SJC3D PIPING & CONSTRUCT

Active

Private limited companyfounded 20233 yrs activeRue du Fond du Flo 25, 4621 Fléron, BelgiumKBO/BCE: BE 0801.567.616

The computed 12-month bankruptcy probability of SJC3D PIPING & CONSTRUCT is 2.0% (moderate). The 2025 annual accounts show equity of €159k and a net result of €153k. Equity is growing by ~1077% per year across the filed fiscal years. Its solvency ranks better than 51% of 1977 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

94 / 100

Excellent▲ +32 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100▲+100

Solvency90▼-8

Growth78▲+46

Stability94

Bankruptcy probability, 12 months

2.0% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €15k at 30 days acceptable

Liquidity ample (current ratio 1.9 against 2.5 in 2024), but 52.4% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 25

Relative position

BE, all sectors

reference

Sector 25

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

47.6%

Return on assets

45.8%

Age of the figures

8 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-07-2026, 22 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

22 d early

2024

2 d early

2023

14 d early

← before the deadline after the deadline →

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 months

Position in the running window

12-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€153k

2024 · €-1k

2023: €2k 2024: €-1k

2023 → 2025

Working capital

€158k▲ 2,559%

2024 · €6k

2023: €7k 2024: €6k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Equity€7k-€6k▼ 15.8%€159k▲ 2,576%

Operating result€3k-€-960€200k

Net result€2k-€-1k€153k

Result per fiscal year

Operating resultNet result

The operating result returns to profit in 2025: €200k after a loss of €960 in 2024, the highest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €335k

99.7%

Fixed assets €1k

Current assets €334k

Equity and liabilities €335k

47.6%

52.4%

Equity €159k▲ 2,576%

Debt €175k▲ 4,336%

The debt ratio rises from 39.9% to 52.4%: debt grows faster than equity.

Key figures and ratios

2025 value · change against 2024

EBITDA

€200k

Cash flow

€154k

Solvency

47.6%▼

2024 · 60.1%

Current ratio

1.90▼

2024 · 2.50

Quick ratio

1.75▼

2024 · 2.50

Debt / equity

1.10▲

2024 · 0.66

ROE

96.3%▲

2024 · -18.7%

ROA

45.8%▲

2024 · -11.2%

Interest coverage

845.05

Debt

€175k▲

2024 · €4k

Debt ≤ 1 year

€175k▲

2024 · €4k

Income taxes

€47k

Staff costs

€296k▲

2024 · €27k

Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.

Filed annual accounts

As filed with the NBB · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€10k€335k▲

Fixed assets21/28-€1k

Tangible fixed assets22/27-€1k

Plant, machinery and equipment23-€1k

Current assets29/58€10k€334k▲

Stocks and contracts in progress3-€27k

Stocks30/36-€27k

Amounts receivable within one year40/41€6k€196k▲

Trade receivables40€6k€152k▲

Other amounts receivable41€357€44k▲

Cash at bank and in hand54/58€3k€107k▲

Deferred charges and accrued income490/1€645€4k▲

Equity and liabilities

Total equity and liabilities10/49€10k€335k▲

Equity10/15€6k€159k▲

Contributions10/11€5k€5k=

Profit (loss) carried forward14€951€154k▲

Amounts payable17/49€4k€175k▲

Amounts payable within one year42/48€4k€175k▲

Trade debts44€2k€108k▲

Suppliers440/4€2k€108k▲

Taxes, remuneration and social security45€2k€68k▲

Taxes450/3-€47k

Remuneration and social security454/9€2k€21k▲

Income statement Code20242025

Remuneration, social security and pensions62€27k€296k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€230

Gross operating margin9900€26k€496k▲

Operating profit (loss)9901€-960€200k▲

Financial income75/76B-€382

Recurring financial income75-€382

Financial charges65/66B€153€237▲

Recurring financial charges65€153€237▲

Profit (loss) for the period before taxes9903€-1k€200k▲

Income taxes67/77-€47k

Profit (loss) for the period9904€-1k€153k▲

Profit (loss) for the period to be appropriated9905€-1k€153k▲

Appropriation of the result

Profit (loss) to be appropriated9906€951€154k▲

Profit (loss) brought forward from the previous period14P€2k€951▼

Social balance

Average headcount (FTE)90870.74.5▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 8Financial 4Gazette 1Filings 3

Next filing, fiscal year 2026, expected by 31-07-2027

2026

11-08

State Gazette act Resignations & appointments

General meeting · Director resignation · Director discharge20 facts ▸

General meeting, 14/07/2026
Director resignation, SJC (administrateur)
Director resignation, Uriel Goffard (représentant permanent)
Director resignation, PHILIPPE ANDRIEN (administrateur)
Director resignation, Philippe Andrien (représentant permanent)
Director discharge, SJC
Director discharge, PHILIPPE ANDRIEN
Director appointment, LHR Group (administrateur)
Permanent representative, Pierre LABALUE
Director appointment, Himap (administrateur)
Permanent representative, Pierre Hallot
Director appointment, ARIMA (administrateur)
+8 further facts in this act

09-07

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

31-12

Financial Back to profitnet €153k

Net result €153k after one loss-making year.

31-12

Financial Equity above €150kEq €159k ▲2576%

Equity rises from €6k to €159k.

29-07

NBB filing Annual accounts filed

fiscal year 2024 · full schema

2024

31-12

Financial Weakest financial yearnet €-1k ▼154%

Net result drops to €-1k, the lowest in the series; recovery starts the following year.

31-12

Financial Liquidity doublescurrent ratio 2.50

Current ratio from 1.24 to 2.50; short-term debt falls from €29k to €4k.

17-07

NBB filing Annual accounts filed

fiscal year 2023 · full schema

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

under verification, no change since 2026

This board is reconstructed from a single act (26102915). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.

ARIMA

Director · since 14-07-2026 · Private limited company · perm. rep.: Antoine Renier

Current

Himap

Director · since 14-07-2026 · Private limited company · perm. rep.: Pierre Hallot

Current

Philippe ANDRIEN

Director · since 14-07-2026

Current

Uriel Goffard

Director · since 14-07-2026

Current

14-07-2026 ARIMA: Appointed as Director

14-07-2026 Himap: Appointed as Director

14-07-2026 Philippe ANDRIEN: Appointed as Director

14-07-2026 Uriel Goffard: Appointed as Director

14-07-2026 Philippe ANDRIEN: Resigned as Director

14-07-2026 SJC: Resigned as Director

14-07-2026 Philippe ANDRIEN: Resigned as Représentant permanent

14-07-2026 Uriel Goffard: Resigned as Représentant permanent

Location & real-estate footprint

Registered office, Fléron · 1 establishment unit since 2023

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.

Rue du Fond du Flo 254621 Fléron

Ground area

1,990 m²

Parcel 62084B0260/00B002, Wallonia. Linked by address, not a title deed.

1 establishment unit

SJC3D PIPING & CONSTRUCT

Rue du Fond du Flo 25, 4621 FléronManufacture of rubber and plastic products

since 20232.347.596.572

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62084B0260/00B002	Wallonia	1,990 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.

Structure & network

Connections & network

6 connected companies

Shared directors

Linked via shared directors

SJC3D Méca

viaUriel Goffard · Director

→

SJC3D Méca

viaPhilippe ANDRIEN · Director

→

Philippe ANDRIEN

viaPhilippe ANDRIEN · Director

former→

SJC

viaUriel Goffard · Director

former→

Show 2 more companies with a shared director

SJC3D

viaUriel Goffard · Director

former→

SJC3D

viaPhilippe ANDRIEN · Director

former→

Ownership & control

2 parties

Control over this companysits on this company's board2

ARIMA

3 subsidiaries · 1 location

Himap

3 subsidiaries · 1 location

controls

SJC3D PIPING & CONSTRUCTBE 0801.567.616

Similar companies · same sector, comparable size

Buggenhout · Eq €160k

Alveringem · Eq €158k

Of 3,964 companies in sector 25110 we hold annual accounts for 2,133. 1,647 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded09-05-2023

Fiscal year end31-12

Activities, NACEBEL

25110Manufacture of metal structures and parts of structures

71121Engineering and related technical consultancy, excluding land surveyors

22210Manufacture of rubber and plastic products

24200Manufacture of basic metals

25999Manufacture of fabricated metal products, except machinery and equipment

43221Plumbing work

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.