Skip to content
Checked.be
Complete company report
Generated 04-08-2026
Active BE 1025.503.596Public limited company

SAINT JOSEPH DEVELOPMENT

Visé-Voie 81 ·4000 Liège, Belgium· 1 yrs active
Sector: Construction of buildings (41001)
Conclusion Checked

The computed 12-month bankruptcy probability of SAINT JOSEPH DEVELOPMENT is 1.5% (low). The 2025 annual accounts show equity of €454k and a net result of €-46k. Its solvency ranks better than 55% of 52 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €454k
Net result €-46k
Better than sector 55%
Active 1 yrs
Snowflake analysis 5 axes · computed by Checked
Health58Profitability0Solvency79Growth50Stability67
51 / 100

Mixed profile: strong on solvency, weaker on profitability.

Health 58
Profitability 0
Solvency 79
Growth 50
Stability 67
Bankruptcy probability (12 mo) Checked model v1 · free
1.5% Low
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Lower-risk legal form −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Young company
Founded in 2025, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2025 · computed
58 / 100 Fair
050100

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

See plans →
Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview1 NBB filings
Annual accounts filed on 30-06-2026 with the NBB · fiscal year 2025 · volledig
Sector comparison
Fiscal year 2025 · NACE 41, Construction of buildings · compared within the same schema type (full schema)
Metric This company Sector median Position in the sector
Solvency 36.1% 32.8%
better than 55% of 52 sector peers
Net result €-46k €24k
better than 5% of 52 sector peers
Equity €454k €72k
better than 81% of 52 sector peers
Gross operating margin €-35k €50k
better than 5% of 47 sector peers
Total assets €1.26M €409k
better than 80% of 52 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2025
Revenue-
EBITDA-
Net profit€-46k
Cash flow-
Staff costs-
Income taxes-
Dividends-
Total assets€1.26M
Equity€454k
Debt€803k
of which ≤ 1y€5k
of which > 1y€798k
Working capital€1.25M
Employees (FTE)-
Ratios (computed)
2025
Current ratio229.41
Quick ratio2.42
Working capital ratio99.6%
Solvency36.1%
Debt / equity1.77
Long-term debt ratio1.76
Interest coverage-
Gross margin-
Net margin-
ROA-3.6%
ROE-10.0%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€1.26M
Current assets 29/58€1.26M
Stocks & contracts in progress 3€1.24M
Amounts receivable within one year 40/41€3k
Cash & bank 54/58€10k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€1.26M
Equity 10/15€454k
Contributions / capital 10/11€500k
Accumulated profits (losses) 14€-46k
Amounts payable 17/49€803k
Amounts payable after one year 17€798k
Amounts payable within one year 42/48€5k
Trade debts payable within one year 44€5k
Income statement
Gross operating margin 9900€-35k
Operating result 9901€-35k
Financial charges 65€10k
Result before taxes 9903€-46k
Net result for the period 9904€-46k
Result to be appropriated 9905€-46k
Ratios computed by Checked.
Statutory auditor 1 auditor
Statutory auditor IRE/IBR number Tenure
Ernst et Young Reviseurs d'EntreprisesCurrent
Statutory auditor · represented by Brecht Deketele
 - 30-12-2025 → present
Appointed statutory auditor from the Belgian State Gazette. The IRE/IBR number refers to the register of the Institute of Registered Auditors.
Legal Structure
NACE primary Construction of buildings(41001)
Legal form Public limited company(014)
Incorporation14-07-2025
StatusActive
Postal code4000
Connections & network 1 connected companies
Group structure
Ernst et Young Reviseurs d'Entreprises
Parent · 926 subsidiaries · 5 locations
Control→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Establishment units 1 location
SAINT JOSEPH DEVELOPMENT
Visé-Voie 81, 4000 LiègeHandel in eigen onroerend goed
since 20252.376.615.212
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
62087A0159/00D000 Wallonia 5,326 m² 1 · 1,060 m² -
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 3 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
30-06-2026
NBB filing Annual accounts filed
fiscal year 2025 · volledig
2025
30-12-2025
State Gazette act Director changes
v3.2
16-07-2025
State Gazette act Incorporation
oprichting
Belgisch Staatsblad, acts 2 acts
All acts · 2 updated 7 months ago
2025
30-12-2025 Brecht Deketele appointed as statutory auditor Director changes
  • Brecht Deketele, Commissaris
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "commissaris_in",
      "role": "commissaris",
      "person": {
        "rrn": null,
        "name": "Brecht Deketele",
        "address": null,
        "birth_date": null
      },
      "via_org": {
        "kbo": "0446334711",
        "name": "DEY R\u00E9viseurs d\u0027Entreprises (Bedrijfsrevisoren) SRL",
        "address": null,
        "country": null,
        "legal_form": null
      },
      "evidence_quote": "Les actionnaires d\u00E9cident de nommer comme commissaire de la Soci\u00E9t\u00E9 : DEY R\u00E9viseurs d\u0027Entreprises (Bedrijfsrevisoren) SRL, si\u00E8ge social \u00E0 1831 Machelen (Diegem), Kouterveldstraat 7B bo\u00EEte 1, num\u00E9ro de TVA/num\u00E9ro d\u0027entreprise BE0446.334.711, RPM Bruxelles, avec la filiale \u00E0 9051 Gent, Pauline Van Pot"
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "1025.503.596",
    "name_full": "SAINT JOSEPH DEVELOPMENT",
    "legal_form": "SA"
  }
}
16-07-2025 Incorporation of a new SNC Incorporation
Summary: oprichting
Technical details 
{
  "kind": "oprichting",
  "seat": "4000 Li\u00E8ge, Rue Vise\u00E9-voie 81 bo\u00EEte 1",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": {
        "kbo": null,
        "name": "MAATSCHAPPIJ TOT EXPLOITATIE VAN IMMOBILI\u00CBN"
      },
      "kind": "rechtspersoon",
      "person": null,
      "share_class": "A",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": "MAATSCHAPPIJ TOT EXPLOITATIE VAN IMMOBILI\u00CBN",
      "contribution_type": "cash",
      "amount_paid_in_eur": 125000,
      "holder_person_name": null,
      "is_subscriber_only": true,
      "n_shares_subscribed": 5000,
      "amount_subscribed_eur": 500000,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 500000,
  "subject_company": {
    "kbo": "1025.503.596",
    "name_full": "SAINT JOSEPH DEVELOPMENT",
    "legal_form": "SNC"
  },
  "initial_directors": [],
  "incorporation_date": "2025-07-11",
  "post_incorporation_mandates": []
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
AI-generated from Checked data; indicative, not legal or investment advice.
Company registry (CBE) Crossroads Bank
Activities
Algemene bouw van residentiële gebouwen41001
Primary activity highlighted.
Names & trade names
Legal nameFR SAINT JOSEPH DEVELOPMENT
Registered office
Visé-Voie 81 bus 1
4000 Liège, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Similar companies Same NACE
Constant Goedleven BE 0403.829.608 · Brasschaat
LIEGE - PROMOTION BE 0415.915.511 · Ans
EK INVEST BE 0400.952.171 · Hasselt
WONINGBOUW VANDENWIJNGAERDEN BE 0422.314.937 · Herk-de-Stad
Immo Scheers BE 0406.966.171 · Vilvoorde
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative