BUJAK CONSTRUCT
ActiveThe computed 12-month bankruptcy probability of BUJAK CONSTRUCT is 1.9% (moderate). The 2025 annual accounts show equity of €79k and a net result of €15k. Equity is growing by ~21.7% per year across the filed fiscal years. Its solvency ranks better than 84% of 7760 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability56▲+2
Solvency100▲+12
Growth52=
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 3.62 against 2.57 in 2024; short-term debt: 24.1% and cash: 0.1% of total assets), and 24.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
Sector 43
higher
← 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
75.9%
Return on assets
14.6%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
29 d early
2024
20 d late
2023
77 d late
2022
70 d late
2021
78 d late
2020
17 d late
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€79k▲ 23.9%
2024 · €63k
2020: €29k
2021: €41k
2022: €44k
2023: €50k
2024: €63k
2020 → 2025
Total assets
€104k▲ 3.0%
2024 · €101k
2020: €89k
2021: €77k
2022: €109k
2023: €89k
2024: €101k
2020 → 2025
Net result
€15k▲ 12.8%
2024 · €13k
2020: €50k
2021: €13k
2022: €2k
2023: €6k
2024: €13k
2020 → 2025
Working capital
€65k▲ 12.4%
2024 · €58k
2020: €27k
2021: €39k
2022: €39k
2023: €43k
2024: €58k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€41k-€44k▲ 5.6%€50k▲ 14.6%€63k▲ 26.9%€79k▲ 23.9%
Operating result€28k-€18k▼ 36.0%€26k▲ 41.8%€34k▲ 32.8%€38k▲ 11.8%
Net result€13k-€2k▼ 81.9%€6k▲ 176%€13k▲ 112%€15k▲ 12.8%
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 2022 the operating result has climbed three years in a row; 2025 is 12% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €104k
Fixed assets
€13k▲ 153%
Current assets
€91k▼ 5.2%
Equity and liabilities €104k
Equity
€79k▲ 23.9%
Debt
€25k▼ 32.7%
The debt ratio falls from 36.9% to 24.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€42k▲
2024 · €37k
Cash flow
€19k▲
2024 · €17k
Solvency
75.9%▲
2024 · 63.1%
Current ratio
3.62▲
2024 · 2.57
Quick ratio
3.62▲
2024 · 2.57
Debt / equity
0.32▼
2024 · 0.59
ROE
19.3%▼
2024 · 21.2%
ROA
14.6%▲
2024 · 13.4%
Interest coverage
2.23▲
2024 · 2.22
Debt
€25k▼
2024 · €37k
Debt ≤ 1 year
€25k▼
2024 · €37k
Income taxes
€8k▼
2024 · €8k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€101k€104k▲
Fixed assets21/28€5k€13k▲
Tangible fixed assets22/27€5k€13k▲
Furniture and vehicles24€5k€13k▲
Current assets29/58€95k€91k▼
Amounts receivable within one year40/41€84k€85k▲
Trade receivables40€4k€14k▲
Other amounts receivable41€80k€70k▼
Current investments50/53-€6k
Cash at bank and in hand54/58€11k€55▼
Equity and liabilities
Total equity and liabilities10/49€101k€104k▲
Equity10/15€63k€79k▲
Contributions10/11€200€200=
Outside capital11-€200
Other1109/19-€200
Reserves13€20€20=
Non-distributable reserves130/1€20€20=
Reserves not available under the articles1311€20€20=
Profit (loss) carried forward14€63k€78k▲
Amounts payable17/49€37k€25k▼
Amounts payable within one year42/48€37k€25k▼
Trade debts44€20k€10k▼
Suppliers440/4€20k€10k▼
Taxes, remuneration and social security45€17k€15k▼
Taxes450/3€11k€15k▲
Remuneration and social security454/9€6k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€4k€1k▼
Gross operating margin9900€41k€43k▲
Operating profit (loss)9901€34k€38k▲
Financial income75/76B€4k€3k▼
Recurring financial income75€4k€3k▼
Financial charges65/66B€17k€19k▲
Recurring financial charges65€17k€19k▲
Profit (loss) for the period before taxes9903€21k€23k▲
Income taxes67/77€8k€8k▼
Profit (loss) for the period9904€13k€15k▲
Profit (loss) for the period to be appropriated9905€13k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€63k€78k▲
Profit (loss) brought forward from the previous period14P€50k€63k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
16-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 77 days late
2023
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
2022
31-12
Financial
Weakest financial yearnet €2k ▼81.9%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 78 days late
2021
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Asse · 1 establishment unit since 2020
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Ortolaanstraat 41731 AsseGround area
1,043 m²
Building footprint
228 m²
Volume, LiDAR
988 m³
2 parcels, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BUJAK CONSTRUCT
since 20202.306.142.930
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23068A0333/00F000 | Flanders | 554 m² | 1 · 122 m² | 4.5 m · 1 fl. |
| 23095C0193/00B014 | Flanders | 489 m² | 1 · 106 m² | 8.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
ZULD CONSTRUCT
BE 0648.983.943
Anderlecht · Eq €79k
L22 CONSTRUCT
BE 0747.759.142
Waterloo · Eq €79k
B.K. TECH
BE 0707.640.338
Sint-Joost-ten-Node · Eq €79k
ALG RENO
BE 0698.678.924
Antwerpen · Eq €79k
Iso Chape
BE 0808.588.238
Brussel · Eq €79k
Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 6,240 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-04-2020
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43995Specialised construction activities
43422Screed work
43999Specialised construction activities
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.