Financials
Financial year 2025
F&J CONSTRUCTION from Châtelet, company number BE0508732237, closed financial year 2025 with a result of € 17,307 after tax. For that financial year F&J CONSTRUCTION recorded a gross margin of € 94,947 and equity of € 95,747. Compared with financial year 2024, the result moved from € 16,126 to € 17,307. Profitable, and profit is growing. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on July 31, 2026.
€ 95,747
▲ 22% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 17,307
▲ 7% vs 2024
Profit after tax over the fiscal year.
€ 30,304
▼ 41% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 83,547.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 54,734
▼ 4% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 13,932
▼ 40% vs 2024
Of which on lease € 12,276.
Debts at end 2025
€ 14,102
▼ 53% vs 2024
€ 5,305 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 19,734
▲ 160% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 21,280
▲ 70% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 110,157 | € 78,613 | € 96,691 | € 94,947 | ▼ 2% |
| Profit after taxes | € 32,453 | € 5,845 | € 16,126 | € 17,307 | ▲ 7% |
| Equity | € 56,469 | € 62,314 | € 78,440 | € 95,747 | ▲ 22% |
| Total debts | € 111,518 | € 69,159 | € 60,068 | € 62,381 | ▲ 4% |
| Cash | € 67,965 | € 22,172 | € 51,737 | € 30,304 | ▼ 41% |
| Land & buildings | € 62,108 | € 57,575 | € 53,041 | € 48,507 | ▼ 9% |
| Retained profit | € 44,269 | € 50,114 | € 66,240 | € 83,547 | ▲ 26% |
| Dividend | € 10,000 | € 0 | € 0 | € 0 | |
| Bank debt | € 60,656 | € 45,904 | € 29,798 | € 14,102 | ▼ 53% |
| Balance sheet total | € 181,048 | € 144,772 | € 152,575 | € 173,152 | ▲ 13% |
Key figures of F&J CONSTRUCTION, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to F&J CONSTRUCTION?
What happened at F&J CONSTRUCTION in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 17,307 (▲ 7% vs 2024). Source: NBB ↗
- New establishment in Châtelet. KBO
- Jean-François SANTORO became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 32,453 profit in 2022 to € 17,307 profit in 2025.
Paid € 17,608 in corporate taxes since 2022.
Best year ever: 2022, with € 32,453 profit.
Paid out € 10,000 in dividends to the owners in total.
Management
Behind F&J CONSTRUCTION is Jean-François SANTORO.
Directors
According to the 2025 annual accounts
Jean-François SANTORO
Manager
since 2012
Establishments
Establishment units
Physical locations of this company
Rue du Travail 68
6200 Châtelet
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0508.732.237
- VAT number
- BE 0508.732.237
- Registered office
- Rue du Travail 68, 6200 Châtelet
- Names & denominations
- F&J CONSTRUCTION
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 27 December 2012
- Peppol
- Active · Active since 30 Dec 2025
- Activities · NACE
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