Equity
€27,141 ▲ 1.6%
BEFSAM paid out €84,000 in dividends. That is 100% of the 2025 profit.
BEFSAM
Lifetime
10 annual accounts with figures on one time axispeak €156,029 (2022)
€112,812▼ 13.0%
peak €116,743 (2022)
€84,416▼ 12.3%
peak €27,141 (2025)
€27,141▲ 1.6%
€99,649▼ 28.1%
Board2 names since 2020
2 directorsBernard Jakubowicz dit Polarski and 1 other
Documentsfilings and deeds
18-08-202618 days late
2025abbreviated format
Gross margin from €129,717 to €112,812Dividend €84,000Debts from €138,546 to €99,649
Key points
from the 2025 annual accountsDebts
€99,649 79% of the balance sheet
Suppliers 1%Taxes and wages 14%Other 84%
Payment terms
3 days to suppliers
BEFSAM pays its suppliers 1 day later than in 2024. Customers pay 37 days earlier.
2025 accounts filed 18 days after the deadline
Checked score
93
Excellent
Financially stronger than 47% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,933 companies (NACE 62, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.2%▲ +0.1 percentage points vs 07-2026highest value
09-2026: 0.1%▼ -0.1 percentage points vs 08-2026lowest value
10-2026: 0.1%● unchanged vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Liquidity: current ratio 1.15, cash €69,926
Figures for financial year 2025 (filed on 18-08-2026)
Size: turnover €257,841, total assets €126,790
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 62, micro). It does better than 23% of them on solvency, 40% on liquidity, 82% on profitability and 42% on growth.
The bankruptcy probability was computed on 10-11-2026 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 very low class on 30-06-2025, 0.1% 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, 5,053 companies had the same profile as BEFSAM has now. Each dot stands for 13 companies, two years later.
95.9%
were still trading
2.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of BEFSAM itself is lower: 0.1% within 12 months. It rests on far more data about BEFSAM than the profile alone.
Test of the method
The method was tested on the 497,448 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.
| 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 5,053 companies, not a prediction for BEFSAM. 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
Credit of up to €2,500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.15 (1.08 in 2024), below the usual 1.5. Short-term debt is 78.6% and cash 55.2% of total assets. 78.6% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers riskneutral
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
18 days late
2024
1 day early
2023
20 days early
2022
27 days early
2021
4 days early
2020
24 days late
2019
7 days early
← 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 2 days before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% 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 27 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0646757594
Changes of role: Bernard Jakubowicz dit Polarski (director) and Fabienne Cathérine Paule Wauters (director)
“L’achat et la vente,en gros ou au détail,de chevaux en particulier de chevaux de jumping; La…” (deed in French) · Director discharge: Bernard Jakubowicz dit Polarski · Director discharge: Fabienne Cathérine Paule Wauters · General meeting of 30-11-2020 · Gazette deed
First establishment
Chaussée de la Genette 10, Rebecq
Incorporation
published on 21-01-2016 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BEFSAM Rebecq | €126,790 | €112,812 | 21.4% | - |
| EMSEC Waterloo | €134,471 | €108,702 | 88.6% | - |
| DANHALO Waterloo | €133,400 | €96,391 | 17.0% | - |
| EXPECTED BEHAVIOUR Sint-Niklaas | €128,400 | €113,757 | 0.0% | - |
| VAN NESTE CONSULTING Jabbeke | €129,425 | €111,883 | 64.1% | - |
| Ithaca Quest Mortsel | €135,173 | €119,816 | 17.2% | - |
| GOMASE Lommel | €130,894 | €106,684 | 0.0% | - |
These companies have the same main activity as BEFSAM: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €128,000 and €135,000, founded between 2015 and 2016.
Official details
Source: KBO- Status
- Active since 19-01-2016Normal situation
- Activity
- Computer consultancy and computer facilities managementNACE 62200
- Establishment unit
- 2.249.357.5461430 Rebecq, since 26-01-2016
- Financial year end
- 31 December
- Peppol
- Reachable since 07-01-2026
Insights on BEFSAM
BEFSAM files the abbreviated format. That format states no turnover. The gross margin rose from €103,267 in 2016 to €112,812 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about BEFSAM
- What is the company number of BEFSAM?
- The company number of BEFSAM is 0646.757.594. The VAT number is the same number with BE in front: BE 0646.757.594.
- Where is BEFSAM based?
- The registered office is at Chaussée de la Genette 10, 1430 Rebecq.Company details
- What does BEFSAM do?
- According to the KBO register, the main activity is computer consultancy and computer facilities management (NACE 62200).
- What is the legal form of BEFSAM?
- BEFSAM is a private limited company (BV).
- When was BEFSAM founded?
- BEFSAM was founded on 19-01-2016.
- Is BEFSAM still active?
- Yes, BEFSAM is an active enterprise in the KBO register.
- What is the turnover of BEFSAM?
- The turnover of BEFSAM was €257,841 in financial year 2025, according to the filed annual accounts.Financials
- Is BEFSAM profitable?
- In financial year 2025, BEFSAM made a profit of €84,416.
- Where can I find the annual accounts of BEFSAM?
- BEFSAM filed 10 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of BEFSAM due?
- BEFSAM must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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