Ben Amez
ActiveBen Amez has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €309k and a net result of €67k. Equity is growing by ~14.3% per year across the filed fiscal years. Its solvency ranks better than 71% of 12708 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▲+1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 6.81 against 8.15 in 2024; short-term debt: 6.5% and cash: 8.7% of total assets), and 25% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
75%
Return on assets
16.3%
Age of the figures
15 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-09-2025, 123 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
123 d early
2024
123 d early
2023
126 d early
2022
130 d early
2021
125 d early
2020
125 d early
2019
129 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€309k▼ 5.8%
2024 · €327k
2019: €190k
2020: €152k
2021: €173k
2022: €218k
2023: €291k
2024: €327k
2019 → 2025
Total assets
€411k▼ 6.2%
2024 · €439k
2019: €335k
2020: €309k
2021: €310k
2022: €296k
2023: €422k
2024: €439k
2019 → 2025
Net result
€67k▼ 0.2%
2024 · €67k
2019: €51k
2020: €54k
2021: €61k
2022: €46k
2023: €73k
2024: €67k
2019 → 2025
Working capital
€155k▼ 3.7%
2024 · €161k
2019: €-10k
2020: €-59k
2021: €-23k
2022: €39k
2023: €114k
2024: €161k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€173k-€218k▲ 26.4%€291k▲ 33.3%€327k▲ 12.5%€309k▼ 5.8%
Operating result€80k-€67k▼ 16.4%€103k▲ 54.5%€94k▼ 8.4%€97k▲ 3.1%
Net result€61k-€46k▼ 25.2%€73k▲ 59.5%€67k▼ 7.6%€67k▼ 0.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 3% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €411k
Fixed assets
€230k▼ 10.0%
Current assets
€182k▼ 1.0%
Equity and liabilities €411k
Equity
€309k▼ 5.8%
Debt
€103k▼ 7.5%
The debt ratio falls from 25.3% to 25.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€126k▲
2024 · €123k
Cash flow
€96k▲
2024 · €96k
Solvency
75.0%▲
2024 · 74.7%
Current ratio
6.81▼
2024 · 8.15
Quick ratio
6.81▼
2024 · 8.15
Debt / equity
0.33▼
2024 · 0.34
ROE
21.7%▲
2024 · 20.5%
ROA
16.3%▲
2024 · 15.3%
Interest coverage
20.03▼
2024 · 20.09
Debt
€103k▼
2024 · €111k
Debt ≤ 1 year
€27k▲
2024 · €23k
Debt > 1 year
€74k▼
2024 · €86k
Income taxes
€26k▲
2024 · €22k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€439k€411k▼
Fixed assets21/28€255k€230k▼
Tangible fixed assets22/27€255k€230k▼
Land and buildings22€216k€202k▼
Plant, machinery and equipment23€6k€5k▼
Furniture and vehicles24€34k€23k▼
Current assets29/58€183k€182k▼
Amounts receivable within one year40/41€128€164▲
Other amounts receivable41€128€164▲
Current investments50/53€140k€146k▲
Cash at bank and in hand54/58€43k€36k▼
Equity and liabilities
Total equity and liabilities10/49€439k€411k▼
Equity10/15€327k€309k▼
Contributions10/11€65k€65k=
Reserves13€262k€244k▼
Distributable reserves133€262k€244k▼
Amounts payable17/49€111k€103k▼
Amounts payable after more than one year17€86k€74k▼
Financial debts170/4€21k€9k▼
Other amounts payable178/9€65k€65k=
Amounts payable within one year42/48€23k€27k▲
Current portion of amounts payable after more than one year42€12k€12k▲
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€7k€12k▲
Taxes450/3€7k€12k▲
Other amounts payable47/48€366€287▼
Accrued charges and deferred income492/3€3k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€29k▲
Other operating charges640/8€3k€3k▼
Gross operating margin9900€126k€130k▲
Operating profit (loss)9901€94k€97k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€6k€6k▲
Recurring financial charges65€6k€6k▲
Profit (loss) for the period before taxes9903€89k€93k▲
Income taxes67/77€22k€26k▲
Profit (loss) for the period9904€67k€67k▼
Profit (loss) for the period to be appropriated9905€67k€67k▼
Appropriation of the result
Profit (loss) to be appropriated9906€67k€67k▼
Transfer from equity791/2€31k€86k▲
Transfer to equity691/2€67k€67k▼
To other reserves6921€67k€67k▼
Profit to be distributed694/7€31k€86k▲
Return on contributions (dividend)694€31k€86k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Highest result since 2019net €73k ▲59.5%
Operating result €103k, net result €73k, both a record.
2022
23-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Weakest financial yearnet €46k ▼25.2%
Net result drops to €46k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity times 6current ratio 4.34
Current ratio from 0.67 to 4.34; short-term debt falls from €70k to €12k.
30-06
Financial
Equity above €200kEq €218k ▲26.4%
4 profitable years in a row build equity to €218k.
2021
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
28-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
24-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
18-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
20-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Maldegem · 1 establishment unit since 2010
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Bloemestraat 429990 MaldegemGround area
1,983 m²
Building footprint
222 m²
Volume, LiDAR
1,399 m³
Parcel 43010B1502/00E000, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ben Amez
since 20102.193.172.770
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43010B1502/00E000 | Flanders | 1,983 m² | 1 · 222 m² | 9.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
CABINET BRONCKART
BE 0433.274.551
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BE 0880.193.242
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TEERLINCK-DAUWE
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Boekhoudkantoor Selis
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THE SPECIAL ONE
BE 0560.918.831
Ukkel · Eq €309k
Of 12,175 companies in sector 69201 we hold annual accounts for 7,638. 6,045 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-10-2010
Fiscal year end30-06
Activities, NACEBEL
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.