PJM CONSTRUCT
ActivePJM CONSTRUCT has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €127k and a net result of €26k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 28% of 13882 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
76
/ 100
Excellent▲ +44 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency38▲+1
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
balance sheet total too small for a liquidity verdict, and 93.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
6.6%
Return on assets
1.4%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 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.
NBB · 7 filingsDeviation from the deadline
2025
13 d late
2024
29 d late
2023
35 d early
2022
54 d early
2021
24 d late
2020
30 d early
2019
122 d late
← 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
Equity
€127k▲ 26.1%
2024 · €101k
2019: €-15k
2020: €-31k
2021: €109k
2022: €125k
2023: €126k
2024: €101k
2019 → 2025
Total assets
€1.93M▲ 18.3%
2024 · €1.63M
2019: €119k
2020: €605k
2021: €295k
2022: €396k
2023: €238k
2024: €1.63M
2019 → 2025
Net result
€26k
2024 · €-25k
2019: €-35k
2020: €-16k
2021: €140k
2022: €16k
2023: €597
2024: €-25k
2019 → 2025
Working capital
€1.90M▲ 18.2%
2024 · €1.61M
2019: €-130k
2020: €-31k
2021: €109k
2022: €125k
2023: €126k
2024: €1.61M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€109k-€125k▲ 14.6%€126k▲ 0.5%€101k▼ 19.6%€127k▲ 26.1%
Operating result€161k-€20k▼ 87.4%€776▼ 96.2%€-24k€6k
Net result€140k-€16k▼ 88.6%€597▼ 96.3%€-25k€26k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €6k after a loss of €24k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.93M
Fixed assets
€13k▲ 1,446%
Current assets
€1.91M▲ 17.6%
Equity and liabilities €1.93M
Equity
€127k▲ 26.1%
Debt
€1.80M▲ 17.8%
The debt ratio falls from 93.8% to 93.4%: equity grows faster than debt.
Key figures and ratios
EBITDA
€7k▲
2024 · €-24k
Cash flow
€27k▲
2024 · €-24k
Solvency
6.6%▲
2024 · 6.2%
Quick ratio
57.83▼
2024 · 74.17
Debt / equity
14.16▼
2024 · 15.15
ROE
20.7%▲
2024 · -24.4%
ROA
1.4%▲
2024 · -1.5%
Interest coverage
1.54▲
2024 · -2.89
Debt
€1.80M▲
2024 · €1.53M
Debt ≤ 1 year
€14k▼
2024 · €20k
Debt > 1 year
€1.79M▲
2024 · €1.51M
Income taxes
€415
A ratio outside any meaningful range has been withheld (balance sheet total €1.93M, equity €127k).
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€1.63M€1.93M▲
Fixed assets21/28€853€13k▲
Tangible fixed assets22/27€853€13k▲
Plant, machinery and equipment23€853€3k▲
Furniture and vehicles24-€10k
Current assets29/58€1.63M€1.91M▲
Stocks and contracts in progress3€114k€1.12M▲
Stocks30/36€114k€1.12M▲
Amounts receivable within one year40/41€767k€765k▼
Trade receivables40€6k€1k▼
Other amounts receivable41€761k€764k▲
Current investments50/53€710k-
Cash at bank and in hand54/58€20k€17k▼
Deferred charges and accrued income490/1€18k€13k▼
Equity and liabilities
Total equity and liabilities10/49€1.63M€1.93M▲
Equity10/15€101k€127k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€81k€107k▲
Amounts payable17/49€1.53M€1.80M▲
Amounts payable after more than one year17€1.51M€1.79M▲
Financial debts170/4€1.51M€1.79M▲
Amounts payable within one year42/48€20k€14k▼
Trade debts44€5k-
Suppliers440/4€5k-
Taxes, remuneration and social security45€87€731▲
Taxes450/3€87€731▲
Other amounts payable47/48€16k€13k▼
Accrued charges and deferred income492/3-€122
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€171€706▲
Other operating charges640/8€521€755▲
Gross operating margin9900€-23k€8k▲
Operating profit (loss)9901€-24k€6k▲
Financial income75/76B€7k€25k▲
Recurring financial income75€7k€25k▲
Financial charges65/66B€8k€5k▼
Recurring financial charges65€8k€5k▼
Profit (loss) for the period before taxes9903€-25k€27k▲
Income taxes67/77-€415
Profit (loss) for the period9904€-25k€26k▲
Profit (loss) for the period to be appropriated9905€-25k€26k▲
Appropriation of the result
Profit (loss) to be appropriated9906€81k€107k▲
Profit (loss) brought forward from the previous period14P€106k€81k▼
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
13-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 13 days late
2025
31-12
Financial
Back to profitnet €26k
Net result €26k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Liquidity times 38current ratio 79.73
Current ratio from 2.11 to 79.73; short-term debt falls from €113k to €20k.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Back to profitnet €140k
Net result €140k after 2 loss-making years.
31-12
Financial
Equity above €100kEq €109k
Equity rises from €-31k to €109k.
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Oostkamp · 1 establishment unit since 2019
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.
Wingensestraat 508020 OostkampGround area
1,148 m²
Building footprint
241 m²
Volume, LiDAR
9 m³
Parcel 31009C0004/00C000, Flanders · tallest building 1.1 m. Linked by address, not a title deed.
1 establishment unit
PJM CONSTRUCT
since 20192.289.622.741
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31009C0004/00C000 | Flanders | 1,147 m² | 1 · 241 m² | 1.1 m |
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.
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Of 9,635 companies in sector 68121 we hold annual accounts for 7,327. 5,305 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-05-2019
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.