CJC CONSTRUCT

Active

Private limited companyfounded 20197 yrs activeWinkel 110, 1780 Wemmel, BelgiumKBO/BCE: BE 0729.526.607

Summary

The computed 12-month bankruptcy probability of CJC CONSTRUCT is 2.7% (moderate). The annual accounts of CJC CONSTRUCT for fiscal year 2025 show a net loss of 78% of the equity at the start of that year. The 2025 annual accounts show equity of €7,975 and a net result of -€28,875. Equity is growing by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 16% of 9010 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

CJC CONSTRUCTActiveChecked score 49/100

Risk analysis Report Compare

Activity

General construction of residential buildings

NACE 41001General construction of other non-residential buildings NACE 41003General construction of buildings NACE 41201

1 site

Size

€110,288total assets 2025

Staff: 1 FTE
Equity: €7,975
Loss: -€28,875

Turnover not published (abridged schema)

Financial health

49 Fair Checked score 2025

Bankruptcy chance 12 m: 2.7%

Structure

Holdings: 1

Accounts 9 d early0 of 3 deeds read

Why 49- Sector Construction of residential and non-residential buildings (NACE 41)- Founded in 2019- Loss of €28,875 (FY 2025)+ Size: total assets €110,288Show the evidence

Checked score

Score 2025

49 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 8% 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

Weak

Solvency 32-68

equity 7.2% of total assets

Liquidity 4-59

short-term debt 92.8% · cash 3.5%

Profitability 0-37

return on assets -26.2%

Bankruptcy probability, 12 months

2.7% Moderate

0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,373 companies)

Last 24 months 11-2024: 4.8% 12-2024: 5.8%▲ +19.9% vs 11-2024highest value 01-2025: 4.0%▼ -31.0% vs 12-2024 02-2025: 4.0%▲ +0.6% vs 01-2025 03-2025: 4.7%▲ +17.6% vs 02-2025 04-2025: 1.5%▼ -67.4% vs 03-2025 05-2025: 1.5%● 0.0% vs 04-2025 06-2025: 1.5%▼ -2.2% vs 05-2025 07-2025: 1.5%● 0.0% vs 06-2025 08-2025: 1.5%● 0.0% vs 07-2025 09-2025: 1.3%▼ -16.8% vs 08-2025lowest value 10-2025: 1.4%▲ +9.7% vs 09-2025 11-2025: 1.5%▲ +8.3% vs 10-2025 12-2025: 1.5%▼ -2.4% vs 11-2025 01-2026: 1.5%▼ -0.4% vs 12-2025 02-2026: 1.6%▲ +11.0% vs 01-2026 03-2026: 2.8%▲ +75.8% vs 02-2026 04-2026: 2.8%● 0.0% vs 03-2026 05-2026: 2.8%● 0.0% vs 04-2026 06-2026: 2.8%● 0.0% vs 05-2026 07-2026: 2.8%● 0.0% vs 06-2026 08-2026: 2.7%▼ -3.0% vs 07-2026 09-2026: 2.7%▼ -1.7% vs 08-2026 10-2026: 2.7%● 0.0% vs 09-2026

Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
Size: total assets €110,288 lowers the probability for this profile
Founded in 2019 raises the probability for this profile
Loss of €28,875 (FY 2025) raises the probability

No publishable credit limit; credit only on tighter terms

Net loss of at least half of total assets or of the equity at the start of the financial year.

Liquidity short (current ratio 0.96 against 3.07 in 2024; short-term debt: 92.8% and cash: 3.5% of total assets), and 92.8% 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 16%, liquidity 6%, profitability 5%, growth against the median 7%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. 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.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Sector Construction of residential and non-residential buildings (NACE 41)

In the bankruptcy model this factor raises the probability.

KBO

Size: total assets €110,288

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Founded in 2019

In the bankruptcy model this factor raises the probability for this profile.

KBO

Loss of €28,875 (FY 2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 9010 sector peers (2025).

NBB · sector comparison

Position among 9010 sector peers

Solvency

better than 16%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-07-2025 was due by 28-02-2026 and was filed on 19-02-2026, 9 days ahead of the deadline.

NBB · 6 filings

Deviation from the deadline

2025

9 d early

2024

7 d late

2023

52 d early

2022

34 d early

2021

12 d early

2020

3 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 17 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)

The next deadline is still running

The next financial year closes on 31-07-2026 and is due by 28-02-2027. Nothing is late today. Usually files around 16 February (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

31-07-2026 close06-10-2026 today28-02-2027 deadline

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

19-02-26 Annual accounts filedfiscal year 2025 · micro…
31-07-25 Weakest financial yearnet -€28,875
07-03-25 Annual accounts filedfiscal year 2024 · micro…

Key points

Caution: Among the weakest 6% on net resultsector median €8,440 · 9,002 companies -€28,875 View
Total assets 20256 fiscal years filed €110,288 View
Active since 2019founded 28-06-2019 7 years View