Age3 yrs
Real estate1 parcel · 334 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of J4 Construction is 0.6% (low). The 2025 annual accounts show equity of €51k and a net result of €23k. Its solvency ranks better than 65% of 1165 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Signals
1 signal · with evidenceConsistently profitable
Positive net result in the two most recent financial years (2024 and 2025).
View the result trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 24-12-2025, 38 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 30-06. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 30-06-2025 | 31-01-2026 | 24-12-2025 | 38 d early | 2025-00589725 |
| 30-06-2024 | 31-01-2025 | 17-12-2024 | 45 d early | 2024-00617565 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.6%
Low
0%0,5%1,5%4%10%≥25%
Young company
+Lower-failure-rate sector
−Annual accounts: healthy financial profile
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€23k-9.8%
Working capital€47k+66.6%
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 24-12-2025 with the NBB · fiscal year 2025 · micro
Sector comparison
Fiscal year 2025 · NACE 71, Architecture & engineering · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 69.9% | 55.2% | |
| Net result | €23k | €23k | |
| Equity | €51k | €51k | |
| Gross operating margin | €33k | €43k | |
| Total assets | €74k | €106k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€32k
-
24-25
€23k
-9.8%
24-25
€23k
-
24-25
€74k
+30.0%
24-25
€51k
+83.7%
24-25
€47k
+66.6%
24-25
€8k
-32.1%
24-25
€22k
-22.5%
24-25
Show 8 other metrics
€22k
-21.2%
24-25
3.14
+56.0%
24-25
3.14
+56.0%
24-25
69.9%
+41.3%
24-25
0.43
-57.8%
24-25
45.6%
-50.9%
24-25
31.8%
-30.6%
24-25
175.04
-
24-25
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €32k |
| Net profit | €23k |
| Cash flow | €23k |
| Staff costs | - |
| Income taxes | €8k |
| Dividends | - |
| Total assets | €74k |
| Equity | €51k |
| Debt | €22k |
| of which ≤ 1y | €22k |
| of which > 1y | - |
| Working capital | €47k |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 3.14 |
| Quick ratio | 3.14 |
| Working capital ratio | 64.4% |
| Solvency | 69.9% |
| Debt / equity | 0.43 |
| Long-term debt ratio | - |
| Interest coverage | 175.04 |
| Gross margin | - |
| Net margin | - |
| ROA | 31.8% |
| ROE | 45.6% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts (21 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €74k |
| Fixed assets | 21/28 | €4k |
| Tangible fixed assets | 22/27 | €4k |
| Current assets | 29/58 | €70k |
| Amounts receivable within one year | 40/41 | €24k |
| Cash & bank | 54/58 | €45k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €74k |
| Equity | 10/15 | €51k |
| Contributions / capital | 10/11 | €2k |
| Reserves | 13 | €26k |
| Accumulated profits (losses) | 14 | €23k |
| Amounts payable | 17/49 | €22k |
| Amounts payable within one year | 42/48 | €22k |
| Trade debts payable within one year | 44 | €8k |
| Income statement | ||
| Gross operating margin | 9900 | €33k |
| Operating result | 9901 | €32k |
| Financial charges | 65 | €183 |
| Result before taxes | 9903 | €32k |
| Income taxes | 67/77 | €8k |
| Net result for the period | 9904 | €23k |
| Result to be appropriated | 9905 | €23k |
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2025 · computed93
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationJ4 Construction
since 20232.345.058.439
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area334 m²
Buildings1
Building footprint126 m²
Volume (LiDAR)631 m³
Tallest building10.0 m · ±1 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11036A0413/00T003 | Flanders | 334 m² | 1 · 126 m² | 10.0 m · 1 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgian State Gazette · acts
0 of 1 acts readWe know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.
Analysis
Financial profile
5 of 5 axes measured88
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
93
Profitability
100
Solvency
100
Growth
52
Stability
94
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 1,819 of the 11,507 companies in this sector. 1,549 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Ingenieurs en aanverwante technische adviseurs, exclusief landmeters71121Activiteiten van ingenieurs en aanverwante technische adviseurs, exclusief landmeters-experts71121Installatie van industriële machines, toestellen en werktuigen33200Installatie van industriële machines, toestellen en werktuigen33200Overige dienstverlenende activiteiten op het gebied van informatie63920Overige dienstverlenende activiteiten op het gebied van informatie, n.e. g.63990Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Activiteiten van industriële designers74102Activiteiten van industriële designers74112Overige gespecialiseerde wetenschappelijke en technische activiteiten74909Overige activiteiten van vrije beroepen en andere wetenschappelijke en technische activiteiten, neg74999
Primary activity highlighted.
Names & trade names
| Legal nameNL | J4 Construction |
Registered office
Clemenshoek 115
2840 Rumst, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.