Financials
- Fiscal year
- 2025
- Total assets
- €37,646
- Profit
- €18,611
- Solvency
- 79.3%
Turnover▲ 113%
Net result
20182020
M&J CONSTRUCTION
ActiveSummary
M&J CONSTRUCTION has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €29,847 and a net result of €18,611. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 84% of 30651 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
What they do
Painting of buildings
NACE 43341NACE 45441
2 sites
How big
€37,646total assets 2025
- Equity
- €29,847
- Profit
- €18,611
Who decides
Accounts 17 d early0 of 5 deeds read
Why 99- Size: total assets €37,646+ Liquidity: current ratio 4.11, cash €18,945+ Founded in 2007+ Equity €29,847 (79.3% of total assets)Show the evidence
Checked score
Score 2025
99
/ 100
Excellent
Probability in this band: under 0.55%
Better than 92% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
100+35
equity 79.3% of total assets
Liquidity
93+74
short-term debt 20.7% · cash 50.3%
Profitability
100=
return on assets 49.4%
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
- Liquidity: current ratio 4.11, cash €18,945 lowers the probability
- Size: total assets €37,646 raises the probability for this profile
- Founded in 2007 lowers the probability for this profile
- Equity €29,847 (79.3% of total assets) lowers the probability
Credit up to €2,500 at 30 days acceptable
Liquidity ample (current ratio 4.11 against 1.53 in 2024; short-term debt: 20.7% and cash: 50.3% of total assets), and 20.7% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 90%, liquidity 90%, profitability 93%, growth against the median 95%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-07-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
16 d early
2023
18 d early
2022
9 d early
2021
2 d early
2020
23 d late
2019
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 1 day before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 15 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Highest result since 2018net €18,611 ▲11%
- Liquidity triplescurrent ratio 4.11
Key points
By topic
Timeline
- Events
- 17
- Since
- 2017
- Next accounts
- by 31-07-2027
- 14-07-2026Annual accounts filed
- 31-12-2025Highest result since 2018
- 31-12-2025Liquidity triples
Company details
- Sites
- 2
- Legal form
- Private limited company
- Activity
- Painting of buildingsNACE 43341
- Founded
- 28-06-2007
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.