LES CONSTRUCTIONS JMD
ActiveSummary
The computed 12-month bankruptcy probability of LES CONSTRUCTIONS JMD is 2.6% (moderate). The 2024 annual accounts show equity of €119,755 and a net result of €110,732. Equity is growing by ~640.9% per year across the filed fiscal years. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability79▼-21
Solvency34▼-49
Growth78=
Track record94
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity short (current ratio 0.67 against 1.82 in 2023; short-term debt: 40.3% and cash: 22% of total assets), and 90.8% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
+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
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 12-06-2026, 49 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
49 d early
2024
28 d late
2023
13 d late
2022
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 6 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
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. Usually files around 21 August (3 of the last 4 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, micro schema, 2025 accounts filed, figures not processed yet
In the rankings
#8 company by total assets in Hamois, Construction sector
Equity
€119,755▲ 1,227%
2023 · €9,023
Total assets
€1.3m▲ 8,239%
2023 · €15,647
Net result
€110,732▲ 2,147%
2023 · €4,929
Working capital
-€175,047
2023 · €5,417
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202220232024
Operating result-€573-€7,259€150,738▲ 1,977%
Net result-€906below the sector's middle half-€4,929within the sector's middle half€110,732above the sector's middle half▲ 2,147%
Equity€4,094below the sector's middle half-€9,023below the sector's middle half▲ 120%€119,755above the sector's middle half▲ 1,227%
Total assets€37,872below the sector's middle half-€15,647below the sector's middle half▼ 58.7%€1.3mabove the sector's middle half▲ 8,239%
Debt€33,777-€6,623▼ 80.4%€1.2m▲ 17,791%
Working capital€2,852within the sector's middle half-€5,417within the sector's middle half▲ 90.0%-€175,047below the sector's middle half
Solvency10.8%below the sector's middle half-57.7%within the sector's middle half▲ 46.9pp9.2%below the sector's middle half▼ 48.5pp
Current ratio1.08within the sector's middle half-1.82within the sector's middle half▲ 0.730.67below the sector's middle half▼ 1.15
Return on assets (ROA)-2.4%below the sector's middle half-31.5%above the sector's middle half▲ 33.9pp8.5%within the sector's middle half▼ 23.0pp
Staff (FTE)4.5
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2024 is 1,977% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.3m
Fixed assets
€954,416 ▲ 26,368%
Current assets
€350,329 ▲ 2,810%
Equity and liabilities €1.3m
Equity
€119,755 ▲ 1,227%
Debt
€1.2m ▲ 17,791%
Debt's share of the balance-sheet total rises from 42.3% to 90.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€189,928▲
2023 · €8,099
Cash flow
€149,922▲
2023 · €5,770
Debt to equity
9.90▲
2023 · 0.73
ROE
92.5%▲
2023 · 54.6%
Interest coverage
22.63▼
2023 · 31.71
Debt ≤ 1 year
€525,376▲
2023 · €6,623
Debt > 1 year
€659,613
Income taxes
€32,115▲
2023 · €2,074
Staff costs
€167,333
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,157 companies that looked in July 2024 the way this one looks now, 3.0% went bankrupt within 24 months and 94% are still going.
- Micro
- 2 to 5 years old
- solvency under 10%
- a profit of 5% of the balance sheet or more
3.0%
went bankrupt
2.8%
stopped otherwise
94%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.6% 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 497,341 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% 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 2,157 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.
Annual accounts
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €167,333 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €148 | €841 | €39,190 | ▲ 4,562% |
| Other operating charges640/8 | €3,184 | €3,624 | €3,510 | ▼ 3.1% |
| Gross operating margin9900 | €2,759 | €11,723 | €360,770 | ▲ 2,977% |
| Operating profit (loss)9901 | -€573 | €7,259 | €150,738 | ▲ 1,977% |
| Financial income75/76B | - | - | €502 | - |
| Recurring financial income75 | - | - | €502 | - |
| Financial charges65/66B | €44 | €255 | €8,392 | ▲ 3,185% |
| Recurring financial charges65 | €44 | €255 | €8,392 | ▲ 3,185% |
| Profit (loss) for the period before taxes9903 | -€617 | €7,003 | €142,847 | ▲ 1,940% |
| Income taxes67/77 | €289 | €2,074 | €32,115 | ▲ 1,448% |
| Profit (loss) for the period9904 | -€906 | €4,929 | €110,732 | ▲ 2,147% |
| Profit (loss) for the period to be appropriated9905 | -€906 | €4,929 | €110,732 | ▲ 2,147% |
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €37,872 | €15,647 | €1.3m | ▲ 8,239% |
| Fixed assets21/28 | €1,243 | €3,606 | €954,416 | ▲ 26,368% |
| Intangible fixed assets21 | - | - | €727,166 | - |
| Tangible fixed assets22/27 | €943 | €3,306 | €226,949 | ▲ 6,765% |
| Plant, machinery and equipment23 | - | - | €71,564 | - |
| Furniture and vehicles24 | €943 | €1,246 | €154,127 | ▲ 12,272% |
| Other tangible fixed assets26 | - | €2,060 | €1,259 | ▼ 38.9% |
| Financial fixed assets28 | €300 | €300 | €300 | = |
| Current assets29/58 | €36,629 | €12,041 | €350,329 | ▲ 2,810% |
| Amounts receivable within one year40/41 | - | €4,355 | €50,314 | ▲ 1,055% |
| Trade receivables40 | - | €2,723 | €48,429 | ▲ 1,679% |
| Other amounts receivable41 | - | €1,633 | €1,885 | ▲ 15.4% |
| Cash at bank and in hand54/58 | €32,629 | €6,064 | €286,735 | ▲ 4,628% |
| Deferred charges and accrued income490/1 | €4,000 | €1,621 | €13,280 | ▲ 719% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €37,872 | €15,647 | €1.3m | ▲ 8,239% |
| Equity10/15 | €4,094 | €9,023 | €119,755 | ▲ 1,227% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | = |
| Profit (loss) carried forward14 | -€906 | €4,023 | €114,755 | ▲ 2,752% |
| Amounts payable17/49 | €33,777 | €6,623 | €1.2m | ▲ 17,791% |
| Amounts payable after more than one year17 | - | - | €659,613 | - |
| Financial debts170/4 | - | - | €659,613 | - |
| Amounts payable within one year42/48 | €33,777 | €6,623 | €525,376 | ▲ 7,832% |
| Current portion of amounts payable after more than one year42 | - | - | €85,387 | - |
| Trade debts44 | €613 | €811 | €111,636 | ▲ 13,670% |
| Suppliers440/4 | €613 | €811 | €111,636 | ▲ 13,670% |
| Taxes, remuneration and social security45 | €27,995 | €5,813 | €84,175 | ▲ 1,348% |
| Taxes450/3 | €27,995 | €5,813 | €52,011 | ▲ 795% |
| Remuneration and social security454/9 | - | - | €32,165 | - |
| Other amounts payable47/48 | €5,169 | €0 | €244,178 | - |
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | -€906 | €4,929 | €110,732 | ▲ 2,147% |
| + Depreciation and write-downs630 | €148 | €841 | €39,190 | ▲ 4,562% |
| Operating cash flow (approximation) | -€758 | €5,770 | €149,922 | ▲ 2,499% |
| Investment in fixed assets (approximation) | - | -€3,204 | -€990,000 | ▼ 30,799% |
| Change in cash | - | -€26,564 | €280,670 | ▲ 1,157% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
12-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Highest result since 2022net €110,732 ▲2,147%
Operating result €150,738, net result €110,732, both a record.
31-12
Financial
Equity above €100,000Eq €119,755 ▲1,227%
2 profitable years in a row build equity to €119,755.
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 13 days late
2023
31-12
Financial
Back to profitnet €4,929
Net result €4,929 after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 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
No directors read yet: 0 of 2 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Hamois · 1 establishment unit since 2022
Ground area
1,772 m²
Building footprint
216 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
LES CONSTRUCTIONS JMD
since 20222.332.872.170
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91059E0414/00L000 | Wallonia | 1,150 m² | 1 · 97 m² | - |
| 92253B0579/00V000 | Wallonia | 622 m² | 1 · 119 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Recognised contractor
2 categoriesLES CONSTRUCTIONS JMD SRL44939
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Of 29,766 companies in this sector we hold annual accounts for 16,066. 12,999 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded29-06-2022
Fiscal year end31-12
Abbreviation FR
LFO
Activities, NACEBEL 2025
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
42220Construction of utility projects for electricity and telecommunications
43110Demolition
43211General electrical installation work
70200Business and other management consultancy
82990Other business support services
Contact
E-mail
geoffreygregoire7@gmail.com
Phone
+32470500714
E-invoicing
Reachable via Peppol
Peppol ID
0208:0787789854
Registered
10-04-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.