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HBJ CONSTRUCTION

Active
Private limited company·Algemene bouw van residentiële gebouwen· 5 yrs active
Chaussée de Lodelinsart 183 ·6060 Charleroi, Belgium
KBO/BCE: BE 0752.984.967
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Age5 yrs
Real estate2 parcels · 2,198 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of HBJ CONSTRUCTION is 2.4% (moderate). The 2024 annual accounts show equity of €71k and a net result of €11k. Its solvency ranks better than 42% of 3827 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Filing behaviour

From the deposit records, complete market-wide
Deadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 12 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
How we compute the deadline
The year end is derived from 5 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 nothing on record not filed -
31-12-2024 31-07-2025 30-09-2025 61 d late 2025-00518144
31-12-2023 31-07-2024 03-09-2024 34 d late 2024-00445787
31-12-2022 31-07-2023 12-09-2023 43 d late 2023-00443980
31-12-2021 31-07-2022 27-10-2022 88 d late 2022-20483922
31-12-2020 31-07-2021 31-08-2021 31 d late 2021-64500312

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2020, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
2.4% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€11k
Working capital€-10k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 30-09-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 41, Construction of buildings · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 32.7% 39.4%
better than 42% of 3827 sector peers
Net result €11k €9k
better than 54% of 3824 sector peers
Equity €71k €29k
better than 78% of 3832 sector peers
Gross operating margin €319k €26k
better than 95% of 3822 sector peers
Staff costs €1k €16k
higher than 28% of 1125 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA€35k
Net profit€11k
Cash flow€13k
Staff costs€1k
Income taxes€16k
Dividends-
Total assets€218k
Equity€71k
Debt€147k
of which ≤ 1y€147k
of which > 1y-
Working capital€-10k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.93
Quick ratio0.93
Working capital ratio-4.6%
Solvency32.7%
Debt / equity2.06
Long-term debt ratio-
Interest coverage5.77
Gross margin-
Net margin-
ROA5.2%
ROE16.0%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€218k
Fixed assets 21/28€81k
Tangible fixed assets 22/27€6k
Financial fixed assets 28€75k
Current assets 29/58€137k
Cash & bank 54/58€137k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€218k
Equity 10/15€71k
Contributions / capital 10/11€5k
Accumulated profits (losses) 14€66k
Amounts payable 17/49€147k
Amounts payable within one year 42/48€147k
Trade debts payable within one year 44€70k
Income statement
Gross operating margin 9900€319k
Operating result 9901€33k
Financial charges 65€6k
Result before taxes 9903€27k
Income taxes 67/77€16k
Net result for the period 9904€11k
Result to be appropriated 9905€11k
Ratios computed by Checked.

Health barometer

FY 2024 · computed
58 / 100 Fair
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Chaussée de Lodelinsart 1836060 Charleroi

Establishment units

1 location
HBJ INVEST
Route de Gosselies(FL) 303, 6220 FleurusAdviesbureaus op het gebied van public relations en communicatie
since 20202.309.794.583
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area2,198 m²
Buildings2
Building footprint579 m²
Volume (LiDAR)4,089 m³
Tallest building11.4 m · ±4 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
52072A0199/00Y002 Wallonia 2,070 m² 1 · 449 m² 7.1 m · 2 fl.
52026D0248/02N000 Wallonia 129 m² 1 · 130 m² 11.4 m · 4 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

4 acts
Company purpose
la proposition de modification de l’objet social repris dans des statuts en application de l’article 5:101 et la mise en place de la procédure prévue par le Code des sociétés et des associations. La société a été constituée aux termes d’un acte reçu par le notaire suppléant Xavier Laurent, remplaçant le notaire Alain Beyens, à Sambreville, le vingt-cinq août deux mille vingt, publié aux annexes au Moniteur Belge du vingt-huit août suivant, sous la référence 20339380, et dont les statuts n’ont pas été modifiés depuis lors. Elle exerce sous le numéro d’entreprise 0752.984.967. De manière à pouvo
Per act of 08-06-2026
Address history · 1
18-09-2025
v3.2
All acts · 4 updated 2 months ago
2026
08-06-2026 Notarial deed · Statute amendment · Power of attorney · Incorporation Open-capture extraction
  • Filing: 2026-06-04 · HBJ INVEST
  • Publication: 2026-06-08 · HBJ INVEST
  • Notarial deed: 2026-06-01 · HBJ INVEST
  • Statute amendment: article 1 · HBJ INVEST
  • Statute amendment: article 3 · HBJ INVEST
  • Power of attorney: administrateur · HBJ INVEST
  • Power of attorney: comparant · HBJ INVEST
  • Incorporation: 2020-08-25 · HBJ INVEST
  • Publication: 2020-08-28 · HBJ INVEST
  • Purpose: la proposition de modification de l’objet social repris dans des statuts en application de l’article 5:101 et la mise en place de la procédure prévue par le Code des sociétés et des associations. La société a été constituée aux termes d’un acte reçu par le notaire suppléant Xavier Laurent, remplaçant le notaire Alain Beyens, à Sambreville, le vingt-cinq août deux mille vingt, publié aux annexes au Moniteur Belge du vingt-huit août suivant, sous la référence 20339380, et dont les statuts n’ont pas été modifiés depuis lors. Elle exerce sous le numéro d’entreprise 0752.984.967. De manière à pouvo
  • Act object: SIEGE SOCIAL, OBJET, DENOMINATION
Summary: Notarial deed · Statute amendment · Power of attorney · Incorporation
2025
18-09-2025 Registered office moved from Aiseau-Presles to Wangenies Registered-office change
  • Rue Joseph Bancu 16, 6250 Aiseau-Presles → Route de Gosselies 303, 6220 Wangenies
Summary: v3.2
2021
23-06-2021 Change in the board of directors Director changes
Summary: v3.2
2020
28-08-2020 Incorporation of a new SRL Incorporation
Summary: oprichting

Analysis

Snowflake analysis

financial profile on 5 axes
Health58Profitability80Solvency50Growth-Stability79
67 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 58
Profitability 80
Solvency 50
Growth -
Stability 79

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Similar

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Comparable size, same sector
We hold annual accounts for 5,317 of the 29,570 companies in this sector. 4,530 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Algemene bouw van residentiële gebouwen41001Ontwikkeling van residentiële bouwprojecten41101Ontwikkeling van residentiële bouwprojecten68121Algemene bouw van andere niet-residentiële gebouwen41003Ontwikkeling van niet-residentiële bouwprojecten41102Slopen43110Algemene elektrotechnische installatiewerken43211Installatie van verwarming, klimaatregeling, koeling en ventilatie aangedreven door elektriciteit43222Overige werkzaamheden in verband met de afwerking van gebouwen43350Vermogensbeheer66300Vermogensbeheer66300Ontwikkeling van niet-residentiële bouwprojecten68122
Primary activity highlighted.
Names & trade names
Legal nameFR HBJ CONSTRUCTION
Legal nameFR HBJ INVEST
Registered office
Chaussée de Lodelinsart 183
6060 Charleroi, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.