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PJ CONSTRUCT

Active Private limited companyfounded 2009active for 17 yearsSchutpenning 1, 3980 Tessenderlo-HamKBO/BCE: BE 0811.557.131

Lifetime

16 annual accounts with figures on one time axis
peak €32,596 (2014)
€796▼ 10.9%
lowest -€19,058 (2011)
€279▲ €476
peak €9,913 (2016)
€3,225▲ 9.5%
€647▼ 40.5%
Board1 name since 2021
Documentsfilings and deeds
26-06-202635 days before the deadline
2025micro format
Back to profit: €279Debts from €1,088 to €647Cash from €367 to €35

Key points

from the 2025 annual accounts

Turnover

≈ €4,700 estimated

The accounts state no turnover.

Filings

16 annual accounts since 2010
AprilJune31 JulyOctober2010201520202025

Three of the last ten came late. The 2019 accounts came latest: 236 days after the end of the period.

Position in the sector

€3,225

Less equity than 83% of companies in office administrative support. Sector median €53,928 · 9,708 companies.

Checked score

92
Excellent
Financially stronger than 51% of micro companies in office administrative support (NACE 82)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: 0.2% across 12,672 companies (NACE 82, micro).

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: < 0.1% 01-2025: < 0.1%● unchanged vs 12-2024lowest value 02-2025: < 0.1%● unchanged vs 01-2025lowest value 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: 0.1%▲ +0.1 percentage points vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026highest value 08-2026: 0.1%● unchanged vs 07-2026highest value 09-2026: 0.1%● unchanged vs 08-2026highest value 10-2026: 0.1%● unchanged vs 09-2026highest value 11-2026: 0.1%● unchanged vs 10-2026highest value

Financial strength
Strong

100+2equity 83.3% of total assets
47-4short-term debt 16.7% · cash 0.9%
56+31return on assets 7.2%

Score breakdown

raises risk
Liquidity: current ratio 5.98, cash €35, halved
lowers risk
Founded in 2009
Figures for financial year 2025 (filed on 26-06-2026)
Sector: Office administrative, office support and other business support activities (NACE 82)
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 82, micro). It does better than 88% of them on solvency, 31% on liquidity, 29% on profitability and 55% 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, 34,693 companies had the same profile as PJ CONSTRUCT has now. Each dot stands for 87 companies, two years later.

95.3%
were still trading
3.9%
stopped another way
0.7%
went bankrupt
  • Micro
  • 10 to 20 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more

That fits the bankruptcy probability of PJ CONSTRUCT itself: 0.1% 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.

The companies in ten equal groups, from the lowest to the highest expected share
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 34,693 companies, not a prediction for PJ 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.

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
raises risk · Liquidity: current ratio 5.98, cash €35, halved
NBB · annual accounts
lowers risk · Founded in 2009
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Figures for financial year 2025 (filed on 26-06-2026)
NBB · annual accounts
lowers risk · Sector: Office administrative, office support and other business support activities (NACE 82)
KBO
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 26-06-2026, 35 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
35 days early
2024
55 days early
2023
6 days early
2022
3 days early
2021
11 days late
2020
89 days late
2019
236 days late
← 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 34 days after the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% 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 26 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Recent changes

Registered in the Peppol Directory Reachable for e-invoices through 0208:0811557131
Change of role: JACOBS Patrick François Pierrette, from manager to director Director discharge: JACOBS Patrick François Pierrette · General meeting of 19-12-2023 · Gazette deed
Incorporation published on 14-05-2009 · Gazette deed
First establishment Schutpenning 1, Tessenderlo-Ham
All 28 events

Comparable companies

same main activity, similar in size and age
Company
PJ CONSTRUCT Tessenderlo-Ham €3,872 €796 83.3% -
RED ROSE BEHEER Hamont-Achel €5,083 -€9,026 -207.0% -
L.DISTRIBUTION Merchtem €3,744 -€2,225 -718.1% -
HALO Lessines €3,842 -€2,778 -2039.6% -
GO MANAGEMENT Braine-le-Comte €3,194 -€2,939 -844.6% -
WITTH Lubbeek €3,190 -€3,493 -614.4% -
HELIDYN Schaerbeek €2,744 -€21,818 -1149.6% -

These companies have the same main activity as PJ CONSTRUCT: other business support services (NACE 82990). They are comparable in size and age: total assets between €2,740 and €5,080, founded between 2007 and 2011.

Official details

Source: KBO
Status
Active since 06-05-2009Normal situation
Activity
Other business support servicesNACE 82990
Establishment unit
2.183.131.0923980 Tessenderlo-Ham, since 06-05-2009
Financial year end
31 December
Peppol
Reachable since 31-07-2025
Company details

Annual accounts 2025

€3,872▼ 4.0%
Filing
Filed on 26-06-2026, 35 days before the end of the filing period
Financials

Insights on PJ CONSTRUCT

PJ CONSTRUCT files the micro format. That format states no turnover. The gross margin fell from €14,811 in 2010 to €796 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 PJ CONSTRUCT

What is the company number of PJ CONSTRUCT?
The company number of PJ CONSTRUCT is 0811.557.131. The VAT number is the same number with BE in front: BE 0811.557.131.
Where is PJ CONSTRUCT based?
The registered office is at Schutpenning 1, 3980 Tessenderlo-Ham.Company details
What does PJ CONSTRUCT do?
According to the KBO register, the main activity is other business support services (NACE 82990).
What is the legal form of PJ CONSTRUCT?
PJ CONSTRUCT is a private limited company (BV).
When was PJ CONSTRUCT founded?
PJ CONSTRUCT was founded on 06-05-2009.
Is PJ CONSTRUCT still active?
Yes, PJ CONSTRUCT is an active enterprise in the KBO register.
What is the turnover of PJ CONSTRUCT?
The turnover in financial year 2025 is ≈ €4,700. This figure is estimated from the gross margin of €796 and 44 comparable companies (NACE 82990). It probably lies between €2,400 and €9,000. It is a rough estimate.Financials
Is PJ CONSTRUCT profitable?
In financial year 2025, PJ CONSTRUCT made a profit of €279.
Where can I find the annual accounts of PJ CONSTRUCT?
PJ CONSTRUCT filed 16 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of PJ CONSTRUCT due?
PJ CONSTRUCT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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