Investments
€18,328 6.7 × depreciation
Green is investment, beige is depreciation.
BENJI CONSTRUCT
Overview
Lifetime
3 annual accounts with figures on one time axispeak €29,723 (2025)
€29,723▲ €32,306
lowest -€5,284 (2024)
€20,396▲ €25,679
peak €18,691 (2025)
€18,691▲ €20,396
€15,722▲ 69.1%
Board1 name since 2023
1 directorMEMEDOSKA Fatime
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Gross margin from -€2,583 to €29,723Back to profit: €20,396Equity from -€1,705 to €18,691Debts from €9,297 to €15,722Investments €15,832Cash from €2,108 to €4,204
Key points
from the 2025 annual accountsChecked score
52
Fair
Financially stronger than 73% 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: 3.1%
01-2025: 3.1%● unchanged vs 12-2024lowest value
02-2025: 3.1%● unchanged vs 01-2025
03-2025: 3.1%● unchanged vs 02-2025
04-2025: 3.6%▲ +0.5 percentage points vs 03-2025
05-2025: 4.1%▲ +0.5 percentage points vs 04-2025
06-2025: 4.1%● unchanged vs 05-2025
07-2025: 4.2%▲ +0.1 percentage points vs 06-2025
08-2025: 5.3%▲ +1.1 percentage points vs 07-2025
09-2025: 5.1%▼ -0.2 percentage points vs 08-2025
10-2025: 5.1%● unchanged vs 09-2025
11-2025: 5.0%▼ -0.1 percentage points vs 10-2025
12-2025: 5.0%● unchanged vs 11-2025
01-2026: 5.0%● unchanged vs 12-2025
02-2026: 5.0%● unchanged vs 01-2026
03-2026: 4.9%▼ -0.1 percentage points vs 02-2026
04-2026: 5.6%▲ +0.7 percentage points vs 03-2026
05-2026: 6.0%▲ +0.4 percentage points vs 04-2026
06-2026: 5.9%▼ -0.1 percentage points vs 05-2026
07-2026: 6.1%▲ +0.2 percentage points vs 06-2026
08-2026: 7.0%▲ +0.9 percentage points vs 07-2026highest value
09-2026: 4.3%▼ -2.7 percentage points vs 08-2026
10-2026: 3.8%▼ -0.5 percentage points vs 09-2026
11-2026: 3.1%▼ -0.7 percentage points vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2023
Size: total assets €34,413
Sector: Construction of residential and non-residential buildings (NACE 41)
Last filed accounts filed 31 days late; 3 of the last 3 accounts late
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 63% of them on solvency, 41% on liquidity, 91% on profitability and 99% 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 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 BENJI CONSTRUCT 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 BENJI CONSTRUCT itself is higher: 3.1% within 12 months. It rests on far more data about BENJI CONSTRUCT than the profile alone.
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 39,278 companies, not a prediction for BENJI 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 €500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.06 (0.32 in 2024), below the usual 1.5. Short-term debt is 45.5% and cash 12.2% of total assets. 45.7% 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.
raises risk
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 3 filingsDeviation from the deadline
2025
31 days late
2024
31 days late
2023
31 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 31 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 next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 August (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- MEMEDOSKI Bexhet 50 sharesdeed of 07-03-2023
- MEMEDOSKA Fatime 50 sharesdeed of 07-03-2023
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0799153603
Registered office moved from Vilvoorde to Brussels
New registered office: Emile Bockstaellaan 384 1020 Brussel · Previous registered office: Mechelsesteenweg 332 1800 Vilvoorde · General meeting of 12-09-2024 · Gazette deed
Incorporation
Founding capital of €3,000, 100 shares · Founders: MEMEDOSKI Bexhet and MEMEDOSKA Fatime · Appointment: MEMEDOSKA Fatime (director) · published on 07-03-2023 · Gazette deed
First establishment
Emile Bockstaellaan 384, Brussels
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BENJI CONSTRUCT Brussels | - | - | 54.3% | - |
| MA CONSTRUCT Wingene | €70,173 | 39.3% | 69.4% | - |
| MG TECH Antwerp | - | - | 24.4% | - |
| MULLER CONSTRUCTION Bertrix | - | - | 67.4% | - |
| RIFACTOR Drogenbos | - | - | 68.0% | - |
| Deco Renovation SP Zaventem | €37,513 | 68.1% | 64.4% | - |
| EMV Construct Kraainem | €62,215 | 8.3% | 11.1% | - |
These companies have the same main activity as BENJI CONSTRUCT: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €32,700 and €39,200, founded between 2022 and 2023.
Official details
Source: KBO- Status
- Active since 03-03-2023Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 4 others
- Establishment unit
- 2.342.604.0421020 Brussels, since 03-03-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 02-12-2025
Annual accounts 2025
- €29,723
- ≈ €210,000estimated
- €20,396
- €18,691
- €34,413▲ 353%
- Filing
- Filed on 31-08-2026
Insights on BENJI CONSTRUCT
BENJI CONSTRUCT files the micro format. That format states no turnover. The gross margin rose from €1,835 in 2023 to €29,723 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 31-08-2026, 31 days late€29,723
▲ €32,306
€24,644
▲ €29,865
€20,396
▲ €25,679
€1,017
▲ €7,357
54.3%
▲ 76.8 percentage points
1.06
▲ 0.75
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €210,000. Estimated: probably between €110,000 and €370,000.
Balance sheet
balance sheet total €34,413 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
54.3%
Higher than 62% of 9,462 companies in 2025.
1.06
Higher than 25% of 9,210 companies in 2025.
59.3%
Higher than 95% of 9,282 companies in 2025.
BENJI CONSTRUCT
Middle half of the sector
80% of the sector
Micro accounts in construction of buildings (NACE 41)
Net result: middle half · Equity: middle half · Balance sheet total: bottom quarter · Working capital: bottom quarter
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet: assets | ||||
20/58 |
34,413 | 7,592 | 10,885 | |
21/28 |
17,742 | 4,635 | 6,968 | |
22/27 |
17,742 | 4,635 | 6,968 | |
24 |
17,742 | 4,635 | 6,968 | |
29/58 |
16,671 | 2,957 | 3,917 | |
40/41 |
11,909 | 346 | 508 | |
40 |
11,909 | - | - | |
41 |
- | 346 | 508 | |
54/58 |
4,204 | 2,108 | 2,982 | |
490/1 |
559 | 503 | 427 | |
| Balance sheet: equity and liabilities | ||||
10/49 |
34,413 | 7,592 | 10,885 | |
10/15 |
18,691 | -1,705 | 3,579 | |
10/11 |
3,000 | 3,000 | 3,000 | |
14 |
15,691 | -4,705 | 579 | |
17/49 |
15,722 | 9,297 | 7,307 | |
42/48 |
15,654 | 9,297 | 7,307 | |
44 |
407 | 233 | 206 | |
440/4 |
407 | 233 | 206 | |
46 |
- | - | 348 | |
45 |
7,187 | - | 145 | |
450/3 |
7,187 | - | 145 | |
47/48 |
8,060 | 9,063 | 6,608 | |
492/3 |
69 | - | - | |
| Income statement | ||||
9900 |
29,723 | -2,583 | 1,835 | |
630 |
2,725 | 2,333 | 1,112 | |
640/8 |
850 | 305 | - | |
66A |
1,504 | - | - | |
9901 |
24,644 | -5,221 | 723 | |
75/76B |
- | - | 2 | |
75 |
- | - | 2 | |
65/66B |
150 | 62 | 2 | |
65 |
150 | 62 | 2 | |
9903 |
24,494 | -5,284 | 723 | |
67/77 |
4,098 | - | 145 | |
9904 |
20,396 | -5,284 | 579 | |
9905 |
20,396 | -5,284 | 579 | |
| Appropriation of the result | ||||
9906 |
15,691 | -4,705 | 579 | |
14P |
-4,705 | 579 | - | |
| Social balance sheet | ||||
Hours worked1013 |
- | 0 | - | |
| Document | ||||
The notes to these accounts have 7 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 31-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 31 days after the deadline. Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00466660.
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| 27,368 | -2,888 | 1,835 | ||
| 23,120 | -2,950 | 1,691 | ||
| 18,328 | 0 | 7,000 | ||
| 2,096 | -874 | - | ||
| 1,017 | -6,340 | -3,390 | ||
| 54.3% | -22.5% | 32.9% | ||
| 1.06 | 0.32 | 0.54 | ||
| 0.84 | - | 2.04 | ||
| 109.1% | - | 16.2% | ||
| 59.3% | -69.6% | 5.3% | ||
| over 100 | -46.53 | over 100 |
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.
Social balance sheet
| Item | 31-12-2024 |
|---|---|
| Employees at the balance-sheet date | 0 |
| full-time | 0 |
| part-time | 0 |
Source: social balance sheet in the 2024 annual accounts
Investments
fixed assets acquired| Item | 2025 | 2024 | 2023 |
|---|---|---|---|
| Tangible fixed assets | €18,328 | - | €7,000 |
| €2,725 | €2,333 | €1,112 |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
Insights on BENJI CONSTRUCT
The operating result for 2025 is a profit of €24,644, after a loss of €5,221 in 2024. It is the highest result since 2023.
Debt's share of the balance-sheet total is 45.7%.
Board & ownership
Board
1 director, since incorporationDirector
since 03-03-2023
term without a fixed end
listed in the 2025 annual accounts, filed on 31-08-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 07-03-2023
Mandates through the years
1 name, the dashed line is todayMEMEDOSKA Fatime
Director
Director
Board
Mandates as a list
- MEMEDOSKA Fatime
- Director, from 03-03-2023 to date
Control
Founders
MEMEDOSKI Bexhet, MEMEDOSKA Fatime
This company
BENJI CONSTRUCT
Equity €18,691
Profit €20,396 in 2025
Capital
- Contribution
- €3,000
- Shares
- 100
- Contribution per share
- €30
- Equity per share
- €187 in 2025
- Source
- deed of 07-03-2023
Articles of association
deed of 07-03-2023 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Helft overdrager en helft koper(s) naar evenredigheid aantal aandelen, elke overdracht onder levenden,ten bezwarende of kosteloze…”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Thursday of May at 18:00
Shareholders
At incorporation
deed of 07-03-2023 ↗
- MEMEDOSKI Bexhet 50 shares (50%) · €1,500
- MEMEDOSKA Fatime 50 shares (50%) · €1,500
Network & group
No group
BENJI CONSTRUCT has no parent and no holdings in its annual accounts. MEMEDOSKA Fatime is the only director. BENJI CONSTRUCT shares no director with another company.
Timeline
Timeline
10 events since 2023Filings
Financial
Establishments
Address
2023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 31 days late
2025
Back to profit net €20,396 The net result is €20,396, after one loss-making year.
Liquidity more than triples current ratio 1.06 The current ratio rises from 0.32 to 1.06.
Registered in the Peppol Directory Reachable for e-invoices through 0208:0799153603
Annual accounts 2024 filed PDFmicro format · 31 days late
2024
Weakest financial year net -€5,284 The net result drops to -€5,284, the lowest from 2023 to 2025. It recovers the following year.
Registered office moved from Vilvoorde to BrusselsNew registered office: Emile Bockstaellaan 384 1020 Brussel · Previous registered office: Mechelsesteenweg 332 1800 Vilvoorde · General meeting of 12-09-20242 points ▸
- General meeting, 12-09-2024
- Registered-office move, Emile Bockstaellaan 384 1020 Brussel
Annual accounts 2023 filed PDFmicro format · 31 days late
2023
IncorporationFounding capital of €3,000, 100 shares · Founders: MEMEDOSKI Bexhet and MEMEDOSKA Fatime · Appointment: MEMEDOSKA Fatime (director) · published on 07-03-20236 points ▸
- Founder, MEMEDOSKI Bexhet (comparant)
- Founder, MEMEDOSKA Fatime (comparant)
- Registered office clause, Mechelsesteenweg 332, 1800 Vilvoorde
- Founding capital, €3,000, 100 shares
- Board rule, 1
- Director appointment, MEMEDOSKA Fatime
- The deed holds 2 more points.
First establishment Emile Bockstaellaan 384, Brussels
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
BENJI CONSTRUCT was incorporated on 3 March 2023 as a private limited company by two natural persons, with a starting capital of €3,000.12 The registered office was moved to Brussels in 2024.3 Since 2023, MEMEDOSKA Fatime has served as director.4 Total assets rose from €10,885 in 2023 to €34,413 in 2025.5
Company details
Identity
- Enterprise number
- 0799.153.603
- VAT number
- BE 0799.153.603
- Peppol ID
- 0208:0799153603
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 03-03-2023
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Thursday of May at 18:00deed of 07-03-2023 (in Dutch)
- Peppol
- Reachable since 02-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- BENJI CONSTRUCT in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 07-03-2023 (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 07-03-2023 (in Dutch)
Activities
NACEBEL 202541001
General construction of residential buildings main activity
43221
Plumbing work
43230
Insulation installation
Codes under NACEBEL 2008
41201
General construction of buildings main activity
43211
Specialised construction activities
43221
Plumbing
43291
Specialised construction activities
43390
Specialised construction activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Alle bouwondernemingsactiviteiten in de breedste zin van het woord,het optrekken van de ruwbouw,de algemene…”deed of 07-03-2023 (in Dutch)
7 activities
- Alle bouwondernemingsactiviteiten in de breedste zin van het woord,het optrekken van de ruwbouw,de algemene bouwonderneming,bekisting,betonwapening;de coördinatie van onderaannemers,de afbraak-,vlak- en afgravingwerken,alle metsel-,voeging- en waterdichtheidwerken;alle asfalteringwerken;de montage van daken en het onderhoud ervan;het plaatsen van dakbedekking van ongeacht welk materiaal en van dakgoten en regenafvoerbuizen;alle geraamtewerken (hout- en stalconstructies,of andere);akoestische en thermische isolatie;de bekleding van wanden,vloeren,plafonds,gevels;al dan niet industriële schilderwerken;betegelen en mozaïekwerken;deklaag- en stucwerken;de montage van buiten- en binnenschrijnwerk van hout en kunststof:deuren,vensters,kozijnen,trappen,muurkasten,inbouwkeukens,winkelinrichtingen,enzovoort;de installatie van al dan niet verplaatsbare tussenwanden en de installatie van garagepoorten,luiken,zonneblinden,traliewerk,hekken,enzovoort in hout of kunststof;de natuursteen- en marmerbewerking;alle vernieuwingswerken,schoonmaakwerken;het schoorsteenvegen;het plaatsen van stellingen,ijzerwaren,smeedwerk,alle metaalwerken;alle werken van glazenmakervak,het plaatsen van ruiten,spiegels,glas-in-loodramen,het vervaardigen van doorzichtige wanden;alle sanitair- en loodgieterijwerken;de installatie van elektrische bedrading en toebehoren,van de installatie van bewakingssystemen en alarminstallaties tegen diefstal;het garneren van meubilair;de kleinhandel,de invoer en de uitvoer van constructiematerialen;alle hydraulische werken,maritieme of rivierwerken,constructie of herstelling van sluizen,stuwdammen,dijken,kanalen en kunstwerken,doorleggings-afwatering- en pompenwerken,irrigatie- en uitbaggeringwerken,creatie en onderhoud van vijvers,rivieren en beekjes;het aanleggen van wegen,fietspaden,enzovoort;
- Het schoonmaken en het onderhoud van onroerende goederen,het schoonmaken van vensters en van bureaus,kleine bureauwerkjes,interimdiensten,onderaanneming.Het aanbieden van thuishulp van huishoudelijke aard in het kader van dienstencheques:schoonmaak van de woning met inbegrip van de ramen;wassen en strijken;occasionele kleine naaiwerken;bereiden van maaltijden;strijken in een lokaal van de onderneming alsook activiteiten verricht buiten het huis van de gebruiker zoals onder andere boodschappendienst,mindermobielencentra voor bejaarden en strijkateliers;
- Bouwmateriaal,elektrische en elektronisch materiaal,sanitaire installaties en loodgieterij,industriële machines;
- Alle tuinbouwartikelen zoals bloemen,planten,tuingerief,inrichting en onderhoud van tuinen en boomkwekerij;
- Alle huishoudartikelen,audio,video,elektronica,telecommunicatie,boeken en tijdschriften.
- Elke activiteit die betrekking heeft op
- Verkoop in groot- en kleinhandel,invoer en uitvoer van
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Emile Bockstaellaan 384 registered office 1020 Brussels | 03-03-2023 | 2.342.604.042 |
1 former office
- Mechelsesteenweg 332, 1800 Vilvoorde until 12-09-2024 · deed of 08-11-2024
Buildings and parcels at the address
- Ground area
- 131 m²
- Buildings
- 67 m²
- Volume, LiDAR
- 789 m³
- Tallest building
- 14.6 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 21816C0042/00H009 | 131 m² | 1 · 67 m² | 14.6 m · 4 |
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 0799.153.603