JC Construct
ActiveSummary
The computed 12-month bankruptcy probability of JC Construct is 1.9% (moderate). The 2025 annual accounts show equity of €30k and a net result of €58k. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 18% of 27786 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+71
Solvency41▼-5
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity short (current ratio 0.71 against 0.82 in 2024; short-term debt: 55% and cash: 4.1% of total assets), and 84.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
15.9%
Return on assets
30.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 27786 sector peers (2025).
NBB · sector comparisonPosition among 27786 sector peers
Solvency
better than 18%
← weakest
strongest →
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 04-03-2026, 149 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
149 d early
2024
58 d early
2023
86 d early
2022
77 d early
2021
82 d early
2020
84 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, micro schema
Equity
€30k▼ 8.2%
2024 · €33k
2020: €21k
2021: €22k
2022: €24k
2023: €46k
2024: €33k
2020 → 2025
Total assets
€188k▲ 18.5%
2024 · €159k
2020: €85k
2021: €93k
2022: €84k
2023: €83k
2024: €159k
2020 → 2025
Net result
€58k
2024 · €-13k
2020: €11k
2021: €1k
2022: €1k
2023: €22k
2024: €-13k
2020 → 2025
Working capital
€-30k▼ 77.8%
2024 · €-17k
2020: €-13k
2021: €-7k
2022: €-2k
2023: €14k
2024: €-17k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€24k▲ 6.3%€46k▲ 92.8%€33k▼ 28.9%€30k▼ 8.2%
Operating result€3k-€5k▲ 48.3%€34k▲ 577%€-8k€74k
Net result€1k-€1k▲ 10.6%€22k▲ 1,476%€-13k€58k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €74k after a loss of €8k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €188k
Fixed assets
€114k ▲ 37.5%
Current assets
€74k ▼ 2.4%
Equity and liabilities €188k
Equity
€30k ▼ 8.2%
Debt
€158k ▲ 25.4%
Debt's share of the balance-sheet total rises from 79.4% to 84.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€94k▲
2024 · €13k
Cash flow
€77k▲
2024 · €8k
Current ratio
0.71▼
2024 · 0.82
Quick ratio
0.56▲
2024 · 0.51
Debt to equity
5.27▲
2024 · 3.86
ROE
192.3%▲
2024 · -40.7%
ROA
30.7%▲
2024 · -8.4%
Interest coverage
15.42▲
2024 · 2.49
Debt ≤ 1 year
€104k▲
2024 · €92k
Debt > 1 year
€54k▲
2024 · €33k
Income taxes
€11k
Staff costs
€43k▼
2024 · €70k
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 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€159k€188k▲
Fixed assets21/28€83k€114k▲
Intangible fixed assets21€235-
Tangible fixed assets22/27€82k€114k▲
Plant, machinery and equipment23€19k€15k▼
Furniture and vehicles24€64k€99k▲
Financial fixed assets28€540€540=
Current assets29/58€75k€74k▼
Stocks and contracts in progress3€29k€15k▼
Stocks30/36€29k€15k▼
Amounts receivable within one year40/41€42k€44k▲
Trade receivables40€29k€2k▼
Other amounts receivable41€12k€42k▲
Cash at bank and in hand54/58€5k€8k▲
Deferred charges and accrued income490/1€499€6k▲
Equity and liabilities
Total equity and liabilities10/49€159k€188k▲
Equity10/15€33k€30k▼
Contributions10/11€10k€10k=
Outside capital11€10k€10k=
Other1109/19€10k€10k=
Reserves13€20k€20k=
Distributable reserves133€20k€20k=
Profit (loss) carried forward14€3k-
Amounts payable17/49€126k€158k▲
Amounts payable after more than one year17€33k€54k▲
Financial debts170/4€33k€54k▲
Amounts payable within one year42/48€92k€104k▲
Current portion of amounts payable after more than one year42€15k€17k▲
Financial debts43€30k€18k▼
Credit institutions430/8€30k€18k▼
Trade debts44€25k€5k▼
Suppliers440/4€25k€5k▼
Taxes, remuneration and social security45€22k€6k▼
Taxes450/3€16k€6k▼
Remuneration and social security454/9€6k-
Other amounts payable47/48-€58k
Accrued charges and deferred income492/3€698€354▼
Income statement
Code20242025
Non-recurring operating income76A-€18k
Remuneration, social security and pensions62€70k€43k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€19k▼
Other operating charges640/8€2k€1k▼
Non-recurring operating charges66A-€1k
Gross operating margin9900€85k€139k▲
Operating profit (loss)9901€-8k€74k▲
Financial income75/76B€427€840▲
Recurring financial income75€427€840▲
Financial charges65/66B€5k€6k▲
Recurring financial charges65€5k€6k▲
Profit (loss) for the period before taxes9903€-13k€69k▲
Income taxes67/77-€11k
Profit (loss) for the period9904€-13k€58k▲
Profit (loss) for the period to be appropriated9905€-13k€58k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€60k▲
Profit (loss) brought forward from the previous period14P€16k€3k▼
Profit to be distributed694/7-€60k
Return on contributions (dividend)694-€60k
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
04-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €58k
Net result €58k after one loss-making year.
03-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-13k ▼160%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
06-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
15-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
10-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
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, Zonhoven · 1 establishment unit since 2019
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.
Heuveneindeweg 133520 ZonhovenGround area
616 m²
Building footprint
239 m²
Volume, LiDAR
885 m³
Parcel 71443E0901/00N000, Flanders · tallest building 10.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
JC Construct/KnapDak
since 20192.296.594.764
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71443E0901/00N000 | Flanders | 616 m² | 1 · 239 m² | 10.1 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 1,100 EUR awarded · 1,045 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 716 EUR | 661 EUR |
| 2023 | 1 | 236 EUR | 236 EUR |
| 2022 | 1 | 148 EUR | 148 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 8,561 companies in sector 43410 we hold annual accounts for 4,357. 3,401 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
Founded05-12-2019
Fiscal year end31-12
Activities, NACEBEL 2025
43410Roofing work
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.