Turnover
≈ €750,000 estimated
The micro format states no turnover.
AJF IMMO
Lifetime
1 annual account with figurespeak €228,661 (2025)
€228,661
peak €117,751 (2025)
€117,751
peak €142,751 (2025)
€142,751
€273,134
Board2 names since 2024
2 directorsFURIC Jonathan Yves Georges Guy and 1 other
Documentsfilings and deeds
30-10-202691 days late
2025micro format
Registered office moved to Neufmaison 05-09First year with figures
Key points
from the 2025 annual accountsStarting capital
€25,000 100 shares
Position in the sector
€117,751
Higher net result than 95% of companies in construction of buildings. Sector median €8,556 · 9,461 companies.
2025 accounts filed 91 days after the deadline
Checked score
52
Fair
Financially stronger than 68% of micro companies in construction of buildings (NACE 41)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
3.3% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,460 companies (NACE 41, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
04-2025: 3.6%
05-2025: 3.6%● unchanged vs 04-2025
06-2025: 3.7%▲ +0.1 percentage points vs 05-2025
07-2025: 4.0%▲ +0.3 percentage points vs 06-2025
08-2025: 4.2%▲ +0.2 percentage points vs 07-2025
09-2025: 4.5%▲ +0.3 percentage points vs 08-2025
10-2025: 7.8%▲ +3.3 percentage points vs 09-2025
11-2025: 7.8%● unchanged vs 10-2025
12-2025: 7.6%▼ -0.2 percentage points vs 11-2025
01-2026: 7.6%● unchanged vs 12-2025
02-2026: 8.0%▲ +0.4 percentage points vs 01-2026
03-2026: 8.1%▲ +0.1 percentage points vs 02-2026
04-2026: 8.1%● unchanged vs 03-2026
05-2026: 8.1%● unchanged vs 04-2026
06-2026: 8.1%● unchanged vs 05-2026
07-2026: 8.1%● unchanged vs 06-2026
08-2026: 8.1%● unchanged vs 07-2026
09-2026: 8.1%● unchanged vs 08-2026
10-2026: 11.7%▲ +3.6 percentage points vs 09-2026highest value
11-2026: 3.3%▼ -8.4 percentage points vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 91 days late; 1 of the last 3 accounts late
Founded in 2024
Sector: Construction of residential and non-residential buildings (NACE 41)
1 change of registered office in 24 months
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro). It does better than 41% of them on solvency, 71% on liquidity and 91% on profitability.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as AJF IMMO has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of AJF IMMO itself is higher: 3.3% within 12 months. It rests on far more data about AJF IMMO than the profile alone.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for AJF IMMO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €7,000 on 30-day terms, only on tighter conditions: the latest accounts were filed more than 90 days after the deadline
Liquidity is tight, with a current ratio of 1.44, below the usual 1.5. Short-term debt is 64.3% and cash 48.6% of total assets. 65.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
raises risk
raises risk · 2025 accounts filed 91 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-10-2026, 91 days past the deadline. Measured on financial year 2023: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.
NBB · 1 filingDeviation from the deadline
2025
91 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1007287491
Registered office moved to Neufmaison
New registered office: Rue Maurice Dumont N°50, 7332 Neufmaison · Appointment: Farouni Zahia (director) · General meeting of 13-08-2025 · Gazette deed
First establishment
EvoSelect, Avenue de la Princesse (V.P) 17, Bernissart
Incorporation
Founding capital of €25,000, 100 shares · Founder: FURIC Jonathan Yves Georges Guy (comparant) · Appointment: FURIC Jonathan Yves Georges Guy (sole director) · published on 21-03-2024 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| AJF IMMO Saint-Ghislain | €415,885 | €228,661 | 34.3% | - |
| CONCEPT 32 Kortenberg | €392,873 | €228,569 | 34.9% | - |
| Cornillie Projects Heist-op-den-Berg | €412,591 | €238,438 | 54.2% | - |
| DARDENNE Gilles - Energy Systems Beauraing | €415,672 | €217,373 | 34.5% | - |
| SF HOLDING Brussels | €433,775 | €227,350 | 43.3% | - |
| ENGIMA BELGIUM Wemmel | €468,727 | €283,551 | 39.6% | 1.9 |
| TEAM BAT Vilvoorde | €342,272 | €268,386 | 41.8% | - |
These companies have the same main activity as AJF IMMO: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €342,000 and €469,000, founded between 2023 and 2024.
Official details
Source: KBO- Status
- Active since 19-03-2024Normal situation
- Activity
- General construction of residential buildingsNACE 41001
- Establishment unit
- 2.359.370.4917322 Bernissart, since 01-04-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 26-11-2025
Insights on AJF IMMO
The computed 12-month bankruptcy probability of AJF IMMO is 3.3% (moderate). The 2025 annual accounts show equity of €142,751 and a net result of €117,751.
Its solvency ranks better than 41% of 9,471 sector peers (NACE 41, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about AJF IMMO
- What is the company number of AJF IMMO?
- The company number of AJF IMMO is 1007.287.491. The VAT number is the same number with BE in front: BE 1007.287.491.
- Where is AJF IMMO based?
- The registered office is at Rue Dumont 50, 7332 Saint-Ghislain.Company details
- What does AJF IMMO do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of AJF IMMO?
- AJF IMMO is a private limited company (BV).
- When was AJF IMMO founded?
- AJF IMMO was founded on 19-03-2024.
- Is AJF IMMO still active?
- Yes, AJF IMMO is an active enterprise in the KBO register.
- What is the turnover of AJF IMMO?
- The turnover in financial year 2025 is ≈ €750,000. This figure is estimated from the gross margin of €228,661 and 97 comparable companies (NACE 41001). It probably lies between €530,000 and €1.2m.Financials
- Is AJF IMMO profitable?
- In financial year 2025, AJF IMMO made a profit of €117,751.
- Where can I find the annual accounts of AJF IMMO?
- AJF IMMO filed 1 annual account with the National Bank of Belgium, for financial year 2025.
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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