DJF CONSTRUCT
ActiveThe computed 12-month bankruptcy probability of DJF CONSTRUCT is 2.0% (moderate). The 2025 annual accounts show equity of €59k and a net result of €687. Equity is growing by ~17.7% per year across the filed fiscal years. Its solvency ranks better than 81% of 7431 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-30
Solvency98▲+13
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 3.67 against 2.46 in 2024; short-term debt: 27.2% and cash: 41% of total assets), and 27.2% 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 41
Relative position
BE, all sectors
reference
Sector 41
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
72.8%
Return on assets
0.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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
25 d late
2024
29 d late
2023
19 d late
2022
31 d late
2021
9 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, micro schema
Equity
€59k▲ 1.2%
2024 · €58k
2021: €34k
2022: €31k
2023: €34k
2024: €58k
2021 → 2025
Total assets
€81k▼ 16.2%
2024 · €97k
2021: €104k
2022: €63k
2023: €61k
2024: €97k
2021 → 2025
Net result
€687▼ 98.6%
2024 · €48k
2021: €32k
2022: €-3k
2023: €3k
2024: €48k
2021 → 2025
Working capital
€59k▲ 5.3%
2024 · €56k
2021: €32k
2022: €26k
2023: €29k
2024: €56k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€34k-€31k▼ 7.6%€34k▲ 9.5%€58k▲ 71.9%€59k▲ 1.2%
Operating result€41k-€-1k€6k€57k▲ 887%€2k▼ 96.2%
Net result€32k-€-3k€3k€48k▲ 1,550%€687▼ 98.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 96% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €81k
Equity
€59k▲ 1.2%
Debt
€22k▼ 42.5%
The debt ratio falls from 39.7% to 27.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€4k▼
2024 · €63k
Cash flow
€3k▼
2024 · €55k
Solvency
72.8%▲
2024 · 60.3%
Current ratio
3.67▲
2024 · 2.46
Quick ratio
3.22▲
2024 · 2.46
Debt / equity
0.37▼
2024 · 0.66
ROE
1.2%▼
2024 · 82.9%
ROA
0.8%▼
2024 · 50.0%
Interest coverage
5.97▼
2024 · 43.19
Debt
€22k▼
2024 · €38k
Debt ≤ 1 year
€22k▼
2024 · €38k
Income taxes
€737▼
2024 · €7k
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€97k€81k▼
Fixed assets21/28€2k-
Tangible fixed assets22/27€2k-
Furniture and vehicles24€2k-
Current assets29/58€95k€81k▼
Stocks and contracts in progress3-€10k
Stocks30/36-€10k
Amounts receivable within one year40/41€17k€38k▲
Trade receivables40€17k€24k▲
Other amounts receivable41€814€13k▲
Cash at bank and in hand54/58€76k€33k▼
Deferred charges and accrued income490/1€1k€320▼
Equity and liabilities
Total equity and liabilities10/49€97k€81k▼
Equity10/15€58k€59k▲
Contributions10/11€2k€2k=
Outside capital11€2k-
Other1109/19€2k-
Reserves13€56k€57k▲
Distributable reserves133€56k€57k▲
Profit (loss) carried forward14€26€27▲
Amounts payable17/49€38k€22k▼
Amounts payable within one year42/48€38k€22k▼
Current portion of amounts payable after more than one year42€4k-
Trade debts44€3k€16k▲
Suppliers440/4€3k€16k▲
Advances received on contracts in progress46€9k€6k▼
Taxes, remuneration and social security45€14k€781▼
Taxes450/3€14k€781▼
Other amounts payable47/48€9k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€2k▼
Other operating charges640/8€529€421▼
Gross operating margin9900€64k€5k▼
Operating profit (loss)9901€57k€2k▼
Financial charges65/66B€1k€747▼
Recurring financial charges65€1k€747▼
Profit (loss) for the period before taxes9903€55k€1k▼
Income taxes67/77€7k€737▼
Profit (loss) for the period9904€48k€687▼
Profit (loss) for the period to be appropriated9905€48k€687▼
Appropriation of the result
Profit (loss) to be appropriated9906€48k€712▼
Profit (loss) brought forward from the previous period14P-€26
Transfer to equity691/2€24k€685▼
To other reserves6921€24k€685▼
Profit to be distributed694/7€24k-
Directors or managers695€24k-
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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2021net €48k ▲1550%
Operating result €57k, net result €48k, both a record.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €-3k ▼108%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Brunehaut · 1 establishment unit since 2021
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 Aimoncamps(RON) 167623 BrunehautGround area
673 m²
Building footprint
138 m²
Volume, LiDAR
823 m³
Parcel 57070C0442/00K000, Wallonia · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DJF CONSTRUCT
since 20212.313.244.320
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57070C0442/00K000 | Wallonia | 673 m² | 1 · 138 m² | 7.5 m · 2 fl. |
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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BE 0826.448.314
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ENTREPRISE ROUET MICHAEL
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RUSU SORIN CONSTRUCT
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 13,180 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-01-2021
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41003General construction of other non-residential buildings
43120Site preparation
43990Other specialised construction activities
43995Specialised construction activities
43999Specialised construction 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.