Equity
€40,530 ▲ 141%
FJC Construction has made a profit in every financial year since 2023.
FJC Construction
Overview
Lifetime
3 annual accounts with figures on one time axispeak €43,544 (2025)
€43,544▲ 248%
peak €23,747 (2025)
€23,747▲ 411%
peak €40,530 (2025)
€40,530▲ 141%
€51,689▼ 38.8%
Board1 name since 2023
1 directorFernandes Julio César
Documentsfilings and deeds
30-10-202691 days late
2025micro format
Gross margin from €12,511 to €43,544Result from €4,649 to €23,747Equity from €16,783 to €40,530Debts from €84,418 to €51,689Cash from €54,663 to €36,411
Key points
from the 2025 annual accountsTurnover
≈ €300,000 estimated
The micro format states no turnover.
Liquidity
1.32 was 0.82 in 2024
Short-term debts fell from €84,418 to €51,689.
Filings
3 annual accounts 91 days
Latest accounts filed late: after the legal deadline.
Starting capital
€5,000
At the same address
613 companies
Checked score
37
Weak
Financially stronger than 77% of micro companies in construction of buildings (NACE 41)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
8.6% 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 9 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.4%lowest value
01-2025: 2.4%● unchanged vs 12-2024
02-2025: 2.4%● unchanged vs 01-2025
03-2025: 2.5%▲ +0.1 percentage points vs 02-2025
04-2025: 2.5%● unchanged vs 03-2025
05-2025: 2.5%● unchanged vs 04-2025
06-2025: 2.6%▲ +0.1 percentage points vs 05-2025
07-2025: 2.6%● unchanged vs 06-2025
08-2025: 3.2%▲ +0.6 percentage points vs 07-2025
09-2025: 3.5%▲ +0.3 percentage points vs 08-2025
10-2025: 4.6%▲ +1.1 percentage points vs 09-2025
11-2025: 4.7%▲ +0.1 percentage points vs 10-2025
12-2025: 3.8%▼ -0.9 percentage points vs 11-2025
01-2026: 3.8%● unchanged vs 12-2025
02-2026: 3.7%▼ -0.1 percentage points vs 01-2026
03-2026: 3.7%● unchanged vs 02-2026
04-2026: 3.7%● unchanged vs 03-2026
05-2026: 3.6%▼ -0.1 percentage points vs 04-2026
06-2026: 6.7%▲ +3.1 percentage points vs 05-2026
07-2026: 6.7%● unchanged vs 06-2026
08-2026: 13.4%▲ +6.7 percentage points vs 07-2026
09-2026: 13.4%● unchanged vs 08-2026
10-2026: 17.2%▲ +3.8 percentage points vs 09-2026highest value
11-2026: 8.6%▼ -8.6 percentage points vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 91 days late; 3 of the last 3 accounts late
Founded in 2023
Ex-officio strike-off in the KBO
Size: total assets €92,219
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 52% of them on solvency, 75% on liquidity, 91% on profitability and 92% on growth.
The bankruptcy probability was computed on 09-11-2026 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, 39,278 companies had the same profile as FJC Construction has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of FJC Construction itself is higher: 8.6% within 12 months. It rests on far more data about FJC Construction 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 39,278 companies, not a prediction for FJC Construction. 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
Credit of up to €1,000 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms
Liquidity is tight, with a current ratio of 1.32 (0.82 in 2024), below the usual 1.5. Short-term debt is 56.1% and cash 39.5% of total assets. 56.1% 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 · 2025 accounts filed 91 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-10-2026, 91 days past the deadline. Measured on financial year 2023: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.
NBB · 3 filingsDeviation from the deadline
2025
91 days late
2024
97 days late
2023
69 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 86 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
raises risk · Administrative warnings in the KBO publications
The FPS Economy published 2 notices about the company, such as a strike-off for address, accounts or UBO, or their withdrawal.
KBO publicationsPublications
Address struckAddress strikeout annulled
Searched, nothing found (1)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 October (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Address strikeout annulled
KBO administration
Registered office moved from Nieuwerkerken to Wezembeek-Oppem
New registered office: Lange Eikstraat 46-1970 Wezembeek-Oppem · Previous registered office: DENNEBOSSTRAAT 35, 3850 NIEUWERKERKEN · General meeting of 29-10-2025 · Gazette deed
Address struck
effective 19-04-2026 · KBO administration
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0802544643
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FJC Construction Wezembeek-Oppem | €92,219 | €43,544 | 43.9% | - |
| CAILLOUX Wezembeek-Oppem | €89,673 | €36,545 | 37.2% | - |
| VAN DE VELES RENOVATION Wezembeek-Oppem | €93,319 | €40,695 | 52.2% | - |
| MC PRO CONCEPT Wezembeek-Oppem | €75,639 | €36,599 | 69.5% | - |
| SM CONSTRUCTION ET SERVICES Ternat | €95,340 | €49,640 | 50.8% | - |
| COUPERUS Rotselaar | €98,076 | €49,090 | 71.7% | - |
| ADEX CONSTRUCTIONS Sint-Pieters-Leeuw | €84,690 | €49,006 | 49.4% | - |
These companies have the same main activity as FJC Construction: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €75,600 and €98,100, founded between 2023 and 2024.
Official details
Source: KBO- Status
- Active since 08-06-2023Normal situation
- Registered office
- 614 active companies are registered at this address102 started in the 12 months before. Source: KBO register, as of 9 November 2026.
- Activity
- General construction of residential buildingsNACE 41001and 1 other
- Establishment unit
- 2.346.299.940since 08-06-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 02-12-2025
Annual accounts 2025
- €43,544▲ 248%
- €23,747▲ 411%
- €40,530▲ 141%
- €92,219▼ 8.9%
- Filing
- Filed on 30-10-2026
Insights on FJC Construction
FJC Construction files the micro format. That format states no turnover. The gross margin rose from €12,979 in 2023 to €43,544 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 30-10-2026, 91 days late€43,544
▲ 248%
€30,918
▲ 393%
€23,747
▲ 411%
€16,387
▲ €31,333
43.9%
▲ 27.4 percentage points
1.32
▲ 0.49
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 ≈ €300,000. Estimated: probably between €170,000 and €550,000.
Balance sheet
balance sheet total €92,219 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
43.9%
Higher than 51% of 9,456 companies in 2025.
1.32
Higher than 37% of 9,204 companies in 2025.
25.8%
Higher than 81% of 9,276 companies in 2025.
FJC Construction
Middle half of the sector
80% of the sector
Micro accounts in construction of buildings (NACE 41)
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet: assets | ||||
20/58 |
92,219 | 101,201 | 24,152 | |
21/28 |
24,143 | 31,729 | 1,000 | |
22/27 |
24,143 | 31,729 | 1,000 | |
24 |
24,143 | 31,729 | 1,000 | |
29/58 |
68,076 | 69,472 | 23,152 | |
40/41 |
30,219 | 14,059 | 14,541 | |
40 |
15,572 | 5,519 | 11,828 | |
41 |
14,647 | 8,540 | 2,713 | |
54/58 |
36,411 | 54,663 | 7,891 | |
490/1 |
1,446 | 750 | 720 | |
| Balance sheet: equity and liabilities | ||||
10/49 |
92,219 | 101,201 | 24,152 | |
10/15 |
40,530 | 16,783 | 12,134 | |
10/11 |
5,000 | 5,000 | 5,000 | |
14 |
35,530 | 11,783 | 7,134 | |
17/49 |
51,689 | 84,418 | 12,018 | |
42/48 |
51,689 | 84,418 | 12,018 | |
44 |
42,422 | 76,135 | 2,949 | |
440/4 |
42,422 | 76,135 | 2,949 | |
45 |
9,267 | 3,291 | 2,069 | |
450/3 |
9,267 | 3,291 | 2,069 | |
47/48 |
- | 4,992 | 7,000 | |
| Income statement | ||||
9900 |
43,544 | 12,511 | 12,979 | |
630 |
7,586 | 5,404 | 2,296 | |
640/8 |
5,040 | 840 | 1,246 | |
9901 |
30,918 | 6,267 | 9,437 | |
65/66B |
1,096 | 396 | 234 | |
65 |
1,096 | 396 | 234 | |
9903 |
29,822 | 5,871 | 9,203 | |
67/77 |
6,075 | 1,222 | 2,069 | |
9904 |
23,747 | 4,649 | 7,134 | |
9905 |
23,747 | 4,649 | 7,134 | |
| Appropriation of the result | ||||
9906 |
35,530 | 11,783 | 7,134 | |
14P |
11,783 | 7,134 | - | |
| Document | ||||
The notes to these accounts have 6 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 30-10-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 91 days after the deadline. Filed on 30 October 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00598269.
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| 38,504 | 11,671 | 11,733 | ||
| 31,333 | 10,053 | 9,430 | ||
| 0 | 36,133 | 3,296 | ||
| -18,252 | 46,772 | - | ||
| 16,387 | -14,946 | 11,134 | ||
| 43.9% | 16.6% | 50.2% | ||
| 1.32 | 0.82 | 1.93 | ||
| 1.28 | 5.03 | 0.99 | ||
| 58.6% | 27.7% | 58.8% | ||
| 25.8% | 4.6% | 29.5% | ||
| 35.13 | 29.47 | 50.14 |
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 | 2024 | 2023 |
|---|---|---|---|
| Tangible fixed assets | - | €36,133 | €2,000 |
| Intangible fixed assets | - | - | €1,296 |
| €7,586 | €5,404 | €2,296 |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
Insights on FJC Construction
The operating result for 2025 is over 4.9 times that of 2024 and the highest since 2023. It is a recovery after the fall in 2024.
Debt's share of the balance-sheet total falls from 83.4% to 56.1%. Equity is higher and debt is lower.
Board & ownership
Board
1 director, since incorporation- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 12-06-2023
Mandates through the years
1 name, the dashed line is todayFernandes Julio César
Statutory director
Statutory director
Board
Mandates as a list
- Fernandes Julio César
- Statutory director, appointed by deed of 12-06-2023, still in office
Control
Capital
- Contribution
- €5,000
- Source
- deed of 12-06-2023
Articles of association
deed of 12-06-2023 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Met of zonder beperking van duur, algemene vergadering die aantal,duur en bij meerdere bestuurders bevoegdheid bepaalt”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- 15 May at 17:00
- 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 12-06-2023 ↗
- Fernandes Julio César €5,000 in cash
Network & group
No group
FJC Construction has no parent and no holdings in its annual accounts. Fernandes Julio César is the only director. FJC Construction shares no director with another company.
At the same address
Lange Eikstraat 46, 1970 Wezembeek-Oppem · 613 other companies| VITALIX LAB
establishment since 29-07-2021 · founded in 2021 |
5.1 FTE (2025) 0771.845.133 |
| KAZIDOMI
establishment since 28-05-2018 · founded in 2016 |
4.9 FTE (2025) 0652.941.840 |
| LA TREBIA
registered office since 23-02-2006 · founded in 2006 · accounts filed late |
total assets €3.1m (2024) 0879.561.059 |
| T.D. & T.O. International
registered office since 07-10-2021 · founded in 2021 |
turnover €1.6m (2025) 0775.473.428 |
| BATIDAR CONSTRUCT
registered office since 13-06-2006 · founded in 2006 |
total assets €1.4m (2025) 0881.831.750 |
| WINPROTECH
registered office since 04-10-2022 · founded in 2022 |
8.9 FTE (2025) 0791.808.624 |
| CLASS-CONSTRUCT
registered office since 01-04-1991 · founded in 1991 |
total assets €1.3m (2025) 0443.482.317 |
| DACO BUILT
registered office since 17-12-2021 · founded in 2021 |
turnover €1.1m (2025) 0778.749.949 |
| CamPro Europe
registered office since 21-05-2019 · founded in 2019 · accounts filed late |
turnover €320,355 (2024) 0726.943.338 |
| Q-ZEN
registered office since 13-12-2019 · founded in 2019 |
total assets €990,140 (2025) 0739.593.029 |
Timeline
Timeline
11 events since 2023Filings
Financial
Establishments
Address
2023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 91 days late
Address strikeout annulled
Registered office moved from Nieuwerkerken to Wezembeek-OppemNew registered office: Lange Eikstraat 46-1970 Wezembeek-Oppem · Previous registered office: DENNEBOSSTRAAT 35, 3850 NIEUWERKERKEN · General meeting of 29-10-20252 points ▸
- General meeting, 29-10-2025
- Registered-office move, Lange Eikstraat 46-1970 Wezembeek-Oppem
Address struck effective 19-04-2026
2025
Highest result from 2023 to 2025 net €23,747 ▲411% The operating result of €30,918 and the net result of €23,747 are both a record.
Registered in the Peppol Directory Reachable for e-invoices through 0208:0802544643
Annual accounts 2024 filed PDFmicro format · 97 days late
2024
Weakest financial year net €4,649 ▼34.8% The net result drops to €4,649, the lowest from 2023 to 2025. It recovers the following year.
Annual accounts 2023 filed PDFmicro format · 69 days late
2023
IncorporationFounding capital of €5,000 · Founder: Fernandes Julio César · Appointment: Fernandes Julio César (statutory director) · published on 12-06-20234 points ▸
- Founding capital, €5,000
- Founder, Fernandes Julio César
- Capital contribution, €5,000
- Director appointment, Fernandes Julio César (statutory director)
- The deed holds 2 more points.
First establishment
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
On 8 June 2023, FJC Construction was incorporated as a private limited company by one natural person, with a starting capital of €5,000.12 In 2026 the registered office moved to Wezembeek-Oppem.3 Fernandes Julio César is statutory director of the company, appointed by deed of 12-06-2023.2 Total assets went from €24,152 in 2023 to €92,219 in 2025.4
Company details
Identity
- Enterprise number
- 0802.544.643
- VAT number
- BE 0802.544.643
- Peppol ID
- 0208:0802544643
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 08-06-2023
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- 15 May at 17:00deed of 12-06-2023 (in Dutch)
- Peppol
- Reachable since 02-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- FJC Construction in Dutch
- Name in the Peppol Directory
- FJCONSTRUCTION
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 12-06-2023 (in Dutch)
- Name clauseThe company operates under this name according to its articles.
- FJC Constructiondeed of 12-06-2023 (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.
- “Dennenbosstraat 35, 3850 Nieuwerkerken”deed of 12-06-2023 (in Dutch)
Activities
NACEBEL 202541001
General construction of residential buildings main activity
Codes under NACEBEL 2008
41201
General construction of buildings main activity
43390
Specialised construction activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “NACE 41201 Algemene bouw van residentiële gebouwen: ruwbouw; NACE 41202 Algemene bouw van kantoorgebouwen: ruwbouw en algemene…”deed of 12-06-2023 (in Dutch)
5 activities
- NACE 41201 Algemene bouw van residentiële gebouwen: ruwbouw
- NACE 41202 Algemene bouw van kantoorgebouwen: ruwbouw en algemene bouwwerkzaamheden
- NACE 41203 Algemene bouw van andere niet-residentiële gebouwen: ruwbouw en algemene bouwwerken
- NACE 81210 Algemene reiniging van gebouwen
- NACE 81290 Andere reinigingsactiviteiten
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Lange Eikstraat 46 registered office 1970 Wezembeek-Oppem | ||
| Establishment unit | 08-06-2023 | 2.346.299.940 |
1 former office
- Dennebosstraat 35, 3850 Nieuwerkerken until the deed of 01-07-2026
Buildings and parcels at the addresses
- Ground area
- 2,035 m²
- Buildings
- 553 m²
- Volume, LiDAR
- 3,903 m³
- Tallest building
- 14.8 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 71060B0450/00H004 | 1,514 m² | 1 · 229 m² | 9.8 m · 1 |
| 22006A0114/00P000 | 520 m² | 1 · 325 m² | 14.8 m · 3 |
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 0802.544.643