Storms Jan Constructies & ondernemingen
ActiveSummary
The computed 12-month bankruptcy probability of Storms Jan Constructies & ondernemingen is 2.0% (moderate). The 2025 annual accounts show equity of €117k and a net result of €35k. Equity is growing by ~27% per year across the filed fiscal years. Its solvency ranks better than 43% of 27786 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
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+28
Solvency66▲+15
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 1.54 against 1.26 in 2024; short-term debt: 55.6% and cash: 47% of total assets), but 59.1% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
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
40.9%
Return on assets
12.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
28 d late
2024
28 d late
2023
14 d late
2022
51 d late
2021
29 d late
← 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
€117k▲ 42.9%
2024 · €82k
2021: €33k
2022: €49k
2023: €68k
2024: €82k
2021 → 2025
Total assets
€286k▼ 9.4%
2024 · €315k
2021: €65k
2022: €169k
2023: €308k
2024: €315k
2021 → 2025
Net result
€35k▲ 164%
2024 · €13k
2021: €23k
2022: €17k
2023: €19k
2024: €13k
2021 → 2025
Working capital
€86k▲ 58.3%
2024 · €54k
2021: €20k
2022: €36k
2023: €48k
2024: €54k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€33k-€49k▲ 52.1%€68k▲ 38.5%€82k▲ 19.4%€117k▲ 42.9%
Operating result€29k-€22k▼ 24.4%€25k▲ 11.2%€28k▲ 11.5%€56k▲ 103%
Net result€23k-€17k▼ 24.8%€19k▲ 12.4%€13k▼ 30.3%€35k▲ 164%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 103% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €286k
Fixed assets
€41k ▼ 20.3%
Current assets
€245k ▼ 7.2%
Equity and liabilities €286k
Equity
€117k ▲ 42.9%
Debt
€169k ▼ 27.6%
Debt's share of the balance-sheet total falls from 74.1% to 59.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€73k▲
2024 · €46k
Cash flow
€52k▲
2024 · €31k
Current ratio
1.54▲
2024 · 1.26
Quick ratio
1.50▲
2024 · 1.23
Debt to equity
1.45▼
2024 · 2.86
ROE
30.0%▲
2024 · 16.2%
ROA
12.3%▲
2024 · 4.2%
Interest coverage
5.93▲
2024 · 3.82
Debt ≤ 1 year
€159k▼
2024 · €210k
Debt > 1 year
€9k▼
2024 · €24k
Income taxes
€11k▲
2024 · €4k
Staff costs
€145k▲
2024 · €36k
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€315k€286k▼
Fixed assets21/28€51k€41k▼
Tangible fixed assets22/27€48k€38k▼
Plant, machinery and equipment23€19k€17k▼
Furniture and vehicles24€29k€21k▼
Financial fixed assets28€3k€3k=
Current assets29/58€264k€245k▼
Stocks and contracts in progress3€6k€6k=
Stocks30/36€6k€6k=
Contracts in progress37€0-
Amounts receivable within one year40/41€194k€105k▼
Trade receivables40€191k€103k▼
Other amounts receivable41€2k€2k=
Cash at bank and in hand54/58€63k€134k▲
Deferred charges and accrued income490/1€2k€0▼
Equity and liabilities
Total equity and liabilities10/49€315k€286k▼
Equity10/15€82k€117k▲
Contributions10/11€10k€10k=
Reserves13€72k€107k▲
Distributable reserves133€72k€107k▲
Amounts payable17/49€234k€169k▼
Amounts payable after more than one year17€24k€9k▼
Financial debts170/4€24k€9k▼
Amounts payable within one year42/48€210k€159k▼
Current portion of amounts payable after more than one year42€20k€28k▲
Financial debts43€108k€108k=
Credit institutions430/8€108k€108k=
Trade debts44€51k€336▼
Suppliers440/4€51k€336▼
Taxes, remuneration and social security45€18k€18k▼
Taxes450/3€18k€12k▼
Remuneration and social security454/9-€6k
Other amounts payable47/48€12k€4k▼
Accrued charges and deferred income492/3€0€827▲
Income statement
Code20242025
Remuneration, social security and pensions62€36k€145k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€17k▼
Other operating charges640/8€921€3k▲
Non-recurring operating charges66A-€6k
Gross operating margin9900€83k€227k▲
Operating profit (loss)9901€28k€56k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€12k€12k▲
Recurring financial charges65€12k€12k▲
Profit (loss) for the period before taxes9903€17k€46k▲
Income taxes67/77€4k€11k▲
Profit (loss) for the period9904€13k€35k▲
Profit (loss) for the period to be appropriated9905€13k€35k▲
Appropriation of the result
Profit (loss) to be appropriated9906€13k€35k▲
Transfer to equity691/2€13k€35k▲
To other reserves6921€13k€35k▲
The notes to these accounts (12 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Highest result since 2021net €35k ▲164%
Operating result €56k, net result €35k, both a record.
31-12
Financial
Equity above €100kEq €117k ▲42.9%
5 profitable years in a row build equity to €117k.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Weakest financial yearnet €13k ▼30.3%
Net result drops to €13k, the lowest in the series; recovery starts the following year.
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2023
20-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 51 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
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, Lier · 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.
Rechtestraat 132500 LierGround area
70 m²
Building footprint
70 m²
Volume, LiDAR
843 m³
Parcel 12021H0009/00C000, Flanders · tallest building 14.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Storms Jan Constructies & ondernemingen
since 20202.311.096.066
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12021H0009/00C000 ProtectedTownscape or village viewRechtestraat, Hoogbrug en Neteboord tussen Rechtestraat en KerkstraatSource ↗ |
Flanders | 70 m² | 1 · 70 m² | 14.7 m · 4 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 316 EUR awarded · 316 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 316 EUR | 316 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 20,024 companies in sector 43320 we hold annual accounts for 9,135. 7,711 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
Founded22-12-2020
Fiscal year end31-12
Abbreviation NL
SJCO
Activities, NACEBEL 2025
41001General construction of residential buildings
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:schrijnwerkerij.storms@gmail.com