Summary
B&E DYNAMICS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €223,692 and a net result of €767. Equity is growing by about 9.2% per year across the filed financial years. Its solvency ranks better than 43% of 6,649 sector peers (NACE 64, financial year 2025). The company has been active since 2011 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, abbreviated format
Equity
€223,692▲ 0.3%
2024 · €222,925
Net result
€767
2024 · -€17,477
Total assets
€512,904▼ 23.0%
2024 · €665,882
Solvency
43.6%▲ 10.1pp
2024 · 33.5%
Trend over the years
2021 to 2025, 5 financial years 2019 to 2025, 7 financial years
The operating result recovers in 2025; 2025 is 238% above 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€17,310
2025
Net result€767
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€512,904
2025
Equity€223,692
2025
Debt€289,212
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital-€230,927
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)0.1%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency43.6%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio0.14
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the financial year before
favourable
unfavourable
Line2019202020212022202320242025
Operating result€15,076-€44,344▲ 194%€47,424▲ 6.9%€55,893▲ 17.9%€40,307▼ 27.9%€5,125▼ 87.3%€17,310▲ 238%
Net result€838-€24,828within the sector's middle half▲ 2,863%€29,236within the sector's middle half▲ 17.8%€40,963within the sector's middle half▲ 40.1%€22,827within the sector's middle half▼ 44.3%-€17,477below the sector's middle half€767below the sector's middle half
Equity€122,548-€147,377within the sector's middle half▲ 20.3%€176,613within the sector's middle half▲ 19.8%€217,576within the sector's middle half▲ 23.2%€240,403within the sector's middle half▲ 10.5%€222,925within the sector's middle half▼ 7.3%€223,692within the sector's middle half▲ 0.3%
Total assets€762,460-€711,786within the sector's middle half▼ 6.6%€685,745within the sector's middle half▼ 3.7%€733,790within the sector's middle half▲ 7.0%€751,734within the sector's middle half▲ 2.4%€665,882within the sector's middle half▼ 11.4%€512,904below the sector's middle half▼ 23.0%
Debt€639,912-€564,410▼ 11.8%€509,132▼ 9.8%€516,214▲ 1.4%€511,332▼ 0.9%€442,957▼ 13.4%€289,212▼ 34.7%
Working capital-€97,771--€86,858within the sector's middle half▲ 11.2%-€48,060within the sector's middle half▲ 44.7%-€87,676within the sector's middle half▼ 82.4%-€144,650within the sector's middle half▼ 65.0%-€137,812within the sector's middle half▲ 4.7%-€230,927below the sector's middle half▼ 67.6%
Solvency16.1%-20.7%below the sector's middle half▲ 4.6pp25.8%within the sector's middle half▲ 5.0pp29.7%within the sector's middle half▲ 3.9pp32.0%within the sector's middle half▲ 2.3pp33.5%within the sector's middle half▲ 1.5pp43.6%within the sector's middle half▲ 10.1pp
Current ratio0.05-0.10below the sector's middle half▲ 0.050.42within the sector's middle half▲ 0.320.36within the sector's middle half▼ 0.060.10below the sector's middle half▼ 0.260.06below the sector's middle half▼ 0.050.14below the sector's middle half▲ 0.08
Return on assets (ROA)0.1%-3.5%within the sector's middle half▲ 3.4pp4.3%within the sector's middle half▲ 0.8pp5.6%within the sector's middle half▲ 1.3pp3.0%within the sector's middle half▼ 2.5pp-2.6%below the sector's middle half▼ 5.7pp0.1%below the sector's middle half▲ 2.8pp
above
within
below
the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the abbreviated format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €512,904
Fixed assets
€475,253 ▼ 27.7%
Current assets
€37,651 ▲ 340%
Equity and liabilities €512,904
Equity
€223,692 ▲ 0.3%
Debt
€289,212 ▼ 34.7%
Debt's share of the balance-sheet total falls from 66.5% to 56.4%. Equity is higher and debt is lower.
Key figures and ratios
ROE
0.3%▲
2024 · -7.8%
Debt ≤ 1 year
€268,578▲
2024 · €146,368
Debt > 1 year
€18,272▼
2024 · €288,197
Income taxes
€363▲
2024 · €362
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €62,208 | €57,268 | €58,393 | €60,055 | €70,818 | €77,529 | €64,849 | ▼ 16.4% |
| Other operating charges640/8 | - | - | - | €364 | €370 | €378 | €5,953 | ▲ 1,475% |
| Gross operating margin9900 | €78,199 | €102,331 | €106,174 | €116,312 | €111,495 | €83,032 | €88,113 | ▲ 6.1% |
| Operating profit (loss)9901 | €15,076 | €44,344 | €47,424 | €55,893 | €40,307 | €5,125 | €17,310 | ▲ 238% |
| Financial income75/76B | - | - | - | €128 | €1 | €17 | €0 | ▼ 100% |
| Recurring financial income75 | - | - | - | €128 | €1 | €17 | €0 | ▼ 100% |
| Financial charges65/66B | - | - | - | €9,371 | €14,120 | €22,258 | €16,181 | ▼ 27.3% |
| Recurring financial charges65 | €13,214 | €12,046 | €10,520 | €9,371 | €14,120 | €22,258 | €16,181 | ▼ 27.3% |
| Profit (loss) for the period before taxes9903 | €1,862 | €32,298 | €36,904 | €46,650 | €26,188 | -€17,115 | €1,129 | ▲ 107% |
| Income taxes67/77 | €1,024 | €7,470 | €7,667 | €5,687 | €3,361 | €362 | €363 | ▲ 0.2% |
| Profit (loss) for the period9904 | €838 | €24,828 | €29,236 | €40,963 | €22,827 | -€17,477 | €767 | ▲ 104% |
| Profit (loss) for the period to be appropriated9905 | €838 | €24,828 | €29,236 | €40,963 | €22,827 | -€17,477 | €767 | ▲ 104% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €762,460 | €711,786 | €685,745 | €733,790 | €751,734 | €665,882 | €512,904 | ▼ 23.0% |
| Fixed assets21/28 | €756,970 | €702,213 | €651,242 | €684,043 | €734,855 | €657,326 | €475,253 | ▼ 27.7% |
| Tangible fixed assets22/27 | €756,970 | €702,213 | €651,242 | €684,043 | €734,855 | €657,326 | €475,253 | ▼ 27.7% |
| Land and buildings22 | - | - | - | €677,093 | €675,430 | €610,577 | €441,179 | ▼ 27.7% |
| Plant, machinery and equipment23 | - | - | - | €373 | - | - | - | - |
| Furniture and vehicles24 | - | - | - | €6,577 | €59,426 | €46,750 | €34,074 | ▼ 27.1% |
| Current assets29/58 | €5,491 | €9,573 | €34,503 | €49,747 | €16,879 | €8,556 | €37,651 | ▲ 340% |
| Amounts receivable within one year40/41 | €68 | €1,113 | €10,930 | €22,502 | €1,796 | €313 | €8,485 | ▲ 2,608% |
| Trade receivables40 | - | - | - | €20,622 | €146 | €218 | €8,485 | ▲ 3,796% |
| Other amounts receivable41 | - | - | - | €1,880 | €1,650 | €96 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €5,422 | €7,838 | €20,137 | €26,546 | €2,885 | €8,243 | €29,166 | ▲ 254% |
| Deferred charges and accrued income490/1 | - | - | - | €700 | €12,198 | €0 | - | - |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €762,460 | €711,786 | €685,745 | €733,790 | €751,734 | €665,882 | €512,904 | ▼ 23.0% |
| Equity10/15 | €122,548 | €147,377 | €176,613 | €217,576 | €240,403 | €222,925 | €223,692 | ▲ 0.3% |
| Contributions10/11 | €18,600 | - | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €103,948 | €128,777 | €158,013 | €198,976 | €221,803 | €204,325 | €205,092 | ▲ 0.4% |
| Non-distributable reserves130/1 | - | - | - | €1,860 | €1,860 | €0 | - | - |
| Reserves not available under the articles1311 | - | - | - | €1,860 | €1,860 | €0 | - | - |
| Distributable reserves133 | - | - | - | €197,116 | €219,943 | €204,325 | €205,092 | ▲ 0.4% |
| Amounts payable17/49 | €639,912 | €564,410 | €509,132 | €516,214 | €511,332 | €442,957 | €289,212 | ▼ 34.7% |
| Amounts payable after more than one year17 | €532,826 | €463,276 | €421,853 | €366,049 | €349,802 | €288,197 | €18,272 | ▼ 93.7% |
| Financial debts170/4 | - | - | - | €366,049 | €349,802 | €288,197 | €18,272 | ▼ 93.7% |
| Amounts payable within one year42/48 | €103,262 | €96,431 | €82,562 | €137,423 | €161,529 | €146,368 | €268,578 | ▲ 83.5% |
| Current portion of amounts payable after more than one year42 | - | - | - | €55,804 | €66,138 | €62,737 | €10,962 | ▼ 82.5% |
| Trade debts44 | €2,353 | €5,114 | €6,557 | €21,372 | €3,449 | €10,522 | €4,186 | ▼ 60.2% |
| Suppliers440/4 | - | - | - | €21,372 | €3,449 | €10,522 | €4,186 | ▼ 60.2% |
| Taxes, remuneration and social security45 | - | - | - | - | €967 | €362 | €682 | ▲ 88.3% |
| Taxes450/3 | - | - | - | - | €935 | €362 | €682 | ▲ 88.3% |
| Remuneration and social security454/9 | - | - | - | - | €32 | €0 | - | - |
| Other amounts payable47/48 | - | - | - | €60,247 | €90,975 | €72,747 | €252,747 | ▲ 247% |
| Accrued charges and deferred income492/3 | - | - | - | €12,742 | - | €8,392 | €2,362 | ▼ 71.9% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €838 | €24,828 | €29,236 | €40,963 | €22,827 | -€17,477 | €767 | ▲ 104% |
| + Depreciation and write-downs630 | €62,208 | €57,268 | €58,393 | €60,055 | €70,818 | €77,529 | €64,849 | ▼ 16.4% |
| Operating cash flow (approximation) | €63,046 | €82,096 | €87,629 | €101,018 | €93,645 | €60,052 | €65,616 | ▲ 9.3% |
| Investment in fixed assets (approximation) | - | -€2,512 | -€7,421 | -€92,856 | -€121,631 | €0 | €117,225 | - |
| Change in cash | - | €2,416 | €12,299 | €6,409 | -€23,661 | €5,357 | €20,923 | ▲ 291% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
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Of the 24,455 companies in this sector, figures are known for 19,973. 13,700 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Public contracts: not fully processed yet. The notices from December 2020 to September 2026 are still being read.