DJ CONSTRUCTION

Active

Private limited companyfounded 20196 yrs activeRue Brûlarte(GIV) 13, 7041 Quévy, BelgiumKBO/BCE: BE 0739.980.336

The computed 12-month bankruptcy probability of DJ CONSTRUCTION is 2.7% (moderate). The 2025 annual accounts show equity of €6k and a net result of €-2k. Equity is shrinking by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 23% of 7376 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

35 / 100

Weak

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability12▼-73

Solvency42▲+3

Growth32▼-26

Track record100

Bankruptcy probability, 12 months

2.7% Moderate

0%0.5%1.5%4%10%≥ 25%

No publishable credit limit; credit only on tighter terms

Liquidity tight (current ratio 1.24 against 1.21 in 2024; short-term debt: 79.4% and cash: 15.7% of total assets), and 83.2% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Eight signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 →

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 2025

Solvency, return and age of the figures

Solvency

16.8%

Return on assets

-5.1%

Age of the figures

9 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 7376 sector peers (2025).

NBB · sector comparison

Position among 7376 sector peers

Solvency

better than 23%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 6 filings

Deviation from the deadline

2025

27 d late

2024

98 d late

2023

9 d late

2022

17 d late

2021

30 d late

2020

12 d late

← before the deadline after the deadline →

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 months

Position in the running window

18-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Turnover

€231k

EBIT margin

8.6%

Net result

€-2k

2024 · €15k

2020: €2k 2021: €-4k 2022: €427 2023: €-12k 2024: €15k

2020 → 2025

Working capital

€6k▼ 32.3%

2024 · €9k

2020: €5k 2021: €731 2022: €3k 2023: €-9k 2024: €9k

2020 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Turnover€231k

Equity€4k-€5k▲ 10.2%€-8k€7k€6k▼ 23.2%

Operating result€-3k-€5k€-9k€20k€-1k

Net result€-4k-€427€-12k€15k€-2k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2025: a loss of €1k after €20k in 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €33k

98.3%

Fixed assets €551▼ 40.6%

Current assets €33k▼ 38.1%

Equity and liabilities €33k

16.8%

83.2%

Equity €6k▼ 23.2%

Debt €28k▼ 40.4%

The debt ratio falls from 86.5% to 83.2%. Equity and debt are lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€-670▼

2024 · €20k

Cash flow

€-1k▼

2024 · €15k

Solvency

16.8%▲

2024 · 13.5%

Current ratio

1.24▲

2024 · 1.21

Quick ratio

1.24▲

2024 · 1.21

Debt / equity

4.95▼

2024 · 6.38

ROE

-30.2%▼

2024 · 206.1%

ROA

-5.1%▼

2024 · 27.9%

Interest coverage

-2.39▼

2024 · 23.61

Debt

€28k▼

2024 · €46k

Debt ≤ 1 year

€26k▼

2024 · €43k

Income taxes

€358▼

2024 · €4k

Staff costs

€5k▼

2024 · €31k

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€54k€33k▼

Fixed assets21/28€928€551▼

Tangible fixed assets22/27€565€188▼

Furniture and vehicles24€565€188▼

Financial fixed assets28€363€363=

Current assets29/58€53k€33k▼

Amounts receivable within one year40/41€49k€27k▼

Trade receivables40€24k-

Other amounts receivable41€25k€27k▲

Cash at bank and in hand54/58€10€5k▲

Deferred charges and accrued income490/1€4k€525▼

Equity and liabilities

Total equity and liabilities10/49€54k€33k▼

Equity10/15€7k€6k▼

Contributions10/11€6k€6k=

Profit (loss) carried forward14€1k€-422▼

Amounts payable17/49€46k€28k▼

Amounts payable within one year42/48€43k€26k▼

Trade debts44€39k€21k▼

Suppliers440/4€39k€21k▼

Taxes, remuneration and social security45€5k€5k▲

Taxes450/3€4k€5k▲

Remuneration and social security454/9€162€150▼

Accrued charges and deferred income492/3€3k€1k▼

Income statement Code20242025

Turnover70€231k-

Goods, raw materials, services and sundry goods60/61€166k-

Remuneration, social security and pensions62€31k€5k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€377€377=

Other operating charges640/8€14k€2k▼

Non-recurring operating charges66A-€83

Gross operating margin9900€65k€6k▼

Operating profit (loss)9901€20k€-1k▼

Financial income75/76B€0€0=

Recurring financial income75€0€0=

Financial charges65/66B€855€280▼

Recurring financial charges65€855€280▼

Profit (loss) for the period before taxes9903€19k€-1k▼

Income taxes67/77€4k€358▼

Profit (loss) for the period9904€15k€-2k▼

Profit (loss) for the period to be appropriated9905€15k€-2k▼

Appropriation of the result

Profit (loss) to be appropriated9906€1k€-422▼

Profit (loss) brought forward from the previous period14P€-14k€1k▲

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 9Financial 3Filings 6

Next filing, fiscal year 2026, expected by 31-07-2027

2026

27-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 27 days late

2025

06-11

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 98 days late

2024

31-12

Financial Back to profitnet €15k

Net result €15k after one loss-making year.

09-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 9 days late

2023

31-12

Financial Weakest financial yearnet €-12k ▼2985%

Net result drops to €-12k, the lowest in the series; recovery starts the following year.

17-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 17 days late

2022

31-12

Financial Back to profitnet €427

Net result €427 after one loss-making year.

30-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 30 days late

2021

12-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 12 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

no sitting director, no change since 2024

We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.

02-05-2024 Resigned as Director

Location & real-estate footprint

Registered office, Quévy · 1 establishment unit since 2020

establishment The establishment unit on the map

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.

Rue Brûlarte(GIV) 137041 Quévy

Ground area

1,217 m²

Building footprint

91 m²

Volume, LiDAR