JTD-Construct
ActiveThe computed 12-month bankruptcy probability of JTD-Construct is 3.2% (moderate). The 2025 annual accounts show equity of €70k and a net result of €3k. Equity is growing by ~11.4% per year across the filed fiscal years. Its solvency ranks better than 33% of 7332 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-2
Solvency52▼-24
Growth78=
Track record100
Bankruptcy probability, 12 months
3.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.36 against 2.0 in 2024; short-term debt: 73.1% and cash: 13.6% of total assets), and 73.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
26.9%
Return on assets
1.2%
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 07-05-2026, 85 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
85 d early
2024
23 d late
2023
1 d early
2022
11 d early
2021
17 d early
2020
31 d late
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€70k▲ 4.8%
2024 · €67k
2020: €11k
2021: €50k
2022: €51k
2023: €63k
2024: €67k
2020 → 2025
Total assets
€261k▲ 98.6%
2024 · €131k
2020: €22k
2021: €79k
2022: €114k
2023: €106k
2024: €131k
2020 → 2025
Net result
€3k▼ 18.1%
2024 · €4k
2020: €779
2021: €39k
2022: €1k
2023: €12k
2024: €4k
2020 → 2025
Working capital
€69k▲ 6.3%
2024 · €64k
2020: €20k
2021: €51k
2022: €52k
2023: €63k
2024: €64k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€50k-€51k▲ 2.4%€63k▲ 23.2%€67k▲ 6.2%€70k▲ 4.8%
Operating result€54k-€2k▼ 96.3%€17k▲ 748%€5k▼ 68.7%€4k▼ 17.4%
Net result€39k-€1k▼ 97.0%€12k▲ 903%€4k▼ 66.9%€3k▼ 18.1%
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 has fallen two years in a row; 2025 is 17% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €261k
Fixed assets
€2k▼ 34.1%
Current assets
€259k▲ 101%
Equity and liabilities €261k
Equity
€70k▲ 4.8%
Debt
€191k▲ 196%
The debt ratio rises from 49.0% to 73.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€5k▼
2024 · €6k
Cash flow
€4k▼
2024 · €4k
Solvency
26.9%▼
2024 · 51.0%
Current ratio
1.36▼
2024 · 2.00
Quick ratio
0.78▼
2024 · 2.00
Debt / equity
2.72▲
2024 · 0.96
ROE
4.6%▼
2024 · 5.9%
ROA
1.2%▼
2024 · 3.0%
Interest coverage
38.55▲
2024 · 31.85
Debt
€191k▲
2024 · €64k
Debt ≤ 1 year
€191k▲
2024 · €64k
Income taxes
€2k▲
2024 · €1k
Staff costs
€256k▲
2024 · €189k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€131k€261k▲
Fixed assets21/28€2k€2k▼
Tangible fixed assets22/27€2k€1k▼
Plant, machinery and equipment23€2k€1k▼
Financial fixed assets28€338€338=
Current assets29/58€129k€259k▲
Stocks and contracts in progress3-€111k
Contracts in progress37-€111k
Amounts receivable within one year40/41€105k€113k▲
Trade receivables40€77k€91k▲
Other amounts receivable41€28k€22k▼
Cash at bank and in hand54/58€24k€35k▲
Equity and liabilities
Total equity and liabilities10/49€131k€261k▲
Equity10/15€67k€70k▲
Contributions10/11€10k€10k=
Reserves13€53k€53k=
Distributable reserves133€53k€53k=
Profit (loss) carried forward14€4k€7k▲
Amounts payable17/49€64k€191k▲
Amounts payable within one year42/48€64k€191k▲
Trade debts44€49k€107k▲
Suppliers440/4€49k€107k▲
Taxes, remuneration and social security45€15k€9k▼
Taxes450/3€6k€3k▼
Remuneration and social security454/9€9k€6k▼
Other amounts payable47/48-€75k
Income statement
Code20242025
Remuneration, social security and pensions62€189k€256k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€395€850▲
Other operating charges640/8€175€400▲
Gross operating margin9900€195k€262k▲
Operating profit (loss)9901€5k€4k▼
Financial income75/76B-€651
Recurring financial income75-€651
Financial charges65/66B€181€137▼
Recurring financial charges65€181€137▼
Profit (loss) for the period before taxes9903€5k€5k▼
Income taxes67/77€1k€2k▲
Profit (loss) for the period9904€4k€3k▼
Profit (loss) for the period to be appropriated9905€4k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€7k▲
Profit (loss) brought forward from the previous period14P-€4k
The notes to these accounts (8 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
07-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 23 days late
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2020net €39k ▲4927%
Operating result €54k, net result €39k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Brussel · 1 establishment unit since 2020
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.
Robert Schumanplein 61040 BrusselGround area
1,740 m²
Building footprint
1,742 m²
Volume, LiDAR
36,451 m³
Parcel 21806F0369/00H002, Brussels · tallest building 34.0 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
JTD-CONSTRUCT BV
since 20202.300.923.934
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21806F0369/00H002 | Brussels | 1,740 m² | 1 · 1,742 m² | 34.0 m · 9 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
WOODWORK BROTHERS
BE 0682.535.154
Sprimont · Eq €70k
DEMO-CONSTRUCTION
BE 0718.827.606
Brussel · Eq €70k
FABER CONSTRUCTION
BE 0884.532.409
Sint-Gillis (bij-Brussel) · Eq €70k
DONEUX Philippe
BE 0452.624.368
Herve · Eq €70k
GTCS Consult
BE 0521.986.593
Braine-le-Comte · Eq €70k
Of 29,808 companies in sector 41001 we hold annual accounts for 16,038. 13,223 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-01-2020
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43320Joinery installation
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
43422Screed work
43910Bricklaying and masonry work
43990Other specialised construction activities
43994Specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.