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TJF immobilier

Active
Private limited company·Ontwikkeling van residentiële bouwprojecten· 2 yrs active
Chemin de la Bruyère 20 ·1473 Genappe, Belgium
KBO/BCE: BE 1003.278.522
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Belgian State Gazette acts: 0 of 1 read
Age2 yrs
Real estate1 parcel · 2,203 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of TJF immobilier is 1.2% (low). The 2024 annual accounts show negative equity (€-18k) and a net result of €-20k. Its solvency ranks better than 24% of 780 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
1.2% Low
0%0,5%1,5%4%10%≥25%
Young company +Lower-failure-rate sector −Annual accounts: weaker financial profile +

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

Signals

1 signal · with evidence
Negative equity
Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
View the annual accounts

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-01-2026, 162 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2024 31-07-2025 09-01-2026 162 d late 2026-00005043

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Young company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-20k
Working capital€3.76M

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 09-01-2026 with the NBB · fiscal year 2024 · volledig
Sector comparison
Fiscal year 2024 · NACE 68, Real estate activities · compared within the same schema type (full schema)
Metric This company Sector median Position in the sector
Solvency -0.5% 16.5%
better than 24% of 780 sector peers
Net result €-20k €-2k
better than 35% of 778 sector peers
Equity €-18k €136k
better than 20% of 780 sector peers
Gross operating margin €-12k €45k
better than 14% of 612 sector peers
Total assets €3.85M €1.72M
better than 67% of 780 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositvolledig
Revenue-
EBITDA€-18k
Net profit€-20k
Cash flow€-18k
Staff costs-
Income taxes-
Dividends-
Total assets€3.85M
Equity€-18k
Debt€3.87M
of which ≤ 1y€177
of which > 1y€3.87M
Working capital€3.76M
Employees (FTE)-
Ratios (computed)
2024
Current ratio21206.77
Quick ratio21206.77
Working capital ratio97.8%
Solvency-0.5%
Debt / equity-212.80
Long-term debt ratio-212.79
Interest coverage-127.61
Gross margin-
Net margin-
ROA-0.5%
ROE111.0%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts (21 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€3.85M
Fixed assets 21/28€84k
Tangible fixed assets 22/27€79k
Financial fixed assets 28€5k
Current assets 29/58€3.76M
Amounts receivable within one year 40/41€3.39M
Cash & bank 54/58€39k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€3.85M
Equity 10/15€-18k
Contributions / capital 10/11€2k
Accumulated profits (losses) 14€-20k
Amounts payable 17/49€3.87M
Amounts payable after one year 17€3.87M
Amounts payable within one year 42/48€177
Trade debts payable within one year 44€177
Income statement
Gross operating margin 9900€-12k
Operating result 9901€-20k
Financial charges 65€141
Result before taxes 9903€-20k
Net result for the period 9904€-20k
Result to be appropriated 9905€-20k
Ratios computed by Checked.

Health barometer

FY 2024 · computed
40 / 100 Weak
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register
exact location from the address register On OpenStreetMap
5 companies at this address See who is registered here

Establishment units

1 location
TJF immobilier
Chemin de la Bruyère 20, 1473 GenappeOntwikkeling van residentiële bouwprojecten
since 20232.356.766.933
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area2,203 m²
Buildings1
Building footprint139 m²
Volume (LiDAR)1,057 m³
Tallest building10.5 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

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.
25034D0317/00L000 Wallonia 2,203 m² 1 · 139 m² 10.5 m · 3 fl.
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.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

0 of 1 acts read

We know of 1 Belgian State Gazette act for this company. It has 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.

The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Financial profile

4 of 5 axes measured
Health40Profitability100Solvency67Growth-Stability67
68 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 40
Profitability 100
Solvency 67
Growth -
Stability 67

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Same sector and region
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 2,018 of the 9,650 companies in this sector.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Ontwikkeling van residentiële bouwprojecten68121Ontwikkeling van niet-residentiële bouwprojecten68122
Primary activity highlighted.
Names & trade names
Legal nameFR TJF immobilier
Registered office
Chemin de la Bruyère 20
1473 Genappe, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.