B.J. CONSTRUCT FACADE
ActiveSummary
The computed 12-month bankruptcy probability of B.J. CONSTRUCT FACADE is 1.9% (moderate). The 2025 annual accounts show equity of €85k and a net result of €-25k. Equity is growing by ~17.4% per year across the filed fiscal years. Its solvency ranks better than 69% of 27965 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-88
Solvency90▲+3
Growth58▼-16
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 2.01 against 2.32 in 2024; short-term debt: 35.1% and cash: 30.6% of total assets), and 35.1% 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 · 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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
64.9%
Return on assets
-19.4%
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 07-09-2026, 38 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
38 d late
2024
42 d late
2023
68 d late
2022
52 d late
2021
36 d late
2020
7 d late
2019
25 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€89k▲ 10.4%
2019 · €81k
2019: €81k
2020: €89k▲ +10.4% vs 2019
2019 → 2020
EBIT margin
26.3%▼ 4.0pp
2019 · 30.2%
2019: 30.2%
2020: 26.3%▼ -13.1% vs 2019
2019 → 2020
Net result
€-25k
2024 · €27k
2018: €6k
2019: €15k▲ +128% vs 2018
2020: €17k▲ +17.7% vs 2019
2021: €37k▲ +116% vs 2020highest in 8 years
2022: €9k▼ -75.0% vs 2021
2023: €-7k▼ -173% vs 2022
2024: €27k▲ +505% vs 2023
2025: €-25k▼ -193% vs 2024lowest in 8 years
2018 → 2025
Working capital
€46k▼ 47.9%
2024 · €89k
2018: €9klowest in 8 years
2019: €11k▲ +23.3% vs 2018
2020: €34k▲ +194% vs 2019
2021: €78k▲ +132% vs 2020
2022: €90k▲ +14.9% vs 2021highest in 8 years
2023: €68k▼ -24.0% vs 2022
2024: €89k▲ +30.9% vs 2023
2025: €46k▼ -47.9% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€81k-€90k▲ 11.5%€83k▼ 7.6%€110k▲ 33.1%€85k▼ 23.0%
2021: €81klowest in 5 years
2022: €90k▲ +11.5% vs 2021
2023: €83k▼ -7.6% vs 2022
2024: €110k▲ +33.1% vs 2023highest in 5 years
2025: €85k▼ -23.0% vs 2024
Operating result€47k-€15k▼ 68.5%€-6k€39k€-26k
2021: €47khighest in 5 years
2022: €15k▼ -68.5% vs 2021
2023: €-6k▼ -139% vs 2022
2024: €39k▲ +786% vs 2023
2025: €-26k▼ -166% vs 2024lowest in 5 years
Net result€37k-€9k▼ 75.0%€-7k€27k€-25k
2021: €37khighest in 5 years
2022: €9k▼ -75.0% vs 2021
2023: €-7k▼ -173% vs 2022
2024: €27k▲ +505% vs 2023
2025: €-25k▼ -193% vs 2024lowest in 5 years
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €26k after €39k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €131k
Fixed assets
€39k ▲ 81.6%
Current assets
€92k ▼ 41.1%
Equity and liabilities €131k
Equity
€85k ▼ 23.0%
Debt
€46k ▼ 32.1%
Debt's share of the balance-sheet total falls from 38.0% to 35.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-19k▼
2024 · €45k
Cash flow
€-18k▼
2024 · €33k
Current ratio
2.01▼
2024 · 2.32
Debt to equity
0.54▼
2024 · 0.61
ROE
-30.0%▼
2024 · 24.9%
ROA
-19.4%▼
2024 · 15.4%
Interest coverage
-110.10▼
2024 · 265.58
Debt ≤ 1 year
€46k▼
2024 · €68k
Income taxes
€-520▼
2024 · €12k
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 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€178k€131k▼
Fixed assets21/28€21k€39k▲
Tangible fixed assets22/27€21k€39k▲
Plant, machinery and equipment23€9k€7k▼
Furniture and vehicles24€12k€31k▲
Current assets29/58€157k€92k▼
Amounts receivable within one year40/41€68k€51k▼
Trade receivables40€60k€45k▼
Other amounts receivable41€8k€6k▼
Cash at bank and in hand54/58€88k€40k▼
Deferred charges and accrued income490/1€519€1k▲
Equity and liabilities
Total equity and liabilities10/49€178k€131k▼
Equity10/15€110k€85k▼
Contributions10/11€6k€6k=
Reserves13€882€882=
Non-distributable reserves130/1€882€882=
Reserves not available under the articles1311€882€882=
Profit (loss) carried forward14€103k€78k▼
Amounts payable17/49€68k€46k▼
Amounts payable within one year42/48€68k€46k▼
Trade debts44€33k€29k▼
Suppliers440/4€33k€29k▼
Taxes, remuneration and social security45€26k€11k▼
Taxes450/3€12k€11k▼
Remuneration and social security454/9€14k-
Other amounts payable47/48€9k€6k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€7k▲
Other operating charges640/8€8k€1k▼
Gross operating margin9900€52k€-17k▼
Operating profit (loss)9901€39k€-26k▼
Financial charges65/66B€168€169▲
Recurring financial charges65€168€169▲
Profit (loss) for the period before taxes9903€39k€-26k▼
Income taxes67/77€12k€-520▼
Profit (loss) for the period9904€27k€-25k▼
Profit (loss) for the period to be appropriated9905€27k€-25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€103k€78k▼
Profit (loss) brought forward from the previous period14P€76k€103k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7k | €2k | €2k | €5k | €7k | ▲ 35.4% |
| Other operating charges640/8 | - | - | - | €8k | €1k | ▼ 81.5% |
| Gross operating margin9900 | €55k | €17k | €-4k | €52k | €-17k | ▼ 133% |
| Operating profit (loss)9901 | €47k | €15k | €-6k | €39k | €-26k | ▼ 166% |
| Financial charges65/66B | €212 | €165 | €159 | €168 | €169 | ▲ 0.6% |
| Recurring financial charges65 | €212 | €165 | €159 | €168 | €169 | ▲ 0.6% |
| Profit (loss) for the period before taxes9903 | €47k | €15k | €-6k | €39k | €-26k | ▼ 166% |
| Income taxes67/77 | €10k | €5k | €895 | €12k | €-520 | ▼ 104% |
| Profit (loss) for the period9904 | €37k | €9k | €-7k | €27k | €-25k | ▼ 193% |
| Profit (loss) for the period to be appropriated9905 | €37k | €9k | €-7k | €27k | €-25k | ▼ 193% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €154k | €156k | €109k | €178k | €131k | ▼ 26.5% |
| Fixed assets21/28 | €2k | - | €15k | €21k | €39k | ▲ 81.6% |
| Tangible fixed assets22/27 | €2k | - | €15k | €21k | €39k | ▲ 81.6% |
| Plant, machinery and equipment23 | €2k | - | - | €9k | €7k | ▼ 20.0% |
| Furniture and vehicles24 | - | - | €15k | €12k | €31k | ▲ 158% |
| Current assets29/58 | €152k | €156k | €94k | €157k | €92k | ▼ 41.1% |
| Amounts receivable within one year40/41 | €58k | €53k | €32k | €68k | €51k | ▼ 24.7% |
| Trade receivables40 | €51k | €42k | €17k | €60k | €45k | ▼ 25.7% |
| Other amounts receivable41 | €7k | €11k | €15k | €8k | €6k | ▼ 16.8% |
| Current investments50/53 | €94k | - | - | - | - | - |
| Cash at bank and in hand54/58 | - | €104k | €62k | €88k | €40k | ▼ 54.7% |
| Deferred charges and accrued income490/1 | - | - | - | €519 | €1k | ▲ 127% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €154k | €156k | €109k | €178k | €131k | ▼ 26.5% |
| Equity10/15 | €81k | €90k | €83k | €110k | €85k | ▼ 23.0% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €882 | €882 | €882 | €882 | €882 | = |
| Non-distributable reserves130/1 | €882 | €882 | €882 | €882 | €882 | = |
| Reserves not available under the articles1311 | €882 | €882 | €882 | €882 | €882 | = |
| Profit (loss) carried forward14 | €73k | €83k | €76k | €103k | €78k | ▼ 24.6% |
| Amounts payable17/49 | €73k | €66k | €26k | €68k | €46k | ▼ 32.1% |
| Amounts payable within one year42/48 | €73k | €66k | €26k | €68k | €46k | ▼ 32.1% |
| Trade debts44 | €23k | €20k | €16k | €33k | €29k | ▼ 12.7% |
| Suppliers440/4 | €23k | €20k | €16k | €33k | €29k | ▼ 12.7% |
| Taxes, remuneration and social security45 | €21k | €21k | €10k | €26k | €11k | ▼ 56.8% |
| Taxes450/3 | €16k | €15k | €10k | €12k | €11k | ▼ 4.5% |
| Remuneration and social security454/9 | €5k | €6k | - | €14k | - | - |
| Other amounts payable47/48 | €29k | €26k | - | €9k | €6k | ▼ 32.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €37k | €9k | €-7k | €27k | €-25k | ▼ 193% |
| + Depreciation and write-downs630 | €7k | €2k | €2k | €5k | €7k | ▲ 35.4% |
| Operating cash flow (approximation) | €44k | €12k | €-5k | €33k | €-18k | ▼ 156% |
| Investment in fixed assets (approximation) | - | - | - | €-12k | €-24k | ▼ 109% |
| Change in cash | - | - | €-41k | €26k | €-48k | ▼ 284% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
07-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 38 days late
2025
31-12
Financial
Weakest financial yearnet €-25k
Net result drops to €-25k, the lowest in the series.
11-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 42 days late
2024
31-12
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
31-12
Financial
Equity above €100kEq €110k ▲33.1%
Equity rises from €83k to €110k.
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 68 days late
2023
21-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 52 days late
2022
05-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 36 days late
2021
31-12
Financial
Highest result since 2018net €37k ▲116%
Operating result €47k, net result €37k, both a record.
07-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 7 days late
2020
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2017
13-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
07-12
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 129 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Sint-Jans-Molenbeek
Ground area
81 m²
Building footprint
100 m²
Volume, LiDAR
1,027 m³
Parcel 21012A0047/00C003, Brussels · tallest building 17.1 m, ±4 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21012A0047/00C003 | Brussels | 81 m² | 1 · 100 m² | 17.1 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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BNG CONSTRUCT
BE 0640.710.140
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Of 15,529 companies in sector 43990 we hold annual accounts for 7,420. 6,243 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded20-11-2013
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
43410Roofing work
Scores and ratios are computed by Checked and are not a credit decision.