ECJ
ActiveSummary
The computed 12-month bankruptcy probability of ECJ is 3.1% (moderate). The 2024 annual accounts show equity of €41k and a net result of €17k. Its solvency ranks better than 66% of 36375 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability100=
Solvency86▲+27
Growth52
Track record94
Bankruptcy probability, 12 months
3.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 1.83 against 0.9 in 2023; short-term debt: 39.4% and cash: 21.8% of total assets), and 39.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · 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 2024Solvency, return and age of the figures
Solvency
60.6%
Return on assets
25%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-07-2025, 6 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
not confirmed
2024
6 d early
2023
42 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€41k▲ 70.1%
2023 · €24k
Total assets
€68k▼ 5.4%
2023 · €72k
Net result
€17k▼ 6.9%
2023 · €18k
Working capital
€22k
2023 · €-5k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20232024
Operating result€28k-€27k▼ 2.7%
Net result€18k-€17k▼ 6.9%
Equity€24k-€41k▲ 70.1%
Total assets€72k-€68k▼ 5.4%
Debt€48k-€27k▼ 43.8%
Working capital€-5k-€22k
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 2024; 2024 is 3% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €67k
Fixed assets
€18k ▼ 35.5%
Current assets
€49k ▲ 14.8%
Equity and liabilities €68k
Equity
€41k ▲ 70.1%
Debt
€27k ▼ 43.8%
Debt's share of the balance-sheet total falls from 66.3% to 39.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€31k▼
2023 · €33k
Cash flow
€21k▼
2023 · €23k
Current ratio
1.83▲
2023 · 0.90
Quick ratio
1.73▲
2023 · 0.82
Debt to equity
0.65▼
2023 · 1.96
ROE
41.2%▼
2023 · 75.2%
ROA
25.0%▼
2023 · 25.4%
Interest coverage
33.39▼
2023 · 90.55
Debt ≤ 1 year
€27k▼
2023 · €48k
Income taxes
€9k▼
2023 · €9k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5k | €4k | ▼ 14.6% |
| Other operating charges640/8 | €406 | €308 | ▼ 24.0% |
| Non-recurring operating charges66A | - | €843 | - |
| Gross operating margin9900 | €33k | €33k | ▼ 2.2% |
| Operating profit (loss)9901 | €28k | €27k | ▼ 2.7% |
| Financial income75/76B | €14 | €45 | ▲ 215% |
| Recurring financial income75 | €14 | €45 | ▲ 215% |
| Financial charges65/66B | €363 | €941 | ▲ 159% |
| Recurring financial charges65 | €363 | €941 | ▲ 159% |
| Profit (loss) for the period before taxes9903 | €28k | €26k | ▼ 4.7% |
| Income taxes67/77 | €9k | €9k | ▼ 0.6% |
| Profit (loss) for the period9904 | €18k | €17k | ▼ 6.9% |
| Profit (loss) for the period to be appropriated9905 | €18k | €17k | ▼ 6.9% |
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €72k | €68k | ▼ 5.4% |
| Formation expenses20 | €1k | €778 | ▼ 23.6% |
| Fixed assets21/28 | €28k | €18k | ▼ 35.5% |
| Tangible fixed assets22/27 | €28k | €18k | ▼ 35.5% |
| Plant, machinery and equipment23 | €6k | €5k | ▼ 21.8% |
| Furniture and vehicles24 | €22k | €13k | ▼ 39.1% |
| Current assets29/58 | €43k | €49k | ▲ 14.8% |
| Stocks and contracts in progress3 | €4k | €3k | ▼ 27.4% |
| Stocks30/36 | €4k | €3k | ▼ 27.4% |
| Amounts receivable within one year40/41 | €12k | €30k | ▲ 149% |
| Trade receivables40 | €7k | €27k | ▲ 289% |
| Other amounts receivable41 | €5k | €3k | ▼ 39.1% |
| Cash at bank and in hand54/58 | €26k | €15k | ▼ 43.1% |
| Deferred charges and accrued income490/1 | €806 | €2k | ▲ 105% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €72k | €68k | ▼ 5.4% |
| Equity10/15 | €24k | €41k | ▲ 70.1% |
| Contributions10/11 | €6k | €6k | = |
| Reserves13 | €18k | €35k | ▲ 91.7% |
| Distributable reserves133 | €18k | €35k | ▲ 91.7% |
| Profit (loss) carried forward14 | €232 | €708 | ▲ 205% |
| Amounts payable17/49 | €48k | €27k | ▼ 43.8% |
| Amounts payable within one year42/48 | €48k | €27k | ▼ 43.8% |
| Trade debts44 | €13k | €8k | ▼ 38.2% |
| Suppliers440/4 | €13k | €8k | ▼ 38.2% |
| Taxes, remuneration and social security45 | €9k | €19k | ▲ 99.4% |
| Taxes450/3 | €9k | €19k | ▲ 99.4% |
| Other amounts payable47/48 | €25k | - | - |
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €18k | €17k | ▼ 6.9% |
| + Depreciation and write-downs630 | €5k | €4k | ▼ 14.6% |
| Operating cash flow (approximation) | €23k | €21k | ▼ 8.5% |
| Investment in fixed assets (approximation) | - | €6k | - |
| Change in cash | - | €-11k | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 1.83
Current ratio from 0.90 to 1.83; short-term debt falls from €48k to €27k.
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Péruwelz · 1 establishment unit since 2023
Ground area
437 m²
Parcel 57064A0783/00Y002, Wallonia. Linked by address, not a title deed.
1 establishment unit
ECJ
since 20232.346.109.405
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57064A0783/00Y002 | Wallonia | 437 m² | - | - |
Linked by address, not proof of ownership
Good to know
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
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LS-Lift
BE 1002.560.326
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Adam Golebiewski
BE 0776.833.012
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FILCARI CONSTRUCT
BE 0798.394.330
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Of 4,094 companies in sector 43240 we hold annual accounts for 1,633. 1,309 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded29-03-2023
Fiscal year end31-12
Activities, NACEBEL 2025
43240Other construction installation
41001General construction of residential buildings
Scores and ratios are computed by Checked and are not a credit decision.