CAJ CONSTRUCT
ActiveThe computed 12-month bankruptcy probability of CAJ CONSTRUCT is 4.7% (elevated). The 2024 annual accounts show equity of €57k and a net result of €54k. Its solvency ranks better than 80% of 36376 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes
Profitability100
Solvency100
Growth-
Stability67
Bankruptcy probability, 12 months
4.7%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 3.16), and 26.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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 →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-08-2025, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filingDeviation from the deadline
2024
27 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€57k
Total assets
€78k
Net result
€54k
Working capital
€44k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €78k
Fixed assets
€13k
Current assets
€65k
Equity and liabilities €78k
Equity
€57k
Debt
€21k
Debt finances 26.3% of the balance-sheet total.
Key figures and ratios
EBITDA
€70k
Cash flow
€55k
Solvency
73.7%
Current ratio
3.16
Quick ratio
3.16
Debt / equity
0.36
ROE
94.8%
ROA
69.8%
Interest coverage
108.60
Debt
€21k
Debt ≤ 1 year
€21k
Income taxes
€14k
Filed annual accounts
As filed with the NBB · 2024
Balance sheet
Code2024
Assets
Total assets20/58€78k
Fixed assets21/28€13k
Tangible fixed assets22/27€11k
Furniture and vehicles24€11k
Financial fixed assets28€2k
Current assets29/58€65k
Amounts receivable within one year40/41€38k
Trade receivables40€36k
Other amounts receivable41€2k
Cash at bank and in hand54/58€26k
Deferred charges and accrued income490/1€740
Equity and liabilities
Total equity and liabilities10/49€78k
Equity10/15€57k
Contributions10/11€3k
Profit (loss) carried forward14€54k
Amounts payable17/49€21k
Amounts payable within one year42/48€21k
Trade debts44€7k
Suppliers440/4€7k
Taxes, remuneration and social security45€14k
Taxes450/3€14k
Income statement
Code2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k
Other operating charges640/8€50
Gross operating margin9900€70k
Operating profit (loss)9901€69k
Financial income75/76B€1
Recurring financial income75€1
Financial charges65/66B€642
Recurring financial charges65€642
Profit (loss) for the period before taxes9903€68k
Income taxes67/77€14k
Profit (loss) for the period9904€54k
Profit (loss) for the period to be appropriated9905€54k
Appropriation of the result
Profit (loss) to be appropriated9906€54k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Vorst · 1 establishment unit since 2024
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.
Sint-Denijsstraat 511190 VorstGround area
545 m²
Building footprint
143 m²
Volume, LiDAR
840 m³
Parcel 21382C0269/00W003, Brussels · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CAJ CONSTRUCT
since 20242.360.542.312
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21382C0269/00W003 | Brussels | 545 m² | 1 · 143 m² | 9.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
BATI ROOF
BE 1012.699.893
Sint-Genesius-Rode · Eq €57k
TDS Isolatie
BE 0722.917.145
Gent · Eq €57k
DULEO
BE 0825.591.645
Pajottegem · Eq €57k
2R2 CONSTRUCTION
BE 0627.954.145
Rixensart · Eq €57k
D.Y. ISOLATION
BE 0477.345.908
Schaarbeek · Eq €57k
Of 4,244 companies in sector 43230 we hold annual accounts for 1,230. 1,026 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-06-2024
Fiscal year end31-12
Activities, NACEBEL
43230Insulation installation
43291Specialised construction activities
43310Plastering work
43320Joinery installation
43910Bricklaying and masonry work
43990Other specialised construction activities
43994Specialised construction activities
43995Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.