PJ Build
ActivePJ Build has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19k and a net result of €18k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 30% of 543 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▲+51
Solvency47▼-3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.3 against 1.92 in 2024; short-term debt: 69.9% and cash: 2.6% of total assets), and 78.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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 16
Relative position
BE, all sectors
reference
Sector 16
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 19-12-2025, 43 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
43 d early
2024
1 d early
2023
1 d early
2022
42 d early
2021
13 d early
2020
26 d late
2019
717 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€19k▼ 40.5%
2024 · €31k
2019: €2k
2020: €527
2021: €-453
2022: €14k
2023: €27k
2024: €31k
2019 → 2025
Total assets
€85k▼ 30.9%
2024 · €123k
2019: €6k
2020: €1k
2021: €744
2022: €70k
2023: €106k
2024: €123k
2019 → 2025
Net result
€18k▲ 365%
2024 · €4k
2019: €-4k
2020: €-2k
2021: €-980
2022: €14k
2023: €14k
2024: €4k
2019 → 2025
Working capital
€18k▼ 67.1%
2024 · €54k
2019: €2k
2020: €235
2021: €-453
2022: €10k
2023: €17k
2024: €54k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-453-€14k€27k▲ 101%€31k▲ 14.2%€19k▼ 40.5%
Operating result€-960-€18k€17k▼ 3.2%€5k▼ 72.0%€28k▲ 480%
Net result€-980-€14k€14k▼ 1.9%€4k▼ 71.8%€18k▲ 365%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 480% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €85k
Fixed assets
€8k▼ 24.4%
Current assets
€77k▼ 31.5%
Equity and liabilities €85k
Equity
€19k▼ 40.5%
Debt
€66k▼ 27.7%
The debt ratio rises from 74.6% to 78.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€30k▲
2024 · €8k
Cash flow
€21k▲
2024 · €7k
Solvency
21.9%▼
2024 · 25.4%
Current ratio
1.30▼
2024 · 1.92
Quick ratio
1.21▼
2024 · 1.87
Debt / equity
3.57▲
2024 · 2.94
ROE
97.2%▲
2024 · 12.4%
ROA
21.3%▲
2024 · 3.2%
Interest coverage
9.06▲
2024 · 2.56
Debt
€66k▼
2024 · €92k
Debt ≤ 1 year
€59k▲
2024 · €59k
Debt > 1 year
€7k▼
2024 · €33k
Income taxes
€8k▲
2024 · €2k
Staff costs
€11
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€123k€85k▼
Fixed assets21/28€10k€8k▼
Tangible fixed assets22/27€8k€6k▼
Furniture and vehicles24€8k€6k▼
Financial fixed assets28€2k€2k=
Current assets29/58€113k€77k▼
Amounts receivable after more than one year29-€50k
Other amounts receivable291-€50k
Stocks and contracts in progress3€3k€5k▲
Stocks30/36€3k€5k▲
Amounts receivable within one year40/41€105k€20k▼
Trade receivables40€21k€3k▼
Other amounts receivable41€84k€17k▼
Cash at bank and in hand54/58-€2k
Deferred charges and accrued income490/1€5k-
Equity and liabilities
Total equity and liabilities10/49€123k€85k▼
Equity10/15€31k€19k▼
Contributions10/11€6k€19k▲
Reserves13€25k-
Distributable reserves133€25k-
Profit (loss) carried forward14€42-
Amounts payable17/49€92k€66k▼
Amounts payable after more than one year17€33k€7k▼
Financial debts170/4€33k€7k▼
Amounts payable within one year42/48€59k€59k▲
Current portion of amounts payable after more than one year42€3k€4k▲
Financial debts43€11k-
Credit institutions430/8€11k-
Trade debts44€35k€42k▲
Suppliers440/4€35k€42k▲
Taxes, remuneration and social security45€11k€14k▲
Taxes450/3€11k€14k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€11
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Other operating charges640/8€607€508▼
Gross operating margin9900€8k€31k▲
Operating profit (loss)9901€5k€28k▲
Financial income75/76B€4k€2k▼
Recurring financial income75€4k€2k▼
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€6k€26k▲
Income taxes67/77€2k€8k▲
Profit (loss) for the period9904€4k€18k▲
Profit (loss) for the period to be appropriated9905€4k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€4k€18k▲
Profit (loss) brought forward from the previous period14P€42€42=
Transfer from equity791/2-€43k
Transfer to equity691/2€4k€18k▲
To other reserves6921€4k€18k▲
Profit to be distributed694/7-€43k
Return on contributions (dividend)694-€43k
The notes to these accounts (7 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
2025
19-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Highest result since 2019net €18k ▲365%
Operating result €28k, net result €18k, both a record.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
20-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Back to profitnet €14k
Net result €14k after 3 loss-making years.
18-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
17-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 717 days late
2021
26-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Roeselare · 1 establishment unit since 2018
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.
Kachtemsestraat 2478800 RoeselareGround area
906 m²
Building footprint
183 m²
Volume, LiDAR
624 m³
Parcel 36502B1685/00T002, Flanders · tallest building 5.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
PJ Build
since 20182.329.101.642
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36502B1685/00T002 | Flanders | 906 m² | 1 · 183 m² | 5.1 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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CONTOURS
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K&K UMMELS
BE 0794.169.880
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DENISON MENUISERIE CHASSIS
BE 0817.578.653
Florennes · Eq €18k
ATELIER DEPREZ
BE 0476.064.914
Avelgem · Eq €18k
Of 1,599 companies in sector 16230 we hold annual accounts for 783. 448 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-06-2018
Fiscal year end30-06
Activities, NACEBEL
16230Manufacture of other builders' carpentry and joinery
16110Sawmilling and planing of wood
25120Manufacture of fabricated metal products, except machinery and equipment
31001Manufacture of furniture
41003General construction of other non-residential buildings
43310Plastering work
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.