SAINT JOSEPH DEVELOPMENT
ActiveSAINT JOSEPH DEVELOPMENT has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €454k and a net result of €-46k. Its solvency ranks better than 53% of 829 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability28
Solvency61
Growth-
Track record67
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days only on tighter terms
short-term debt: 0.4% and cash: 0.8% of total assets, and 63.9% 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 →
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-06-2026, 31 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
31 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-46k
Working capital
€1.25M
Balance-sheet composition
Equity and liabilities €1.26M
Equity
€454k
Debt
€803k
Debt finances 63.9% of the balance-sheet total.
Key figures and ratios
Solvency
36.1%
Quick ratio
2.42
Debt / equity
1.77
ROE
-10.0%
ROA
-3.6%
Debt
€803k
Debt ≤ 1 year
€5k
Debt > 1 year
€798k
A ratio outside any meaningful range has been withheld (balance sheet total €1.26M, equity €454k).
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€1.26M
Current assets29/58€1.26M
Stocks and contracts in progress3€1.24M
Stocks30/36€1.24M
Amounts receivable within one year40/41€3k
Trade receivables40€204
Other amounts receivable41€3k
Cash at bank and in hand54/58€10k
Equity and liabilities
Total equity and liabilities10/49€1.26M
Equity10/15€454k
Contributions10/11€500k
Capital10€500k
Issued capital100€500k
Profit (loss) carried forward14€-46k
Amounts payable17/49€803k
Amounts payable after more than one year17€798k
Financial debts170/4€798k
Amounts payable within one year42/48€5k
Trade debts44€5k
Suppliers440/4€5k
Taxes, remuneration and social security45€400
Taxes450/3€400
Income statement
Code2025
Other operating charges640/8€603
Gross operating margin9900€-35k
Operating profit (loss)9901€-35k
Financial charges65/66B€10k
Recurring financial charges65€10k
Profit (loss) for the period before taxes9903€-46k
Profit (loss) for the period9904€-46k
Profit (loss) for the period to be appropriated9905€-46k
Appropriation of the result
Profit (loss) to be appropriated9906€-46k
Profit (loss) brought forward from the previous period14P€0
The notes to these accounts (2 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
NBB filing
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, Liège · 1 establishment unit since 2025
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.
Visé-Voie 814000 LiègeGround area
5,327 m²
Building footprint
1,060 m²
Parcel 62087A0159/00D000, Wallonia. Linked by address, not a title deed.
1 establishment unit
SAINT JOSEPH DEVELOPMENT
since 20252.376.615.212
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62087A0159/00D000 | Wallonia | 5,326 m² | 1 · 1,060 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.
Similar companies · same sector, comparable size
Dor Nicolas Entreprise
BE 0821.281.875
Couvin · Eq €455k
ZAFIR TOTAAL PROJECTEN
BE 0632.671.117
Antwerpen · Eq €454k
FRED BATI
BE 0747.624.431
Binche · Eq €455k
Algemene Bouwwerken Kris De Reu
BE 0829.946.747
Wortegem-Petegem · Eq €454k
SAN MARCO GROUP
BE 0729.797.910
Meise · Eq €454k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 9,602 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded14-07-2025
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.