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be.tec

Active Private limited companyfounded 2018active for 8 yearsChemin de Mons à Gand 251, 7864 LessinesKBO/BCE: BE 0708.898.863

Overview

Lifetime

7 annual accounts with figures on one time axis
peak €230,021 (2022)
€3,235▲ €21,222
lowest -€92,181 (2020)
€486▲ €28,681
peak €46,624 (2021)
-€62,080▲ €486
€98,226▼ 0.1%
Board1 name since 2024
1 directorOSMANOVIC Samir
Documentsfilings and deeds
14-08-202614 days late
2025micro format
Gross margin from -€17,987 to €3,235Back to profit: €486

Key points

from the 2025 annual accounts

Equity

-€62,080
202020212022202320242025

Debts exceed assets in financial year 2025.

Debts

€98,226 272% of the balance sheet
Suppliers 2%Taxes and wages 3%Other 95%

Position in the sector

-171.7%

Lower solvency than 95% of companies in fabricated metal products. Sector median 44.2% · 2,341 companies.

2025 accounts filed 14 days after the deadline

Checked score

53
Fair
Financially stronger than 21% of micro companies in fabricated metal products (NACE 25)
Probability in this band: 1.5% to 4.2%

Negative equity caps the score at 59.

Bankruptcy probability within 12 months
1.5% Moderate
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: 0.5% across 3,710 companies (NACE 25, micro).

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: 4.2% 01-2025: 3.9%▼ -0.3 percentage points vs 12-2024 02-2025: 4.0%▲ +0.1 percentage points vs 01-2025 03-2025: 3.8%▼ -0.2 percentage points vs 02-2025 04-2025: 3.8%● unchanged vs 03-2025 05-2025: 3.8%● unchanged vs 04-2025 06-2025: 3.7%▼ -0.1 percentage points vs 05-2025 07-2025: 3.7%● unchanged vs 06-2025 08-2025: 4.7%▲ +1.0 percentage point vs 07-2025highest value 09-2025: 3.5%▼ -1.2 percentage points vs 08-2025 10-2025: 3.5%● unchanged vs 09-2025 11-2025: 3.5%● unchanged vs 10-2025 12-2025: 3.5%● unchanged vs 11-2025 01-2026: 3.5%● unchanged vs 12-2025 02-2026: 3.5%● unchanged vs 01-2026 03-2026: 3.4%▼ -0.1 percentage points vs 02-2026 04-2026: 3.4%● unchanged vs 03-2026 05-2026: 3.3%▼ -0.1 percentage points vs 04-2026 06-2026: 3.2%▼ -0.1 percentage points vs 05-2026 07-2026: 3.2%● unchanged vs 06-2026 08-2026: 4.1%▲ +0.9 percentage points vs 07-2026 09-2026: 1.7%▼ -2.4 percentage points vs 08-2026 10-2026: 1.6%▼ -0.1 percentage points vs 09-2026 11-2026: 1.5%▼ -0.1 percentage points vs 10-2026lowest value

Financial strength
Weak

0=equity -171.7% of total assets
1+1short-term debt 271.7% · cash 0.5%
70+70return on assets 1.3%

Score breakdown

raises risk
Capped at 59: negative equity
Negative equity -€62,080
Sector: Manufacture of fabricated metal products, except machinery and equipment (NACE 25)
Liquidity: current ratio 0.36, cash €188
lowers risk
Size: total assets €36,146
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 25, micro). It does better than 3% of them on solvency, 2% on liquidity, 39% on profitability and 38% on growth.

The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

The probability rests on the annual accounts with balance sheet date 31-12-2025.

Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

Comparable companies, two years later

In July 2024, 906 companies had the same profile as be.tec has now. Each dot stands for 3 companies, two years later.

89.4%
were still trading
4.1%
stopped another way
6.1%
went bankrupt
  • Micro
  • 5 to 10 years old
  • negative equity
  • a profit under 5% of the balance sheet

Another 0.4% stopped without a precise date, possibly only after those two years.

That fits the bankruptcy probability of be.tec itself: 1.5% within 12 months.

Test of the method

The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.

The companies in ten equal groups, from the lowest to the highest expected share
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.

This is an observation about 906 companies, not a prediction for be.tec. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.

Credit verdict

No credit on open account

Liquidity is insufficient, with a current ratio of 0.36 (0.33 in 2024), below 1. Short-term debt is 271.7% and cash 0.5% of total assets. Equity is negative.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises risk
lowers risk · Size: total assets €36,146
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Negative equity -€62,080
NBB · annual accounts
raises risk · Sector: Manufacture of fabricated metal products, except machinery and equipment (NACE 25)
KBO
raises risk · Liquidity: current ratio 0.36, cash €188
NBB · annual accounts
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 2341 sector peers (2025).
NBB · sector comparison
Position among 2341 sector peers
Solvency
better than 5%
← weakest strongest →
raises risk · 2025 accounts filed 14 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 7 filings
Deviation from the deadline
2025
14 days late
2024
27 days late
2023
40 days early
2022
22 days late
2021
75 days late
2020
19 days late
2019
36 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 22 days after the deadline. In the sector (NACE 25), the median for financial year 2024 was 7 days before the deadline, and 35% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 22 August (4 of the last 5 accounts filed within 53 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Board and ownership

OS
Director
Board & ownership

Recent changes

Registered in the Peppol Directory Reachable for e-invoices through 0208:0708898863
Change of role: OSMANOVIC Samir, from manager to director Director discharge: OSMANOVIC Samir · General meeting of 20-12-2023 · Gazette deed
Incorporation published on 12-10-2018 · Gazette deed
First establishment Chemin de Mons à Gand 251, Lessines
All 15 events

Comparable companies

same main activity, similar in size and age
Company
be.tec Lessines €36,146 €3,235 -171.7% -
STORES LEFEVRE Liège €24,608 €4,880 12.7% -
Steel & Style Turnhout €32,876 €7,577 80.0% -
ECO TAX Sint-Pieters-Leeuw €53,228 -€15,807 -170.2% -
Verposol Bruges €17,604 €2,443 17.3% -
Nordag Harelbeke €22,827 €0 100.0% -
SABR GROUP Ternat €47,169 €10,446 47.9% -

These companies have the same main activity as be.tec: manufacture of fabricated metal products, except machinery and equipment (NACE 25120). They are comparable in size and age: total assets between €17,600 and €53,200, founded between 2012 and 2023.

Official details

Source: KBO
Status
Active since 10-10-2018Normal situation
Activity
Manufacture of fabricated metal products, except machinery and equipmentNACE 25120and 1 other
Establishment unit
2.354.107.6487864 Lessines, since 10-10-2018
Financial year end
31 December
Peppol
Reachable since 30-01-2025
Company details

Annual accounts 2025

€3,235
≈ €22,000estimated
€486
-€62,080▲ 0.8%
€36,146▲ 1.2%
Filing
Filed on 14-08-2026
Financials

Insights on be.tec

be.tec files the micro format. That format states no turnover. The gross margin fell from €67,908 in 2019 to €3,235 in 2025.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

micro format, filed on 14-08-2026, 14 days late
€3,235
▲ €21,222
€781
▲ €28,682
€486
▲ €28,681
-€63,130
▲ €2,940
-171.7%
▲ 3.4 percentage points
0.36
▲ 0.03

Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.

Turnover ≈ €22,000. Estimated: probably between €9,200 and €43,000.

Balance sheet

balance sheet total €36,146 on 31-12-2025
What the company ownsHow it is paid for

in euro

Position in the sector

-171.7%

Lower than 95% of 2,341 companies in 2025.

0.36

Higher than 6% of 2,307 companies in 2025.

1.3%

Higher than 30% of 2,321 companies in 2025.

be.tec Middle half of the sector 80% of the sector Micro accounts in fabricated metal products (NACE 25)

Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: bottom quarter

Staff

Staff costs divided by the average number of full-time equivalents.

people who joined people who left

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend2025202420232022202120202019
Balance sheet: assets
20/58 36,14635,72950,750134,62672,07918,734112,029
21/28 1,0503,50410,20130,98723,28917,70632,907
22/27 1,0503,50410,20130,98723,28917,70632,907
22 ------6,650
23 1,0502,1313,2148,2048,95311,72715,635
24 -1,3736,98722,11512,9983,9747,948
26 ---6681,3382,0052,674
29/58 35,09632,22540,549103,63948,7901,02879,122
3 29,40829,40829,408----
30/36 29,40829,40829,408----
40/41 5,5002,81710,27568,2756,6604978,456
40 5,5002,8032,54968,275-4951,716
41 -147,726-6,660-26,740
54/58 188-866-40,6522243
490/1 ---35,3641,478755663
Balance sheet: equity and liabilities
10/49 36,14635,72950,750134,62672,07918,734112,029
10/15 -62,080-62,566-34,37137,27146,624-53,96338,218
10/11 6,2006,2006,2006,2006,2006,2006,200
10 -6,2006,2006,2006,200--
100 -18,60018,60018,60018,60018,60018,600
101 -12,40012,40012,40012,40012,40012,400
13 1,8601,8601,8601,8601,8601,8601,860
130/1 1,8601,8601,8601,8601,8601,860-
130 -1,8601,8601,8601,8601,8601,860
1319 1,860------
14 -70,140-70,626-42,43129,21138,564-62,02330,158
17/49 98,22698,29585,12197,35525,45572,69773,811
42/48 98,22698,29585,12197,35525,45572,69773,811
43 ---5---
430/8 ---5---
44 1,996-69686,56916,19628,98466,503
440/4 1,996-69686,56916,19628,98466,503
46 3,483------
45 2,8961,9282,8933,8299,2598,0297,308
450/3 2,8961,9282,8934896,4898,0297,308
454/9 ---3,3402,770--
47/48 89,85196,36781,5326,952-35,684-
Income statement
9900 3,235-17,987-48,682230,021133,381-76,03167,908
60/61 -----98,003135,081
62 ---3,34042,41115,366--
630 2,4546,69720,78614,3209,8968,2018,901
631/4 ---178,948-4,100-
640/8 -3,2175,1273,1963,2883,56519,639
9901 781-27,901-71,255-8,854104,831-91,89739,368
75/76B ------5
75 ------5
65/66B 29529438738634617547
65 29529438738634617547
9903 486-28,195-71,642-9,240104,485-92,07239,326
67/77 ---1133,8981097,308
9904 486-28,195-71,642-9,353100,587-92,18132,018
9905 486-28,195-71,642-9,353100,587-92,18132,018
Appropriation of the result
9906 -70,140-70,626-42,43129,21138,564-62,02332,018
14P -70,626-42,43129,21138,564-62,023--
691/2 ------1,860
6920 ------1,860
Social balance sheet
9087 ---1---
Hours worked1013 ---1,826---
Document PDFPDFPDFPDFPDFPDFPDF

The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 14-08-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank

2025 annual accounts filed 14 days after the deadline. Filed on 14 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00398094.

Financial year Type Filed Reference Document
31-12-2025 micro format 14-08-2026 2026-00398094 PDF
31-12-2024 micro format 27-08-2025 2025-00409548 PDF
31-12-2023 micro format 21-06-2024 2024-00164370 PDF
31-12-2022 micro format 22-08-2023 2023-00341047 PDF
31-12-2021 micro format 14-10-2022 2022-20467675 PDF
31-12-2020 micro format 19-08-2021 2021-50500349 PDF
31-12-2019 micro format 05-09-2020 2020-51300513 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend2025202420232022202120202019
3,235-21,204-50,4695,466114,727-83,69648,269
2,940-21,498-50,8564,967110,483-83,98040,919
00022,01815,479-7,00041,808
----40,428221-
-63,130-66,070-44,5726,28423,335-71,6695,311
-171.7%-175.1%-67.7%27.7%64.7%-288.0%34.1%
0.360.330.481.061.920.011.07
0.060.030.131.061.920.011.07
---2.610.55-1.93
----25.1%215.7%-83.8%
1.3%-78.9%-141.2%-6.9%139.6%-492.1%28.6%
10.97-72.12-130.4114.16over 100--
-----108 days180 days

Debt to equity is not shown because equity is negative. Debt divided by negative equity means nothing.

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Social balance sheet

Item31-12-202331-12-2022
Employees at the balance-sheet date-1
full-time-1
in full-time equivalents-1
-1
Joined-1
Left-0

Source: social balance sheet in the 2022 to 2023 annual accounts

Investments

fixed assets acquired
Item20252024202320222021
Tangible fixed assets---€22,018€15,479
€2,454€6,697€20,786€14,320€9,896

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on be.tec

The operating result for 2025 is a profit of €781, after a loss of €27,901 in 2024. It is the highest result since 2021.

Equity is negative. Debt (€98,226) exceeds the balance-sheet total (€36,146).

Board & ownership

Board

1 director, last change in 2024
Director (not named in the articles)
appointed by deed of 22-01-2024 term without a fixed end
earlier manager (not named in the articles), until 22-01-2024

Office holders in the KBO →

Mandates through the years

1 name, the dashed line is today
OSMANOVIC Samir
Director (not named in the articles)
BoardEarliermandate already running before its first mention
Mandates as a list
  • OSMANOVIC Samir
    • Director (not named in the articles), appointed by deed of 22-01-2024, still in office
    • Manager (not named in the articles), until 22-01-2024

See the board, name and registered office on a given date →

Control

Capital

Contribution
€6,200
Source
2025 annual accounts

Articles of association

deed of 22-01-2024 (in French)
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
Board ruleThese rules set how the board is made up, meets and takes decisions.
At least 1 director
“Assemblée générale décide gratuité ou non, assemblée majorité absolue ou actionnaire unique détermine montant fixe ou proportionnel”
Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
“Moitié cédant,moitié acquéreurs proportionnellement actions acquises, héritiers et légataires non de plein droit tiennent solliciter…”
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Third Thursday of June at 10:00

Network & group

No group

be.tec has no parent and no holdings in its annual accounts. OSMANOVIC Samir is the only director. be.tec shares no director with another company.

Timeline

Timeline

15 events since 2018

Deadline for the 2026 accounts: 31-07-2027

2026
Annual accounts 2025 filed NBBmicro format · 14 days late
2025
Back to profit net €486 The net result is €486, after 3 loss-making years.
Annual accounts 2024 filed PDFmicro format · 27 days late
Registered in the Peppol Directory Reachable for e-invoices through 0208:0708898863
2024
Annual accounts 2023 filed PDFmicro format · 40 days before the deadline
Change of role: OSMANOVIC Samir, from manager to directorDirector discharge: OSMANOVIC Samir · General meeting of 20-12-20236 points ▸
  • Director appointment, OSMANOVIC Samir (director (not named in the articles))
  • Director resignation, OSMANOVIC Samir (manager (not named in the articles))
  • Director discharge, OSMANOVIC Samir
  • Registered office clause, Chemin de Mons à Gand 251, 7864 Lessines (Deux-Acren)
  • General meeting, 20-12-2023
  • 100 shares
  • The deed holds 5 more points.

Open the deed in the Belgian Official Gazette

2023
Annual accounts 2022 filed PDFmicro format · 22 days late
2022
Annual accounts 2021 filed PDFmicro format · 75 days late
2021
Back to profit net €100,587 The net result is €100,587, after one loss-making year.
Liquidity more than 135 times current ratio 1.92 The current ratio rises from 0.01 to 1.92. Short-term debt falls from €72,697 to €25,455.
Annual accounts 2020 filed PDFmicro format · 19 days late
2020
Weakest financial year net -€92,181 The net result drops to -€92,181, the lowest from 2019 to 2025. It recovers the following year.
Annual accounts 2019 filed PDFmicro format · 36 days late
2018
Incorporation PDFpublished on 12-10-2018
First establishment Chemin de Mons à Gand 251, Lessines

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

Be.tec was incorporated on 10 October 2018.1 Total assets fell from €112,029 in 2019 to €36,146 in 2025.2

  1. 1KBO register
  2. 2National Bank, annual accounts 2019 and 2025

Company details

Identity

Enterprise number
0708.898.863
VAT number
BE 0708.898.863
Peppol ID
0208:0708898863
Other Peppol ID
9925:BE0708898863
Legal form
Private limited company
Status
Active, normal situation
Founded
10-10-2018
Financial year
ends on 31 December
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Third Thursday of June at 10:00
deed of 22-01-2024 (in French)
Peppol
Reachable since 30-01-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
be.tec in French
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 22-01-2024 (in French)

Activities

NACEBEL 2025
Codes under NACEBEL 2008
25120 Manufacture of fabricated metal products, except machinery and equipment main activity
43320 Joinery installation
PurposeThe purpose describes the activities the company may carry out under its articles.
“Toutes opérations d’entreprises de travaux en général; Toutes activités d’entrepreneur,tous travaux intérieurs ou extérieurs d’aménagement…”
8 activities
  1. Toutes opérations d’entreprises de travaux en général
  2. Toutes activités d’entrepreneur,tous travaux intérieurs ou extérieurs d’aménagement de jardins et bâtiment,tant neufs qu’anciens,maçonnerie,plomberie,d’installation électrique,travaux de peinture,pose de revêtements de sol,pose de revêtements de mur,de plafond,travaux de carrelages,de parquet,de tapis;le nettoyage des façades par vapeur ou par sablage,la peinture de navires et bateaux,travaux d’isolation,montage de menuiserie pour cuisines,escaliers,portes,fenêtres et placards,travaux d’isolation,installation d’échafaudages et tous travaux se rapportant directement ou indirectement à ce type d’activité
  3. Le déblayage de chantiers,les travaux de terrassement,les drainages de terrains,les sondages et carottages de sol et de nappes aquifères pour la construction,forages horizontaux pour câblages ou tuyaux,construction de réseaux d’adduction,de distribution et d’évacuation d’eau,marquages à la peinture des chaussées et/ou parkings,travaux de dragage,travaux de ferraillage et pose de pieux,pose de chape,etc.
  4. Toutes opérations d’import-export et de négoce en gros ou en détail,d’achat,de vente,de promotion,de fabrication,de représentation,de vins et spiritueux et autres denrées alimentaires et de tous produits en relation avec le vin,les spiritueux,toutes autres boissons alcoolisées ou non,l’art de la table et en général toutes opérations commerciales,industrielles et/ou financières s’y rattachant
  5. La conception,l’étude,de promotion,l’organisation d’évènements,la formation,le coaching et la réalisation tous projets liés directement ou indirectement à son objet social et tout ce qui s’y rapporte
  6. La consultante et les avis technique en matière de construction et rénovation,la formation et le coaching au sens le plus large
  7. Tout achat,vente et/ou valorisation de tout bien immeuble,la vente,l’achat,l’import,l’export au détail ou en gros de tout matériau de construction,ainsi que toute prestation sur chantier,toute prestation d’aménagement et/ou décoration d’intérieur ou d’extérieur
  8. Le commerce sous toutes ses formes et notamment,la confection l’achat,le rachat,la vente et la réparation de bijoux objets de brocante,métaux précieux,le tout pour elle-même et en sous-traitance
deed of 22-01-2024 (in French)

Registered office and establishments

1 establishment
Establishment Since Unit number
Chemin de Mons à Gand 251 registered office 7864 Lessines 25110 Manufacture of metal structures and parts of structures 10-10-2018 2.354.107.648

Buildings and parcels at the address

Ground area
5,851 m²
Buildings
168 m²
Volume, LiDAR
955 m³
Tallest building
10.8 m
Buildings to scale, each on its own parcel
168 m², 10.8 m 168 m², 10.8 m

Location

registered office establishment The establishment unit on the map

Parcels

Cadastral parcelArea Buildings Height / floors
55007D0009/00R0035,851 m² 1 · 168 m² 10.8 m · 2

Contact

E-mail betec.belgique@gmail.com

Invoicing and payment

Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0708.898.863