JPB CONSTRUCT
ActiveSummary
JPB CONSTRUCT has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €95k and a net result of €-102. Equity is growing by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 94% of 2179 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability35▼-4
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 10.45 against 64.92 in 2024; short-term debt: 9.5% and cash: 3.2% of total assets), and 9.5% 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 · 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
Sector 41
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
26 d late
2023
28 d late
2022
30 d late
2021
61 d late
2020
18 d late
2019
20 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, abbreviated schema
Equity
€95k▼ 0.1%
2024 · €95k
2018: €58k
2019: €81k
2020: €90k
2021: €110k
2022: €67k
2023: €94k
2024: €95k
2018 → 2025
Total assets
€105k▼ 13.8%
2024 · €121k
2018: €140k
2019: €161k
2020: €168k
2021: €214k
2022: €117k
2023: €98k
2024: €121k
2018 → 2025
Net result
€-102
2024 · €822
2018: €13k
2019: €23k
2020: €9k
2021: €20k
2022: €-43k
2023: €27k
2024: €822
2018 → 2025
Working capital
€94k▼ 21.4%
2024 · €119k
2018: €104k
2019: €120k
2020: €135k
2021: €130k
2022: €67k
2023: €94k
2024: €119k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€110k-€67k▼ 39.5%€94k▲ 41.2%€95k▲ 0.9%€95k▼ 0.1%
Operating result€22k-€-41k€29k€2k▼ 92.8%€1k▼ 38.6%
Net result€20k-€-43k€27k€822▼ 97.0%€-102
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 39% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €105k
Fixed assets
€808
Current assets
€104k
Equity and liabilities €105k
Equity
€95k ▼ 0.1%
Debt
€10k ▼ 62.5%
Debt's share of the balance-sheet total falls from 21.9% to 9.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€2k
Cash flow
€163
Current ratio
10.45▼
2024 · 64.92
Quick ratio
2.82▼
2024 · 24.34
Debt to equity
0.10▼
2024 · 0.28
ROE
-0.1%▼
2024 · 0.9%
ROA
-0.1%▼
2024 · 0.7%
Interest coverage
1.92
Debt ≤ 1 year
€10k▲
2024 · €2k
Income taxes
€1k▲
2024 · €523
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€121k€105k▼
Fixed assets21/28-€808
Tangible fixed assets22/27-€808
Furniture and vehicles24-€808
Current assets29/58€121k€104k▼
Stocks and contracts in progress3€76k€76k=
Stocks30/36€76k€76k=
Amounts receivable within one year40/41€18k€23k▲
Trade receivables40€2k€6k▲
Other amounts receivable41€16k€17k▲
Cash at bank and in hand54/58€25k€3k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€121k€105k▼
Equity10/15€95k€95k▼
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€91k€91k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€89k€89k=
Profit (loss) carried forward14€-15k€-15k▼
Amounts payable17/49€27k€10k▼
Amounts payable within one year42/48€2k€10k▲
Trade debts44€1k€8k▲
Suppliers440/4€1k€8k▲
Taxes, remuneration and social security45€623€2k▲
Taxes450/3€623€2k▲
Accrued charges and deferred income492/3€25k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€266
Other operating charges640/8€673€291▼
Gross operating margin9900€3k€2k▼
Operating profit (loss)9901€2k€1k▼
Financial income75/76B€834€733▼
Recurring financial income75€834€733▼
Financial charges65/66B€2k€799▼
Recurring financial charges65€2k€799▼
Profit (loss) for the period before taxes9903€1k€1k▼
Income taxes67/77€523€1k▲
Profit (loss) for the period9904€822€-102▼
Profit (loss) for the period to be appropriated9905€822€-102▼
Appropriation of the result
Profit (loss) to be appropriated9906€-15k€-15k▼
Profit (loss) brought forward from the previous period14P€-15k€-15k▲
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 64.92
Current ratio from 23.04 to 64.92; short-term debt falls from €4k to €2k.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
31-12
Financial
Liquidity times 10current ratio 23.04
Current ratio from 2.33 to 23.04; short-term debt falls from €50k to €4k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Weakest financial yearnet €-43k ▼317%
Net result drops to €-43k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-12
Financial
Equity above €100kEq €110k ▲22.3%
4 profitable years in a row build equity to €110k.
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
2020
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 20 days late
Show earlier events
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Wellin · 1 establishment unit since 2013
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.
Rue Chestrée,Halma 606922 WellinGround area
1,079 m²
Building footprint
210 m²
Volume, LiDAR
1,151 m³
2 parcels, Wallonia · tallest building 9.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
JPB CONSTRUCT
since 20132.224.411.621
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 84075B1102/00P000 | Wallonia | 897 m² | 1 · 135 m² | 7.1 m · 1 fl. |
| 84025B1769/00C000 | Wallonia | 182 m² | 1 · 75 m² | 9.4 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
THE BURGER LOMMEL
BE 0746.697.585
Lommel · Eq €94,710
Ets de Construction Olivier THONUS
BE 0771.760.803
Floreffe · Eq €94,676
TPM CONSTRUCT
BE 0690.663.160
Brussel · Eq €94,667
PSMT RENOVATION
BE 1016.370.354
Yvoir · Eq €94,642
VOLTAPRO
BE 0776.590.809
Fontaine-l'Evêque · Eq €94,765
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 13,166 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 (pre-2019)
Founded22-11-2013
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.