Turnover
≈ €220,000 estimated
The micro format states no turnover.
DJJ.construct
Overview
Lifetime
1 annual account with figurespeak €31,177 (2025)
€31,177
peak €29,463 (2025)
€29,463
peak €4,963 (2025)
€4,963
€32,529
Board1 name since 2024
1 directorJAROCKI Dawid
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Dividend €1,000First year with figures
Key points
from the 2025 annual accountsDebts
€32,529 87% of the balance sheet
Suppliers 5%Taxes and wages 5%Other 90%
Position in the sector
€4,963
Less equity than 83% of companies in construction of buildings. Sector median €45,544 · 9,455 companies.
2025 accounts filed 31 days after the deadline
Checked score
38
Weak
Financially stronger than 42% of micro companies in construction of buildings (NACE 41)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
4.7% Elevated
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).
About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
01-2026: 3.6%lowest value
02-2026: 3.6%● unchanged vs 01-2026lowest value
03-2026: 3.8%▲ +0.2 percentage points vs 02-2026
04-2026: 4.1%▲ +0.3 percentage points vs 03-2026
05-2026: 4.2%▲ +0.1 percentage points vs 04-2026
06-2026: 4.6%▲ +0.4 percentage points vs 05-2026
07-2026: 4.6%● unchanged vs 06-2026
08-2026: 5.0%▲ +0.4 percentage points vs 07-2026highest value
09-2026: 4.8%▼ -0.2 percentage points vs 08-2026
10-2026: 4.7%▼ -0.1 percentage points vs 09-2026
11-2026: 4.7%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Founded in 2024
Sector: Construction of residential and non-residential buildings (NACE 41)
Last filed accounts filed 31 days late; 1 of the last 3 accounts late
Size: total assets €37,493
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro). It does better than 21% of them on solvency, 14% on liquidity and 91% on profitability.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 2,390 companies had the same profile as DJJ.construct has now. Each dot stands for 6 companies, two years later.
96.6%
were still trading
2.0%
stopped another way
1.2%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of DJJ.construct itself is higher: 4.7% within 12 months. It rests on far more data about DJJ.construct than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,390 companies, not a prediction for DJJ.construct. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No publishable credit limit, so credit only on tighter terms
Liquidity is tight, with a current ratio of 1.13, below the usual 1.5. Short-term debt is 86.8% and cash 11.3% of total assets. 86.8% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
raises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 9452 sector peers (2025).
NBB · sector comparisonPosition among 9452 sector peers
Solvency
better than 21%
← weakest
strongest →
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
31 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1017845843
Incorporation
Founding capital of €1,500, 100 shares · Founder: JAROCKI Dawid · Appointment: JAROCKI Dawid (director) · published on 27-12-2024 · Gazette deed
First establishment
Dorpstraat 472, Bertem
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| DJJ.construct Bertem | - | - | 13.2% | - |
| ARTINOVATIV Bertem | €125,610 | 29.9% | 59.4% | - |
| MAXEL CONSTRUCT Wezembeek-Oppem | €151,152 | 18.5% | 56.1% | - |
| A. Bek Diest | - | - | 76.4% | - |
| ROST GROUP Kapelle-op-den-Bos | - | - | 58.8% | - |
| LGL CHAUFFAGE Kraainem | - | - | 63.5% | - |
| TFC CONCEPT Sint-Pieters-Leeuw | - | - | 22.7% | - |
These companies have the same main activity as DJJ.construct: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €36,200 and €42,900, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 23-12-2024Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 3 others
- Establishment unit
- 2.368.118.4083061 Bertem, since 23-12-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 05-12-2025
Insights on DJJ.construct
The computed 12-month bankruptcy probability of DJJ.construct is 4.7% (elevated). The 2025 annual accounts show equity of €4,963 and a net result of €29,463.
Its solvency ranks better than 21% of 9,452 sector peers (NACE 41, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 31-08-2026, 31 days late€31,177
€30,776
€29,463
€4,381
13.2%
1.13
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €220,000. Estimated: probably between €120,000 and €390,000.
Balance sheet
balance sheet total €37,493 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
13.2%
Higher than 21% of 9,452 companies in 2025.
1.13
Higher than 29% of 9,200 companies in 2025.
78.6%
Higher than 95% of 9,272 companies in 2025.
DJJ.construct
Middle half of the sector
80% of the sector
Micro accounts in construction of buildings (NACE 41)
Net result: top quarter · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
37,493 | |
21/28 |
582 | |
22/27 |
582 | |
23 |
582 | |
29/58 |
36,910 | |
40/41 |
32,663 | |
40 |
29,000 | |
41 |
3,663 | |
54/58 |
4,247 | |
| Balance sheet: equity and liabilities | ||
10/49 |
37,493 | |
10/15 |
4,963 | |
10/11 |
1,500 | |
14 |
3,463 | |
17/49 |
32,529 | |
42/48 |
32,529 | |
44 |
1,725 | |
440/4 |
1,725 | |
45 |
1,555 | |
450/3 |
1,555 | |
47/48 |
29,249 | |
| Income statement | ||
9900 |
31,177 | |
630 |
148 | |
66A |
254 | |
9901 |
30,776 | |
65/66B |
58 | |
65 |
58 | |
9903 |
30,718 | |
67/77 |
1,255 | |
9904 |
29,463 | |
9905 |
29,463 | |
| Appropriation of the result | ||
9906 |
29,463 | |
694/7 |
26,000 | |
694 |
1,000 | |
695 |
25,000 | |
| Document | ||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 31-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 31 days after the deadline. Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00466870.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 31-08-2026 | 2026-00466870 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 30,924 | ||
| 29,611 | ||
| 730 | ||
| 4,381 | ||
| 13.2% | ||
| 1.13 | ||
| 6.55 | ||
| 593.6% | ||
| 78.6% | ||
| over 100 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Tangible fixed assets | €730 |
| €148 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on DJJ.construct
Debt's share of the balance-sheet total is 86.8%.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 27-12-2024
term without a fixed end
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “TITEL IV. BESTUUR - CONTROLE Artikel 10. Bestuursorgaan De vennootschap wordt bestuurd door één of meer bestuurders, natuurlijke personen of…”deed of 27-12-2024
Mandates through the years
1 name, the dashed line is todayJAROCKI Dawid
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- JAROCKI Dawid
- Director (not named in the articles), appointed by deed of 27-12-2024, still in office
Control
Capital
- Contribution
- €1,500
- Shares
- 100
- Contribution per share
- €15
- Equity per share
- €49.63 in 2025
- Source
- deed of 27-12-2024
Articles of association
deed of 27-12-2024 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Thursday of June at 18:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 27-12-2024 ↗
- JAROCKI Dawid 100 shares (100%) · €1,500
Network & group
No group
DJJ.construct has no parent and no holdings in its annual accounts. JAROCKI Dawid is the only director. DJJ.construct shares no director with another company.
Timeline
Timeline
4 events since 2024Filings
Establishments
202420252026
2026
Annual accounts 2025 filed NBBmicro format · 31 days late
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1017845843
2024
IncorporationFounding capital of €1,500, 100 shares · Founder: JAROCKI Dawid · Appointment: JAROCKI Dawid (director) · published on 27-12-20245 points ▸
- Founder, JAROCKI Dawid
- Founding capital, €1,500, 100 shares
- 100 shares
- Registered office clause, Dorpstraat 472/1, 3061 Leefdaal
- Director appointment, JAROCKI Dawid (director (not named in the articles))
- The deed holds 9 more points.
First establishment Dorpstraat 472, Bertem
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1017.845.843
- VAT number
- BE 1017.845.843
- Peppol ID
- 0208:1017845843
- Other Peppol ID
- 9925:BE1017845843
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 23-12-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Thursday of June at 18:00deed of 27-12-2024 (in Dutch)
- Peppol
- Reachable since 05-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- DJJ.construct in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 27-12-2024 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 27-12-2024 (in Dutch)
Activities
NACEBEL 202541001
General construction of residential buildings main activity
Codes under NACEBEL 2008
41201
General construction of buildings main activity
41202
Construction of residential and non-residential buildings
41203
Construction of residential and non-residential buildings
43999
Specialised construction activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Algemene aannemingswerken,inclusief de renovatie,constructie,transformatie en afbraak van gebouwen,de uitvoering van alle installatie- en…”deed of 27-12-2024 (in Dutch)
2 activities
- Algemene aannemingswerken,inclusief de renovatie,constructie,transformatie en afbraak van gebouwen,de uitvoering van alle installatie- en reparatiewerkzaamheden voor sanitair,elektriciteit,centrale verwarming,sanitaire installaties,plaatsing van keuken,deblokkering van riolen,hydraulische werken,grondwerken,drainage,het plaatsen van kabels en diverse leidingen,rioleringswerken,hervoegingswerken,thermische,verkoelende en akoestische isolatiewerken,herbekleding van muren en vloeren,pleisterwerk,herstructurering van gebouwen,houtwerken en metaalwerken,het strippen en afbreken van gebouwen,reiniging en onderhoud van gebouwen,het reinigen van ramen en kantoren,kleine kantoorwerken,gevelwerken,interimdiensten,onderaanneming,installatie van sierschoortenen en andere decoratieve elementen in marmer of in steen,het plaatsen van sloten en bouwbeslag,het plaatsen van deuren in kunststof,het plaatsen van parketvloeren en alle andere houten bekledingen,het vegen van schoorstenen,de plaatsing van elektrische signalerings- en alarmapparatuur,installatie van verwarmings-,airconditioning- en ventilatiesystemen,het vervaardigen van reservoirs,volledig uitgeruste keukenfaciliteiten,vervaardigen,installeren en plaatsen van stands en exposities,installatie,montage en demontage van steigers en platforms,onderhoud en reiniging van allerlei uitrustingsstukken.
- De import en export,aankoop en verkoop,groothandel en detail en vertegenwoordiging van alle items,materialen,voorwerpen en uitrustingen gerelateerd aan de bouwsector;
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Dorpstraat 472 registered office 3061 Bertem | 23-12-2024 | 2.368.118.408 |
Buildings and parcels at the address
- Ground area
- 307 m²
- Buildings
- 155 m²
- Volume, LiDAR
- 946 m³
- Tallest building
- 11.7 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 24061C0248/00F000 | 307 m² | 1 · 155 m² | 11.7 m · 2 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 1017.845.843