Debts
€262,412 76% of the balance sheet
Suppliers 90%Taxes and wages 5%Other 5%
AMJ CONSTRUCT
Overview
Lifetime
2 annual accounts with figures on one time axispeak €66,023 (2024)
€55,348▼ 16.2%
peak €46,217 (2024)
€34,601▼ 25.1%
peak €80,817 (2025)
€80,817▲ 74.9%
€262,412▼ 33.7%
Board1 name since 2023
1 directorJUROVSCHI Marius-Aurel
Documentsfilings and deeds
30-04-2026on the last day
2025micro format
Gross margin from €66,023 to €55,348Result from €46,217 to €34,601Equity from €46,217 to €80,817Debts from €395,633 to €262,412Investments €11,204Cash from €239,431 to €9,488
Key points
from the 2025 annual accountsInvestments
€27,760 4.8 × depreciation
Green is investment, beige is depreciation.
Position in the sector
€34,601
Higher net result than 80% of companies in construction of buildings. Sector median €8,554 · 9,452 companies.
Checked score
50
Fair
Financially stronger than 41% of micro companies in construction of buildings (NACE 41)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
3.1% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 3.7%
01-2025: 4.1%▲ +0.4 percentage points vs 12-2024
02-2025: 4.2%▲ +0.1 percentage points vs 01-2025
03-2025: 4.6%▲ +0.4 percentage points vs 02-2025
04-2025: 4.6%● unchanged vs 03-2025
05-2025: 5.0%▲ +0.4 percentage points vs 04-2025highest value
06-2025: 1.2%▼ -3.8 percentage points vs 05-2025
07-2025: 1.2%● unchanged vs 06-2025lowest value
08-2025: 1.2%● unchanged vs 07-2025lowest value
09-2025: 1.2%● unchanged vs 08-2025
10-2025: 1.2%● unchanged vs 09-2025
11-2025: 1.2%● unchanged vs 10-2025
12-2025: 1.2%● unchanged vs 11-2025
01-2026: 1.2%● unchanged vs 12-2025
02-2026: 1.2%● unchanged vs 01-2026
03-2026: 1.2%● unchanged vs 02-2026
04-2026: 1.3%▲ +0.1 percentage points vs 03-2026
05-2026: 1.6%▲ +0.3 percentage points vs 04-2026
06-2026: 3.1%▲ +1.5 percentage points vs 05-2026
07-2026: 3.1%● unchanged vs 06-2026
08-2026: 3.1%● unchanged vs 07-2026
09-2026: 3.1%● unchanged vs 08-2026
10-2026: 3.1%● unchanged vs 09-2026
11-2026: 3.1%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Founded in 2023
Sector: Construction of residential and non-residential buildings (NACE 41)
Liquidity: current ratio 1.26, cash €9,488, halved
lowers risk
Figures for financial year 2025 (filed on 09-05-2026)
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 30% of them on solvency, 10% on liquidity, 39% on profitability and 85% on growth.
The bankruptcy probability was computed on 09-11-2026 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 30-09-2025.
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, 7,976 companies had the same profile as AMJ CONSTRUCT has now. Each dot stands for 20 companies, two years later.
94.3%
were still trading
1.8%
stopped another way
3.6%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of AMJ CONSTRUCT itself: 3.1% within 12 months.
Test of the method
The method was tested on the 497,447 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 7,976 companies, not a prediction for AMJ CONSTRUCT. 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 €4,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.26 (1.1 in 2024), below the usual 1.5. Short-term debt is 76.5% and cash 2.8% of total assets. 76.5% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
on the day
2024
8 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 4 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end10-11-2026 today30-04-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1000575685
Incorporation
Founding capital of €6,000, 100 shares · Founder: JUROVSCHI Marius-Aurel · Appointment: JUROVSCHI Marius-Aurel (director) · published on 04-10-2023 · Gazette deed
First establishment
Steenweg op Brussel 149, Wemmel
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| AMJ CONSTRUCT Wemmel | €1.0m | 5.0% | 23.5% | - |
| Grezo Constructions Grimbergen | - | - | 15.5% | - |
| BK GROUP CONSTRUCT Sint-Genesius-Rode | - | - | 8.4% | - |
| SMG EXPERT Sint-Pieters-Leeuw | €0.5m | 13.5% | 24.8% | - |
| RMC RENOVATION Hoeilaart | €1.2m | 0.1% | 3.3% | - |
| DE.LI.CA Riemst | €0.9m | 1.4% | 21.8% | - |
| VIKING CONSTRUCTION & ENGINEERING Léglise | - | - | 2.1% | - |
Grey: the largest companies of the sector (construction of buildings (NACE 41)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as AMJ CONSTRUCT: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €313,000 and €385,000, founded in 2023.
Official details
Source: KBO- Status
- Active since 02-10-2023Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 5 others
- Establishment unit
- 2.350.440.5531780 Wemmel, since 02-10-2023
- Financial year end
- 30 September
- Peppol
- Reachable since 28-02-2026
Annual accounts to 30-09-2025
- €973,839
- €34,601▼ 25.1%
- €80,817▲ 74.9%
- €343,230▼ 22.3%
- Filing
- Filed on 30-04-2026, on the last day of the filing period
Insights on AMJ CONSTRUCT
The computed 12-month bankruptcy probability of AMJ CONSTRUCT is 3.1% (moderate). The 2025 annual accounts show equity of €80,817 and a net result of €34,601.
Its solvency ranks better than 30% of 9,462 sector peers (NACE 41, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 30-04-2026, on the day of the deadline€973,839
€49,072
▼ 20.6%
€54,915
▼ 15.5%
€40,443
▼ 18.2%
23.5%
▲ 13.1 percentage points
1.26
▲ 0.16
Balance sheet
balance sheet total €343,230 on 30-09-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
23.5%
Higher than 30% of 9,462 companies in 2025.
1.26
Higher than 35% of 9,210 companies in 2025.
10.1%
Higher than 58% of 9,282 companies in 2025.
AMJ CONSTRUCT
Middle half of the sector
80% of the sector
Micro accounts in construction of buildings (NACE 41)
Net result: top quarter · Equity: middle half · Balance sheet total: top quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
343,230 | 441,850 | |
21/28 |
11,851 | 6,490 | |
22/27 |
11,851 | 6,490 | |
23 |
5,864 | 6,490 | |
24 |
5,988 | - | |
29/58 |
331,378 | 435,360 | |
40/41 |
321,733 | 195,536 | |
40 |
311,320 | 195,536 | |
41 |
10,413 | - | |
54/58 |
9,488 | 239,431 | |
490/1 |
157 | 393 | |
| Balance sheet: equity and liabilities | |||
10/49 |
343,230 | 441,850 | |
10/15 |
80,817 | 46,217 | |
10/11 |
6,000 | 6,000 | |
11 |
- | 6,000 | |
1109/19 |
- | 6,000 | |
14 |
74,817 | 40,217 | |
17/49 |
262,412 | 395,633 | |
42/48 |
262,412 | 395,633 | |
44 |
236,841 | 359,885 | |
440/4 |
236,841 | 359,885 | |
45 |
13,673 | 29,748 | |
450/3 |
13,673 | 19,748 | |
454/9 |
- | 10,000 | |
47/48 |
11,898 | 6,000 | |
| Income statement | |||
70 |
973,839 | - | |
9900 |
55,348 | 66,023 | |
630 |
5,843 | 3,228 | |
640/8 |
434 | 1,007 | |
9901 |
49,072 | 61,788 | |
75/76B |
1 | 3 | |
75 |
1 | 3 | |
65/66B |
2,899 | 1,854 | |
65 |
2,899 | 1,854 | |
9903 |
46,174 | 59,937 | |
67/77 |
11,573 | 13,720 | |
9904 |
34,601 | 46,217 | |
9905 |
34,601 | 46,217 | |
| Appropriation of the result | |||
9906 |
74,817 | 46,217 | |
14P |
40,217 | - | |
694/7 |
- | 6,000 | |
695 |
- | 6,000 | |
| Document | |||
The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2025 (PDF), filed on 30-04-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| 54,915 | 65,016 | ||
| 40,443 | 49,445 | ||
| 27,760 | 7,307 | ||
| -229,943 | - | ||
| 68,966 | 39,727 | ||
| 5.0% | - | ||
| 23.5% | 10.5% | ||
| 1.26 | 1.10 | ||
| 3.25 | 8.56 | ||
| 42.8% | 100.0% | ||
| 10.1% | 10.5% | ||
| 18.94 | 35.07 | ||
| 117 days | - |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 30-09-2025 | 30-09-2024 |
|---|---|---|
| Tangible fixed assets | €27,760 | €7,307 |
| €5,843 | €3,228 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on AMJ CONSTRUCT
The operating result for 2025 is 21% lower than in 2024.
Debt's share of the balance-sheet total falls from 89.5% to 76.5%. Equity is higher and debt is lower.
Board & ownership
Board
1 director, since incorporation- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “Artikel 13 : Vertegenwoordiging van de vennootschap De (iedere) bestuurder vertegenwoordigt de vennootschap jegens derden en in rechte als…”deed of 04-10-2023
Mandates through the years
1 name, the dashed line is todayJUROVSCHI Marius-Aurel
Director
Director
Board
Mandates as a list
- JUROVSCHI Marius-Aurel
- Director, appointed by deed of 04-10-2023, still in office
Control
Capital
- Contribution
- €6,000
- Shares
- 100
- Contribution per share
- €60
- Equity per share
- €808 in 2025
- Source
- deed of 04-10-2023
Articles of association
deed of 04-10-2023 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- 1 director
- Kind of sharesThe articles set which classes of shares exist and what rights each class carries.
- 100 shares
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Helft overdrager,helft kopers naar evenredigheid verworven aantal, geen beroep op rechter”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- 31 March at 12:00
Shareholders
At incorporation
deed of 04-10-2023 ↗
- JUROVSCHI Marius-Aurel 100 shares (100%) · €6,000 in cash
Network & group
No group
AMJ CONSTRUCT has no parent and no holdings in its annual accounts. JUROVSCHI Marius-Aurel is the only director. AMJ CONSTRUCT shares no director with another company.
At the same address
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establishment since 19-07-2006 · founded in 2004 |
total assets €504,315 (2025) 0865.071.338 |
| S.V.S ELECTRIC
registered office since 30-04-2025 · founded in 2025 |
total assets €91,754 (2025) 1022.891.031 |
| Jeuniaux, Juliette (sole trader)
establishment since 02-11-2020 |
founded in 2020 0757.520.213 |
| Ștefchi, Vasile (sole trader)
establishment since 18-08-2020 |
founded in 2020 0763.554.108 |
Timeline
Timeline
5 events since 2023Filings
Establishments
2023202420252026
Deadline for the 2026 accounts: 30-04-2027
2026
Annual accounts 2025 filed PDFmicro format · on the deadline day
Registered in the Peppol Directory Reachable for e-invoices through 0208:1000575685
2025
Annual accounts 2024 filed PDFmicro format · 8 days late
2023
IncorporationFounding capital of €6,000, 100 shares · Founder: JUROVSCHI Marius-Aurel · Appointment: JUROVSCHI Marius-Aurel (director) · published on 04-10-20234 points ▸
- Director appointment, JUROVSCHI Marius-Aurel
- Founder, JUROVSCHI Marius-Aurel
- Power of attorney, DURAKU Vanessa
- Founding capital, €6,000, 100 shares
- The deed holds 12 more points.
First establishment Steenweg op Brussel 149, Wemmel
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
AMJ CONSTRUCT was incorporated on 2 October 2023 as a private limited company by one natural person, with a starting capital of €6,000.12 JUROVSCHI Marius-Aurel is director of the company, appointed by deed of 04-10-2023.2 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3
Company details
Identity
- Enterprise number
- 1000.575.685
- VAT number
- BE 1000.575.685
- Peppol ID
- 0208:1000575685
- Other Peppol ID
- 9925:BE1000575685
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 02-10-2023
- Financial year
- ends on 30 September
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- 31 March at 12:00deed of 04-10-2023 (in Dutch)
- Peppol
- Reachable since 28-02-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- AMJ CONSTRUCT in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 04-10-2023 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 04-10-2023 (in Dutch)
Activities
NACEBEL 202541001
General construction of residential buildings main activity
43110
Demolition
43120
Site preparation
43310
Plastering work
Codes under NACEBEL 2008
41201
General construction of buildings main activity
43110
Demolition
43120
Site preparation
43211
Specialised construction activities
43310
Plastering work
81210
General cleaning of buildings
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Algemene bouw van residentiële gebouwen; Algemene bouw van kantoorgebouwen; Algemene bouw van andere niet-residentiële gebouwen; Slopen…”deed of 04-10-2023 (in Dutch)
54 activities
- Algemene bouw van residentiële gebouwen
- Algemene bouw van kantoorgebouwen
- Algemene bouw van andere niet-residentiële gebouwen
- Slopen
- Bouwrijp maken van terreinen
- Proefboren en boren
- Loodgieterswerk
- Installatie van verwarming,klimaatregeling en ventilatie
- Isolatiewerkzaamheden
- Overige bouwinstallatie
- Stukadoorswerk
- Schrijnwerk
- Vloerafwerking en behangen
- Plaatsen van vloer- en wandtegels
- Plaatsen van vloerbedekking en wandbekleding van hout
- Plaatsen van behang en vloerbedekking en wandbekleding van andere materialen
- Elektrotechnische installatiewerken aan gebouwen
- Elektrotechnische installatiewerken,uitgezonderd aan gebouwen
- Schilderen van gebouwen
- Schilderen van civieltechnische werken
- Glaszetten
- Overige werkzaamheden in verband met de afwerking van gebouwen
- Dakwerkzaamheden
- Overige gespecialiseerde bouwactiviteiten
- Waterdichtingswerken van muren
- Gevelreiniging
- Bouw van sierschouwen en open haarden
- Uitvoeren van metsel- en voegwerken
- Restaureren van bouwwerken
- Chapewerken
- Overige gespecialiseerde bouwwerkzaamheden
- Ontwikkeling van residentiële bouwprojecten
- Ontwikkeling van niet-residentiële bouwprojecten
- Diensten in verband met gebouwen
- Landschapsverzorging
- Exploitatie van en handel in onroerend goed
- Algemene reiniging van gebouwen
- Overige reiniging van gebouwen
- Industriële reiniging
- Andere reinigingsactiviteiten
- Groot- en detailhandel,handelsbemiddeling,handel in alle soorten producten en diensten
- Vervoer te land en vervoer via pijpleidingen
- Overig personenvervoer te land
- Personenvervoer te land binnen steden of voorsteden
- Exploitatie van taxi's
- Overig personenvervoer te land
- Overig vervoer van personen met autobussen,zonder dienstregeling: chartervervoer,busreizen,toeristische excursies,enz.
- Vervoer van personen met door dieren getrokken voertuigen
- Organisatie van carpooling en van overage
- Goederenvervoer over de weg en verhuisbedrijven
- Vervoer via pijpleidingen
- Opslag en vervoerondersteunende activiteiten
- Posterijen en koeriers
- Horeca
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Steenweg op Brussel 149 registered office 1780 Wemmel | 02-10-2023 | 2.350.440.553 |
Buildings and parcels at the address
- Ground area
- 891 m²
- Buildings
- 557 m²
- Volume, LiDAR
- 7,442 m³
- Tallest building
- 16.6 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 22662B0532/00D000 | 891 m² | 1 · 557 m² | 16.6 m · 5 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 1000.575.685