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BPJ CONSTRUCTION

Active
Private limited companyfounded 200323 yrs activeVichaurue,St-Mard 2, 6762 Virton, BelgiumKBO/BCE: BE 0863.822.513
Summary

The computed 12-month bankruptcy probability of BPJ CONSTRUCTION is 4.2% (elevated). The 2024 annual accounts show equity of €125,447 and a net result of €27,962. Equity is growing by ~26.6% per year across the filed fiscal years. Its solvency ranks better than 49% of 9971 sector peers (fiscal year 2024). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
BPJ CONSTRUCTIONActiveChecked score 49/100
Risk analysis ReportCompare

Overview

Activity
General construction of residential buildings
NACE 41001General construction of buildings NACE 41201
1 site
Size
€205,717turnover 2024
Equity
€125,447
Profit
€27,962
Financial health
49 Fair Checked score 2024
Bankruptcy chance 12 m
4.2%
Structure
Accounts 64 d overdue0 of 4 deeds read
Why 49- 1 financial year not filed after the legal deadline; latest accounts 242 days late; 3 of the last 3 late- Figures for FY 2024 (filed 02-04-2026)- Size: turnover €205,717, total assets €303,181+ Founded in 2003Show the evidence

Checked score

Score 2024
49 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 62% of its sector peers (NACE 41, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2023
Strong
Solvency 66+7
equity 41.4% of total assets
Liquidity 55=
short-term debt 20.8% · cash 9.3%
Profitability 87+11
return on assets 9.2%
Bankruptcy probability, 12 months
4.2% Elevated
0%0.5%1.5%4%10%≥ 25%

About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.6% (13,187 companies)
Last 24 months 11-2024: 2.1%lowest value 12-2024: 2.7%▲ +31.1% vs 11-2024 01-2025: 5.1%▲ +86.9% vs 12-2024 02-2025: 5.1%● 0.0% vs 01-2025 03-2025: 5.2%▲ +2.5% vs 02-2025 04-2025: 4.9%▼ -6.2% vs 03-2025 05-2025: 4.9%● 0.0% vs 04-2025 06-2025: 4.9%● 0.0% vs 05-2025 07-2025: 4.9%● 0.0% vs 06-2025 08-2025: 6.9%▲ +41.2% vs 07-2025 09-2025: 6.9%● 0.0% vs 08-2025 10-2025: 7.9%▲ +13.6% vs 09-2025 11-2025: 7.9%▲ +0.7% vs 10-2025highest value 12-2025: 7.9%● 0.0% vs 11-2025highest value 01-2026: 7.9%● 0.0% vs 12-2025highest value 02-2026: 7.9%● 0.0% vs 01-2026highest value 03-2026: 7.9%● 0.0% vs 02-2026highest value 04-2026: 7.9%● 0.0% vs 03-2026highest value 05-2026: 2.6%▼ -67.0% vs 04-2026 06-2026: 2.5%▼ -5.4% vs 05-2026 07-2026: 2.4%▼ -1.2% vs 06-2026 08-2026: 3.2%▲ +30.8% vs 07-2026 09-2026: 3.5%▲ +8.6% vs 08-2026 10-2026: 4.2%▲ +21.2% vs 09-2026
  • 1 financial year not filed after the legal deadline; latest accounts 242 days late; 3 of the last 3 late raises the probability
  • Figures for FY 2024 (filed 02-04-2026) raises the probability
  • Founded in 2003 lowers the probability for this profile
  • Size: turnover €205,717, total assets €303,181 raises the probability for this profile
Credit up to €6,000 at 30 days only on tighter terms
Liquidity tight (current ratio 1.29 against 1.37 in 2023; short-term debt: 20.8% and cash: 9.3% of total assets), and 58.6% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 41, micro). Better than this share of them on solvency 49%, liquidity 59%, profitability 71%, growth against the median 70%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
raises risk · 1 financial year not filed after the legal deadline; latest accounts 242 days late; 3 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · Figures for FY 2024 (filed 02-04-2026)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Founded in 2003
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Size: turnover €205,717, total assets €303,181
In the bankruptcy model this factor raises the probability for this profile.
NBB · annual accounts
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 30-03-2026, 242 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 · 10 filings
Deviation from the deadline
2025
not confirmed
2024
242 d late
2023
624 d late
2022
57 d late
2021
95 d late
2020
164 d late
2019
25 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 201 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2023 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Highest result since 2018net €27,962 ▲56.8%

Key points

  • Caution: Accounts not fileddeadline was 31-07-2026 64 d late View
  • Positive: 6 profitable years in a rowprofit 2024: €27,962 6 years View
  • Turnover 2024first fiscal year filed €205,717 View

By topic

Financials

Fiscal year
2024
Turnover
€205,717
Profit
€27,962
Solvency
41.4%
Go to Financials

Timeline

Events
13
Since
2016
  1. 16-04-2026Annual accounts filed
  2. 30-03-2026Annual accounts filed
  3. 31-12-2024Highest result since 2018
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
General construction of residential buildingsNACE 41001
Founded
20-06-2003
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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