CSJ-Bouw
ActiveCSJ-Bouw has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €63k and a net result of €949. Equity is growing by ~19.1% per year across the filed fiscal years. Its solvency ranks better than 86% of 9982 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability70=
Solvency100▲+11
Growth52=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 4.3 against 2.6 in 2023; short-term debt: 20.7% and cash: 43.1% of total assets), and 22.2% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
77.8%
Return on assets
1.2%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-07-2025, 7 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
7 d early
2023
33 d early
2022
33 d early
2021
34 d early
2020
92 d early
2019
31 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€63k▲ 1.5%
2023 · €62k
2019: €16k
2020: €31k
2021: €49k
2022: €61k
2023: €62k
2019 → 2024
Total assets
€81k▼ 16.3%
2023 · €97k
2019: €52k
2020: €110k
2021: €114k
2022: €114k
2023: €97k
2019 → 2024
Net result
€949▼ 11.4%
2023 · €1k
2019: €9k
2020: €15k
2021: €18k
2022: €13k
2023: €1k
2019 → 2024
Working capital
€56k▲ 5.6%
2023 · €53k
2019: €228
2020: €19k
2021: €41k
2022: €51k
2023: €53k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€31k-€49k▲ 57.5%€61k▲ 26.1%€62k▲ 1.7%€63k▲ 1.5%
Operating result€20k-€22k▲ 12.0%€18k▼ 21.3%€4k▼ 75.6%€2k▼ 44.1%
Net result€15k-€18k▲ 16.3%€13k▼ 28.6%€1k▼ 91.5%€949▼ 11.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2024 is 44% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €81k
Fixed assets
€9k▼ 23.3%
Current assets
€72k▼ 15.3%
Equity and liabilities €81k
Equity
€63k▲ 1.5%
Debt
€18k▼ 48.2%
The debt ratio falls from 35.8% to 22.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€10k▼
2023 · €16k
Cash flow
€8k▼
2023 · €12k
Solvency
77.8%▲
2023 · 64.2%
Current ratio
4.30▲
2023 · 2.60
Quick ratio
2.71▲
2023 · 2.57
Debt / equity
0.28▼
2023 · 0.56
ROE
1.5%▼
2023 · 1.7%
ROA
1.2%▲
2023 · 1.1%
Interest coverage
10.33▼
2023 · 11.93
Debt
€18k▼
2023 · €35k
Debt ≤ 1 year
€17k▼
2023 · €33k
Income taxes
€1k▼
2023 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€97k€81k▼
Fixed assets21/28€12k€9k▼
Tangible fixed assets22/27€12k€9k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€8k€6k▼
Current assets29/58€85k€72k▼
Stocks and contracts in progress3€861€27k▲
Stocks30/36€861€5k▲
Contracts in progress37-€22k
Amounts receivable within one year40/41€19k€6k▼
Trade receivables40€19k€303▼
Other amounts receivable41-€5k
Cash at bank and in hand54/58€58k€35k▼
Deferred charges and accrued income490/1€8k€5k▼
Equity and liabilities
Total equity and liabilities10/49€97k€81k▼
Equity10/15€62k€63k▲
Contributions10/11€6k€6k=
Reserves13€56k€57k▲
Distributable reserves133€56k€57k▲
Amounts payable17/49€35k€18k▼
Amounts payable after more than one year17€698-
Financial debts170/4€698-
Amounts payable within one year42/48€33k€17k▼
Current portion of amounts payable after more than one year42€10k€698▼
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Taxes, remuneration and social security45€18k€14k▼
Taxes450/3€18k€14k▼
Other amounts payable47/48€2k-
Accrued charges and deferred income492/3€1k€1k=
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€7k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€17k€11k▼
Operating profit (loss)9901€4k€2k▼
Financial income75/76B€70€937▲
Recurring financial income75€70€937▲
Financial charges65/66B€1k€945▼
Recurring financial charges65€1k€945▼
Profit (loss) for the period before taxes9903€3k€2k▼
Income taxes67/77€2k€1k▼
Profit (loss) for the period9904€1k€949▼
Profit (loss) for the period to be appropriated9905€1k€949▼
Appropriation of the result
Profit (loss) to be appropriated9906€1k€949▼
Transfer to equity691/2€1k€949▼
To other reserves6921€1k€949▼
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
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €949 ▼11.4%
Net result drops to €949, the lowest in the series.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2019net €18k ▲16.3%
Operating result €22k, net result €18k, both a record.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are 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, Heusden-Zolder · 1 establishment unit since 2018
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.
Speelhof 73550 Heusden-ZolderGround area
506 m²
Building footprint
104 m²
Volume, LiDAR
1 m³
Parcel 71502C0728/00V000, Flanders · tallest building 0.6 m. Linked by address, not a title deed.
1 establishment unit
CSJ-Bouw
since 20182.277.754.790
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71502C0728/00V000 | Flanders | 506 m² | 1 · 104 m² | 0.6 m |
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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 2 entries · 645 EUR awarded · 645 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 315 EUR | 315 EUR |
| 2022 | 1 | 330 EUR | 330 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,810 companies in sector 41001 we hold annual accounts for 16,041. 13,192 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-07-2018
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
68121Development of residential building projects
68122Development of non-residential building projects
43310Plastering work
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.csj-bouw.be
E-mail:info@csj-bouw.be