F&J CONSTRUCTION
ActiveSummary
F&J CONSTRUCTION has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €96k and a net result of €17k. Equity is growing by ~25% per year across the filed fiscal years. Its solvency ranks better than 62% of 7453 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▼-1
Solvency80▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 2.05 against 1.65 in 2024; short-term debt: 30.9% and cash: 17.5% of total assets), and 44.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
55.3%
Return on assets
10%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
4 d late
2023
30 d late
2022
32 d early
2021
25 d early
2020
59 d early
2019
31 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€0
EBIT margin
Not included in this filing
Net result
€17k▲ 7.3%
2024 · €16k
2018: €18k
2019: €-5k
2020: €10k
2021: €13k
2022: €32k
2023: €6k
2024: €16k
2018 → 2025
Working capital
€56k▲ 90.6%
2024 · €30k
2018: €15k
2019: €3k
2020: €9k
2021: €5k
2022: €9k
2023: €15k
2024: €30k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€34k-€56k▲ 66.0%€62k▲ 10.4%€78k▲ 25.9%€96k▲ 22.1%
Operating result€17k-€42k▲ 145%€9k▼ 77.9%€22k▲ 139%€23k▲ 2.4%
Net result€13k-€32k▲ 159%€6k▼ 82.0%€16k▲ 176%€17k▲ 7.3%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 2% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €173k
Fixed assets
€63k ▼ 18.6%
Current assets
€110k ▲ 46.7%
Equity and liabilities €173k
Equity
€96k ▲ 22.1%
Provisions
€15k ▲ 6.8%
Debt
€62k ▲ 3.8%
Debt's share of the balance-sheet total falls from 39.4% to 36.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€37k=
2024 · €37k
Cash flow
€32k▲
2024 · €31k
Current ratio
2.05▲
2024 · 1.65
Debt to equity
0.65▼
2024 · 0.77
ROE
18.1%▼
2024 · 20.6%
ROA
10.0%▼
2024 · 10.6%
Interest coverage
37.12▲
2024 · 26.66
Debt ≤ 1 year
€54k▲
2024 · €45k
Debt > 1 year
€9k▼
2024 · €15k
Income taxes
€4k▼
2024 · €5k
Staff costs
€55k▼
2024 · €57k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 57 lines
Balance sheet
Code20242025
Assets
Total assets20/58€153k€173k▲
Fixed assets21/28€78k€63k▼
Tangible fixed assets22/27€78k€63k▼
Land and buildings22€53k€49k▼
Plant, machinery and equipment23€1k€647▼
Furniture and vehicles24€3k€2k▼
Leasing and similar rights25€21k€12k▼
Other tangible fixed assets26€0-
Financial fixed assets28€50€50=
Current assets29/58€75k€110k▲
Amounts receivable within one year40/41€22k€78k▲
Trade receivables40€20k€76k▲
Other amounts receivable41€2k€1k▼
Cash at bank and in hand54/58€52k€30k▼
Deferred charges and accrued income490/1€910€2k▲
Equity and liabilities
Total equity and liabilities10/49€153k€173k▲
Equity10/15€78k€96k▲
Contributions10/11€12k€12k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€64k€82k▲
Provisions and deferred taxes16€14k€15k▲
Provisions for liabilities and charges160/5€14k€15k▲
Other liabilities and charges164/5€14k€15k▲
Amounts payable17/49€60k€62k▲
Amounts payable after more than one year17€15k€9k▼
Financial debts170/4€15k€9k▼
Amounts payable within one year42/48€45k€54k▲
Current portion of amounts payable after more than one year42€15k€5k▼
Trade debts44€8k€20k▲
Suppliers440/4€8k€20k▲
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€13k€21k▲
Taxes450/3€5k€14k▲
Remuneration and social security454/9€7k€7k▲
Other amounts payable47/48€10k€7k▼
Accrued charges and deferred income492/3€114€25▼
Income statement
Code20242025
Remuneration, social security and pensions62€57k€55k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€15k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€768€957▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€97k€95k▼
Operating profit (loss)9901€22k€23k▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€21k€22k▲
Income taxes67/77€5k€4k▼
Profit (loss) for the period9904€16k€17k▲
Profit (loss) for the period to be appropriated9905€16k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€64k€82k▲
Profit (loss) brought forward from the previous period14P€48k€64k▲
Transfer from equity791/2€0-
Transfer to equity691/2€0-
To contributions691€0-
The notes to these accounts (10 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €32k ▲159%
Operating result €42k, net result €32k, both a record.
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet €-5k ▼127%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
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, Châtelet · 1 establishment unit since 2013
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 du Travail 686200 ChâteletGround area
1,387 m²
Building footprint
179 m²
Parcel 52502C0091/00M006, Wallonia. Linked by address, not a title deed.
1 establishment unit
F&J CONSTRUCTION
since 20132.215.083.684
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52502C0091/00M006 | Wallonia | 1,387 m² | 1 · 179 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
KMA Belgium
BE 0737.650.950
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Human Construct
BE 0786.805.996
Kluisbergen · Eq €95,772
CONSTANTIN CONSTRUCT - ENTREPRISE GENERALE DE CONSTRUCTIONS
BE 0508.889.516
Elsene · Eq €95,722
Cuyper Projects – building & renovation
BE 0672.670.551
Deerlijk · Eq €95,720
AMS Bouwoperator
BE 0779.720.939
Schilde · Eq €95,714
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 13,165 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-12-2012
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.