DCJ Construct
ActiveThe computed 12-month bankruptcy probability of DCJ Construct is 1.9% (moderate). The 2025 annual accounts show equity of €51k and a net result of €50k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 23% of 1200 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▲+17
Solvency44▲+19
Growth78=
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.4 against 0.5 in 2024; short-term debt: 60.4% and cash: 12.1% of total assets), and 81.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
18.9%
Return on assets
18.5%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 1200 sector peers (2025).
NBB · sector comparisonPosition among 1200 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 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 · 5 filingsDeviation from the deadline
2025
17 d late
2024
24 d late
2023
281 d late
2022
56 d late
2021
26 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€51k▲ 4,142%
2024 · €1k
2021: €-36k
2022: €-25k
2023: €-20k
2024: €1k
2021 → 2025
Total assets
€271k▼ 38.2%
2024 · €439k
2021: €377k
2022: €373k
2023: €430k
2024: €439k
2021 → 2025
Net result
€50k▲ 131%
2024 · €22k
2021: €-41k
2022: €11k
2023: €4k
2024: €22k
2021 → 2025
Working capital
€65k
2024 · €-98k
2021: €-144k
2022: €-86k
2023: €-108k
2024: €-98k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-36k-€-25k▲ 30.6%€-20k▲ 17.3%€1k€51k▲ 4,142%
Operating result€-28k-€17k€50k▲ 191%€29k▼ 42.6%€72k▲ 153%
Net result€-41k-€11k€4k▼ 60.6%€22k▲ 405%€50k▲ 131%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 153% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €271k
Fixed assets
€42k▼ 87.7%
Current assets
€229k▲ 136%
Equity and liabilities €271k
Equity
€51k▲ 4,142%
Debt
€220k▼ 49.8%
The debt ratio falls from 99.7% to 81.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€85k▲
2024 · €41k
Cash flow
€63k▲
2024 · €34k
Solvency
18.9%▲
2024 · 0.3%
Current ratio
1.40▲
2024 · 0.50
Quick ratio
1.40▲
2024 · 0.50
Debt / equity
4.28
ROE
97.6%
ROA
18.5%▲
2024 · 4.9%
Interest coverage
10.55▲
2024 · 5.96
Debt
€220k▼
2024 · €438k
Debt ≤ 1 year
€164k▼
2024 · €195k
Debt > 1 year
€56k▼
2024 · €243k
Income taxes
€14k▲
2024 · €4
Staff costs
€121k▲
2024 · €88k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€439k€271k▼
Fixed assets21/28€342k€42k▼
Tangible fixed assets22/27€342k€42k▼
Land and buildings22€326k-
Plant, machinery and equipment23€927€32k▲
Furniture and vehicles24€15k€10k▼
Current assets29/58€97k€229k▲
Amounts receivable within one year40/41€94k€196k▲
Trade receivables40€88k€192k▲
Other amounts receivable41€7k€4k▼
Cash at bank and in hand54/58€2k€33k▲
Equity and liabilities
Total equity and liabilities10/49€439k€271k▼
Equity10/15€1k€51k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€-4k€46k▲
Amounts payable17/49€438k€220k▼
Amounts payable after more than one year17€243k€56k▼
Financial debts170/4€243k€56k▼
Amounts payable within one year42/48€195k€164k▼
Current portion of amounts payable after more than one year42€25k€6k▼
Trade debts44€92k€129k▲
Suppliers440/4€92k€129k▲
Taxes, remuneration and social security45€20k€19k▼
Taxes450/3€16k€14k▼
Remuneration and social security454/9€4k€5k▲
Other amounts payable47/48€59k€9k▼
Income statement
Code20242025
Non-recurring operating income76A€261€24k▲
Remuneration, social security and pensions62€88k€121k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€13k▲
Other operating charges640/8€4k€2k▼
Gross operating margin9900€134k€207k▲
Operating profit (loss)9901€29k€72k▲
Financial income75/76B€57€1▼
Recurring financial income75€57€1▼
Financial charges65/66B€7k€8k▲
Recurring financial charges65€7k€8k▲
Profit (loss) for the period before taxes9903€22k€64k▲
Income taxes67/77€4€14k▲
Profit (loss) for the period9904€22k€50k▲
Profit (loss) for the period to be appropriated9905€22k€50k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€46k▲
Profit (loss) brought forward from the previous period14P€-25k€-4k▲
Social balance
Average headcount (FTE)90871.62.1▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 17 days late
2025
31-12
Financial
Highest result since 2021net €50k ▲131%
Operating result €72k, net result €50k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 1.40
Current ratio from 0.50 to 1.40; short-term debt falls from €195k to €164k.
24-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 24 days late
08-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 281 days late
2023
25-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 56 days late
2022
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Aalst · 1 establishment unit since 2020
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.
Haaltertstraat 249320 AalstGround area
936 m²
Building footprint
113 m²
Volume, LiDAR
18 m³
Parcel 41047B1055/00B000, Flanders · tallest building 3.8 m. Linked by address, not a title deed.
1 establishment unit
DCJ Construct
since 20202.299.208.420
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41047B1055/00B000 | Flanders | 936 m² | 1 · 113 m² | 3.8 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.
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Of 21,219 companies in sector 81300 we hold annual accounts for 4,363. 3,615 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-02-2020
Fiscal year end31-12
Activities, NACEBEL
43331Floor and wall tiling
81300Landscape service activities
77310Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.