PJ
ActiveThe computed 12-month bankruptcy probability of PJ is 1.5% (moderate). The 2025 annual accounts show equity of €63k and a net result of €8k. Equity is growing by ~31.3% per year across the filed fiscal years. Its solvency ranks better than 84% of 27319 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
93
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability60▼-17
Solvency100=
Growth85=
Stability100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 4.24 against 3.11 in 2024), and 20.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
79.1%
Return on assets
9.5%
Age of the figures
8 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
5 d early
2023
14 d late
2022
26 d early
2021
45 d early
2020
28 d early
2019
32 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€261k▲ 31.8%
2022 · €198k
2020: €65k
2021: €127k
2022: €198k
2020 → 2023
EBIT margin
10.5%▲ 6.9pp
2022 · 3.6%
2020: 16.5%
2021: 8.4%
2022: 3.6%
2020 → 2023
Net result
€8k▼ 11.2%
2024 · €8k
2018: €-2k
2019: €-1k
2020: €9k
2021: €8k
2022: €5k
2023: €19k
2024: €8k
2018 → 2025
Working capital
€54k▲ 19.9%
2024 · €45k
2018: €13k
2019: €12k
2020: €13k
2021: €15k
2022: €8k
2023: €32k
2024: €45k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€127k-€198k▲ 56.2%€261k▲ 31.8%
Equity€23k-€28k▲ 21.2%€47k▲ 66.4%€55k▲ 18.2%€63k▲ 13.7%
Operating result€11k-€7k▼ 32.5%€27k▲ 284%€13k▼ 52.3%€12k▼ 9.5%
Net result€8k-€5k▼ 39.2%€19k▲ 279%€8k▼ 54.4%€8k▼ 11.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €79k
Fixed assets
€9k▼ 12.9%
Current assets
€70k▲ 6.4%
Equity and liabilities €79k
Equity
€63k▲ 13.7%
Debt
€17k▼ 22.1%
The debt ratio falls from 27.8% to 20.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€15k▼
2024 · €17k
Cash flow
€11k▼
2024 · €12k
Solvency
79.1%▲
2024 · 72.2%
Current ratio
4.24▲
2024 · 3.11
Quick ratio
4.24▲
2024 · 3.11
Debt / equity
0.26▼
2024 · 0.38
ROE
12.0%▼
2024 · 15.4%
ROA
9.5%▼
2024 · 11.1%
Interest coverage
18.79▼
2024 · 20.44
Debt
€17k▼
2024 · €21k
Debt ≤ 1 year
€17k▼
2024 · €21k
Income taxes
€3k▼
2024 · €4k
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€76k€79k▲
Fixed assets21/28€10k€9k▼
Tangible fixed assets22/27€8k€6k▼
Plant, machinery and equipment23€156-
Furniture and vehicles24€7k€6k▼
Financial fixed assets28€3k€3k=
Current assets29/58€66k€70k▲
Amounts receivable within one year40/41€33k€37k▲
Trade receivables40€15k€17k▲
Other amounts receivable41€18k€20k▲
Cash at bank and in hand54/58€30k€30k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€76k€79k▲
Equity10/15€55k€63k▲
Contributions10/11€6k€6k=
Reserves13€34k€41k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€32k€39k▲
Profit (loss) carried forward14€15k€15k=
Amounts payable17/49€21k€17k▼
Amounts payable within one year42/48€21k€17k▼
Current portion of amounts payable after more than one year42€13k€7k▼
Trade debts44€8k€9k▲
Suppliers440/4€8k€9k▲
Taxes, remuneration and social security45€429€28▼
Remuneration and social security454/9€429€28▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▼
Other operating charges640/8€387€527▲
Gross operating margin9900€17k€16k▼
Operating profit (loss)9901€13k€12k▼
Financial income75/76B€1€4▲
Recurring financial income75€1€4▲
Financial charges65/66B€825€819▼
Recurring financial charges65€825€819▼
Profit (loss) for the period before taxes9903€12k€11k▼
Income taxes67/77€4k€3k▼
Profit (loss) for the period9904€8k€8k▼
Profit (loss) for the period to be appropriated9905€8k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€24k€23k▼
Profit (loss) brought forward from the previous period14P€15k€15k=
Transfer to equity691/2€8k€8k▼
To other reserves6921€8k€8k▼
The notes to these accounts (6 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2023
31-12
Financial
Highest result since 2018net €19k ▲279%
Operating result €27k, net result €19k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.66
Current ratio from 1.28 to 2.66; short-term debt falls from €30k to €20k.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
03-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
08-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 69 days late
2018
16-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 77 days late
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 57 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Ukkel · 1 establishment unit since 2014
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.
Coghenlaan 1351180 UkkelGround area
467 m²
Building footprint
263 m²
Volume, LiDAR
4,111 m³
2 parcels, Brussels · tallest building 19.9 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
PJ
since 20142.225.906.609
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21016B0196/00P003 | Brussels | 286 m² | 1 · 183 m² | 19.9 m · 6 fl. |
| 21616A0267/00Z034 | Brussels | 181 m² | 1 · 80 m² | 18.2 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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SELI
BE 1003.480.737
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Of 15,437 companies in sector 43990 we hold annual accounts for 7,356. 6,133 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-12-2013
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
43120Site preparation
43230Insulation installation
43291Specialised construction activities
43320Joinery installation
43992Specialised construction activities
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.