Equity
Equity fell by 51% in 6 years.
Equity fell by 51% in 6 years.
The 2023 and 2024 financial years closed with a loss. 2024 was the heaviest.
The micro format states no turnover.
Short-term debts fell from €17,188 to €4,279.
2025 accounts not filed: deadline was 31-07-2026.
Lower net result than 88% of companies in construction of buildings. Sector median €7,908 · 9,869 companies.
In July 2024, 4,820 companies had the same profile as S.J. CONSTRUCT has now. Each dot stands for 13 companies, two years later.
Another 0.1% stopped without a precise date, possibly only after those two years.
The method was tested on the 497,762 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 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
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 4,820 companies, not a prediction for S.J. CONSTRUCT. 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.
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.
| Company | ||||
|---|---|---|---|---|
| S.J. CONSTRUCT Jemeppe-sur-Sambre | €74,019 | €4,473 | 94.2% | - |
| Bati-Michiels Wavre | €71,325 | €4,679 | 53.9% | - |
| FAVOR Sint-Gillis (bij-Brussel) | €87,048 | €4,261 | 18.5% | - |
| Inno-concepts Héron | €61,962 | €5,033 | 15.8% | - |
| Construvite Interiors Nivelles | €67,468 | €5,095 | 65.6% | - |
| RENOVATION ET CONSEILS IMMOBILIERS Charleroi | €80,282 | €4,007 | 86.8% | - |
| EURO TECHNO CONSTRUCT Berchem-Sainte-Agathe | €94,317 | €5,333 | 39.4% | - |
These companies have the same main activity as S.J. CONSTRUCT: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €62,000 and €94,300, founded between 2007 and 2012.
S.J. CONSTRUCT files the micro format. That format states no turnover. The gross margin fell from €5,934 in 2013 to €4,473 in 2024.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
2025 annual accounts not yet filed, deadline passed on 31 July 2026 The financial year closed on 31 December 2025. The accounts are due at the latest 7 months after the close (Companies Code art. 3:10). Source: NBB filings, as of 13 November 2026.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €53,000. Estimated: probably between €27,000 and €98,000.
Higher than 95% of 9,880 companies in 2024.
Higher than 95% of 9,594 companies in 2024.
Higher than 9% of 9,687 companies in 2024.
Net result: bottom quarter · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Staff costs divided by the average number of full-time equivalents.
Training hours in 2024: 1,256.
| Line | Trend | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Balance sheet: assets | |||||||||||||
20/58 |
74,019 | 100,549 | 119,012 | 84,058 | 127,622 | 233,129 | 212,871 | 202,400 | 202,326 | 136,802 | 45,383 | 19,013 | |
21/28 |
9,038 | 14,983 | 16,800 | 5,271 | 4,795 | 2,941 | 3,595 | 5,568 | 9,625 | 17,037 | 12,589 | 1,805 | |
22/27 |
6,513 | 12,458 | 14,275 | 2,746 | 2,270 | 416 | 1,070 | 3,043 | 7,575 | 14,987 | 10,539 | 1,805 | |
23 |
- | - | - | - | - | - | - | - | 3,515 | - | - | - | |
24 |
6,513 | 12,458 | 14,275 | 2,746 | 2,270 | 416 | 1,070 | 3,043 | 4,061 | 14,987 | 10,539 | 1,805 | |
28 |
2,525 | 2,525 | 2,525 | 2,525 | 2,525 | 2,525 | 2,525 | 2,525 | 2,050 | 2,050 | 2,050 | - | |
29/58 |
64,980 | 85,566 | 102,213 | 78,786 | 122,827 | 230,188 | 209,277 | 196,832 | 192,701 | 119,765 | 32,794 | 17,208 | |
40/41 |
59,447 | 69,270 | 79,263 | 71,533 | 115,834 | 224,609 | 199,339 | 189,363 | 181,695 | 101,876 | 20,763 | 10,150 | |
40 |
5,059 | - | 8,390 | 9,397 | 10,836 | 62,682 | 52,565 | 128,601 | 97,594 | 75,234 | 17,305 | 8,400 | |
41 |
54,388 | 69,270 | 70,873 | 62,136 | 104,998 | 161,926 | 146,775 | 60,762 | 84,101 | 26,642 | 3,458 | 1,750 | |
54/58 |
5,293 | 15,873 | 22,710 | 6,601 | 6,753 | 5,580 | 9,937 | 7,469 | 11,006 | 17,889 | 12,031 | 7,058 | |
490/1 |
240 | 423 | 240 | 652 | 240 | - | - | - | - | - | - | - | |
| Balance sheet: equity and liabilities | |||||||||||||
10/49 |
74,019 | 100,549 | 119,012 | 84,058 | 127,622 | 233,129 | 212,871 | 202,400 | 202,326 | 136,802 | 45,383 | 19,013 | |
10/15 |
69,740 | 83,361 | 95,412 | 64,298 | 103,289 | 137,660 | 141,563 | 101,686 | 31,202 | 2,305 | -7,008 | -11,350 | |
10/11 |
6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | |
100 |
- | - | - | - | - | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | |
101 |
- | - | - | - | - | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | |
13 |
135,363 | 135,363 | 135,363 | 135,363 | 135,363 | 135,363 | 135,363 | 95,486 | 25,002 | - | - | - | |
130/1 |
- | 1,860 | 1,860 | 1,860 | 1,860 | - | - | - | - | - | - | - | |
130 |
- | - | - | - | - | 1,860 | 1,860 | 1,860 | 1,250 | - | - | - | |
1311 |
- | 1,860 | 1,860 | 1,860 | 1,860 | - | - | - | - | - | - | - | |
133 |
135,363 | 133,503 | 133,503 | 133,503 | 133,503 | 133,503 | 133,503 | 93,626 | 23,752 | - | - | - | |
14 |
-71,824 | -58,202 | -46,151 | -77,265 | -38,274 | -3,903 | - | - | - | -3,895 | -13,208 | -17,550 | |
17/49 |
4,279 | 17,188 | 23,600 | 19,760 | 24,333 | 95,469 | 71,308 | 100,714 | 171,124 | 134,497 | 52,391 | 30,362 | |
42/48 |
4,279 | 17,188 | 23,600 | 19,760 | 24,333 | 95,469 | 71,308 | 100,714 | 171,124 | 134,497 | 52,391 | 30,362 | |
44 |
1,578 | 14,866 | 22,688 | 18,144 | 20,705 | 74,860 | 17,828 | 70,978 | 134,083 | 116,910 | 5,278 | 65 | |
440/4 |
1,578 | 14,866 | 22,688 | 18,144 | 20,705 | 74,860 | 17,828 | 70,978 | 134,083 | 116,910 | 5,278 | 65 | |
45 |
2,701 | 1,455 | 912 | 1,615 | 3,628 | 20,609 | 53,480 | 29,737 | 31,205 | 9,041 | 13,319 | 11,437 | |
450/3 |
2,008 | 424 | 540 | 1,236 | 1,377 | 17,830 | 41,380 | 24,963 | 27,023 | 8,352 | 6,344 | 7,837 | |
454/9 |
693 | 1,030 | 373 | 379 | 2,251 | 2,779 | 12,100 | 4,773 | 4,182 | 689 | 6,975 | 3,600 | |
47/48 |
- | 868 | - | - | - | - | - | - | 5,836 | 8,547 | 33,795 | 18,861 | |
| Income statement | |||||||||||||
70 |
- | - | - | - | - | - | - | - | - | 354,561 | 154,124 | 40,000 | |
76A |
- | - | - | 1,496 | - | 167 | 18,089 | 71,200 | 662 | - | - | - | |
9900 |
4,473 | 6,783 | 41,340 | -17,774 | -24,714 | 68,132 | 114,753 | 99,526 | 118,222 | 19,548 | 34,603 | 5,934 | |
60/61 |
- | - | - | - | - | - | - | - | - | 335,013 | 119,521 | 34,066 | |
62 |
7,499 | 6,215 | 3,990 | 3,395 | 13,172 | 38,269 | 38,103 | 19,269 | 37,814 | 2,152 | 23,308 | 808 | |
630 |
6,545 | 6,438 | 4,215 | 1,102 | 446 | 654 | 1,973 | 5,573 | 7,412 | 7,780 | 4,001 | 635 | |
640/8 |
811 | 2,380 | 2,822 | 547 | 924 | 1,010 | 5,372 | 1,622 | 3,697 | 260 | 420 | - | |
66A |
- | - | 250 | - | - | 99 | 16,038 | - | 18,953 | - | - | - | |
9901 |
-10,382 | -8,250 | 30,063 | -22,818 | -39,255 | 28,100 | 53,266 | 73,062 | 50,347 | 9,355 | 6,874 | 4,491 | |
75/76B |
40 | 1 | - | 1 | 7,266 | 7,855 | 5,871 | 1,376 | 4,629 | - | 1 | - | |
75 |
40 | 1 | - | 1 | 7,266 | 7,855 | 5,871 | 1,376 | 4,629 | - | 1 | - | |
65/66B |
3,141 | 3,671 | 284 | 2,872 | 2,382 | 1,856 | 515 | 1,201 | 887 | 42 | 596 | 146 | |
65 |
3,141 | 3,671 | 284 | 2,872 | 2,382 | 1,856 | 515 | 1,201 | 404 | 42 | 596 | 146 | |
66B |
- | - | - | - | - | - | - | - | 483 | - | - | - | |
9903 |
-13,482 | -11,920 | 29,779 | -25,689 | -34,371 | 34,100 | 58,623 | 73,237 | 54,089 | 9,313 | 6,279 | 4,344 | |
67/77 |
140 | 132 | -1,336 | 13,301 | - | 38,003 | 18,745 | 2,753 | 25,191 | - | 1,938 | 1,105 | |
9904 |
-13,622 | -12,051 | 31,114 | -38,991 | -34,371 | -3,903 | 39,877 | 70,484 | 28,897 | 9,313 | 4,341 | 3,239 | |
9905 |
-13,622 | -12,051 | 31,114 | -38,991 | -34,371 | -3,903 | 39,877 | 70,484 | 28,897 | 9,313 | 4,341 | 3,239 | |
| Appropriation of the result | |||||||||||||
9906 |
-71,824 | -58,202 | -46,151 | -77,265 | -38,274 | -3,903 | 39,877 | 70,484 | 25,002 | -3,895 | -13,208 | -17,550 | |
14P |
-58,202 | -46,151 | -77,265 | -38,274 | - | - | - | - | - | - | - | - | |
691/2 |
- | - | - | - | - | - | 39,877 | 70,484 | 25,002 | - | - | - | |
6920 |
- | - | - | - | - | - | - | 610 | 1,250 | - | - | - | |
6921 |
- | - | - | - | - | - | 39,877 | 69,874 | 23,752 | - | - | - | |
| Social balance sheet | |||||||||||||
9087 |
1 | 1 | 0.9 | - | 1.3 | 1.6 | 0.9 | 1 | 1.8 | - | - | - | |
Hours worked1013 |
1,256 | 1,216 | 968 | - | 1,040 | 1,988 | 1,408 | 1,453 | 2,696 | - | - | - | |
| Document | |||||||||||||
The notes to these accounts have 8 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2024 (PDF), filed on 01-08-2025.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2024 | micro format | 01-08-2025 | 2025-00356891 | |
| 31-12-2023 | micro format | 30-08-2024 | 2024-00445818 | |
| 31-12-2022 | micro format | 30-08-2023 | 2023-00373816 | |
| 31-12-2021 | micro format | 25-01-2023 | 2023-00005341 | |
| 31-12-2020 | micro format | 28-10-2021 | 2021-75400073 | |
| 31-12-2019 | micro format | 01-12-2020 | 2020-73600394 | |
| 31-12-2018 | micro format | 31-12-2019 | 2019-78100229 | |
| 31-12-2017 | micro format | 25-06-2019 | 2019-22300289 | |
| 31-12-2016 | micro format | 22-03-2019 | 2019-07600152 | |
| 31-12-2015 | full format | 29-09-2016 | 2016-64100549 | |
| 31-12-2014 | full format | 28-08-2015 | 2015-53300039 | |
| 31-12-2013 | full format | 29-08-2014 | 2014-54200395 |
| Line | Trend | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| -3,837 | -1,812 | 34,278 | -21,716 | -38,810 | 28,754 | 55,239 | 78,635 | 57,758 | 17,135 | 10,875 | 5,126 | ||
| -7,077 | -5,614 | 35,329 | -37,888 | -33,926 | -3,249 | 41,850 | 76,057 | 36,309 | 17,093 | 8,343 | 3,875 | ||
| 600 | 4,621 | 15,744 | 5,040 | 2,299 | 0 | 0 | 1,516 | 0 | 12,228 | 14,786 | 1,912 | ||
| -10,580 | -6,837 | 16,109 | -152 | 1,173 | -4,357 | 2,468 | -3,537 | -6,883 | 5,858 | 4,973 | - | ||
| 60,701 | 68,378 | 78,613 | 59,027 | 98,494 | 134,719 | 137,968 | 96,118 | 21,576 | -14,732 | -19,598 | -13,154 | ||
| - | - | - | - | - | - | - | - | - | 2.6% | 4.5% | 11.2% | ||
| 94.2% | 82.9% | 80.2% | 76.5% | 80.9% | 59.0% | 66.5% | 50.2% | 15.4% | 1.7% | -15.4% | -59.7% | ||
| 15.19 | 4.98 | 4.33 | 3.99 | 5.05 | 2.41 | 2.93 | 1.95 | 1.13 | 0.89 | 0.63 | 0.57 | ||
| 0.06 | 0.21 | 0.25 | 0.31 | 0.24 | 0.69 | 0.50 | 0.99 | 5.48 | 58.36 | - | - | ||
| -19.5% | -14.5% | 32.6% | -60.6% | -33.3% | -2.8% | 28.2% | 69.3% | 92.6% | 404.1% | - | - | ||
| -18.4% | -12.0% | 26.1% | -46.4% | -26.9% | -1.7% | 18.7% | 34.8% | 14.3% | 6.8% | 9.6% | 17.0% | ||
| -1.22 | -0.49 | over 100 | -7.56 | - | - | - | - | - | - | - | - | ||
| - | - | - | - | - | - | - | - | - | 77 days | 41 days | 77 days | ||
| - | - | - | - | - | - | - | - | - | 127 days | 16 days | 1 day |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 31-12-2024 | 31-12-2023 | 31-12-2022 |
|---|---|---|---|
| Employees at the balance-sheet date | 1 | 1 | 1 |
| full-time | 1 | 1 | 1 |
| in full-time equivalents | 1 | 1 | 1 |
| 1 | 1 | 0.9 | |
| Joined | - | - | 1 |
| Left | - | - | 1 |
| Training hours | 1,256 | 1,216 | 968 |
Source: social balance sheet in the 2022 to 2024 annual accounts
| Item | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
| Tangible fixed assets | €600 | €4,621 | €15,744 | €5,040 |
| €6,545 | €6,438 | €4,215 | €1,102 |
Source: notes to the 2021 to 2024 annual accounts (statement of fixed assets)
The operating result for 2024 is a loss of €10,382, larger than the loss of €8,250 in 2023. It is the lowest result since 2021.
Debt's share of the balance-sheet total falls from 17.1% to 5.8%. Equity and debt are lower.
S.J. CONSTRUCT has no parent and no holdings in its annual accounts. is the only director. S.J. CONSTRUCT shares no director with another company.
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
| Establishment | Since | Unit number |
|---|---|---|
| Rue Féral,Ham 33 registered office 5190 Jemeppe-sur-Sambre | 17-11-2010 | 2.193.271.057 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 92061C0068/00F016 | 298 m² | 1 · 68 m² | 11.8 m · 3 |
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0830.450.652
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