Skip to content

NDJ CONSTRUCT

Active
Private limited company·Activiteiten van interieurarchitecten· 3 yrs active
Drève Richelle 161 ·1410 Waterloo, Belgium
KBO/BCE: BE 0802.640.851
Watch Print / PDF
Age3 yrs
Connections48
Real estate1 parcel · 1.0 ha

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of NDJ CONSTRUCT is 0.8% (low). The 2024 annual accounts show equity of €57k and a net result of €51k. Its solvency ranks better than 19% of 3380 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Signals

2 signals · with evidence
Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 3380 sector peers (2024).
View the sector comparison
Consistently profitable
Positive net result in the two most recent financial years (2023 and 2024).
View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

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, 10 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 2 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 2025-00518347
31-12-2023 31-07-2024 27-08-2024 27 d late 2024-00377596

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 2023, 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 administrative flags

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.8% Low
0%0,5%1,5%4%10%≥25%
Young company +Lower-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€51k+1502.5%
Working capital€47k+1321.5%

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 30-09-2025 with the NBB · fiscal year 2024 · micro
€0€20k€40k€60k€80kOperating result 2023: €4k€4kNet result 2023: €3k€3kOperating result 2024: €76k€76kNet result 2024: €51k€51k20232024
Operating resultNet result
Sector comparison
Fiscal year 2024 · NACE 71, Architecture & engineering · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 18.2% 55.1%
better than 19% of 3380 sector peers
Net result €51k €19k
better than 80% of 3380 sector peers
Equity €57k €45k
better than 58% of 3382 sector peers
Gross operating margin €84k €38k
better than 79% of 3377 sector peers
Staff costs €4k €14k
higher than 37% of 550 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€78k
+1705.5% 23-24
Net profit
€51k
+1502.5% 23-24
Cash flow
€54k
+1474.8% 23-24
Total assets
€313k
+1341.9% 23-24
Equity
€57k
+899.6% 23-24
Working capital
€47k
+1321.5% 23-24
Staff costs
€4k
- 23-24
Income taxes
€20k
+2168.9% 23-24
Debt
€256k
+1499.0% 23-24
Debt ≤ 1y
€256k
+1499.0% 23-24
Current ratio
1.18
-1.9% 23-24
Quick ratio
1.18
-1.9% 23-24
Solvency
18.2%
-30.7% 23-24
Debt / equity
4.50
+60.0% 23-24
ROE
90.0%
+60.3% 23-24
ROA
16.4%
+11.1% 23-24
Interest coverage
17.51
-90.9% 23-24
Figures by fiscal year
Fiscal year2024
Depositmicro
Revenue-
EBITDA€78k
Net profit€51k
Cash flow€54k
Staff costs€4k
Income taxes€20k
Dividends-
Total assets€313k
Equity€57k
Debt€256k
of which ≤ 1y€256k
of which > 1y-
Working capital€47k
Employees (FTE)-
Ratios (computed)
2024
Current ratio1.18
Quick ratio1.18
Working capital ratio15.0%
Solvency18.2%
Debt / equity4.50
Long-term debt ratio-
Interest coverage17.51
Gross margin-
Net margin-
ROA16.4%
ROE90.0%
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€313k
Fixed assets 21/28€10k
Tangible fixed assets 22/27€10k
Financial fixed assets 28€185
Current assets 29/58€303k
Amounts receivable within one year 40/41€127k
Cash & bank 54/58€172k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€313k
Equity 10/15€57k
Contributions / capital 10/11€3k
Accumulated profits (losses) 14€54k
Amounts payable 17/49€256k
Amounts payable within one year 42/48€256k
Trade debts payable within one year 44€94k
Income statement
Gross operating margin 9900€84k
Operating result 9901€76k
Financial income 75€360
Financial charges 65€4k
Result before taxes 9903€72k
Income taxes 67/77€20k
Net result for the period 9904€51k
Result to be appropriated 9905€51k
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2024 · computed
76 / 100 Excellent
050100
Computed from 5 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 with Plus.

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

Structure & network

Connections & network

48 connected companies
+48 companies via a shared address +48via a sharedaddressNDJ CONSTRUCT NDJCONSTRUCT0802.640.851
Shared address / shareholderBundled connections
Network connections
ALANINE
Shared address
→
ALIPHIL
Shared address
→
APRIL BELGIUM
Shared address
→
ATOME HVAC
Shared address
→
AUDANE INVEST
Shared address
→
BE. WAN
Shared address
→
BELMONT PROPERTIES
Shared address
→
BRENTIMMO
Shared address
→
BYTE TRUST
Shared address
→
Carl Software Benelux
Shared address
→
CHISTOUINVEST
Shared address
→
CONSTRUCT ME
Shared address
→
CONVIDENCIA
Shared address
→
CSE 3
Shared address
→
CSE H2
Shared address
→
CVO-EUROPE
Shared address
→
DEM GROUP
Shared address
→
DOURIMMO
Shared address
→
EQUILIS BELGIUM
Shared address
→
EQUILIS GST
Shared address
→
EURECA BENELUX
Shared address
→
→
FIVINCO
Shared address
→
Gills Tech
Shared address
→
→
HD17 HOLDING
Shared address
→
HD17 IMMO
Shared address
→
HOLDMONS
Shared address
→
HOLDSENEF
Shared address
→
J²D Patrimoine
Shared address
→
→
MEDIA 112
Shared address
→
NESPART
Shared address
→
NEW MECCO
Shared address
→
OBTENTIO EUROPE
Shared address
→
→
OTTIGNIMMO
Shared address
→
Prodware Belgium
Shared address
→
SILLY EQUILIS
Shared address
→
SNF RESI
Shared address
→
SOLUFINANCE
Shared address
→
Solufinance Hainaut
Shared address
→
SUPALI
Shared address
→
TAMET
Shared address
→
TRAZ PARK
Shared address
→
Victoria Equity
Shared address
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.

Locations & real estate

Parcels1
Ground area1.0 ha
Buildings1
Building footprint1,772 m²
Volume (LiDAR)33,713 m³
Tallest building22.9 m · ±6 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 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25763M0621/00F000indicative Wallonia 1.0 ha 1 · 1,772 m² 22.9 m · 6 fl.
Methodology
via registered seat: 1
0 of 1 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
Address history · 3
04-06-2026
Seat change: to: Drève Richelle 161 – Bâtiment K – Office Park – 1410 Waterloo, from: Onze-Lieve-Vrouw-Voorplein 1, 1640 Sint-Genesius-Rode, effective_date: 2026-06-01
04-06-2026
Seat change: new_address: Drève Richelle 161 - Bâtiment K - Office Park – 1410 Waterloo, effective_date: 2026-06-01
25-09-2024
v3.2
All acts · 4 updated 2 months ago
2026
04-06-2026 Notarial deed · General meeting · Seat change · Statute amendment Open-capture extraction
  • Filing: 2026-06-02 · NDJ CONSTRUCT
  • Publication: 2026-06-04 · NDJ CONSTRUCT
  • Notarial deed: 2026-06-01 · NDJ CONSTRUCT
  • General meeting: 2026-06-01 · NDJ CONSTRUCT
  • Seat change: to: Drève Richelle 161 – Bâtiment K – Office Park – 1410 Waterloo, from: Onze-Lieve-Vrouw-Voorplein 1, 1640 Sint-Genesius-Rode, effective_date: 2026-06-01 · NDJ CONSTRUCT
  • Statute amendment: Adoption d'un nouveau texte des statuts en français · NDJ CONSTRUCT
  • Power of attorney: administrateur unique · NDJ CONSTRUCT
  • Representation rule: Chaque administrateur - aussi lorsqu'il y en a plusieurs - représente la société vis-à-vis de tiers · NDJ CONSTRUCT
  • Annual meeting schedule: le deuxième vendredi du mois de juin à dix-huit (18) heures · NDJ CONSTRUCT
  • First fiscal year: 1er janvier au 31 décembre · NDJ CONSTRUCT
  • Governance rule: En cas d'existence de deux administrateurs ils exerceront l'administration conjointement. · NDJ CONSTRUCT
  • Governance rule: En cas d'existence de trois ou de plusieurs administrateurs, ils formeront un collège qui désigne un président · NDJ CONSTRUCT
  • Act object: MAATSCHAPPELIJKE ZETEL, STATUTEN (VERTALING,
Summary: Notarial deed · General meeting · Seat change · Statute amendment
04-06-2026 General meeting · Seat change · Statute amendment · Notarial deed Open-capture extraction·Peter VAN MELKEBEKE
  • Filing: 2026-06-02 · NDJ CONSTRUCT
  • Publication: 2026-06-04 · NDJ CONSTRUCT
  • General meeting: 2026-06-01 · NDJ CONSTRUCT
  • Seat change: new_address: Drève Richelle 161 - Bâtiment K - Office Park – 1410 Waterloo, effective_date: 2026-06-01 · NDJ CONSTRUCT
  • Statute amendment: deed_date: 2026-06-01, description: VERTALING, COORDINATIE, OVERIGE WIJZIGINGEN · NDJ CONSTRUCT
  • Notarial deed: 2026-06-01 · NDJ CONSTRUCT
  • Act object: 1640 Sint-Genesius-Rode
Summary: General meeting · Seat change · Statute amendment · Notarial deedNotary: Peter VAN MELKEBEKE
2024
25-09-2024 Registered office moved to Sint-Genesius-Rode Registered-office change
  • Onze-Lieve-Vrouw-Voorplein 1, 1640 Sint-Genesius-Rode
Summary: v3.2
2023
14-06-2023 Incorporation of a new BV Incorporation
Summary: oprichting

Analysis

Snowflake analysis

financial profile on 5 axes
Health76Profitability100Solvency27Growth78Stability94
75 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 76
Profitability 100
Solvency 27
Growth 78
Stability 94

Ask AI about this company

Checked AI

Soon: ask questions about this dossier, risks, curator, sector comparison, answered from the official data on this page.

TryWhat are the main risks?Any recent red flags?Compare to sector peers
Coming soon

AI due-diligence brief

Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Same sector, ranked by comparable size

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Algemene bouw van residentiële gebouwen41001Algemene bouw van residentiële gebouwen41201Interieurarchitecten71112Activiteiten van interieurarchitecten71112Slopen43110Slopen43110Loodgieterswerk43221Sanitaire werkzaamheden43221Stukadoorswerk43310Stukadoorswerk43310Overige werkzaamheden in verband met de afwerking van gebouwen43350Overige werkzaamheden in verband met de afwerking van gebouwen43390Metselwerk43910Uitvoeren van metsel- en voegwerken43994
Primary activity highlighted.
Names & trade names
Legal nameFR NDJ CONSTRUCT
Legal nameNL NDJ CONSTRUCT
Registered office
Drève Richelle 161
1410 Waterloo, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.