MJ HOUSING
ActiveSummary
The computed 12-month bankruptcy probability of MJ HOUSING is 4.4% (elevated). The 2025 annual accounts show negative equity (-€91,565) and a net result of -€2,252. Equity is shrinking by ~35.7% per year across the filed fiscal years. Its solvency ranks better than 5% of 7564 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability16▲+16
Solvency0=
Growth58▲+26
Track record94
Bankruptcy probability, 12 months
4.4%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.49 against 0.45 in 2024; short-term debt: 193.7% and cash: 12.7% of total assets), and equity is negative.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-93.7%
Return on assets
-2.3%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
232425
2023 to 2025 · latest year -€91,565
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 18-02-2026, 163 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
163 d early
2024
1 d early
2023
28 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 45 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
-€91,565▼ 2.5%
2024 · -€89,313
Total assets
€97,713▲ 6.7%
2024 · €91,608
Net result
-€2,252▲ 96.3%
2024 · -€61,547
Working capital
-€97,020▲ 2.7%
2024 · -€99,746
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result-€30,483--€60,367▼ 98.0%-€3,883▲ 93.6%
Net result-€30,766below the sector's middle half--€61,547below the sector's middle half▼ 100%-€2,252below the sector's middle half▲ 96.3%
Equity-€27,766below the sector's middle half--€89,313below the sector's middle half▼ 222%-€91,565below the sector's middle half▼ 2.5%
Total assets€14,604below the sector's middle half-€91,608within the sector's middle half▲ 527%€97,713within the sector's middle half▲ 6.7%
Debt€42,370-€180,921▲ 327%€189,278▲ 4.6%
Working capital-€28,145--€99,746▼ 254%-€97,020▲ 2.7%
Solvency-190.1%below the sector's middle half--97.5%below the sector's middle half▲ 92.6pp-93.7%below the sector's middle half▲ 3.8pp
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3,883 in 2025 against €60,367 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €97,713
Fixed assets
€5,455 ▼ 47.7%
Current assets
€92,257 ▲ 13.7%
Key figures and ratios
EBITDA
-€605▲
2024 · -€59,265
Cash flow
€1,026▲
2024 · -€60,446
Current ratio
0.49▲
2024 · 0.45
Debt to equity
-2.07▼
2024 · -2.03
ROA
-2.3%▲
2024 · -67.2%
Interest coverage
-0.96▲
2024 · -48.41
Debt ≤ 1 year
€189,278▲
2024 · €180,921
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,554 companies that looked in July 2024 the way this one looks now, 4.1% went bankrupt within 24 months and 91% are still going.
- Micro
- 2 to 5 years old
- negative equity
- a small loss
4.1%
went bankrupt
3.5%
stopped otherwise
91%
still going
A further 1.0% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 4.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,554 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €2,000 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €1,102 | €3,278 | ▲ 198% |
| Other operating charges640/8 | €406 | €220 | €320 | ▲ 45.3% |
| Gross operating margin9900 | -€30,077 | -€59,045 | -€285 | ▲ 99.5% |
| Operating profit (loss)9901 | -€30,483 | -€60,367 | -€3,883 | ▲ 93.6% |
| Financial income75/76B | €0 | €44 | €2,265 | ▲ 5,047% |
| Recurring financial income75 | €0 | €44 | €72 | ▲ 62.5% |
| Non-recurring financial income76B | - | - | €2,193 | - |
| Financial charges65/66B | €283 | €1,224 | €634 | ▼ 48.2% |
| Recurring financial charges65 | €283 | €1,224 | €634 | ▼ 48.2% |
| Profit (loss) for the period before taxes9903 | -€30,766 | -€61,547 | -€2,252 | ▲ 96.3% |
| Profit (loss) for the period9904 | -€30,766 | -€61,547 | -€2,252 | ▲ 96.3% |
| Profit (loss) for the period to be appropriated9905 | -€30,766 | -€61,547 | -€2,252 | ▲ 96.3% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €14,604 | €91,608 | €97,713 | ▲ 6.7% |
| Fixed assets21/28 | €400 | €10,433 | €5,455 | ▼ 47.7% |
| Tangible fixed assets22/27 | - | €8,733 | €5,455 | ▼ 37.5% |
| Furniture and vehicles24 | - | €8,733 | €5,455 | ▼ 37.5% |
| Financial fixed assets28 | €400 | €1,700 | €0 | ▼ 100% |
| Current assets29/58 | €14,204 | €81,175 | €92,257 | ▲ 13.7% |
| Amounts receivable within one year40/41 | €6,093 | €67,177 | €66,906 | ▼ 0.4% |
| Trade receivables40 | €1,142 | €41,454 | €66,906 | ▲ 61.4% |
| Other amounts receivable41 | €4,951 | €25,723 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €5,306 | €9,506 | €12,449 | ▲ 31.0% |
| Deferred charges and accrued income490/1 | €2,805 | €4,492 | €12,903 | ▲ 187% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €14,604 | €91,608 | €97,713 | ▲ 6.7% |
| Equity10/15 | -€27,766 | -€89,313 | -€91,565 | ▼ 2.5% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | -€30,766 | -€92,313 | -€94,565 | ▼ 2.4% |
| Amounts payable17/49 | €42,370 | €180,921 | €189,278 | ▲ 4.6% |
| Amounts payable within one year42/48 | €42,349 | €180,921 | €189,278 | ▲ 4.6% |
| Trade debts44 | €42,349 | €168,937 | €175,420 | ▲ 3.8% |
| Suppliers440/4 | €42,349 | €168,937 | €175,420 | ▲ 3.8% |
| Taxes, remuneration and social security45 | - | - | €5,358 | - |
| Taxes450/3 | - | - | €5,358 | - |
| Other amounts payable47/48 | - | €11,984 | €8,500 | ▼ 29.1% |
| Accrued charges and deferred income492/3 | €21 | €0 | - | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | -€30,766 | -€61,547 | -€2,252 | ▲ 96.3% |
| + Depreciation and write-downs630 | - | €1,102 | €3,278 | ▲ 198% |
| Operating cash flow (approximation) | -€30,766 | -€60,446 | €1,026 | ▲ 102% |
| Investment in fixed assets (approximation) | - | -€11,135 | €1,700 | ▲ 115% |
| Change in cash | - | €4,200 | €2,943 | ▼ 29.9% |
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
14-08
State Gazette act
Registered office · Resignations & appointmentsName change · Registered-office move · Statutes amendment5 facts ▸
State Gazette act
Registered office · Resignations & appointments
Name change · Registered-office move · Statutes amendment5 facts ▸
- General meeting, 08-07-2026
- Name change, MJ HOUSING
- Registered-office move, Rue de la Tombale,39,5310 Eghezée(Aische)
- Other statement, un exemplaire du rapport demeurera annexé, dispense de lecture du rapport sur modification de l'objet
- Statutes amendment
18-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet -€61,547
Net result drops to -€61,547, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 3 acts read
About the unread acts
Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Eghezée · 1 establishment unit since 2023
Ground area
5,525 m²
Building footprint
1,623 m²
Volume, LiDAR
9,172 m³
2 parcels, Wallonia · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TK GESTION
since 20232.346.261.635
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25018A0328/00S000 | Wallonia | 3,577 m² | 1 · 1,509 m² | 8.7 m · 2 fl. |
| 92001C0098/00M000 | Wallonia | 1,947 m² | 1 · 113 m² | - |
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.
Articles of association
Name clause
MJ HOUSING
Similar companies · same sector and region
ATRECO
BE 0840.769.967
Eghezée
Crimi Fortunato
BE 0670.597.820
Eghezée
DECALCO
BE 0428.234.412
Eghezée
DENO Rénove
BE 0719.297.857
Eghezée
FAGOO
BE 0888.726.569
Eghezée
This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 29,787 companies in sector 41001 we hold annual accounts for 16,052. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded31-05-2023
Fiscal year end31-12
Legal name FR
TK GESTION
Activities, NACEBEL 2025
41001General construction of residential buildings
43212Electrical installation work in industrial facilities
43222Installation of electric heating, air conditioning, cooling and ventilation
43320Joinery installation
43332Laying of wooden floor and wall coverings
E-invoicing
Reachable via Peppol
Peppol ID
0208:0802243943
Registered
07-09-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.