Debts
€20,072 84% of the balance sheet
Financial debts 67%Taxes and wages 33%
Jerzy
Lifetime
9 annual accounts with figures on one time axispeak €17,770 (2020)
-€6,934▼ €10,864
lowest -€16,258 (2019)
-€7,805▼ €11,229
peak €11,711 (2024)
€3,905▼ 66.7%
€20,072▲ 0.1%
Board1 name since 2022
1 directorKozlowski Jerzy
Documentsfilings and deeds
03-02-20263 days late
2025micro format
Gross margin from €3,930 to -€6,934Loss of €7,805Equity from €11,711 to €3,905
Key points
from the 2025 annual accountsFilings
9 annual accounts 9 late
The 2018 accounts came latest: 21 days after the end of the period.
Position in the sector
€3,905
Less equity than 84% of companies in construction of buildings. Sector median €45,544 · 9,459 companies.
Turnover not published (abbreviated or micro format)
Checked score
49
Fair
Financially stronger than 11% of micro companies in construction of buildings (NACE 41)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.6% Moderate
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 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.9%
01-2025: 2.1%▲ +0.2 percentage points vs 12-2024
02-2025: 2.7%▲ +0.6 percentage points vs 01-2025highest value
03-2025: 1.9%▼ -0.8 percentage points vs 02-2025
04-2025: 1.9%● unchanged vs 03-2025
05-2025: 1.9%● unchanged vs 04-2025
06-2025: 1.9%● unchanged vs 05-2025
07-2025: 1.9%● unchanged vs 06-2025
08-2025: 1.8%▼ -0.1 percentage points vs 07-2025
09-2025: 1.8%● unchanged vs 08-2025
10-2025: 1.9%▲ +0.1 percentage points vs 09-2025
11-2025: 1.8%▼ -0.1 percentage points vs 10-2025
12-2025: 1.7%▼ -0.1 percentage points vs 11-2025lowest value
01-2026: 1.9%▲ +0.2 percentage points vs 12-2025
02-2026: 2.5%▲ +0.6 percentage points vs 01-2026
03-2026: 2.6%▲ +0.1 percentage points vs 02-2026
04-2026: 2.6%● unchanged vs 03-2026
05-2026: 2.6%● unchanged vs 04-2026
06-2026: 2.6%● unchanged vs 05-2026
07-2026: 2.6%● unchanged vs 06-2026
08-2026: 2.4%▼ -0.2 percentage points vs 07-2026
09-2026: 2.5%▲ +0.1 percentage points vs 08-2026
10-2026: 2.6%▲ +0.1 percentage points vs 09-2026
11-2026: 2.6%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Sector: Construction of residential and non-residential buildings (NACE 41)
Loss of €7,805 (financial year 2025)
Liquidity: current ratio 1.19
lowers risk
Size: total assets €23,978
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 23% of them on solvency, 8% on liquidity, 5% on profitability and 8% on growth.
The bankruptcy probability was computed on 08-11-2026 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 30-06-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% 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, 1,294 companies had the same profile as Jerzy has now. Each dot stands for 4 companies, two years later.
89.6%
were still trading
5.9%
stopped another way
4.1%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Jerzy itself: 2.6% within 12 months.
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 1,294 companies, not a prediction for Jerzy. 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
No publishable credit limit, so credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity is tight, with a current ratio of 1.19 (1.58 in 2024), below the usual 1.5. Short-term debt is 83.7% of total assets. 83.7% 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.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 9456 sector peers (2025).
NBB · sector comparisonPosition among 9456 sector peers
Solvency
better than 23%
← weakest
strongest →
raises risk · 2025 accounts filed 3 days late
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 03-02-2026, 3 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 9 filingsDeviation from the deadline
2025
3 days late
2024
10 days late
2023
5 days late
2022
8 days late
2021
4 days late
2020
17 days late
2019
18 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 9 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.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 5 February (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end09-11-2026 today31-01-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0648762130
Incorporation
published on 22-02-2016 · Gazette deed
First establishment
Heirbaan 20, Pajottegem
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Jerzy Pajottegem | €23,978 | -€6,934 | 16.3% | - |
| MLE INVEST Landen | €21,934 | -€248 | 76.8% | - |
| S.HOME Asse | €28,939 | €78 | 35.3% | - |
| CONSULTING & MANAGEMENT COMPANY Enghien | €25,196 | -€2,141 | 90.3% | - |
| C.L.E. CONSTRUCTION Crisnée | €26,679 | €806 | 71.3% | - |
| TAOCONSTRUCT Mons | €26,838 | -€559 | 68.0% | - |
| DIAGNOSTIC ET SERVICE EN CONSTRUCTION Woluwe-Saint-Pierre | €27,809 | -€12,496 | 7.5% | - |
These companies have the same main activity as Jerzy: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €21,900 and €28,900, founded between 2015 and 2017.
Official details
Source: KBO- Status
- Active since 17-02-2016Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 1 other
- Establishment unit
- 2.253.622.5761570 Pajottegem, since 17-02-2016
- Financial year end
- 30 June
- Peppol
- Reachable since 03-02-2026
Insights on Jerzy
Jerzy files the micro format. That format states no turnover. The gross margin rose from -€8,771 in 2017 to -€6,934 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Jerzy
- What is the company number of Jerzy?
- The company number of Jerzy is 0648.762.130. The VAT number is the same number with BE in front: BE 0648.762.130.
- Where is Jerzy based?
- The registered office is at Heirbaan 20, 1570 Pajottegem.Company details
- What does Jerzy do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of Jerzy?
- Jerzy is a private limited company (pre-2019) (BVBA).
- When was Jerzy founded?
- Jerzy was founded on 17-02-2016.
- Is Jerzy still active?
- Yes, Jerzy is an active enterprise in the KBO register.
- What is the turnover of Jerzy?
- The annual accounts for financial year 2025 state no turnover. The abbreviated or micro format does not require it.Financials
- Is Jerzy profitable?
- In financial year 2025, Jerzy made a loss of €7,805.
- Where can I find the annual accounts of Jerzy?
- Jerzy filed 9 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Jerzy due?
- Jerzy must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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