H.J.CONSTRUCT
ActiveH.J.CONSTRUCT has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €665k and a net result of €12k. Equity is growing by ~9.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 3549 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability58▼-9
Solvency100=
Growth53▼-15
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days only on tighter terms
Liquidity ample (current ratio 18.12 against 15.86 in 2023; short-term debt: 5.1% and cash: 2.7% of total assets), and 5.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
94.6%
Return on assets
1.7%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-11-2025, 122 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
122 d late
2023
92 d late
2022
92 d late
2021
31 d late
2020
31 d late
2019
61 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
€901k▼ 26.3%
2023 · €1.22M
2020: €708k
2021: €867k
2022: €845k
2023: €1.22M
2020 → 2024
EBIT margin
1.4%▼ 4.1pp
2023 · 5.5%
2020: 34.7%
2021: 12.4%
2022: 2.2%
2023: 5.5%
2020 → 2024
Net result
€12k▼ 75.3%
2023 · €47k
2018: €57k
2019: €10k
2020: €180k
2021: €81k
2022: €14k
2023: €47k
2018 → 2024
Working capital
€608k▼ 0.3%
2023 · €610k
2018: €324k
2019: €273k
2020: €466k
2021: €563k
2022: €565k
2023: €610k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€708k-€867k▲ 22.4%€845k▼ 2.6%€1.22M▲ 44.8%€901k▼ 26.3%
Equity€511k-€591k▲ 15.8%€606k▲ 2.4%€653k▲ 7.8%€665k▲ 1.8%
Operating result€246k-€108k▼ 56.2%€18k▼ 83.1%€67k▲ 268%€12k▼ 81.8%
Net result€180k-€81k▼ 55.1%€14k▼ 82.3%€47k▲ 231%€12k▼ 75.3%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 82% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €703k
Fixed assets
€60k▲ 7.0%
Current assets
€643k▼ 1.2%
Equity and liabilities €703k
Equity
€665k▲ 1.8%
Debt
€38k▼ 28.9%
The debt ratio falls from 7.6% to 5.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€28k▼
2023 · €79k
Cash flow
€28k▼
2023 · €59k
Solvency
94.6%▲
2023 · 92.4%
Current ratio
18.12▲
2023 · 15.86
Quick ratio
18.12▲
2023 · 15.86
Debt / equity
0.06▼
2023 · 0.08
ROE
1.8%▼
2023 · 7.2%
ROA
1.7%▼
2023 · 6.7%
Interest coverage
19.05▼
2023 · 24.01
Debt
€38k▼
2023 · €53k
Debt ≤ 1 year
€35k▼
2023 · €41k
Debt > 1 year
€3k▼
2023 · €12k
Income taxes
€3k▼
2023 · €19k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€706k€703k▼
Fixed assets21/28€56k€60k▲
Tangible fixed assets22/27€56k€59k▲
Land and buildings22€19k€18k▼
Plant, machinery and equipment23-€7k
Furniture and vehicles24€37k€34k▼
Financial fixed assets28€250€250=
Current assets29/58€651k€643k▼
Amounts receivable within one year40/41€526k€533k▲
Trade receivables40€93k€154k▲
Other amounts receivable41€433k€379k▼
Current investments50/53€83k€91k▲
Cash at bank and in hand54/58€41k€19k▼
Equity and liabilities
Total equity and liabilities10/49€706k€703k▼
Equity10/15€653k€665k▲
Contributions10/11€6k€6k=
Capital10€6k€6k=
Issued capital100€19k€19k=
Uncalled capital101€12k€12k=
Reserves13€39k€39k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Tax-exempt reserves132€37k€37k=
Profit (loss) carried forward14€608k€619k▲
Amounts payable17/49€53k€38k▼
Amounts payable after more than one year17€12k€3k▼
Financial debts170/4€12k€3k▼
Amounts payable within one year42/48€41k€35k▼
Current portion of amounts payable after more than one year42€10k€10k▼
Trade debts44€4k-
Suppliers440/4€4k-
Taxes, remuneration and social security45€18k€21k▲
Taxes450/3€18k€21k▲
Other amounts payable47/48€9k€4k▼
Income statement
Code20232024
Turnover70€1.22M€901k▼
Goods, raw materials, services and sundry goods60/61€1.15M€869k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€16k▲
Other operating charges640/8€1k€4k▲
Gross operating margin9900€80k€32k▼
Operating profit (loss)9901€67k€12k▼
Financial income75/76B€3k€4k▲
Recurring financial income75€3k€4k▲
Financial charges65/66B€3k€1k▼
Recurring financial charges65€3k€1k▼
Profit (loss) for the period before taxes9903€66k€15k▼
Income taxes67/77€19k€3k▼
Profit (loss) for the period9904€47k€12k▼
Profit (loss) for the period to be appropriated9905€47k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€608k€619k▲
Profit (loss) brought forward from the previous period14P€560k€608k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-11
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 122 days late
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 92 days late
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 92 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Liquidity triplescurrent ratio 11.42
Current ratio from 4.42 to 11.42; short-term debt falls from €136k to €54k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €180k ▲1703%
Operating result €246k, net result €180k, both a record.
31-12
Financial
Equity above €500kEq €511k ▲54.3%
3 profitable years in a row build equity to €511k.
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
31-12
Financial
Weakest financial yearnet €10k ▼82.6%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 60 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · 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, Brussel · 1 establishment unit since 2007
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.
Brabançonnelaan 281000 BrusselGround area
141 m²
Building footprint
83 m²
Volume, LiDAR
1,214 m³
Parcel 21806F0073/00B005, Brussels · tallest building 19.6 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
H.J. Construct
since 20072.163.437.718
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21806F0073/00B005 | Brussels | 141 m² | 1 · 83 m² | 19.6 m · 5 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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PHILIP MULKERS
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Of 15,529 companies in sector 43990 we hold annual accounts for 7,421. 4,026 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded21-06-2007
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
45250
Sources
Crossroads Bank for EnterprisesNational Bank · 18 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.