Turnover
≈ €280,000 estimated
The micro format states no turnover.
NBJ Construct
Overview
Lifetime
4 annual accounts with figures on one time axispeak €21,305 (2025)
€21,305▲ €31,524
lowest -€11,338 (2024)
€14,542▲ €25,879
peak €12,879 (2025)
€12,879▲ €14,542
€11,817▲ 43.2%
Board2 names since 2022
2 directors and 1 other
Documentsfilings and deeds
23-06-202638 days before the deadline
2025micro format
Gross margin from -€10,219 to €21,305Back to profit: €14,542Equity from -€1,663 to €12,879Debts from €8,250 to €11,817Investments €3,400Cash from €3,726 to €6,348
Key points
from the 2025 annual accountsInvestments
€3,400 2.4 × depreciation
Green is investment, beige is depreciation.
Liquidity
1.74 was 0.45 in 2024
Short-term debts rose from €8,218 to €11,405.
Filings
4 annual accounts since 2022
The last four annual accounts were filed 16 to 58 days before the end of the period.
Starting capital
€3,000 120 shares
Position in the sector
€12,879
Less equity than 81% of companies in specialised construction. Sector median €57,818 · 37,225 companies.
Checked score
Bankruptcy probability within 12 months
Financial strength
Score breakdown
Comparable companies, two years later
In July 2024, 39,326 companies had the same profile as NBJ Construct has now. Each dot stands for 99 companies, two years later.
95.7%
were still trading
2.4%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
Test of the method
The method was tested on the 497,762 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 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
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 39,326 companies, not a prediction for NBJ Construct. 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
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
Board and ownership
Director
Director
- 60 sharesdeed of 04-02-2022
- 60 sharesdeed of 04-02-2022
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0781473570
Registered office moved from Chênée to Soumagne
New registered office: Rue Henri Gardier 65, 4630 SOUMAGNE · Previous registered office: Rue du Bêchuron 57, 4032 Chênée · Board meeting of 09-01-2023 · Gazette deed
Incorporation
Founding capital of €3,000, 120 shares · Founders: and · Appointments: (director) and (director) · published on 04-02-2022 · Gazette deed
First establishment
Rue Henri Gardier 65, Soumagne
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| NBJ Construct Soumagne | €24,695 | €21,305 | 52.2% | - |
| EKS CONSTRUCTION Vilvoorde | €23,285 | €18,302 | 88.3% | - |
| TAHA CONSTRUCTION Anderlecht | €23,245 | €13,566 | 35.1% | - |
| B.B. RENOVATION Fléron | €29,851 | €26,666 | 17.4% | - |
| HELIAMAT TRAILERS Sprimont | €15,528 | €14,921 | 24.6% | 0 |
| STEVE DUQUESNES Celles (lez-Tournai) | €16,344 | €18,637 | -330.2% | - |
| GILLES BROSENS Malle | €33,018 | €17,711 | 45.5% | - |
These companies have the same main activity as NBJ Construct: bricklaying and masonry work (NACE 43910). They are comparable in size and age: total assets between €15,500 and €33,000, founded between 2020 and 2022.
Official details
Source: KBO- Status
- Active since 02-02-2022Normal situation
- Activity
- Bricklaying and masonry workNACE 43910and 2 others
- Establishment unit
- 2.327.143.5294630 Soumagne, since 02-02-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 01-04-2026
Annual accounts 2025
- €21,305
- €14,542
- €12,879
- €24,695▲ 275%
- Filing
- Filed on 23-06-2026, 38 days before the end of the filing period
Insights on NBJ Construct
NBJ Construct files the micro format. That format states no turnover. The gross margin rose from €4,149 in 2022 to €21,305 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 23-06-2026, 38 days before the deadline€21,305
▲ €31,524
€14,891
▲ €26,410
€14,542
▲ €25,879
€8,419
▲ €12,911
52.2%
▲ 77.4 percentage points
1.74
▲ 1.28
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €280,000. Estimated: probably between €140,000 and €550,000.
Balance sheet
balance sheet total €24,695 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
52.2%
Higher than 56% of 37,211 companies in 2025.
1.74
Higher than 48% of 36,505 companies in 2025.
58.9%
Higher than 95% of 36,740 companies in 2025.
NBJ Construct
Middle half of the sector
80% of the sector
Micro accounts in specialised construction (NACE 43)
Net result: middle half · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet: assets | |||||
20/58 |
24,695 | 6,587 | 15,763 | 12,245 | |
21/28 |
4,871 | 2,861 | 2,110 | 1,976 | |
22/27 |
4,871 | 2,861 | 2,110 | 1,976 | |
23 |
1,614 | 2,278 | 1,200 | 1,229 | |
24 |
2,855 | 46 | 239 | 747 | |
26 |
401 | 536 | 671 | - | |
29/58 |
19,825 | 3,726 | 13,653 | 10,269 | |
40/41 |
13,477 | 0 | 7,181 | 4,471 | |
40 |
10,576 | 0 | 5,309 | 0 | |
41 |
2,902 | 0 | 1,872 | 4,471 | |
54/58 |
6,348 | 3,726 | 6,377 | 5,702 | |
490/1 |
- | 0 | 96 | 96 | |
| Balance sheet: equity and liabilities | |||||
10/49 |
24,695 | 6,587 | 15,763 | 12,245 | |
10/15 |
12,879 | -1,663 | 9,675 | 4,643 | |
10/11 |
3,000 | 3,000 | 3,000 | 3,000 | |
14 |
9,879 | -4,663 | 6,675 | 1,643 | |
17/49 |
11,817 | 8,250 | 6,089 | 7,602 | |
42/48 |
11,405 | 8,218 | 6,089 | 7,602 | |
44 |
9,826 | 2,009 | 3,246 | 6,979 | |
440/4 |
9,826 | 2,009 | 3,246 | 6,979 | |
45 |
1,487 | 5,980 | 2,623 | 623 | |
450/3 |
587 | 2,363 | 2,142 | 142 | |
454/9 |
900 | 3,617 | 481 | 481 | |
47/48 |
93 | 229 | 220 | - | |
492/3 |
411 | 32 | - | - | |
| Income statement | |||||
9900 |
21,305 | -10,219 | 8,199 | 4,149 | |
62 |
4,261 | - | - | - | |
630 |
1,390 | 785 | 860 | 1,896 | |
640/8 |
762 | 515 | 611 | 379 | |
9901 |
14,891 | -11,519 | 6,728 | 1,873 | |
75/76B |
693 | 1 | 5 | 2 | |
75 |
693 | 1 | 5 | 2 | |
65/66B |
72 | 73 | 62 | 62 | |
65 |
72 | 73 | 62 | 62 | |
9903 |
15,513 | -11,591 | 6,671 | 1,813 | |
67/77 |
971 | -253 | 1,640 | 171 | |
9904 |
14,542 | -11,338 | 5,032 | 1,643 | |
9905 |
14,542 | -11,338 | 5,032 | 1,643 | |
| Appropriation of the result | |||||
9906 |
9,879 | -4,663 | 6,675 | 1,643 | |
14P |
-4,663 | 6,675 | 1,643 | - | |
| Document | |||||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 23-06-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| 16,282 | -10,734 | 7,588 | 3,769 | ||
| 15,932 | -10,552 | 5,892 | 3,539 | ||
| 3,400 | 1,536 | 994 | 3,872 | ||
| 2,621 | -2,650 | 674 | - | ||
| 8,419 | -4,492 | 7,565 | 2,667 | ||
| 52.2% | -25.2% | 61.4% | 37.9% | ||
| 1.74 | 0.45 | 2.24 | 1.35 | ||
| 0.92 | - | 0.63 | 1.64 | ||
| 112.9% | - | 52.0% | 35.4% | ||
| 58.9% | -172.1% | 31.9% | 13.4% | ||
| over 100 | -147.71 | over 100 | 61.17 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Tangible fixed assets | €3,400 | €1,536 | €994 | €3,872 |
| €1,390 | €785 | €860 | €1,896 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
Insights on NBJ Construct
The operating result for 2025 is a profit of €14,891, after a loss of €11,519 in 2024. It is the highest result since 2022.
Debt's share of the balance-sheet total is 47.8%.
Board & ownership
Board
2 directors, since incorporationDirector (not named in the articles)
appointed by deed of 04-02-2022
term without a fixed end
listed in the 2025 annual accounts, filed on 23-06-2026
Director (not named in the articles)
appointed by deed of 04-02-2022
term without a fixed end
listed in the 2025 annual accounts, filed on 23-06-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “Article 12. Pouvoir de représentation Chaque administrateur représente la société à l'égard des tiers et en justice, soit en demandant, soit…”deed of 04-02-2022
Mandates through the years
2 names, the dashed line is todayDirector (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
-
- Director (not named in the articles), appointed by deed of 04-02-2022, still in office
-
- Director (not named in the articles), appointed by deed of 04-02-2022, still in office
Control
Founders
,
This company
NBJ Construct
Equity €12,879
Profit €14,542 in 2025
Capital
- Contribution
- €3,000
- Shares
- 120
- Contribution per share
- €25
- Equity per share
- €107 in 2025
- Source
- deed of 04-02-2022
Articles of association
deed of 04-02-2022 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Thursday of June
Shareholders
At incorporation
deed of 04-02-2022 ↗
- 60 shares (50%) · €1,500
- 60 shares (50%) · €1,500
Network & group
No group
NBJ Construct has no parent and no holdings in its annual accounts. NBJ Construct shares no director with another company.
Timeline
Timeline
11 events since 2022Filings
Financial
Establishments
Address
20222023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 38 days before the deadline
Registered in the Peppol Directory Reachable for e-invoices through 0208:0781473570
2025
Back to profit net €14,542 The net result is €14,542, after one loss-making year.
Liquidity more than triples current ratio 1.74 The current ratio rises from 0.45 to 1.74.
Annual accounts 2024 filed PDFmicro format · 16 days before the deadline
2024
Weakest financial year net -€11,338 The net result drops to -€11,338, the lowest from 2022 to 2025. It recovers the following year.
Annual accounts 2023 filed PDFmicro format · 58 days before the deadline
2023
Annual accounts 2022 filed PDFmicro format · 40 days before the deadline
Registered office moved from Chênée to SoumagneNew registered office: Rue Henri Gardier 65, 4630 SOUMAGNE · Previous registered office: Rue du Bêchuron 57, 4032 Chênée · Board meeting of 09-01-20232 points ▸
- Board meeting, 09-01-2023
- Registered-office move, Rue Henri Gardier 65, 4630 SOUMAGNE
2022
IncorporationFounding capital of €3,000, 120 shares · Founders: and · Appointments: (director) and (director) · published on 04-02-20227 points ▸
- Founder,
- Founder,
- Founding capital, €3,000, 120 shares
- 120 shares
- Registered office clause, Rue du Bechuron 57, 4032 Liège (Chênée)
- Director appointment, (director (not named in the articles))
- Director appointment, (director (not named in the articles))
- The deed holds 3 more points.
First establishment Rue Henri Gardier 65, Soumagne
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Identity
- Enterprise number
- 0781.473.570
- VAT number
- BE 0781.473.570
- Peppol ID
- 0208:0781473570
- Other Peppol ID
- 9925:BE0781473570
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 02-02-2022
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Thursday of Junedeed of 04-02-2022 (in French)
- Peppol
- Reachable since 01-04-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- NBJ Construct in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 04-02-2022 (in French)
- Name clauseThe company operates under this name according to its articles.
- NBJ Constructdeed of 04-02-2022 (in French)
Activities
NACEBEL 2025VAT activities
43910
Bricklaying and masonry work main activity
43331
Floor and wall tiling
43422
Screed work
Social security (RSZ) activities
43910
Bricklaying and masonry work main activity
Codes under NACEBEL 2008
43994
Specialised construction activities main activity
43331
Floor and wall tiling
43996
Specialised construction activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “L'entreprise de construction d'immeubles,clefs sur porte,gros œuvre fermés; Tous travaux de rénovation,travaux d'égouts,de pose de câbles et…”deed of 04-02-2022 (in French)
31 activities
- L'entreprise de construction d'immeubles,clefs sur porte,gros œuvre fermés
- Tous travaux de rénovation,travaux d'égouts,de pose de câbles et de canalisations diverses
- Tous travaux de terrassement,travaux de drainage,d'égouttage,caniveaux,constructions,aménagement,réfection,création et entretien de voiries,tous travaux de création,d'aménagement et d'entretien de parcs et jardins,l'aménagement paysager,placement de clôtures,entreprise d'aménagement de plaines de jeux et de sports,de parcs et jardins,la fourniture et la pose de tous articles de décoration,gloriettes,pergolas,abris de jardin,chalets et autres biens et articles,vérandas,piscines,cuisines,salles de bains,meubles d'équipement,usines,bureaux,habitations,etc.
- L'installation de cuisines équipées
- Travaux de distribution d'eau et de gaz
- Installations de signalisation routière et autoroutière,et marquage des routes et autoroutes
- Installation d'échafaudages
- Tous travaux de rejointoyage et nettoyage de façades,et de désinfection et nettoyage de maisons,locaux,sites industriels et autres,meubles,ameublements et objets divers
- Le ravalement de façades
- Tous travaux de garnissage,d'ensemblier,l'aménagement de vitrines,magasins,etc.
- Travaux de consolidation du sol par tous systèmes,travaux d'assèchement de constructions autres que par le bitume et l'asphalte
- Travaux d'installation et de restauration de monuments,œuvres d'art
- Entreprise d'installation thermique et acoustique
- Installations de panneaux solaires et de pompes à chaleur
- Placements de cloisons et de fauxplafonds
- Pose de plâtre et de gyproc
- Pose de carrelages
- Pose de chapes
- Placements de ferronneries,volets et menuiseries métalliques et plastiques,placement de volets en bois
- Installation de ventilation et d'aération,de chauffage à air chaud et conditionnement d'air
- Placements d'adoucisseur d'eau
- Installation de cheminées ornementales
- Pose de parquets
- Peinture industrielle (sur charpentes métalliques) et sablage
- Recouvrement de corniches en matière plastique,ramonage de cheminées
- Lavage de vitres
- Travaux de nettoyage et de démoussage de toitures et corniches,placement de corniches en PVC
- Recouvrement de pignons et façades avec de la matière plastique
- La coordination de chantiers
- L'exploitation forestière (débardage,travaux,etc.)
- Toutes opérations ayant rapport au secteur de la construction et promotions immobilières
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Rue Henri Gardier 65 registered office 4630 Soumagne | 02-02-2022 | 2.327.143.529 |
1 former office
- Rue du Bêchuron 57, 4032 Chênée until 09-01-2023 · deed of 26-01-2023
Buildings and parcels at the address
- Ground area
- 556 m²
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 62099A0396/00F000 | 556 m² | - | - |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0781.473.570