Summary
BEH² 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 €20,969 and a net result of €570,460. Its solvency ranks better than 7% of 1,853 sector peers (NACE 66, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 13-02-2023 Normal situation
- Activity
- Agents and brokers in banking services NACE 66191and 3 others
- Establishment units
- 2.341.557.036 5590 Ciney, since 01-07-2023
- 2.341.557.234 5500 Dinant, since 01-07-2023and 2 others
- Financial year end
- 31 December
- Peppol
- Reachable since 02-11-2024
Board and ownership
Board
- BEGUIN JC ManagementDirector · permanent representative BEGUIN Jean-Christophe
- JPATRICK EVRARD MANAGEMENTDirector · permanent representative Jean-Patrick EVRARD
- OLIVIER HANOULDirector
Shareholders
- Beguin JC Management15%2025 annual accounts of Beguin JC Management
- JPatrick Evrard Management15%2025 annual accounts of JPatrick Evrard Management
- GC MANAGEMENT10%2025 annual accounts of GC MANAGEMENT
Financial position
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
- Profit
- €570,460
- ▲ 13.7%
- Equity
- €20,969
- ▲ 2.2%
- Total assets
- €3.9m
- ▼ 7.6%
- Employees on 31-12-2025
- 17
- ▲ 6.3%
Signalsraises riskWeak solvency compared with the sectorneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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
Two signals.
raises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 7% of 1853 sector peers (2025).
NBB · sector comparisonPosition among 1853 sector peers
Solvency
better than 7%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-06-2026, 49 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
49 days early
2024
49 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 49 days before the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% 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.
Companies Code · seven monthsWhere today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, abbreviated format
Annual accounts 2025 filed on 12-06-2026 at the NBB all 2 filings
Equity
€20,969▲ 2.2%
2024 · €20,508
Net result
€570,460▲ 13.7%
2024 · €501,784
Total assets
€3.9m▼ 7.6%
2024 · €4.2m
Solvency
0.5%▲ 0.1pp
2024 · 0.5%
In the rankings
#4 company by total assets in Ciney, Finance and insurance sector#5 employer in the province of Namur, Auxiliary financial services sector
Trend over the years
2024 to 2025, 2 financial years
The operating result for 2025 is 8% lower than in 2024.
Operating result€0.7m
2025
Net result€0.6m
2025
Total assets€3.9m
2025
Equity€0.02m
2025
Debt€3.8m
2025
Working capital-€0.04m
2025
Return on assets (ROA)14.8%
2025
Solvency0.5%
2025
Current ratio0.96
2025
Staff (FTE)14.8
2025
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Average staff per financial year, in full-time equivalents (FTE).
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Activities auxiliary to financial services and insurance activities (NACE 66). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio, return on assets (ROA) and staff (FTE).
Every figure with its change against the financial year before
favourable
unfavourable
Line20242025
Operating result€0.8m-€0.7m▼ 7.7%
Net result€0.5mabove the sector's middle half-€0.6mabove the sector's middle half▲ 13.7%
Equity€0.02mbelow the sector's middle half-€0.02mbelow the sector's middle half▲ 2.2%
Total assets€4.2mabove the sector's middle half-€3.9mabove the sector's middle half▼ 7.6%
Debt€4.2m-€3.8m▼ 7.7%
Working capital-€0.03mwithin the sector's middle half--€0.04mbelow the sector's middle half▼ 37.0%
Solvency0.5%below the sector's middle half-0.5%below the sector's middle half▲ 0.1pp
Current ratio0.97within the sector's middle half-0.96within the sector's middle half▼ 0.01
Return on assets (ROA)12.0%within the sector's middle half-14.8%within the sector's middle half▲ 2.8pp
Staff (FTE)15.5above the sector's middle half-14.8above the sector's middle half▼ 4.5%
above
within
below
The sector band is the middle half of the companies in Activities auxiliary to financial services and insurance activities (NACE 66). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.9m
Fixed assets
€2.8m ▼ 11.8%
Current assets
€1.0m ▲ 5.9%
Equity and liabilities €3.9m
Equity
€20,969 ▲ 2.2%
Debt
€3.8m ▼ 7.7%
Debt's share of the balance-sheet total falls from 99.5% to 99.5%. Equity is higher and debt is lower.
Key figures and ratios
Debt ≤ 1 year
€1.1m▲
2024 · €1.0m
Debt > 1 year
€2.7m▼
2024 · €3.0m
Income taxes
€14,885▼
2024 · €39,632
Staff costs
€993,295▼
2024 · €1.5m
A ratio outside any meaningful range has been withheld (balance sheet total €3.9m, equity €20,969).
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Staff
| Item | 31-12-2024 | 31-12-2025 |
|---|---|---|
| Employees at the balance-sheet date | 16 | 17 |
| full-time | 12 | 11 |
| part-time | 4 | 6 |
| in full-time equivalents | 15 | 15.6 |
| Average over the year, in full-time equivalents | 15.5 | 14.8 |
| On a permanent contract | 16 | 17 |
| Joined | 21 | 2 |
| Left | 5 | 1 |
Source: social balance sheet in the 2024 to 2025 annual accounts
Investments
| Item | 2024 | 2025 |
|---|---|---|
| Tangible fixed assets | €47,836 | - |
| Intangible fixed assets | €3.7m | - |
| Depreciation and write-downs of the year | €565,979 | €377,423 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Remuneration, social security and pensions62 | €1.5m | €1.0m | ▼ 35.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €0.6m | €0.4m | ▼ 33.3% |
| Other operating charges640/8 | €0.001m | €0.001m | ▼ 17.9% |
| Non-recurring operating charges66A | €0.003m | - | - |
| Gross operating margin9900 | €2.9m | €2.1m | ▼ 27.7% |
| Operating profit (loss)9901 | €0.8m | €0.7m | ▼ 7.7% |
| Financial income75/76B | €0.003m | €0.003m | ▲ 30.4% |
| Recurring financial income75 | €0.003m | €0.003m | ▲ 30.4% |
| Financial charges65/66B | €0.2m | €0.1m | ▼ 45.9% |
| Recurring financial charges65 | €0.2m | €0.1m | ▼ 45.9% |
| Profit (loss) for the period before taxes9903 | €0.5m | €0.6m | ▲ 8.1% |
| Income taxes67/77 | €0.04m | €0.01m | ▼ 62.4% |
| Profit (loss) for the period9904 | €0.5m | €0.6m | ▲ 13.7% |
| Profit (loss) for the period to be appropriated9905 | €0.5m | €0.6m | ▲ 13.7% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €4.2m | €3.9m | ▼ 7.6% |
| Fixed assets21/28 | €3.2m | €2.8m | ▼ 11.8% |
| Intangible fixed assets21 | €3.2m | €2.8m | ▼ 11.8% |
| Tangible fixed assets22/27 | €0.01m | €0.01m | ▼ 23.0% |
| Furniture and vehicles24 | €0.01m | €0.01m | ▼ 23.0% |
| Current assets29/58 | €1.0m | €1.0m | ▲ 5.9% |
| Current investments50/53 | - | €0.05m | - |
| Cash at bank and in hand54/58 | €0.3m | €0.1m | ▼ 45.4% |
| Deferred charges and accrued income490/1 | €0.7m | €0.8m | ▲ 18.1% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €4.2m | €3.9m | ▼ 7.6% |
| Equity10/15 | €0.02m | €0.02m | ▲ 2.2% |
| Contributions10/11 | €0.02m | €0.02m | = |
| Profit (loss) carried forward14 | €0.001m | €0.001m | ▲ 90.6% |
| Amounts payable17/49 | €4.2m | €3.8m | ▼ 7.7% |
| Amounts payable after more than one year17 | €3.0m | €2.7m | ▼ 11.6% |
| Financial debts170/4 | €3.0m | €2.7m | ▼ 11.6% |
| Amounts payable within one year42/48 | €1.0m | €1.1m | ▲ 6.8% |
| Current portion of amounts payable after more than one year42 | €0.3m | €0.4m | ▲ 2.2% |
| Financial debts43 | €0.009m | - | - |
| Credit institutions430/8 | €0.009m | - | - |
| Trade debts44 | €0.004m | €0.005m | ▲ 31.3% |
| Suppliers440/4 | €0.004m | €0.005m | ▲ 31.3% |
| Taxes, remuneration and social security45 | €0.2m | €0.2m | ▲ 0.3% |
| Taxes450/3 | €0.05m | €0.02m | ▼ 50.7% |
| Remuneration and social security454/9 | €0.1m | €0.1m | ▲ 21.9% |
| Other amounts payable47/48 | €0.5m | €0.6m | ▲ 13.7% |
| Accrued charges and deferred income492/3 | €0.1m | €0.07m | ▼ 34.3% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €0.5m | €0.6m | ▲ 13.7% |
| + Depreciation and write-downs630 | €0.6m | €0.4m | ▼ 33.3% |
| Operating cash flow (approximation) | €1.1m | €0.9m | ▼ 11.2% |
| Investment in fixed assets (approximation) | - | €0 | - |
| Change in cash | - | -€0.1m | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Board & ownership
Directors
Directors
6 directors, no change since 2024
Board 6
BEGUIN JC Management
Current
Administrateurnonstatutaire · appointed in the act of 15-02-2023 · term without a fixed end · Legal entity · permanent representative: BEGUIN Jean-Christophe
JPATRICK EVRARD MANAGEMENT
Current
Administrateurnonstatutaire · appointed in the act of 15-02-2023 · term without a fixed end · Legal entity · permanent representative: Jean-Patrick EVRARD
OLIVIER HANOUL
Current
Administrateurnonstatutaire · appointed in the act of 15-02-2023 · term without a fixed end · Legal entity · permanent representative: HANOUL Olivier Jacques Ghislain
GC MANAGEMENT
Current
Director · appointed in the act of 12-04-2024 · term without a fixed end · Private limited company · permanent representative: GILTAIRE Christophe
Ninane E. Management
Current
Director · appointed in the act of 12-04-2024 · term without a fixed end · Private limited company · permanent representative: NINANE Emilie
RENAUD HAGUINET BV
Current
Administrateurnonstatutaire · appointed in the act of 15-02-2023 · earlier director, until 12-04-2024 · term without a fixed end · Private limited company · permanent representative: HAGUINET Renaud Christian Eva Michel
Permanent representatives 6
BEGUIN Jean-Christophe
Current
Permanent representative · appointed in the act of 15-02-2023 · for BEGUIN JC Management
HANOUL Olivier Jacques Ghislain
Current
Permanent representative · appointed in the act of 15-02-2023 · for OLIVIER HANOUL
Jean-Patrick EVRARD
Current
Permanent representative · appointed in the act of 15-02-2023 · for JPATRICK EVRARD MANAGEMENT
GILTAIRE Christophe
Current
Permanent representative · appointed in the act of 12-04-2024 · for GC MANAGEMENT
NINANE Emilie
Current
Permanent representative · appointed in the act of 12-04-2024 · for Ninane E. Management
HAGUINET Renaud Christian Eva Michel
Current
Permanent representative · appointed in the act of 15-02-2023 · for RENAUD HAGUINET BV
Owners and capital
Shareholders
3 ownersOwners 3
- Equity €6,281 Profit of €179,166 in 2025 (profit of €201,506 in 2024)15%
- Equity €6,829 Profit of €223,474 in 2025 (profit of €206,466 in 2024)15%
- Equity €23,195 Profit of €58,040 in 2025 (profit of €169,855 in 2024)10%
Capital transactions
Shareholders according to the deeds
At incorporation
act of 15-02-2023 ↗
- BEGUIN JC Management 30 shares (15%)
- JPATRICK EVRARD MANAGEMENT 30 shares (15%)
- OLIVIER HANOUL 30 shares (15%)
- RENAUD HAGUINET 30 shares (15%)
- BEGUIN Jean-Christophe 20 shares (10%)
- EVRARD Jean-Patrick Louis Daniel Ghislain 20 shares (10%)
- HANOUL Olivier Jacques Ghislain 20 shares (10%)
- HAGUINET Renaud Christian Eva Michel 20 shares (10%)
Capital over time
- 15-02-2023 Incorporation · €20,000 · 200 shares
Mandate history
6 people, 6 in office
- Board
| Name | Functions and periods |
|---|---|
| BEGUIN JC Management |
|
| JPATRICK EVRARD MANAGEMENT |
|
| OLIVIER HANOUL |
|
| RENAUD HAGUINET |
|
| GC MANAGEMENT |
|
| Ninane E. Management |
|
Articles of association
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Moitié cédant,moitié acquéreurs au prorata, mêmes formalités”
Articles of association, deed of 15-02-2023 (in French)
Network & group
Companies at the same address
1 other companyConnections & network
1 connected companyThe connected companies are in the list below.
This company
Company
Director
Shareholding
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Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
12-06
abbreviated format · 49 days before the deadline
2025
12-06
full format · 49 days before the deadline
2024
12-04
Gazette deed
Resignation: RENAUD HAGUINET (director)Appointments: Ninane E. Management (director) and GC MANAGEMENT (director) · Permanent representatives: NINANE Emilie and GILTAIRE Christophe13 points ▸
Gazette deed
Resignation: RENAUD HAGUINET (director)
Appointments: Ninane E. Management (director) and GC MANAGEMENT (director) · Permanent representatives: NINANE Emilie and GILTAIRE Christophe13 points ▸
- General meeting, 09-04-2024
- Other provision, “présence à l'assemblée générale”, 09-04-2024 (deed in French), mentioned 3 times in the deed
- Other provision, “présence à l'assemblée générale, en personne” (deed in French), mentioned 4 times in the deed
- Director resignation, RENAUD HAGUINET (director)
- Director appointment, Ninane E. Management (director)
- Permanent representative, NINANE Emilie
- Director appointment, GC MANAGEMENT (director)
- Permanent representative, GILTAIRE Christophe
- Other provision, 22-03-2024, “statuts non modifiés depuis la constitution” (deed in French)
- Other provision, “presence at extraordinary general meeting”, 1 (deed in French)
- Other provision, “presence at extraordinary general meeting”, 2 (deed in French)
- Other provision, “presence at extraordinary general meeting”, 3 (deed in French)
- The act holds 1 more point.
2023
15-02
Gazette deed
IncorporationStarting capital €20,000 · Appointments: BEGUIN JC Management, JPATRICK EVRARD MANAGEMENT and 2 others · Permanent representatives: BEGUIN Jean-Christophe, Jean-Patrick EVRARD and 2 others · Founder24 points ▸
Gazette deed
Incorporation
Starting capital €20,000 · Appointments: BEGUIN JC Management, JPATRICK EVRARD MANAGEMENT and 2 others · Permanent representatives: BEGUIN Jean-Christophe, Jean-Patrick EVRARD and 2 others · Founder24 points ▸
- Incorporation, 10-02-2023
- Founder, BEGUIN JC Management
- Founder, JPATRICK EVRARD MANAGEMENT
- Founder, OLIVIER HANOUL
- Founder, RENAUD HAGUINET
- Founder, BEGUIN Jean-Christophe
- Founder, EVRARD Jean-Patrick Louis Daniel Ghislain
- Founder, HANOUL Olivier Jacques Ghislain
- Founder, HAGUINET Renaud Christian Eva Michel
- Founding capital, €20,000
- Bank account, “compte spécial au nom de la société en formation”, 20000 (deed in French)
- Other provision, “fonds à disposition”, 20000 (deed in French)
- The act holds 12 more points.
Gazette deedNBB filing
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
On 13 February 2023, BEH² was incorporated as a private limited company by BEGUIN JC Management, JPATRICK EVRARD MANAGEMENT, two other companies and four natural persons, with a starting capital of €20,000.12 Today the board has 6 members.3 The company has filed 2 sets of annual accounts, the latest for financial year 2025.4
Company details
Register details
Identity
KBO recordName
BEH² in French
Enterprise number
0798.387.796
Legal form
Private limited company
Status
Active, normale toestand
Founded
13-02-2023
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 15-02-2023 (in French)Registered office and establishments
Registered office
Rue du Commerce 36, 5590 Ciney, Belgium
Establishment units
ING Ciney, Rue du Commerce 36, 5590 Ciney since 01-07-2023 · unit number 2.341.557.036
ING Dinant, Rue Saint-Jacques 350, 5500 Dinant since 01-07-2023 · unit number 2.341.557.234
ING Barvaux, Route de Marche 28, 6940 Durbuy since 01-07-2023 · unit number 2.341.559.313
ING Marche, Marche, Place aux Foires 12, 6900 Marche-en-Famenne since 01-07-2023 · unit number 2.341.561.687
Activities
NACEBEL 2025VAT activities
66191
Agents and brokers in banking services main activity
66220
Insurance agents and brokers
70200
Business and other management consultancy
Social security (RSZ) activities
66199
Other activities auxiliary to financial services, excluding insurance and pension funding main activity
Codes under NACEBEL 2008
VAT activities
66191
Agents and brokers in banking services main activity
66220
Activities auxiliary to financial services and insurance activities
70220
Business consulting
Social security (RSZ) activities
66199
Activities auxiliary to financial services and insurance activities main activity
Invoicing and payment
VAT number
BE 0798.387.796
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
“1. Premier exercice social et première assemblée générale ordinaire Le premier exercice social débutera le jour du dépôt au greffe d’une…”
deed of 15-02-2023 (in French)Sites & property
Location
Buildings and parcels at the addresses
Ground area
1.7 ha
Building footprint
2,248 m²
Building volume
10,719 m³
Tallest building: 9.8 m.
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 91034B0155/00W000 | Wallonia | 1.5 ha | 1 · 1,704 m² | 9.8 m · 2 |
| 83004B1539/00Y004 | Wallonia | 960 m² | 1 · 241 m² | - |
| 91030A0358/00N005 | Wallonia | 548 m² | 1 · 146 m² | - |
| 83034A0552/00M000 | Wallonia | 228 m² | 1 · 157 m² | - |
1 of these parcels carries protected heritage. Expect extra rules on renovation or sale.