AJ bâtiment BV
ActiveThe computed 12-month bankruptcy probability of AJ bâtiment BV is 1.9% (moderate). The 2025 annual accounts show equity of €116k and a net result of €27k. Equity is growing by ~51.5% per year across the filed fiscal years. Its solvency ranks better than 50% of 7431 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
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▼-2
Solvency68▲+7
Growth78=
Track record94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.7 against 1.48 in 2024; short-term debt: 47.8% and cash: 71.6% of total assets), but 56.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 41
Relative position
BE, all sectors
reference
Sector 41
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
43.4%
Return on assets
10.1%
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 23-08-2026, 23 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
23 d late
2024
41 d early
2023
16 d late
2022
30 d late
2021
16 d late
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€27k▼ 6.8%
2024 · €29k
2021: €8k
2022: €21k
2023: €21k
2024: €29k
2021 → 2025
Working capital
€90k▲ 48.7%
2024 · €60k
2021: €7k
2022: €17k
2023: €27k
2024: €60k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€18k-€39k▲ 120%€60k▲ 52.5%€89k▲ 48.5%€116k▲ 30.4%
Operating result€10k-€26k▲ 167%€30k▲ 13.1%€41k▲ 39.1%€44k▲ 7.0%
Net result€8k-€21k▲ 172%€21k▼ 3.7%€29k▲ 41.0%€27k▼ 6.8%
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 7% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €267k
Fixed assets
€50k▼ 21.8%
Current assets
€218k▲ 17.6%
Equity and liabilities €267k
Equity
€116k▲ 30.4%
Debt
€151k▼ 5.2%
The debt ratio falls from 64.2% to 56.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€70k▲
2024 · €67k
Cash flow
€53k▼
2024 · €55k
Solvency
43.4%▲
2024 · 35.8%
Current ratio
1.70▲
2024 · 1.48
Quick ratio
1.70▲
2024 · 1.48
Debt / equity
1.30▼
2024 · 1.79
ROE
23.3%▼
2024 · 32.7%
ROA
10.1%▼
2024 · 11.7%
Interest coverage
10.55▼
2024 · 15.12
Debt
€151k▼
2024 · €160k
Debt ≤ 1 year
€128k▲
2024 · €125k
Debt > 1 year
€23k▼
2024 · €35k
Income taxes
€11k▲
2024 · €8k
Staff costs
€37k▼
2024 · €48k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€249k€267k▲
Fixed assets21/28€64k€50k▼
Tangible fixed assets22/27€64k€50k▼
Plant, machinery and equipment23€9k€8k▼
Furniture and vehicles24€21k€19k▼
Leasing and similar rights25€33k€22k▼
Current assets29/58€185k€218k▲
Amounts receivable within one year40/41€28k€26k▼
Trade receivables40€19k€14k▼
Other amounts receivable41€9k€12k▲
Cash at bank and in hand54/58€157k€192k▲
Deferred charges and accrued income490/1€75-
Equity and liabilities
Total equity and liabilities10/49€249k€267k▲
Equity10/15€89k€116k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€79k€106k▲
Amounts payable17/49€160k€151k▼
Amounts payable after more than one year17€35k€23k▼
Financial debts170/4€35k€23k▼
Amounts payable within one year42/48€125k€128k▲
Current portion of amounts payable after more than one year42€12k€12k▼
Trade debts44€49k€47k▼
Suppliers440/4€43k€40k▼
Bills of exchange payable441€6k€7k▲
Taxes, remuneration and social security45€36k€46k▲
Taxes450/3€18k€29k▲
Remuneration and social security454/9€18k€17k▼
Other amounts payable47/48€28k€24k▼
Income statement
Code20242025
Remuneration, social security and pensions62€48k€37k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€25k▼
Other operating charges640/8€4k€917▼
Non-recurring operating charges66A€318€1k▲
Gross operating margin9900€119k€110k▼
Operating profit (loss)9901€41k€44k▲
Financial income75/76B€694€291▼
Recurring financial income75€694€291▼
Financial charges65/66B€4k€7k▲
Recurring financial charges65€4k€7k▲
Profit (loss) for the period before taxes9903€38k€38k▲
Income taxes67/77€8k€11k▲
Profit (loss) for the period9904€29k€27k▼
Profit (loss) for the period to be appropriated9905€29k€27k▼
Appropriation of the result
Profit (loss) to be appropriated9906€79k€106k▲
Profit (loss) brought forward from the previous period14P€50k€79k▲
The notes to these accounts (7 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
03-09
State Gazette act
Registered office · Statutes amendmentGeneral meeting · Name change · Registered-office move8 facts ▸
State Gazette act
Registered office · Statutes amendment
General meeting · Name change · Registered-office move8 facts ▸
- General meeting, 2026-06-10
- Name change, AJ bâtiment
- Registered-office move, 4690 Bassenge, Rue de la Paille, 35/C
- Statutes amendment
- Corporate purpose, Projectontwikkeling voor de nieuwbouw van individuele woningen en renovatiewerkzaamheden; Projectontwikkeling voor de bouw van appartementsgebouwen, kantoorgebo…
- Capital
- Power of attorney, de bestuurder
- Power of attorney, iedere derde
23-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 23 days late
2025
31-12
Financial
Equity above €100kEq €116k ▲30.4%
5 profitable years in a row build equity to €116k.
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €29k ▲41%
Net result €29k, the highest in the series.
16-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 16 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 16 days late
Financial milestoneState Gazette actNBB 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 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Bassenge · 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.
Rue de la Paille 354690 BassengeGround area
342 m²
Building footprint
72 m²
Volume, LiDAR
691 m³
Parcel 62011B0372/00F000, Wallonia · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue de la Paille 35, 4690 Bassenge
since 20202.308.548.134
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62011B0372/00F000 | Wallonia | 342 m² | 1 · 72 m² | 11.3 m · 3 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.
Similar companies · same sector, comparable size
GIOVANNY CONSTRUCTION
BE 0795.875.595
Walcourt · Eq €116k
Gebroeders Van Paemele
BE 0681.870.804
Maldegem · Eq €116k
ALB PROJECTS
BE 0702.880.212
Gent · Eq €116k
ENTREPRISES COULISSE
BE 0460.947.265
Morlanwelz · Eq €116k
MVC PREFAB & MORE
BE 0736.840.110
Hemiksem · Eq €116k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 13,004 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-10-2020
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@aj-batiment.be