Turnover
≈ €240,000 estimated
The micro format states no turnover.
COJ CONSTRUCT
Lifetime
1 annual account with figurespeak €40,631 (2025)
€40,631
peak €32,296 (2025)
€32,296
peak €23,296 (2025)
€23,296
€32,474
Board1 name since 2024
1 directorCÎNDEA Andreea Anca
Documentsfilings and deeds
22-05-20269 days before the deadline
2025micro format
First year with figures
Key points
from the 2025 annual accountsStarting capital
€2,000 200 shares
Checked score
52
Fair
Financially stronger than 50% of micro companies in specialised construction (NACE 43)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.5% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,696 companies (NACE 43, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2025: 1.9%lowest value
12-2025: 1.9%● unchanged vs 11-2025lowest value
01-2026: 1.9%● unchanged vs 12-2025
02-2026: 2.3%▲ +0.4 percentage points vs 01-2026
03-2026: 2.4%▲ +0.1 percentage points vs 02-2026
04-2026: 2.7%▲ +0.3 percentage points vs 03-2026
05-2026: 2.7%● unchanged vs 04-2026
06-2026: 3.0%▲ +0.3 percentage points vs 05-2026
07-2026: 3.0%● unchanged vs 06-2026highest value
08-2026: 2.9%▼ -0.1 percentage points vs 07-2026
09-2026: 3.0%▲ +0.1 percentage points vs 08-2026
10-2026: 2.5%▼ -0.5 percentage points vs 09-2026
11-2026: 2.5%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2024
Size: total assets €55,769
Liquidity: current ratio 1.32, cash €1,847
Sector: Specialised construction activities (NACE 43)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 45% of them on solvency, 14% on liquidity and 92% on profitability.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-10-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as COJ CONSTRUCT has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of COJ CONSTRUCT itself is higher: 2.5% within 12 months. It rests on far more data about COJ CONSTRUCT than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for COJ CONSTRUCT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.32, below the usual 1.5. Short-term debt is 58.2% and cash 3.3% of total assets. 58.2% of the assets are financed with debt and provisions.
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Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
raises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-10-2025 was due by 31-05-2026 and was filed on 22-05-2026, 9 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
9 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1015703133
Incorporation
Founding capital of €2,000, 200 shares · Founder: CÎNDEA Andreea Anca · Appointment: CÎNDEA Andreea Anca (director) · published on 31-10-2024 · Gazette deed
First establishment
Mechelseweg 42, Kapelle-op-den-Bos
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| COJ CONSTRUCT Kapelle-op-den-Bos | €55,769 | €40,631 | 41.8% | - |
| CLEANING SOLUTION Sint-Pieters-Leeuw | €53,545 | €36,444 | 63.9% | - |
| RS RENOVARIS Vilvoorde | €48,124 | €38,721 | 61.2% | - |
| J&S FINITION Vilvoorde | €53,843 | €30,487 | 39.7% | - |
| RenovaWorks Aalst | €53,431 | €37,064 | 73.4% | - |
| CREPIHOME Seraing | €56,211 | €43,708 | 5.6% | - |
| 3SD CONSTRUCT Temse | €46,422 | €40,475 | 44.9% | - |
These companies have the same main activity as COJ CONSTRUCT: other building finishing work (NACE 43350). They are comparable in size and age: total assets between €46,400 and €56,200, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 29-10-2024Normal situation
- Activity
- Other building finishing workNACE 43350and 2 others
- Establishment unit
- 2.365.734.7801880 Kapelle-op-den-Bos, since 29-10-2024
- Financial year end
- 31 October
- Peppol
- Reachable since 06-01-2026
Annual accounts to 31-10-2025
- €55,769
- Filing
- Filed on 22-05-2026, 9 days before the end of the filing period
Insights on COJ CONSTRUCT
The computed 12-month bankruptcy probability of COJ CONSTRUCT is 2.5% (moderate). The 2025 annual accounts show equity of €23,296 and a net result of €32,296.
Its solvency ranks better than 44% of 35,136 sector peers (NACE 43, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about COJ CONSTRUCT
- What is the company number of COJ CONSTRUCT?
- The company number of COJ CONSTRUCT is 1015.703.133. The VAT number is the same number with BE in front: BE 1015.703.133.
- Where is COJ CONSTRUCT based?
- The registered office is at Mechelseweg 42, 1880 Kapelle-op-den-Bos.Company details
- What does COJ CONSTRUCT do?
- According to the KBO register, the main activity is other building finishing work (NACE 43350).
- What is the legal form of COJ CONSTRUCT?
- COJ CONSTRUCT is a private limited company (BV).
- When was COJ CONSTRUCT founded?
- COJ CONSTRUCT was founded on 29-10-2024.
- Is COJ CONSTRUCT still active?
- Yes, COJ CONSTRUCT is an active enterprise in the KBO register.
- What is the turnover of COJ CONSTRUCT?
- The turnover in financial year 2025 is ≈ €240,000. This figure is estimated from the gross margin of €40,631 and 88 comparable companies (NACE 433). It probably lies between €170,000 and €410,000.Financials
- Is COJ CONSTRUCT profitable?
- In financial year 2025, COJ CONSTRUCT made a profit of €32,296.
- Where can I find the annual accounts of COJ CONSTRUCT?
- COJ CONSTRUCT filed 1 annual account with the National Bank of Belgium, for financial year 2025.
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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