Equity
€397,469 from €777,620 in 2023
Equity fell by 49% in 2 years.
P.T.J. CONSTRUCT
Lifetime
19 annual accounts with figures on one time axispeak €368,012 (2017)
-€6,275▲ €26,701
lowest -€338,195 (2025)
-€338,195▼ €296,239
peak €777,620 (2023)
€397,469▼ 46.0%
€317,515▼ 56.2%
peak 0 FTE (2023)
0 FTE
Board1 name since 2007
-
Documentsfilings and deeds
09-07-202622 days before the deadline
2025abbreviated format
Gross margin from -€32,976 to -€6,275Loss of €338,195Equity from €735,664 to €397,469Debts from €724,487 to €317,515Cash from €2,978 to €13,696
Key points
from the 2025 annual accountsResult
-€338,195 ▼ 706%
The result fell in 2025 from -€41,956 to -€338,195.
Investments
€4,337 3.0 × depreciation
Green is investment, beige is depreciation.
Filings
19 annual accounts since 2007
The last five annual accounts were filed 22 to 34 days before the end of the period.
Subsidiaries
-€79,024
Subsidiary with negative equity. IMMO-NOORD · loss of €72,459 in 2024.
Position in the sector
-€338,195
Lower net result than 95% of companies in real estate. Sector median €9,997 · 11,290 companies.
Turnover not published (abbreviated or micro format)
Checked score
81
Excellent
Financially stronger than 28% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,626 companies (NACE 68, micro).
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%lowest value
01-2025: 0.2%● unchanged vs 12-2024lowest value
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025
08-2025: 0.2%● unchanged vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.3%▲ +0.1 percentage points vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.4%▲ +0.1 percentage points vs 07-2026highest value
09-2026: 0.4%● unchanged vs 08-2026highest value
10-2026: 0.4%● unchanged vs 09-2026highest value
11-2026: 0.4%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Loss of €338,195, the second in a row (financial year 2025)
Liquidity: current ratio 2.46, cash €13,696
lowers risk
Size: total assets €714,984
Figures for financial year 2025 (filed on 09-07-2026)
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 68, micro). It does better than 68% of them on solvency, 26% on liquidity, 4% on profitability and 12% on growth.
The bankruptcy probability was computed on 09-11-2026 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 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% 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, 376 companies had the same profile as P.T.J. CONSTRUCT has now. Each dot is one company, two years later.
91.8%
were still trading
7.2%
stopped another way
0.8%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of P.T.J. CONSTRUCT itself: 0.4% 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 376 companies, not a prediction for P.T.J. 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 of up to €30,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.46 (1.64 in 2024), above the usual 1.5. Short-term debt is 40.6% and cash 1.9% of total assets. 44.4% 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 riskneutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€338,195
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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 days early
2024
34 days early
2023
34 days early
2022
31 days early
2021
32 days early
2020
31 days early
2019
31 days early
← 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 31 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 June (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
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0887993725
Change of role: KERKHOFS Pascal Jozef, from manager to director
General meeting of 13-11-2023 · Gazette deed
Registered-office move
Director in office: KerkhofsPascal (manager) · General meeting of 02-09-2019 · Gazette deed
First establishment
Krekeldries 5, Genk
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| P.T.J. CONSTRUCT Genk | €714,984 | -€6,275 | 55.6% | 0 |
| DUOBUILD Genk | €552,578 | -€3,793 | 51.8% | 0 |
| Stylio Bilzen-Hoeselt | €993,173 | -€74,841 | 90.3% | 0 |
| JAPA Immoservice Bilzen-Hoeselt | €379,648 | -€7,283 | 5.4% | 0 |
| GOVIMMO Hasselt | €530,252 | €592 | 2.1% | 0.7 |
| ALESNA Aalst | €370,409 | -€5,102 | 9.9% | 0 |
| BUCEPHALUS Zwevegem | €700,830 | -€32,065 | -3.8% | 0 |
These companies have the same main activity as P.T.J. CONSTRUCT: real estate agency activities (NACE 68310). They are comparable in size and age: total assets between €370,000 and €993,000, founded between 2002 and 2015.
Official details
Source: KBO- Status
- Active since 09-03-2007Normal situation
- Activity
- Real estate agency activitiesNACE 68310
- Establishment unit
- 2.161.142.3803600 Genk, since 05-04-2007
- Financial year end
- 31 December
- Peppol
- Reachable since 27-11-2025
Annual accounts 2025
- €714,984▼ 51.0%
- Filing
- Filed on 09-07-2026, 22 days before the end of the filing period
Insights on P.T.J. CONSTRUCT
P.T.J. CONSTRUCT files the abbreviated format. That format states no turnover. The gross margin rose from -€6,738 in 2007 to -€6,275 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 P.T.J. CONSTRUCT
- What is the company number of P.T.J. CONSTRUCT?
- The company number of P.T.J. CONSTRUCT is 0887.993.725. The VAT number is the same number with BE in front: BE 0887.993.725.
- Where is P.T.J. CONSTRUCT based?
- The registered office is at Krekeldries 5, 3600 Genk.Company details
- What does P.T.J. CONSTRUCT do?
- According to the KBO register, the main activity is real estate agency activities (NACE 68310).
- What is the legal form of P.T.J. CONSTRUCT?
- P.T.J. CONSTRUCT is a private limited company (BV).
- When was P.T.J. CONSTRUCT founded?
- P.T.J. CONSTRUCT was founded on 09-03-2007.
- Is P.T.J. CONSTRUCT still active?
- Yes, P.T.J. CONSTRUCT is an active enterprise in the KBO register.
- What is the turnover of P.T.J. CONSTRUCT?
- The annual accounts for financial year 2025 state no turnover. The abbreviated or micro format does not require it.Financials
- Is P.T.J. CONSTRUCT profitable?
- In financial year 2025, P.T.J. CONSTRUCT made a loss of €338,195.
- Where can I find the annual accounts of P.T.J. CONSTRUCT?
- P.T.J. CONSTRUCT filed 19 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of P.T.J. CONSTRUCT due?
- P.T.J. CONSTRUCT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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