k
2024: €18k
2022 → 2025
Total assets
€26k▼ 19.4%
2024 · €32k
2022: €42k
2023: €41k
2024: €32k
2022 → 2025
Net result
€-5k
2024 · €5k
2022: €10k
2023: €-7k
2024: €5k
2022 → 2025
Working capital
€11k▼ 34.9%
2024 · €16k
2022: €17k
2023: €10k
2024: €16k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€20k-€13k▼ 36.0%€18k▲ 40.3%€13k▼ 25.9%
Operating result€14k-€-6k€9k€-2k
Net result€10k-€-7k€5k€-5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €2k after €9k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €26k
Fixed assets
€3k ▲ 107%
Current assets
€23k ▼ 25.6%
Equity and liabilities €26k
Equity
€13k ▼ 25.9%
Debt
€13k ▼ 11.4%
Debt's share of the balance-sheet total rises from 44.5% to 49.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-50▼
2024 · €11k
Cash flow
€-3k▼
2024 · €7k
Current ratio
1.87▼
2024 · 2.14
Debt to equity
0.96▲
2024 · 0.80
ROE
-34.9%▼
2024 · 28.7%
ROA
-17.8%▼
2024 · 15.9%
Interest coverage
-0.04▼
2024 · 74.67
Debt ≤ 1 year
€12k▼
2024 · €14k
Income taxes
€2k▼
2024 · €4k
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 · 2025 against 2024 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€32k€26k▼
Fixed assets21/28€1k€3k▲
Tangible fixed assets22/27€1k€1k▼
Plant, machinery and equipment23€1k€1k▼
Furniture and vehicles24€0€0=
Financial fixed assets28-€2k
Current assets29/58€31k€23k▼
Amounts receivable within one year40/41€18k€7k▼
Trade receivables40€13k-
Other amounts receivable41€5k€7k▲
Cash at bank and in hand54/58€13k€16k▲
Deferred charges and accrued income490/1€2€557▲
Equity and liabilities
Total equity and liabilities10/49€32k€26k▼
Equity10/15€18k€13k▼
Contributions10/11€10k€10k=
Reserves13€8k€3k▼
Distributable reserves133€8k€3k▼
Amounts payable17/49€14k€13k▼
Amounts payable within one year42/48€14k€12k▼
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Advances received on contracts in progress46-€333
Taxes, remuneration and social security45€7k€0▼
Taxes450/3€7k-
Remuneration and social security454/9-€0
Other amounts payable47/48€6k€9k▲
Accrued charges and deferred income492/3-€500
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8€798€1k▲
Gross operating margin9900€12k€1k▼
Operating profit (loss)9901€9k€-2k▼
Financial charges65/66B€150€1k▲
Recurring financial charges65€150€1k▲
Profit (loss) for the period before taxes9903€9k€-3k▼
Income taxes67/77€4k€2k▼
Profit (loss) for the period9904€5k€-5k▼
Profit (loss) for the period to be appropriated9905€5k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€5k€-5k▼
Transfer from equity791/2-€5k
Transfer to equity691/2€5k-
To other reserves6921€5k-
The notes to these accounts (7 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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
04-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-7k ▼172%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Ranst · 1 establishment unit since 2022
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.
Meir 372520 RanstGround area
1,349 m²
Building footprint
183 m²
Volume, LiDAR
1,000 m³
Parcel 11031C0418/00R000, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JT Bouw & Advies
since 20222.327.985.053
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11031C0418/00R000 | Flanders | 1,349 m² | 1 · 183 m² | 9.9 m · 2 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.
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REDRES
BE 0785.985.456
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BE 1017.761.414
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Of 9,694 companies in sector 68121 we hold annual accounts for 7,383. 3,465 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
Founded14-02-2022
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.