PJR CONSTRUCT
ActiveSummary
PJR CONSTRUCT has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €75,191 and a net result of -€3,802. Equity is shrinking by ~8.9% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability32▲+4
Solvency66▼-4
Growth32=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,000 at 30 days acceptable
Liquidity ample (current ratio 3.86 against 4.88 in 2024; short-term debt: 25.9% and cash: 0% of total assets), but 58.8% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
41.2%
Return on assets
-2.1%
Age of the figures
9 mo
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 -€3,802
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 10 filingsDeviation from the deadline
2025
30 d late
2024
49 d late
2023
46 d early
2022
30 d late
2021
24 d early
2020
222 d late
2019
587 d late
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 121 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (2)
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. Usually files around 30 August (4 of the last 5 filed years within 54 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, abbreviated schema
Equity
€75,191▼ 4.8%
2024 · €78,994
Total assets
€182,443▲ 4.4%
2024 · €174,827
Net result
-€3,802▲ 45.4%
2024 · -€6,959
Working capital
€135,191▼ 2.7%
2024 · €138,994
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€25,788▼ 978%-€2,099▲ 91.9%-€1,771▲ 15.6%-€3,026▼ 70.8%-€3,480▼ 15.0%
Net result-€25,788▼ 978%-€2,099▲ 91.9%-€15,852▼ 655%-€6,959▲ 56.1%-€3,802▲ 45.4%
Equity€103,903▼ 19.9%€101,805▼ 2.0%€85,953▼ 15.6%€78,994▼ 8.1%€75,191▼ 4.8%
Total assets€134,559▼ 15.9%€134,559=€134,559=€174,827▲ 29.9%€182,443▲ 4.4%
Debt€30,656▲ 1.1%€32,754▲ 6.8%€48,607▲ 48.4%€95,833▲ 97.2%€107,251▲ 11.9%
Working capital€103,903€101,805▼ 2.0%€85,953▼ 15.6%€138,994▲ 61.7%€135,191▼ 2.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3,480 in 2025 against €3,026 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €182,443
Equity
€75,191 ▼ 4.8%
Debt
€107,251 ▲ 11.9%
Debt's share of the balance-sheet total rises from 54.8% to 58.8%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
3.86▼
2024 · 4.88
Quick ratio
2.87▼
2024 · 3.77
Debt to equity
1.43▲
2024 · 1.21
ROE
-5.1%▲
2024 · -8.8%
ROA
-2.1%▲
2024 · -4.0%
Debt ≤ 1 year
€47,251▲
2024 · €35,833
Debt > 1 year
€60,000=
2024 · €60,000
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,915 companies that looked in July 2024 the way this one looks now, 1.1% went bankrupt within 24 months and 91% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a small loss
1.1%
went bankrupt
7.8%
stopped otherwise
91%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.8% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,915 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | €473 | €348 | €384 | €17 | - | - |
| Non-recurring operating charges66A | €20,000 | - | - | - | - | - |
| Gross operating margin9900 | -€5,316 | -€1,751 | -€1,387 | -€3,010 | -€3,480 | ▼ 15.6% |
| Operating profit (loss)9901 | -€25,788 | -€2,099 | -€1,771 | -€3,026 | -€3,480 | ▼ 15.0% |
| Financial income75/76B | - | - | - | €0 | - | - |
| Recurring financial income75 | - | - | - | €0 | - | - |
| Financial charges65/66B | - | - | €1,197 | €3,933 | €322 | ▼ 91.8% |
| Recurring financial charges65 | - | - | €1,197 | €3,933 | €322 | ▼ 91.8% |
| Profit (loss) for the period before taxes9903 | -€25,788 | -€2,099 | -€2,969 | -€6,959 | -€3,802 | ▲ 45.4% |
| Income taxes67/77 | - | - | €12,883 | - | - | - |
| Profit (loss) for the period9904 | -€25,788 | -€2,099 | -€15,852 | -€6,959 | -€3,802 | ▲ 45.4% |
| Profit (loss) for the period to be appropriated9905 | -€25,788 | -€2,099 | -€15,852 | -€6,959 | -€3,802 | ▲ 45.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €134,559 | €134,559 | €134,559 | €174,827 | €182,443 | ▲ 4.4% |
| Current assets29/58 | €134,559 | €134,559 | €134,559 | €174,827 | €182,443 | ▲ 4.4% |
| Stocks and contracts in progress3 | - | - | - | €39,751 | €46,958 | ▲ 18.1% |
| Stocks30/36 | - | - | - | €39,751 | €46,958 | ▲ 18.1% |
| Amounts receivable within one year40/41 | €134,559 | €134,559 | €134,559 | €134,559 | €134,934 | ▲ 0.3% |
| Trade receivables40 | - | - | - | - | €375 | - |
| Other amounts receivable41 | €134,559 | €134,559 | €134,559 | €134,559 | €134,559 | = |
| Cash at bank and in hand54/58 | - | - | - | €516 | €38 | ▼ 92.6% |
| Deferred charges and accrued income490/1 | - | - | - | - | €512 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €134,559 | €134,559 | €134,559 | €174,827 | €182,443 | ▲ 4.4% |
| Equity10/15 | €103,903 | €101,805 | €85,953 | €78,994 | €75,191 | ▼ 4.8% |
| Contributions10/11 | €162,000 | €162,000 | €162,000 | €162,000 | €162,000 | = |
| Capital10 | €162,000 | €162,000 | €162,000 | €162,000 | €162,000 | = |
| Issued capital100 | €162,000 | €162,000 | €162,000 | €162,000 | €162,000 | = |
| Profit (loss) carried forward14 | -€58,097 | -€60,195 | -€76,047 | -€83,006 | -€86,809 | ▼ 4.6% |
| Amounts payable17/49 | €30,656 | €32,754 | €48,607 | €95,833 | €107,251 | ▲ 11.9% |
| Amounts payable after more than one year17 | - | - | - | €60,000 | €60,000 | = |
| Financial debts170/4 | - | - | - | €60,000 | €60,000 | = |
| Amounts payable within one year42/48 | €30,656 | €32,754 | €48,607 | €35,833 | €47,251 | ▲ 31.9% |
| Trade debts44 | €1,784 | €1,089 | €697 | €110 | €62 | ▼ 43.5% |
| Suppliers440/4 | €1,784 | €1,089 | €697 | €110 | €62 | ▼ 43.5% |
| Other amounts payable47/48 | €28,872 | €31,665 | €47,909 | €35,723 | €47,189 | ▲ 32.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€25,788 | -€2,099 | -€15,852 | -€6,959 | -€3,802 | ▲ 45.4% |
| Operating cash flow (approximation) | -€25,788 | -€2,099 | -€15,852 | -€6,959 | -€3,802 | ▲ 45.4% |
| Change in cash | - | - | - | - | -€478 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 30 days late
2025
18-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 49 days late
2024
15-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
10-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 222 days late
10-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 587 days late
2021
31-12
Financial
Weakest financial yearnet -€25,788
Net result drops to -€25,788, the lowest in the series; recovery starts the following year.
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
28-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 301 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Zoutleeuw
Ground area
1,355 m²
Building footprint
138 m²
Volume, LiDAR
740 m³
Parcel 24017B0278/00E000, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24017B0278/00E000 | Flanders | 1,355 m² | 1 · 138 m² | 7.7 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Identification & contact
Identification
Legal formPublic limited company
Founded19-06-2007
Fiscal year end31-12
E-invoicing
Reachable via Peppol
Peppol ID
0208:0890698342
Registered
14-09-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.