BEJO
ActiveSummary
The computed 12-month bankruptcy probability of BEJO is 2.2% (moderate). The 2024 annual accounts show negative equity (-€98,997) and a net result of €1,273. Equity is shrinking by ~36.1% per year across the filed fiscal years. Its solvency ranks better than 5% of 36380 sector peers (fiscal year 2024). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability54▼-14
Solvency0=
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.16 against 0.24 in 2023; short-term debt: 611.8% and cash: 20.3% of total assets), and equity is negative.
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Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk
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 →
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 2024Solvency, return and age of the figures
Solvency
-511.8%
Return on assets
6.6%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 36380 sector peers (2024).
NBB · sector comparisonPosition among 36380 sector peers
Solvency
better than 5%
← weakest
strongest →
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-02-2026, 204 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
204 d late
2023
289 d late
2022
31 d late
2021
220 d late
2020
153 d late
2019
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 155 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
-€98,997▲ 1.3%
2023 · -€100,270
Total assets
€19,342▼ 40.2%
2023 · €32,370
Net result
€1,273▼ 77.5%
2023 · €5,665
Working capital
-€98,997▲ 1.3%
2023 · -€100,270
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result-€26,813-€43,306▼ 61.5%-€40,286▲ 7.0%€8,385€7,404▼ 11.7%
Net result-€33,319-€46,402▼ 39.3%-€42,222▲ 9.0%€5,665€1,273▼ 77.5%
Equity-€17,311-€63,713▼ 268%-€105,935▼ 66.3%-€100,270▲ 5.3%-€98,997▲ 1.3%
Total assets€75,649▼ 26.6%€43,183▼ 42.9%€20,079▼ 53.5%€32,370▲ 61.2%€19,342▼ 40.2%
Debt€92,960▲ 6.8%€106,896▲ 15.0%€126,013▲ 17.9%€132,640▲ 5.3%€118,339▼ 10.8%
Working capital-€29,528▼ 118%-€72,537▼ 146%-€105,935▼ 46.0%-€100,270▲ 5.3%-€98,997▲ 1.3%
Staff (FTE)1.31.8▲ 38.5%1▼ 44.4%1.4▲ 40.0%0.5▼ 64.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 12% below 2023.
Key figures and ratios
Solvency
-511.8%▼
2023 · -309.8%
Current ratio
0.16▼
2023 · 0.24
Debt to equity
-1.20▲
2023 · -1.32
ROA
6.6%▼
2023 · 17.5%
Debt ≤ 1 year
€118,339▼
2023 · €132,640
Income taxes
€1,905▲
2023 · €171
Staff costs
€47,934▲
2023 · €33,624
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,176 companies that looked in July 2024 the way this one looks now, 4.3% went bankrupt within 24 months and 89% are still going.
- Micro
- 5 to 10 years old
- negative equity
- a profit of 5% of the balance sheet or more
4.3%
went bankrupt
5.6%
stopped otherwise
89%
still going
A further 1.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,176 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €59,888 | €31,585 | €33,624 | €47,934 | ▲ 42.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €25,963 | €10,483 | €9,572 | €0 | - | - |
| Other operating charges640/8 | - | €11,330 | €1,087 | €1,811 | €3,978 | ▲ 120% |
| Gross operating margin9900 | €41,256 | €38,395 | €1,958 | €43,820 | €59,317 | ▲ 35.4% |
| Operating profit (loss)9901 | -€26,813 | -€43,306 | -€40,286 | €8,385 | €7,404 | ▼ 11.7% |
| Financial income75/76B | - | €547 | €107 | €0 | €108 | - |
| Recurring financial income75 | €7 | €547 | €107 | €0 | €108 | - |
| Financial charges65/66B | - | €3,642 | €1,553 | €2,549 | €4,333 | ▲ 70.0% |
| Recurring financial charges65 | €6,692 | €3,642 | €1,553 | €2,549 | €4,333 | ▲ 70.0% |
| Profit (loss) for the period before taxes9903 | -€33,498 | -€46,402 | -€41,732 | €5,836 | €3,179 | ▼ 45.5% |
| Income taxes67/77 | -€179 | €0 | €490 | €171 | €1,905 | ▲ 1,013% |
| Profit (loss) for the period9904 | -€33,319 | -€46,402 | -€42,222 | €5,665 | €1,273 | ▼ 77.5% |
| Profit (loss) for the period to be appropriated9905 | -€33,319 | -€46,402 | -€42,222 | €5,665 | €1,273 | ▼ 77.5% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €75,649 | €43,183 | €20,079 | €32,370 | €19,342 | ▼ 40.2% |
| Fixed assets21/28 | €20,055 | €9,572 | €0 | - | - | - |
| Intangible fixed assets21 | €19,167 | €9,167 | €0 | - | - | - |
| Tangible fixed assets22/27 | €888 | €405 | €0 | - | - | - |
| Plant, machinery and equipment23 | - | €405 | €0 | - | - | - |
| Current assets29/58 | €55,594 | €33,612 | €20,079 | €32,370 | €19,342 | ▼ 40.2% |
| Amounts receivable within one year40/41 | €50,972 | €22,150 | €20,076 | €30,155 | €11,409 | ▼ 62.2% |
| Trade receivables40 | - | €20,914 | €18,826 | €28,881 | €9,861 | ▼ 65.9% |
| Other amounts receivable41 | - | €1,235 | €1,250 | €1,274 | €1,547 | ▲ 21.5% |
| Cash at bank and in hand54/58 | €4,622 | €11,462 | €2 | €1,736 | €3,933 | ▲ 127% |
| Deferred charges and accrued income490/1 | - | - | - | €479 | €4,000 | ▲ 736% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €75,649 | €43,183 | €20,079 | €32,370 | €19,342 | ▼ 40.2% |
| Equity10/15 | -€17,311 | -€63,713 | -€105,935 | -€100,270 | -€98,997 | ▲ 1.3% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | -€25,371 | -€71,773 | -€113,995 | -€108,330 | -€107,057 | ▲ 1.2% |
| Amounts payable17/49 | €92,960 | €106,896 | €126,013 | €132,640 | €118,339 | ▼ 10.8% |
| Amounts payable after more than one year17 | €6,958 | €748 | €0 | - | - | - |
| Financial debts170/4 | - | €748 | €0 | - | - | - |
| Amounts payable within one year42/48 | €85,122 | €106,148 | €126,013 | €132,640 | €118,339 | ▼ 10.8% |
| Current portion of amounts payable after more than one year42 | - | €6,099 | €1,342 | €0 | - | - |
| Financial debts43 | - | - | €108 | €0 | - | - |
| Credit institutions430/8 | - | - | €108 | €0 | - | - |
| Trade debts44 | €42,436 | €68,319 | €46,118 | €48,347 | €771 | ▼ 98.4% |
| Suppliers440/4 | - | €68,319 | €46,118 | €48,347 | €771 | ▼ 98.4% |
| Taxes, remuneration and social security45 | - | €15,686 | €14,706 | €19,894 | €40,440 | ▲ 103% |
| Taxes450/3 | - | €2,978 | €1,393 | €12,768 | €24,460 | ▲ 91.6% |
| Remuneration and social security454/9 | - | €12,708 | €13,313 | €7,126 | €15,980 | ▲ 124% |
| Other amounts payable47/48 | - | €16,045 | €63,740 | €64,399 | €77,127 | ▲ 19.8% |
| Accrued charges and deferred income492/3 | - | €0 | - | - | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€33,319 | -€46,402 | -€42,222 | €5,665 | €1,273 | ▼ 77.5% |
| + Depreciation and write-downs630 | €25,963 | €10,483 | €9,572 | €0 | - | - |
| Operating cash flow (approximation) | -€7,356 | -€35,919 | -€32,650 | €5,665 | €1,273 | ▼ 77.5% |
| Investment in fixed assets (approximation) | - | €0 | €0 | - | - | - |
| Change in cash | - | €6,840 | -€11,460 | €1,734 | €2,197 | ▲ 26.7% |
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
2026
20-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 204 days late
2025
16-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 289 days late
2023
31-12
Financial
Back to profitnet €5,665
Net result €5,665 after 3 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
08-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 220 days late
2021
31-12
Financial
Weakest financial yearnet -€46,402
Net result drops to -€46,402, the lowest in the series; recovery starts the following year.
31-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 153 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Highest result since 2018net €6,220 ▲73.4%
Operating result €11,676, net result €6,220, both a record.
15-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 107 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Aywaille · 1 establishment unit since 2022
Ground area
4,430 m²
Building footprint
196 m²
Volume, LiDAR
1,648 m³
Parcel 62098C0378/00M000, Wallonia · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
BEJO
since 20222.327.343.665
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62098C0378/00M000 | Wallonia | 4,429 m² | 1 · 196 m² | 11.4 m · 3 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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DAKWERKEN DE CLERCK
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Of 11,141 companies in sector 43910 we hold annual accounts for 5,492. 3,641 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
Founded07-12-2017
Fiscal year end31-12
Activities, NACEBEL 2025
43910Bricklaying and masonry work
41001General construction of residential buildings
43990Other specialised construction activities
Contact
E-mail
bejo@live.be
Phone
+32495100497
E-invoicing
Reachable via Peppol
Peppol ID
0208:0685721803
Also
9925:BE0685721803
Registered
27-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.