JORJ CONSTRUCT
ActiveThe computed 12-month bankruptcy probability of JORJ CONSTRUCT is 1.6% (moderate). The 2025 annual accounts show equity of €219k and a net result of €59k. Equity is growing by ~11.7% per year across the filed fiscal years. Its solvency ranks better than 47% of 27711 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+8
Solvency70=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 1.94 against 1.6 in 2024; short-term debt: 47.9% and cash: 14.5% of total assets), but 55.1% 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 · 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
44.9%
Return on assets
12.1%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
30 d early
2023
36 d early
2022
16 d early
2021
31 d late
2020
on the day
2019
29 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€219k▲ 36.7%
2024 · €160k
2018: €70k
2019: €96k
2020: €138k
2021: €167k
2022: €183k
2023: €141k
2024: €160k
2018 → 2025
Total assets
€487k▲ 36.9%
2024 · €356k
2018: €131k
2019: €197k
2020: €250k
2021: €280k
2022: €258k
2023: €290k
2024: €356k
2018 → 2025
Net result
€59k▲ 198%
2024 · €20k
2018: €12k
2019: €31k
2020: €42k
2021: €30k
2022: €15k
2023: €8k
2024: €20k
2018 → 2025
Working capital
€220k▲ 100%
2024 · €110k
2018: €63k
2019: €80k
2020: €114k
2021: €141k
2022: €164k
2023: €86k
2024: €110k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€167k-€183k▲ 9.1%€141k▼ 22.7%€160k▲ 13.4%€219k▲ 36.7%
Operating result€47k-€24k▼ 49.7%€16k▼ 33.7%€37k▲ 132%€94k▲ 155%
Net result€30k-€15k▼ 48.4%€8k▼ 48.2%€20k▲ 150%€59k▲ 198%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 155% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €487k
Fixed assets
€34k▼ 45.6%
Current assets
€454k▲ 54.3%
Equity and liabilities €487k
Equity
€219k▲ 36.7%
Debt
€268k▲ 37.1%
The debt ratio rises from 55.0% to 55.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€129k▲
2024 · €75k
Cash flow
€95k▲
2024 · €58k
Solvency
44.9%▼
2024 · 45.0%
Current ratio
1.94▲
2024 · 1.60
Quick ratio
1.94▲
2024 · 1.60
Debt / equity
1.23▲
2024 · 1.22
ROE
26.9%▲
2024 · 12.3%
ROA
12.1%▲
2024 · 5.5%
Interest coverage
14.70▲
2024 · 10.42
Debt
€268k▲
2024 · €196k
Debt ≤ 1 year
€233k▲
2024 · €184k
Income taxes
€28k▲
2024 · €10k
Staff costs
€40k▼
2024 · €41k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€356k€487k▲
Fixed assets21/28€62k€34k▼
Tangible fixed assets22/27€62k€32k▼
Plant, machinery and equipment23€5k€5k▼
Furniture and vehicles24€57k€27k▼
Financial fixed assets28-€2k
Current assets29/58€294k€454k▲
Amounts receivable after more than one year29€98k€100k▲
Other amounts receivable291€98k€100k▲
Amounts receivable within one year40/41€164k€244k▲
Trade receivables40€154k€230k▲
Other amounts receivable41€10k€14k▲
Cash at bank and in hand54/58€12k€71k▲
Deferred charges and accrued income490/1€20k€39k▲
Equity and liabilities
Total equity and liabilities10/49€356k€487k▲
Equity10/15€160k€219k▲
Contributions10/11€6k€6k=
Reserves13€100k€159k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€98k€157k▲
Profit (loss) carried forward14€54k€54k=
Amounts payable17/49€196k€268k▲
Amounts payable after more than one year17€12k-
Financial debts170/4€12k-
Amounts payable within one year42/48€184k€233k▲
Current portion of amounts payable after more than one year42€24k€16k▼
Financial debts43€60€1k▲
Credit institutions430/8€60€1k▲
Trade debts44€135k€190k▲
Suppliers440/4€135k€190k▲
Taxes, remuneration and social security45€24k€24k▼
Taxes450/3€7k€19k▲
Remuneration and social security454/9€17k€5k▼
Other amounts payable47/48€927€2k▲
Accrued charges and deferred income492/3-€35k
Income statement
Code20242025
Remuneration, social security and pensions62€41k€40k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€36k▼
Other operating charges640/8€12k€1k▼
Gross operating margin9900€128k€171k▲
Operating profit (loss)9901€37k€94k▲
Financial income75/76B€230€2k▲
Recurring financial income75€230€2k▲
Financial charges65/66B€7k€9k▲
Recurring financial charges65€7k€9k▲
Profit (loss) for the period before taxes9903€30k€87k▲
Income taxes67/77€10k€28k▲
Profit (loss) for the period9904€20k€59k▲
Profit (loss) for the period to be appropriated9905€20k€59k▲
Appropriation of the result
Profit (loss) to be appropriated9906€75k€113k▲
Profit (loss) brought forward from the previous period14P€55k€54k▼
Transfer to equity691/2€20k€59k▲
To other reserves6921€20k€59k▲
Profit to be distributed694/7€833-
Return on contributions (dividend)694€833-
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
Next filing, fiscal year 2026, expected by
2026
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €59k ▲198%
Operating result €94k, net result €59k, both a record.
30-09
Financial
Equity above €200kEq €219k ▲36.7%
8 profitable years in a row build equity to €219k.
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Equity above €150kEq €160k ▲13.4%
7 profitable years in a row build equity to €160k.
25-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €8k ▼48.2%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
14-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-09
Financial
Equity above €150kEq €167k ▲21.5%
4 profitable years in a row build equity to €167k.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Equity above €100kEq €138k ▲43.6%
3 profitable years in a row build equity to €138k.
29-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 29 days late
2019
16-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 2 days late
2017
28-04
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Koekelberg · 1 establishment unit since 2015
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.
Handelskantoorstraat 21081 KoekelbergGround area
146 m²
Building footprint
139 m²
Volume, LiDAR
1,341 m³
Parcel 21011A0040/00B014, Brussels · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
JORJ CONSTRUCT
since 20152.247.006.384
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21011A0040/00B014 | Brussels | 146 m² | 1 · 139 m² | 11.7 m · 3 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.
Recognitions · licences · registrations
Recognised contractor
14 categoriesJORJ CONSTRUCT SRL41563
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VGT TECHNICS
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FLEKO
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Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 5,747 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-10-2015
Fiscal year end30-09
Activities, NACEBEL
41001General construction of residential buildings
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.