BEN & ART Construct
ActiveThe computed 12-month bankruptcy probability of BEN & ART Construct is 1.6% (moderate). The 2025 annual accounts show equity of €286k and a net result of €7k. Equity is growing by ~5.5% per year across the filed fiscal years. Its solvency ranks better than 49% of 7673 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
76
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability13▼-3
Solvency83▼-14
Growth52=
Stability100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 1.79 against 2.5 in 2024), but 56.7% 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+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
43.3%
Return on assets
1.1%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 9 filingsDeviation from the deadline
2025
31 d late
2024
6 d early
2023
30 d late
2022
29 d late
2021
25 d late
2020
18 d late
2019
28 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€7k▼ 17.4%
2024 · €9k
2018: €118k
2019: €73k
2020: €30k
2021: €-3k
2022: €10k
2023: €10k
2024: €9k
2018 → 2025
Working capital
€215k▼ 3.3%
2024 · €223k
2018: €98k
2019: €233k
2020: €220k
2021: €218k
2022: €209k
2023: €211k
2024: €223k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€258k-€287k▲ 11.4%€288k▲ 0.3%€288k=€286k▼ 0.6%
Operating result€-5k-€5k€11k▲ 121%€12k▲ 14.4%€9k▼ 23.3%
Net result€-3k-€10k€10k▼ 2.6%€9k▼ 10.0%€7k▼ 17.4%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 23% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €662k
Fixed assets
€173k▲ 25.2%
Current assets
€489k▲ 31.9%
Equity and liabilities €662k
Equity
€286k▼ 0.6%
Debt
€375k▲ 70.2%
The debt ratio rises from 43.4% to 56.7%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€69k▼
2024 · €78k
Cash flow
€67k▼
2024 · €75k
Solvency
43.3%▼
2024 · 56.6%
Current ratio
1.79▼
2024 · 2.50
Quick ratio
1.60▲
2024 · 1.56
Debt / equity
1.31▲
2024 · 0.77
ROE
2.6%▼
2024 · 3.1%
ROA
1.1%▼
2024 · 1.8%
Interest coverage
10.75▼
2024 · 12.80
Debt
€375k▲
2024 · €221k
Debt ≤ 1 year
€274k▲
2024 · €148k
Debt > 1 year
€100k▲
2024 · €71k
Income taxes
€5k▼
2024 · €7k
Staff costs
€324k▲
2024 · €313k
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€509k€662k▲
Fixed assets21/28€138k€173k▲
Tangible fixed assets22/27€138k€172k▲
Plant, machinery and equipment23€45k€81k▲
Furniture and vehicles24€93k€92k▼
Financial fixed assets28€285€285=
Current assets29/58€371k€489k▲
Stocks and contracts in progress3€140k€52k▼
Contracts in progress37€140k€52k▼
Amounts receivable within one year40/41€63k€278k▲
Trade receivables40€34k€199k▲
Other amounts receivable41€29k€80k▲
Cash at bank and in hand54/58€148k€139k▼
Deferred charges and accrued income490/1€20k€20k▲
Equity and liabilities
Total equity and liabilities10/49€509k€662k▲
Equity10/15€288k€286k▼
Contributions10/11€10k€10k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€249k€256k▲
Investment grants15€27k€18k▼
Amounts payable17/49€221k€375k▲
Amounts payable after more than one year17€71k€100k▲
Financial debts170/4€71k€100k▲
Amounts payable within one year42/48€148k€274k▲
Current portion of amounts payable after more than one year42€50k€63k▲
Trade debts44€48k€175k▲
Suppliers440/4€48k€175k▲
Taxes, remuneration and social security45€35k€21k▼
Taxes450/3€26k€1k▼
Remuneration and social security454/9€9k€20k▲
Other amounts payable47/48€15k€14k▼
Accrued charges and deferred income492/3€1k€1k=
Income statement
Code20242025
Non-recurring operating income76A€10k€11k▲
Remuneration, social security and pensions62€313k€324k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€66k€60k▼
Other operating charges640/8€19k€946▼
Gross operating margin9900€410k€394k▼
Operating profit (loss)9901€12k€9k▼
Financial income75/76B€10k€9k▼
Recurring financial income75€9k€9k▲
Non-recurring financial income76B€943-
Financial charges65/66B€6k€6k▲
Recurring financial charges65€6k€6k▲
Profit (loss) for the period before taxes9903€16k€12k▼
Income taxes67/77€7k€5k▼
Profit (loss) for the period9904€9k€7k▼
Profit (loss) for the period to be appropriated9905€9k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€249k€256k▲
Profit (loss) brought forward from the previous period14P€240k€249k▲
Social balance
Average headcount (FTE)90877.27.3▲
The notes to these accounts (13 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
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 29 days late
2022
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 25 days late
2021
31-12
Financial
Weakest financial yearnet €-3k ▼109%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Equity above €200kEq €204k ▲55.3%
2 profitable years in a row build equity to €204k.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
01-09-2025
Emile De Dryver: Resigned as Director
27-01-2021
Bertrand WALRAVENS: Resigned as Director
03-09-2019
Bertrand WALRAVENS: Resigned as Managing director
03-09-2019
Benjamin KEIZER: Resigned as Managing director
Location & real-estate footprint
Registered office, Vorst · 1 establishment unit since 2019
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.
Lusambostraat 34b1190 VorstGround area
1,400 m²
Building footprint
1,079 m²
Volume, LiDAR
6,271 m³
Parcel 21384D0086/00W004, Brussels · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ben & Art Construct
since 20192.296.369.090
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21384D0086/00W004 | Brussels | 1,400 m² | 1 · 1,079 m² | 7.5 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.
Structure & network
Connections & network
1 connected companyNetwork connections
Shared address
→
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Of 19,950 companies in sector 43320 we hold annual accounts for 9,081. 6,920 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-11-2016
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.