Turnover
≈ €240,000 estimated
The micro format states no turnover.
COJ CONSTRUCT
Overview
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.
Credit check for an amount and term of your choice
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
- €40,631
- €32,296
- €23,296
- €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.
Financials
Annual accounts 2025
micro format, filed on 22-05-2026, 9 days before the deadline€40,631
€37,967
€32,296
€10,379
41.8%
1.32
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €240,000. Estimated: probably between €170,000 and €410,000.
Balance sheet
balance sheet total €55,769 on 31-10-2025What the company ownsHow it is paid for
Position in the sector
41.8%
Higher than 44% of 35,136 companies in 2025.
1.32
Higher than 34% of 34,510 companies in 2025.
57.9%
Higher than 95% of 34,711 companies in 2025.
COJ CONSTRUCT
Middle half of the sector
80% of the sector
Micro accounts in specialised construction (NACE 43)
Net result: top quarter · Equity: middle half · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
55,769 | |
21/28 |
12,917 | |
22/27 |
12,917 | |
24 |
12,917 | |
29/58 |
42,853 | |
40/41 |
40,521 | |
40 |
24,918 | |
41 |
15,603 | |
54/58 |
1,847 | |
490/1 |
484 | |
| Balance sheet: equity and liabilities | ||
10/49 |
55,769 | |
10/15 |
23,296 | |
10/11 |
0 | |
14 |
23,296 | |
17/49 |
32,474 | |
42/48 |
32,474 | |
44 |
17,560 | |
440/4 |
17,560 | |
45 |
5,913 | |
450/3 |
5,913 | |
47/48 |
9,000 | |
| Income statement | ||
9900 |
40,631 | |
630 |
2,583 | |
640/8 |
80 | |
9901 |
37,967 | |
75/76B |
406 | |
75 |
406 | |
65/66B |
164 | |
65 |
164 | |
9903 |
38,209 | |
67/77 |
5,913 | |
9904 |
32,296 | |
9905 |
32,296 | |
| Appropriation of the result | ||
9906 |
32,296 | |
694/7 |
9,000 | |
695 |
9,000 | |
| Document | ||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 22-05-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-10-2025 | micro format | 22-05-2026 | 2026-00127442 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 40,551 | ||
| 34,879 | ||
| 15,500 | ||
| 10,379 | ||
| 41.8% | ||
| 1.32 | ||
| 1.39 | ||
| 138.6% | ||
| 57.9% | ||
| over 100 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 31-10-2025 |
|---|---|
| Tangible fixed assets | €15,500 |
| €2,583 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on COJ CONSTRUCT
Debt's share of the balance-sheet total is 58.2%.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 31-10-2024
term without a fixed end
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “TITEL IV. BESTUUR - CONTROLE Artikel 10. Bestuursorgaan De vennootschap wordt bestuurd door één of meer bestuurders, natuurlijke personen of…”deed of 31-10-2024
Mandates through the years
1 name, the dashed line is todayCÎNDEA Andreea Anca
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- CÎNDEA Andreea Anca
- Director (not named in the articles), appointed by deed of 31-10-2024, still in office
Control
Capital
- Contribution
- €2,000
- Shares
- 200
- Contribution per share
- €10
- Equity per share
- €116 in 2025
- Source
- deed of 31-10-2024
Articles of association
deed of 31-10-2024 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director“Met of zonder beperking van duur, algemene vergadering die benoemt”
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Helft overdrager,helft koper(s),naar evenredigheid aantal bij meerdere kopers, geen beroep op rechter tegen weigering”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Wednesday of April at 18:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 31-10-2024 ↗
- CÎNDEA Andreea Anca 200 shares (100%) · €2,000
Network & group
No group
COJ CONSTRUCT has no parent and no holdings in its annual accounts. CÎNDEA Andreea Anca is the only director. COJ CONSTRUCT shares no director with another company.
Timeline
Timeline
4 events since 2024Filings
Establishments
202420252026
2026
Annual accounts 2025 filed NBBmicro format · 9 days before the deadline
Registered in the Peppol Directory Reachable for e-invoices through 0208:1015703133
2024
IncorporationFounding capital of €2,000, 200 shares · Founder: CÎNDEA Andreea Anca · Appointment: CÎNDEA Andreea Anca (director) · published on 31-10-20245 points ▸
- Founder, CÎNDEA Andreea Anca
- Founding capital, €2,000, 200 shares
- Registered office clause, Mechelseweg, nummer 42, 1880 Kapelle-op-den-Bos
- Board rule, 1
- Director appointment, CÎNDEA Andreea Anca (director (not named in the articles))
- The deed holds 1 more point.
First establishment Mechelseweg 42, Kapelle-op-den-Bos
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1015.703.133
- VAT number
- BE 1015.703.133
- Peppol ID
- 0208:1015703133
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 29-10-2024
- Financial year
- ends on 31 October
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Wednesday of April at 18:00deed of 31-10-2024 (in Dutch)
- Peppol
- Reachable since 06-01-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- COJ CONSTRUCT in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 31-10-2024 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 31-10-2024 (in Dutch)
Activities
NACEBEL 202543350
Other building finishing work main activity
Codes under NACEBEL 2008
43390
Specialised construction activities main activity
43995
Specialised construction activities
43999
Specialised construction activities
81220
Other building cleaning and industrial cleaning
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Alle bouwondernemingsactiviteiten in de breedste zin van het woord,het optrekken van de ruwbouw,de algemene…”deed of 31-10-2024 (in Dutch)
6 activities
- Alle bouwondernemingsactiviteiten in de breedste zin van het woord,het optrekken van de ruwbouw,de algemene bouwonderneming,bekisting,betonwapening;de coördinatie van onderaannemers,de afbraak-,vlak- en afgravingwerken,alle metsel-,voeging- en waterdichtheidwerken;alle asfalteringwerken;de montage van daken en het onderhoud ervan;het plaatsen van dakbedekking van ongeacht welk materiaal en van dakgoten en regenafvoerbuizen;alle geraamtewerken(hout- en stalconstructies,of andere);akoestische en thermische isolatie;de bekleding van wanden,vloeren,plafonds,gevels;al dan niet industriële schilderwerken;betegelen en mozaïekwerken;deklaag- en stucwerken;de montage van buiten- en binnenschrijnwerk van hout en kunststof:deuren,vensters,kozijnen,trappen,muurkasten,inbouwkeukens,winkelinrichtingen,enzovoort;de installatie van al dan niet verplaatsbare tussenwanden en de installatie van garagepoorten,luiken,zonneblinden,traliewerk,hekken,enzovoort in hout of kunststof;de natuursteen- en marmerbewerking;alle vernieuwingswerken,schoonmaakwerken;het schoorsteenvegen;het plaatsen van stellingen,ijzerwaren,smeedwerk,alle metaalwerken;alle werken van glazenmakervak,het plaatsen van ruiten,spiegels,glas-in-loodramen,het vervaardigen van doorzichtige wanden;alle sanitair- en loodgieterijwerken;de installatie van elektrische bedrading en toebehoren,van de installatie van bewakingssystemen en alarminstallaties tegen diefstal;het garneren van meubilair;de kleinhandel,de invoer en de uitvoer van constructiematerialen;alle hydraulische werken,maritieme of rivierwerken,constructie of herstelling van sluizen,stuwdammen,dijken,kanalen en kunstwerken,doorleggings-afwatering- en pompenwerken,irrigatie- en uitbaggeringwerken,créatie en onderhoud van vijvers,rivieren en beekjes;het aanleggen van wegen,fietspaden,enzovoort
- Verkoop in groot- en kleinhandel,invoer en uitvoer van:bouwmateriaal,elektrische en elektronisch materiaal,sanitaire installaties en loodgieterij,industriële machines
- Verkoop in groot- en kleinhandel,invoer en uitvoer van:alle tuinbouwartikelen zoals bloemen,planten,tuingerief,inrichting en onderhoud van tuinen en boomkwekerij
- Het schoonmaken en het onderhoud van onroerende goederen,het schoonmaken van vensters en van bureaus,kleine bureauwerkjes,interimdiensten,onderaanneming
- Het aanbieden van thuishulp van huishoudelijke aard in het kader van dienstencheques:schoonmaak van de woning met inbegrip van de ramen;wassen en strijken;occasionele kleine naaiwerken;bereiden van maaltijden;strijken in een lokaal van de onderneming alsook activiteiten verricht buiten het huis van de gebruiker zoals onder andere boodschappendienst,mindermobielencentra voor bejaarden en strijkateliers
- De algemene schoonheidsverzorging beoefenen zoals manicure,pedicure,massage,gelaatsverzorging,zonder dat deze lijst beperkt kan worden geïnterpreteerd
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Mechelseweg 42 registered office 1880 Kapelle-op-den-Bos | 29-10-2024 | 2.365.734.780 |
Buildings and parcels at the address
- Ground area
- 1,050 m²
- Buildings
- 218 m²
- Volume, LiDAR
- 1,284 m³
- Tallest building
- 8.7 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 23039A0051/00E002 | 1,050 m² | 1 · 218 m² | 8.7 m · 3 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 1015.703.133