RJB BUILD
ActiveSummary
The computed 12-month bankruptcy probability of RJB BUILD is 2.0% (moderate). The 2025 annual accounts show equity of €55k and a net result of €17k. Its solvency ranks better than 88% of 7500 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency100=
Growth52
Track record82
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 4.73 against 3.48 in 2024; short-term debt: 19.5% and cash: 29% of total assets), and 19.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← 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
80.5%
Return on assets
25.1%
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 13-09-2026, 44 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 · 2 filingsDeviation from the deadline
2025
44 d late
2024
61 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€55k▲ 45.2%
2024 · €38k
2024: €38k
2025: €55k▲ +45.2% vs 2024
2024 → 2025
Total assets
€69k▲ 37.2%
2024 · €50k
2024: €50k
2025: €69k▲ +37.2% vs 2024
2024 → 2025
Net result
€17k▼ 52.3%
2024 · €36k
2024: €36k
2025: €17k▼ -52.3% vs 2024
2024 → 2025
Working capital
€50k▲ 68.5%
2024 · €30k
2024: €30k
2025: €50k▲ +68.5% vs 2024
2024 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€38k-€55k▲ 45.2%
2024: €38k
2025: €55k▲ +45.2% vs 2024
Operating result€44k-€21k▼ 52.5%
2024: €44k
2025: €21k▼ -52.5% vs 2024
Net result€36k-€17k▼ 52.3%
2024: €36k
2025: €17k▼ -52.3% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 53% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €69k
Fixed assets
€5k ▼ 36.9%
Current assets
€63k ▲ 52.1%
Equity and liabilities €69k
Equity
€55k ▲ 45.2%
Debt
€13k ▲ 11.8%
Debt's share of the balance-sheet total falls from 23.9% to 19.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€24k▼
2024 · €45k
Cash flow
€20k▼
2024 · €37k
Current ratio
4.73▲
2024 · 3.48
Debt to equity
0.24▼
2024 · 0.31
ROE
31.1%▼
2024 · 94.7%
ROA
25.1%▼
2024 · 72.1%
Interest coverage
305.30▼
2024 · 2387.57
Debt ≤ 1 year
€13k▲
2024 · €12k
Income taxes
€4k▼
2024 · €9k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 36 lines
Balance sheet
Code20242025
Assets
Total assets20/58€50k€69k▲
Fixed assets21/28€8k€5k▼
Tangible fixed assets22/27€8k€5k▼
Furniture and vehicles24€8k€5k▼
Current assets29/58€42k€63k▲
Amounts receivable within one year40/41€39k€42k▲
Trade receivables40€3k€6k▲
Other amounts receivable41€36k€37k▲
Cash at bank and in hand54/58€3k€20k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€50k€69k▲
Equity10/15€38k€55k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€36k€53k▲
Amounts payable17/49€12k€13k▲
Amounts payable within one year42/48€12k€13k▲
Trade debts44€1k€58▼
Suppliers440/4€1k€58▼
Taxes, remuneration and social security45€11k€13k▲
Taxes450/3€9k€13k▲
Remuneration and social security454/9€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€906€3k▲
Other operating charges640/8-€135
Non-recurring operating charges66A-€107
Gross operating margin9900€45k€24k▼
Operating profit (loss)9901€44k€21k▼
Financial income75/76B€996€659▼
Recurring financial income75€996€659▼
Financial charges65/66B€19€79▲
Recurring financial charges65€19€79▲
Profit (loss) for the period before taxes9903€45k€22k▼
Income taxes67/77€9k€4k▼
Profit (loss) for the period9904€36k€17k▼
Profit (loss) for the period to be appropriated9905€36k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€36k€53k▲
Profit (loss) brought forward from the previous period14P-€36k
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €906 | €3k | ▲ 242% |
| Other operating charges640/8 | - | €135 | - |
| Non-recurring operating charges66A | - | €107 | - |
| Gross operating margin9900 | €45k | €24k | ▼ 46.0% |
| Operating profit (loss)9901 | €44k | €21k | ▼ 52.5% |
| Financial income75/76B | €996 | €659 | ▼ 33.8% |
| Recurring financial income75 | €996 | €659 | ▼ 33.8% |
| Financial charges65/66B | €19 | €79 | ▲ 318% |
| Recurring financial charges65 | €19 | €79 | ▲ 318% |
| Profit (loss) for the period before taxes9903 | €45k | €22k | ▼ 52.3% |
| Income taxes67/77 | €9k | €4k | ▼ 52.2% |
| Profit (loss) for the period9904 | €36k | €17k | ▼ 52.3% |
| Profit (loss) for the period to be appropriated9905 | €36k | €17k | ▼ 52.3% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €50k | €69k | ▲ 37.2% |
| Fixed assets21/28 | €8k | €5k | ▼ 36.9% |
| Tangible fixed assets22/27 | €8k | €5k | ▼ 36.9% |
| Furniture and vehicles24 | €8k | €5k | ▼ 36.9% |
| Current assets29/58 | €42k | €63k | ▲ 52.1% |
| Amounts receivable within one year40/41 | €39k | €42k | ▲ 8.9% |
| Trade receivables40 | €3k | €6k | ▲ 69.9% |
| Other amounts receivable41 | €36k | €37k | ▲ 3.1% |
| Cash at bank and in hand54/58 | €3k | €20k | ▲ 622% |
| Deferred charges and accrued income490/1 | - | €1k | - |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €50k | €69k | ▲ 37.2% |
| Equity10/15 | €38k | €55k | ▲ 45.2% |
| Contributions10/11 | €2k | €2k | = |
| Profit (loss) carried forward14 | €36k | €53k | ▲ 47.7% |
| Amounts payable17/49 | €12k | €13k | ▲ 11.8% |
| Amounts payable within one year42/48 | €12k | €13k | ▲ 11.8% |
| Trade debts44 | €1k | €58 | ▼ 95.4% |
| Suppliers440/4 | €1k | €58 | ▼ 95.4% |
| Taxes, remuneration and social security45 | €11k | €13k | ▲ 24.3% |
| Taxes450/3 | €9k | €13k | ▲ 47.8% |
| Remuneration and social security454/9 | €2k | - | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €36k | €17k | ▼ 52.3% |
| + Depreciation and write-downs630 | €906 | €3k | ▲ 242% |
| Operating cash flow (approximation) | €37k | €20k | ▼ 45.0% |
| Investment in fixed assets (approximation) | - | €0 | - |
| Change in cash | - | €17k | - |
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
13-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 44 days late
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Grimbergen · 1 establishment unit since 2024
Ground area
4.2 ha
Building footprint
1,279 m²
Volume, LiDAR
77,535 m³
2 parcels, Brussels, Flanders · tallest building 77.1 m, ±25 floors. Linked by address, not a title deed.
37
companies at this address
See who is registered here
1 establishment unit
RJ BUILD
since 20242.360.255.666
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21010B0052/00F000 | Brussels | 4.1 ha | 1 · 1,118 m² | 77.1 m · 25 fl. |
| 23084B0064/00H005 | Flanders | 162 m² | 1 · 162 m² | 12.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,779 companies in sector 41001 we hold annual accounts for 16,044. 13,138 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded31-05-2024
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43350Other building finishing work
43110Demolition
43310Plastering work
43320Joinery installation
Scores and ratios are computed by Checked and are not a credit decision.