DJ CONSTRUCT
ActiveThe computed 12-month bankruptcy probability of DJ CONSTRUCT is 2.1% (moderate). The 2025 annual accounts show equity of €80k and a net result of €-6k. Equity is growing by ~12.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 7293 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
60
/ 100
Healthy▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
balance sheet total too small for a liquidity verdict, and 0.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
2122232425
2021 to 2025 · latest year -€6k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
2 d early
2024
8 d early
2023
1 d early
2022
3 d early
2021
2 d early
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€80k▼ 7.0%
2024 · €86k
2021: €33k
2022: €70k
2023: €93k
2024: €86k
2021 → 2025
Total assets
€80k▼ 9.5%
2024 · €88k
2021: €93k
2022: €111k
2023: €106k
2024: €88k
2021 → 2025
Net result
€-6k▲ 15.8%
2024 · €-7k
2021: €28k
2022: €37k
2023: €23k
2024: €-7k
2021 → 2025
Working capital
€75k▼ 5.7%
2024 · €80k
2021: €373
2022: €44k
2023: €85k
2024: €80k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€33k-€70k▲ 114%€93k▲ 32.7%€86k▼ 7.7%€80k▼ 7.0%
Operating result€41k-€55k▲ 34.1%€33k▼ 40.6%€-6k€-5k▲ 14.8%
Net result€28k-€37k▲ 35.1%€23k▼ 38.7%€-7k€-6k▲ 15.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5k in 2025 against €6k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €80k
Fixed assets
€5k▼ 24.2%
Current assets
€76k▼ 8.4%
Equity and liabilities €80k
Equity
€80k▼ 7.0%
Debt
€133▼ 94.6%
The debt ratio falls from 2.8% to 0.2%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€-3k▲
2024 · €-4k
Cash flow
€-5k▲
2024 · €-5k
Solvency
99.8%▲
2024 · 97.2%
Debt / equity
0.00▼
2024 · 0.03
ROE
-7.5%▲
2024 · -8.3%
ROA
-7.5%▲
2024 · -8.1%
Interest coverage
-2.89▼
2024 · -2.68
Debt
€133▼
2024 · €2k
Debt ≤ 1 year
€133▼
2024 · €2k
Income taxes
€67▼
2024 · €73
A ratio outside any meaningful range has been withheld (balance sheet total €80k, equity €80k).
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€88k€80k▼
Fixed assets21/28€6k€5k▼
Tangible fixed assets22/27€6k€5k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€2k€2k▼
Current assets29/58€82k€76k▼
Amounts receivable within one year40/41€7k€43k▲
Trade receivables40-€26k
Other amounts receivable41€7k€17k▲
Cash at bank and in hand54/58€73k€32k▼
Deferred charges and accrued income490/1€3k-
Equity and liabilities
Total equity and liabilities10/49€88k€80k▼
Equity10/15€86k€80k▼
Contributions10/11€5k€5k=
Reserves13€75k€75k=
Distributable reserves133€75k€75k=
Profit (loss) carried forward14€6k€-191▼
Amounts payable17/49€2k€133▼
Amounts payable within one year42/48€2k€133▼
Trade debts44€2k-
Suppliers440/4€2k-
Taxes, remuneration and social security45€639€133▼
Taxes450/3€639€133▼
Income statement
Code20242025
Remuneration, social security and pensions62€12k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€10k€-2k▼
Operating profit (loss)9901€-6k€-5k▲
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€-7k€-6k▲
Income taxes67/77€73€67▼
Profit (loss) for the period9904€-7k€-6k▲
Profit (loss) for the period to be appropriated9905€-7k€-6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€-191▼
Profit (loss) brought forward from the previous period14P€13k€6k▼
The notes to these accounts (4 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity times 17current ratio 567.75
Current ratio from 33.20 to 567.75; short-term debt falls from €2k to €133.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-7k ▼131%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 33.20
Current ratio from 7.41 to 33.20; short-term debt falls from €13k to €2k.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity quadruplescurrent ratio 7.41
Current ratio from 2.09 to 7.41; short-term debt falls from €41k to €13k.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2021net €37k ▲35.1%
Operating result €55k, net result €37k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.09
Current ratio from 1.01 to 2.09; short-term debt falls from €60k to €41k.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Dilsen-Stokkem · 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.
Breemstraat 923650 Dilsen-StokkemGround area
1,029 m²
Building footprint
143 m²
Parcel 72007B1998/00A000, Flanders. Linked by address, not a title deed.
1 establishment unit
DJ CONSTRUCT
since 20202.307.235.664
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72007B1998/00A000 | Flanders | 1,029 m² | 1 · 143 m² | - |
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.
Similar companies · same sector, comparable size
CORDEBO
BE 0669.610.004
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ALEXMAT
BE 0433.106.186
Hoeilaart · Eq €80k
Walls Belgium
BE 1024.084.725
Antwerpen · Eq €80k
3ALJ CONSTRUCT
BE 0536.971.511
Anderlecht · Eq €80k
KM GROEP
BE 0727.706.173
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Of 2,429 companies in sector 41003 we hold annual accounts for 1,047. 723 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-09-2020
Fiscal year end31-12
Activities, NACEBEL
41003General construction of other non-residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:jdirkx@live.be