J TECHNICS
ActiveSummary
J TECHNICS has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €152k and a net result of €4k. Equity is growing by ~6.5% per year across the filed fiscal years. Its solvency ranks better than 28% of 7777 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+12
Solvency51▲+3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity tight (current ratio 1.29 against 1.2 in 2024; short-term debt: 56.3% and cash: 5.8% of total assets), and 73.7% of the assets are financed with debt.
Credit check 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 · 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 · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
26.3%
Return on assets
0.6%
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
27 d early
2023
48 d early
2022
45 d early
2021
44 d early
2020
8 d early
2019
56 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, abbreviated schema
Equity
€152k▲ 2.5%
2024 · €148k
2018: €91k
2019: €107k
2020: €96k
2021: €124k
2022: €132k
2023: €140k
2024: €148k
2018 → 2025
Total assets
€578k▼ 8.8%
2024 · €633k
2018: €511k
2019: €642k
2020: €597k
2021: €584k
2022: €609k
2023: €578k
2024: €633k
2018 → 2025
Net result
€4k▼ 55.9%
2024 · €9k
2018: €13k
2019: €16k
2020: €-12k
2021: €29k
2022: €8k
2023: €8k
2024: €9k
2018 → 2025
Working capital
€94k▲ 18.7%
2024 · €79k
2018: €66k
2019: €-6k
2020: €-15k
2021: €25k
2022: €45k
2023: €66k
2024: €79k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€124k-€132k▲ 6.1%€140k▲ 6.2%€148k▲ 6.1%€152k▲ 2.5%
Operating result€36k-€13k▼ 62.7%€19k▲ 41.2%€21k▲ 9.3%€6k▼ 68.7%
Net result€29k-€8k▼ 73.7%€8k▲ 8.2%€9k▲ 4.2%€4k▼ 55.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 69% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €578k
Fixed assets
€159k ▼ 6.5%
Current assets
€419k ▼ 9.6%
Equity and liabilities €578k
Equity
€152k ▲ 2.5%
Debt
€426k ▼ 12.3%
Debt's share of the balance-sheet total falls from 76.6% to 73.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€28k▼
2024 · €38k
Cash flow
€26k▼
2024 · €26k
Current ratio
1.29▲
2024 · 1.20
Quick ratio
0.20▼
2024 · 0.48
Debt to equity
2.80▼
2024 · 3.27
ROE
2.5%▼
2024 · 5.7%
ROA
0.6%▼
2024 · 1.3%
Interest coverage
94.80▲
2024 · 4.54
Debt ≤ 1 year
€326k▼
2024 · €385k
Debt > 1 year
€100k=
2024 · €100k
Income taxes
€2k▼
2024 · €4k
Staff costs
€143k▼
2024 · €167k
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 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€633k€578k▼
Formation expenses20€0€0=
Fixed assets21/28€170k€159k▼
Intangible fixed assets21€66k€66k=
Tangible fixed assets22/27€104k€93k▼
Land and buildings22€63k€61k▼
Plant, machinery and equipment23€23k€15k▼
Furniture and vehicles24€11k€13k▲
Other tangible fixed assets26€6k€3k▼
Current assets29/58€464k€419k▼
Stocks and contracts in progress3€277k€355k▲
Stocks30/36€126k€175k▲
Contracts in progress37€152k€180k▲
Amounts receivable within one year40/41€127k€20k▼
Trade receivables40€123k€14k▼
Other amounts receivable41€4k€5k▲
Current investments50/53€5k€5k=
Cash at bank and in hand54/58€49k€33k▼
Deferred charges and accrued income490/1€6k€6k▲
Equity and liabilities
Total equity and liabilities10/49€633k€578k▼
Equity10/15€148k€152k▲
Contributions10/11€35k€35k=
Reserves13€4k€4k=
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Profit (loss) carried forward14€110k€114k▲
Amounts payable17/49€485k€426k▼
Amounts payable after more than one year17€100k€100k=
Financial debts170/4€100k€100k=
Amounts payable within one year42/48€385k€326k▼
Trade debts44€104k€43k▼
Suppliers440/4€104k€43k▼
Taxes, remuneration and social security45€206k€207k▲
Taxes450/3€12k€6k▼
Remuneration and social security454/9€193k€201k▲
Other amounts payable47/48€75k€76k▲
Income statement
Code20242025
Remuneration, social security and pensions62€167k€143k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€22k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€208k€173k▼
Operating profit (loss)9901€21k€6k▼
Financial income75/76B€590€44▼
Recurring financial income75€590€44▼
Financial charges65/66B€8k€298▼
Recurring financial charges65€8k€298▼
Profit (loss) for the period before taxes9903€13k€6k▼
Income taxes67/77€4k€2k▼
Profit (loss) for the period9904€9k€4k▼
Profit (loss) for the period to be appropriated9905€9k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€110k€114k▲
Profit (loss) brought forward from the previous period14P€101k€110k▲
Social balance
Average headcount (FTE)90872.72.7=
The notes to these accounts (10 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €150kEq €152k ▲2.5%
5 profitable years in a row build equity to €152k.
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €29k
Net result €29k after one loss-making year.
31-12
Financial
Equity above €100kEq €124k ▲30%
Equity rises from €96k to €124k.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-12k ▼174%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
05-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €100kEq €107k ▲17.5%
2 profitable years in a row build equity to €107k.
Show earlier events
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
07-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
14-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2002
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.
Kleine Kouterstraat(VRA) 2A9120 Beveren-Kruibeke-ZwijndrechtGround area
1,589 m²
Building footprint
260 m²
Volume, LiDAR
1,093 m³
Parcel 46028D0696/00W000, Flanders · tallest building 7.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
J TECHNICS BVBA
since 20022.095.795.559
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46028D0696/00W000 | Flanders | 1,589 m² | 1 · 260 m² | 7.2 m · 1 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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KALKEO
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B & B WORKS
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Of 4,097 companies in sector 43240 we hold annual accounts for 1,632. 1,340 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
Founded11-03-2002
Fiscal year end31-12
Activities, NACEBEL 2025
43240Other construction installation
43320Joinery installation
43211General electrical installation work
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.