Debts
€107,673 78% of the balance sheet
Financial debts 45%Suppliers 33%Taxes and wages 6%Other 16%
Of this, €59,658 falls due within a year.
PUNCTUS
Lifetime
1 annual account with figurespeak €395,034 (2025)
€395,034
peak €25,145 (2025)
€25,145
peak €30,145 (2025)
€30,145
€107,673
Board1 name since 2024
1 directorJURAVLIA Stefan
Documentsfilings and deeds
26-03-202635 days before the deadline
2025micro format
First year with figures
Key points
from the 2025 annual accountsChecked score
37
Weak
Financially stronger than 40% of micro companies in construction of buildings (NACE 41)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
5.3% Elevated
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,460 companies (NACE 41, micro).
About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
01-2026: 3.6%lowest value
02-2026: 3.6%● unchanged vs 01-2026lowest value
03-2026: 3.8%▲ +0.2 percentage points vs 02-2026
04-2026: 4.1%▲ +0.3 percentage points vs 03-2026
05-2026: 4.2%▲ +0.1 percentage points vs 04-2026
06-2026: 4.6%▲ +0.4 percentage points vs 05-2026
07-2026: 4.6%● unchanged vs 06-2026
08-2026: 5.0%▲ +0.4 percentage points vs 07-2026
09-2026: 4.8%▼ -0.2 percentage points vs 08-2026
10-2026: 5.3%▲ +0.5 percentage points vs 09-2026highest value
11-2026: 5.3%● unchanged vs 10-2026highest value
Financial strengthAverage
Score breakdown
raises risk
Founded in 2024
Size: turnover €395,034, total assets €137,817
Sector: Construction of residential and non-residential buildings (NACE 41)
Liquidity: current ratio 1.18, cash €7,295
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 41, micro). It does better than 29% of them on solvency, 31% on liquidity and 62% on profitability.
The bankruptcy probability was computed on 10-11-2026 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 30-09-2025.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% 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, 2,390 companies had the same profile as PUNCTUS has now. Each dot stands for 6 companies, two years later.
96.6%
were still trading
2.0%
stopped another way
1.2%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of PUNCTUS itself is higher: 5.3% within 12 months. It rests on far more data about PUNCTUS than the profile alone.
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.
| 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 2,390 companies, not a prediction for PUNCTUS. 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.
Credit verdict
Credit of up to €1,000 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms
Liquidity is tight, with a current ratio of 1.18, below the usual 1.5. Short-term debt is 43.3% and cash 5.3% of total assets. 78.1% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
raises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 26-03-2026, 35 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
35 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Incorporation
Founding capital of €5,000, 100 shares · Founder: JURAVLIA Stefan · Appointment: JURAVLIA Stefan (director) · published on 24-12-2024 · Gazette deed
First establishment
Jacobs-Fontainestraat 69, Brussels
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| PUNCTUS Drogenbos | €137,817 | €38,003 | 21.9% | - |
| TRIBECO Drogenbos | €150,552 | €34,861 | 17.7% | - |
| ATOM GLOBAL COMPANY Zaventem | €148,548 | €39,235 | 16.2% | - |
| POWER PARTNER Vilvoorde | €141,372 | €33,516 | 50.7% | - |
| BF CONSTRUCTION Thimister-Clermont | €137,844 | €34,951 | 4.4% | - |
| MD BUILD Brussels | €153,506 | €36,828 | 13.0% | - |
| BMA RENOVATIES Maldegem | €129,402 | €42,612 | 29.7% | - |
These companies have the same main activity as PUNCTUS: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €129,000 and €154,000, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 20-12-2024Normal situation
- Registered office
- 247 active companies are registered at this address39 started in the 12 months before. Source: KBO register, as of 10 November 2026.
- Activity
- General construction of residential buildingsNACE 41001and 3 others
- Establishment unit
- 2.368.633.4961020 Brussels, since 20-12-2024
- Financial year end
- 30 September
- Peppol
- Reachable
Annual accounts to 30-09-2025
- €137,817
- Filing
- Filed on 26-03-2026, 35 days before the end of the filing period
Insights on PUNCTUS
The computed 12-month bankruptcy probability of PUNCTUS is 5.3% (elevated). The 2025 annual accounts show equity of €30,145 and a net result of €25,145.
Its solvency ranks better than 28% of 9,462 sector peers (NACE 41, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
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 PUNCTUS
- What is the company number of PUNCTUS?
- The company number of PUNCTUS is 1017.749.635. The VAT number is the same number with BE in front: BE 1017.749.635.
- Where is PUNCTUS based?
- The registered office is at W.A. Mozartlaan 2, 1620 Drogenbos.Company details
- What does PUNCTUS do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of PUNCTUS?
- PUNCTUS is a private limited company (BV).
- When was PUNCTUS founded?
- PUNCTUS was founded on 20-12-2024.
- Is PUNCTUS still active?
- Yes, PUNCTUS is an active enterprise in the KBO register.
- What is the turnover of PUNCTUS?
- The turnover of PUNCTUS was €395,034 in financial year 2025, according to the filed annual accounts.Financials
- Is PUNCTUS profitable?
- In financial year 2025, PUNCTUS made a profit of €25,145.
- Where can I find the annual accounts of PUNCTUS?
- PUNCTUS filed 1 annual account with the National Bank of Belgium, for financial year 2025.
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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