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BYGGJA

Active
Private limited companyfounded 20206 yrs activeSpoelberg(Kor) 37, 8500 Kortrijk, BelgiumKBO/BCE: BE 0740.656.663
Summary

BYGGJA has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €650,424 and a net result of €131,045. Equity is growing by ~44.4% per year across the filed fiscal years. Its solvency ranks better than 94% of 8982 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
BYGGJAActiveChecked score 97/100
Risk analysis ReportCompare

Overview

Activity
General construction of residential buildings
NACE 41001General construction of buildings NACE 41201
1 site
Size
€734,990total assets 2025
Equity
€650,424
Profit
€131,045
Turnover not published (abridged schema)
Financial health
97 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Accounts filed 12 d late0 of 1 deed read
Why 97- Sector Construction of residential and non-residential buildings (NACE 41)+ Liquidity: current ratio 10.92, cash €351,238+ Equity €650,424 (88.5% of total assets)+ Figures for FY 2025 (filed 12-08-2026)Show the evidence

Checked score

Score 2025
97 / 100
Excellent
Probability in this band: under 0.55%
Better than 84% of its sector peers (NACE 41, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 88.5% of total assets
Liquidity 100+31
short-term debt 8.4% · cash 47.8%
Profitability 91-9
return on assets 17.8%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,211 companies)
Last 24 months 11-2024: 0.3% 12-2024: 0.3%● 0.0% vs 11-2024 01-2025: 0.3%▼ -0.4% vs 12-2024 02-2025: 0.2%▼ -1.6% vs 01-2025 03-2025: 0.2%▼ -3.3% vs 02-2025 04-2025: 0.3%▲ +8.8% vs 03-2025 05-2025: 0.3%▲ +9.3% vs 04-2025 06-2025: 0.3%▲ +2.1% vs 05-2025 07-2025: 0.3%▲ +13.5% vs 06-2025 08-2025: 0.4%▲ +8.5% vs 07-2025 09-2025: 0.3%▼ -5.3% vs 08-2025 10-2025: 0.3%● 0.0% vs 09-2025 11-2025: 0.3%● 0.0% vs 10-2025 12-2025: 0.3%▲ +0.3% vs 11-2025 01-2026: 0.3%● 0.0% vs 12-2025 02-2026: 0.3%▲ +0.6% vs 01-2026 03-2026: 0.4%▲ +3.2% vs 02-2026 04-2026: 0.3%▼ -6.0% vs 03-2026 05-2026: 0.3%▼ -0.6% vs 04-2026 06-2026: 0.3%▲ +3.0% vs 05-2026 07-2026: 0.4%▲ +18.6% vs 06-2026 08-2026: 0.7%▲ +68.3% vs 07-2026highest value 09-2026: 0.1%▼ -82.7% vs 08-2026lowest value 10-2026: 0.1%● 0.0% vs 09-2026lowest value
  • Liquidity: current ratio 10.92, cash €351,238 lowers the probability
  • Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
  • Equity €650,424 (88.5% of total assets) lowers the probability
  • Figures for FY 2025 (filed 12-08-2026) lowers the probability
Credit up to €60,000 at 30 days acceptable
Liquidity ample (current ratio 10.92 against 13.59 in 2024; short-term debt: 8.4% and cash: 47.8% of total assets), and 11.5% 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 92%, liquidity 99%, profitability 76%, growth against the median 68%. 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○neutral
lowers risk · Liquidity: current ratio 10.92, cash €351,238
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Sector Construction of residential and non-residential buildings (NACE 41)
In the bankruptcy model this factor raises the probability.
KBO
lowers risk · Equity €650,424 (88.5% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 12-08-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 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 · 6 filings
Deviation from the deadline
2025
12 d late
2024
9 d early
2023
7 d early
2022
5 d early
2021
25 d late
2020
31 d early
← 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 3 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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 26 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
04-10-2026 today31-12-2026 close31-07-2027 deadline
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 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Highest result since 2020net €171,722 ▲36.3%

Key points

  • Positive: Among the best 5% on net resultsector median €8,440 · 8,974 companies €131,045 View
  • Positive: 6 profitable years in a rowprofit 2025: €131,045 6 years View
  • Positive: Equity rose in 2025from €518,664 to €650,424 ▲ 25.4% View

By topic

Financials

Fiscal year
2025
Total assets
€734,990
Profit
€131,045
Solvency
88.5%
Turnover▲ 41.8%
Net result
20202021
Go to Financials

Timeline

Events
11
Since
2021
Next accounts
by 31-07-2027
  1. 12-08-2026Annual accounts filed
  2. 22-07-2025Annual accounts filed
  3. 31-12-2024Highest result since 2020
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
General construction of residential buildingsNACE 41001
Founded
02-01-2020
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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