BJD DELTA
ActiveSummary
The computed 12-month bankruptcy probability of BJD DELTA is 3.6% (moderate). The 2025 annual accounts show equity of €35,762 and a net result of €12,834. Equity is growing by ~4.8% per year across the filed fiscal years. Its solvency ranks better than 66% of 7940 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability95▲+16
Solvency83▼-17
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
3.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,500 at 30 days acceptable
Liquidity ample (current ratio 1.9 against 2.42 in 2024; short-term debt: 41.9% and cash: 33.3% of total assets), and 41.9% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
58.1%
Return on assets
20.8%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 5 filingsDeviation from the deadline
2025
28 d late
2024
22 d early
2023
1 d early
2022
on the day
2021
3 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average on the deadline day; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
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. Usually files around 31 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€35,762▲ 12.0%
2024 · €31,928
Total assets
€61,575▲ 48.8%
2024 · €41,389
Net result
€12,834▲ 283%
2024 · €3,348
Working capital
€23,250▲ 73.4%
2024 · €13,407
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€10,870-€1,256▼ 88.4%-€499€3,563€20,253▲ 468%
Net result€8,692within the sector's middle half-€1,119within the sector's middle half▼ 87.1%-€1,231below the sector's middle half€3,348within the sector's middle half€12,834within the sector's middle half▲ 283%
Equity€28,692within the sector's middle half-€29,811within the sector's middle half▲ 3.9%€28,580within the sector's middle half▼ 4.1%€31,928within the sector's middle half▲ 11.7%€35,762below the sector's middle half▲ 12.0%
Total assets€60,378below the sector's middle half-€48,325below the sector's middle half▼ 20.0%€39,883below the sector's middle half▼ 17.5%€41,389below the sector's middle half▲ 3.8%€61,575below the sector's middle half▲ 48.8%
Debt€31,686-€18,514▼ 41.6%€11,303▼ 38.9%€9,461▼ 16.3%€25,813▲ 173%
Working capital€28,692within the sector's middle half-€29,811within the sector's middle half▲ 3.9%€4,050below the sector's middle half▼ 86.4%€13,407within the sector's middle half▲ 231%€23,250within the sector's middle half▲ 73.4%
Solvency47.5%within the sector's middle half-61.7%within the sector's middle half▲ 14.2pp71.7%above the sector's middle half▲ 10.0pp77.1%above the sector's middle half▲ 5.5pp58.1%within the sector's middle half▼ 19.1pp
Current ratio1.91within the sector's middle half-2.61within the sector's middle half▲ 0.701.36within the sector's middle half▼ 1.252.42within the sector's middle half▲ 1.061.90within the sector's middle half▼ 0.52
Return on assets (ROA)14.4%within the sector's middle half-2.3%within the sector's middle half▼ 12.1pp-3.1%below the sector's middle half▼ 5.4pp8.1%within the sector's middle half▲ 11.2pp20.8%above the sector's middle half▲ 12.8pp
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 468% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €61,575
Fixed assets
€12,512 ▼ 32.4%
Current assets
€49,063 ▲ 115%
Equity and liabilities €61,575
Equity
€35,762 ▲ 12.0%
Debt
€25,813 ▲ 173%
Debt's share of the balance-sheet total rises from 22.9% to 41.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€26,262▲
2024 · €9,572
Cash flow
€18,843▲
2024 · €9,357
Debt to equity
0.72▲
2024 · 0.30
ROE
35.9%▲
2024 · 10.5%
Interest coverage
113.73▲
2024 · 39.11
Debt ≤ 1 year
€25,813▲
2024 · €9,461
Income taxes
€7,187
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 3.6% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 26,975 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €31,345 | €5,458 | €31,386 | €21,092 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,000 | - | €5,515 | €6,009 | €6,009 | = |
| Other operating charges640/8 | €177 | €215 | €1,874 | €1,212 | €1,584 | ▲ 30.7% |
| Gross operating margin9900 | €43,393 | €6,929 | €38,275 | €31,875 | €27,846 | ▼ 12.6% |
| Operating profit (loss)9901 | €10,870 | €1,256 | -€499 | €3,563 | €20,253 | ▲ 468% |
| Financial income75/76B | €3 | €1 | €1 | €30 | €0 | ▼ 100.0% |
| Recurring financial income75 | €3 | €1 | €1 | €30 | €0 | ▼ 100.0% |
| Financial charges65/66B | €7 | €138 | €190 | €245 | €231 | ▼ 5.7% |
| Recurring financial charges65 | €7 | €138 | €190 | €245 | €231 | ▼ 5.7% |
| Profit (loss) for the period before taxes9903 | €10,865 | €1,119 | -€688 | €3,348 | €20,022 | ▲ 498% |
| Income taxes67/77 | €2,173 | - | €543 | - | €7,187 | - |
| Profit (loss) for the period9904 | €8,692 | €1,119 | -€1,231 | €3,348 | €12,834 | ▲ 283% |
| Profit (loss) for the period to be appropriated9905 | €8,692 | €1,119 | -€1,231 | €3,348 | €12,834 | ▲ 283% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €60,378 | €48,325 | €39,883 | €41,389 | €61,575 | ▲ 48.8% |
| Fixed assets21/28 | - | - | €24,530 | €18,521 | €12,512 | ▼ 32.4% |
| Tangible fixed assets22/27 | - | - | €24,530 | €18,521 | €12,512 | ▼ 32.4% |
| Furniture and vehicles24 | - | - | €24,530 | €18,521 | €12,512 | ▼ 32.4% |
| Current assets29/58 | €60,378 | €48,325 | €15,353 | €22,868 | €49,063 | ▲ 115% |
| Amounts receivable within one year40/41 | €7,978 | €10,002 | €8,533 | €22,139 | €28,546 | ▲ 28.9% |
| Trade receivables40 | €6,184 | €10,002 | €8,000 | €18,647 | €12,954 | ▼ 30.5% |
| Other amounts receivable41 | €1,794 | - | €533 | €3,492 | €15,592 | ▲ 347% |
| Cash at bank and in hand54/58 | €52,400 | €38,323 | €6,821 | €730 | €20,517 | ▲ 2,712% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €60,378 | €48,325 | €39,883 | €41,389 | €61,575 | ▲ 48.8% |
| Equity10/15 | €28,692 | €29,811 | €28,580 | €31,928 | €35,762 | ▲ 12.0% |
| Contributions10/11 | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Capital10 | €20,000 | €20,000 | - | - | - | - |
| Issued capital100 | €20,000 | €20,000 | - | - | - | - |
| Outside capital11 | - | - | €20,000 | €20,000 | €20,000 | = |
| Other1109/19 | - | - | €20,000 | €20,000 | €20,000 | = |
| Profit (loss) carried forward14 | €8,692 | €9,811 | €8,580 | €11,928 | €15,762 | ▲ 32.1% |
| Amounts payable17/49 | €31,686 | €18,514 | €11,303 | €9,461 | €25,813 | ▲ 173% |
| Amounts payable within one year42/48 | €31,686 | €18,514 | €11,303 | €9,461 | €25,813 | ▲ 173% |
| Trade debts44 | €543 | €3,492 | €1,562 | €2,590 | €11,822 | ▲ 356% |
| Suppliers440/4 | €543 | €3,492 | €1,562 | €2,590 | €11,822 | ▲ 356% |
| Advances received on contracts in progress46 | €17,458 | - | - | €763 | - | - |
| Taxes, remuneration and social security45 | €6,085 | €6,889 | €3,020 | €4,700 | €6,341 | ▲ 34.9% |
| Taxes450/3 | €2,007 | €3,181 | €317 | - | €6,341 | - |
| Remuneration and social security454/9 | €4,078 | €3,708 | €2,703 | €4,700 | - | - |
| Other amounts payable47/48 | €7,600 | €8,133 | €6,721 | €1,408 | €7,650 | ▲ 443% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €8,692 | €1,119 | -€1,231 | €3,348 | €12,834 | ▲ 283% |
| + Depreciation and write-downs630 | €1,000 | - | €5,515 | €6,009 | €6,009 | = |
| Operating cash flow (approximation) | €9,693 | €1,119 | €4,284 | €9,357 | €18,843 | ▲ 101% |
| Investment in fixed assets (approximation) | - | - | - | €0 | €0 | - |
| Change in cash | - | -€14,077 | -€31,503 | -€6,091 | €19,787 | ▲ 425% |
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
31-12
Financial
Highest result since 2021net €12,834 ▲283%
Operating result €20,253, net result €12,834, both a record.
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €3,348
Net result €3,348 after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet -€1,231
Net result drops to -€1,231, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Anderlecht · 1 establishment unit since 2021
Ground area
378 m²
Building footprint
342 m²
Volume, LiDAR
2,990 m³
2 parcels, Brussels · tallest building 21.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BJD DELTA
since 20212.312.522.362
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21523B0939/00S101 | Brussels | 299 m² | 1 · 262 m² | 21.6 m · 3 fl. |
| 21306C0236/00F003 | Brussels | 79 m² | 1 · 79 m² | 9.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 15,524 companies in sector 43990 we hold annual accounts for 7,427. 5,838 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
Founded06-01-2021
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
43211General electrical installation work
43221Plumbing work
43350Other building finishing work
43410Roofing work
E-invoicing
Reachable via Peppol
Peppol ID
0208:0760929960
Also
9925:BE0760929960
Registered
03-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.