PJV Construct
ActivePJV Construct has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €48k and a net result of €793. Equity is growing by ~8.9% per year across the filed fiscal years. Its solvency ranks better than 81% of 7332 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability22▼-17
Solvency98▲+7
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 4.21 against 3.32 in 2024; short-term debt: 22.8% and cash: 8.4% of total assets), and 26.6% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
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
73.4%
Return on assets
1.2%
Age of the figures
9 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 31-08-2026, 31 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
31 d late
2024
29 d early
2023
2 d early
2022
32 d late
2021
86 d late
2020
27 d late
2019
8 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€48k▲ 1.7%
2024 · €48k
2018: €29k
2019: €29k
2020: €32k
2021: €49k
2022: €55k
2023: €44k
2024: €48k
2018 → 2025
Total assets
€66k▼ 8.5%
2024 · €72k
2018: €57k
2019: €50k
2020: €50k
2021: €69k
2022: €77k
2023: €68k
2024: €72k
2018 → 2025
Net result
€793▼ 76.2%
2024 · €3k
2018: €1k
2019: €245
2020: €3k
2021: €20k
2022: €6k
2023: €-11k
2024: €3k
2018 → 2025
Working capital
€48k▼ 1.2%
2024 · €49k
2018: €31k
2019: €27k
2020: €29k
2021: €46k
2022: €53k
2023: €44k
2024: €49k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€49k-€55k▲ 13.1%€44k▼ 19.4%€48k▲ 7.5%€48k▲ 1.7%
Operating result€24k-€8k▼ 68.4%€-12k€3k€-453
Net result€20k-€6k▼ 68.4%€-11k€3k€793▼ 76.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €453 after €3k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €66k
Fixed assets
€3k▲ 20.9%
Current assets
€63k▼ 9.4%
Equity and liabilities €66k
Equity
€48k▲ 1.7%
Debt
€18k▼ 28.2%
The debt ratio falls from 33.9% to 26.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€260▼
2024 · €4k
Cash flow
€2k▼
2024 · €4k
Solvency
73.4%▲
2024 · 66.1%
Current ratio
4.21▲
2024 · 3.32
Quick ratio
4.21▲
2024 · 3.32
Debt / equity
0.36▼
2024 · 0.51
ROE
1.6%▼
2024 · 7.0%
ROA
1.2%▼
2024 · 4.6%
Interest coverage
0.22▼
2024 · 1.69
Debt
€18k▼
2024 · €24k
Debt ≤ 1 year
€15k▼
2024 · €21k
Income taxes
€339▼
2024 · €617
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€72k€66k▼
Fixed assets21/28€2k€3k▲
Tangible fixed assets22/27€2k€3k▲
Plant, machinery and equipment23-€1k
Other tangible fixed assets26€2k€2k▼
Current assets29/58€70k€63k▼
Amounts receivable within one year40/41€60k€53k▼
Trade receivables40€11k€543▼
Other amounts receivable41€49k€52k▲
Cash at bank and in hand54/58€5€6k▲
Deferred charges and accrued income490/1€9k€5k▼
Equity and liabilities
Total equity and liabilities10/49€72k€66k▼
Equity10/15€48k€48k▲
Contributions10/11€19k€19k=
Reserves13€29k€30k▲
Tax-exempt reserves132€10k€10k=
Distributable reserves133€19k€20k▲
Amounts payable17/49€24k€18k▼
Amounts payable within one year42/48€21k€15k▼
Financial debts43€5k€7k▲
Credit institutions430/8€5k€7k▲
Trade debts44€10k€6k▼
Suppliers440/4€10k€6k▼
Taxes, remuneration and social security45€5k€2k▼
Taxes450/3€5k€2k▼
Accrued charges and deferred income492/3€3k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€530€713▲
Other operating charges640/8€451€518▲
Gross operating margin9900€4k€779▼
Operating profit (loss)9901€3k€-453▼
Financial income75/76B€3k€3k▼
Recurring financial income75€3k€3k▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€4k€1k▼
Income taxes67/77€617€339▼
Profit (loss) for the period9904€3k€793▼
Profit (loss) for the period to be appropriated9905€3k€793▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€793▼
Transfer to equity691/2€3k€793▼
To other reserves6921€3k€793▼
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-11k ▼268%
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
25-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 86 days late
2021
31-12
Financial
Highest result since 2018net €20k ▲499%
Operating result €24k, net result €20k, both a record.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Bierbeek · 1 establishment unit since 2008
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.
Bierbeekstraat 1933360 BierbeekGround area
877 m²
Building footprint
175 m²
Parcel 24053B0287/00D002, Flanders. Linked by address, not a title deed.
1 establishment unit
PJV Construct
since 20082.169.510.809
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24053B0287/00D002 | Flanders | 877 m² | 1 · 175 m² | - |
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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DOMIL
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CSP Toitures
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Of 29,808 companies in sector 41001 we hold annual accounts for 16,038. 13,052 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-03-2008
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43990Other specialised construction activities
43999Specialised construction activities
47521Retail sale of hardware, building materials, paint and glass (general range)
77320Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.