BEN CONSTRUCT
ActiveSummary
BEN CONSTRUCT has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €217k and a net result of €53k. Equity is growing by ~24% per year across the filed fiscal years. Its solvency ranks better than 51% of 36375 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability83▼-10
Solvency73▲+6
Growth85=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days only on tighter terms
Liquidity tight (current ratio 1.4 against 1.25 in 2023; short-term debt: 38.3% and cash: 13.9% of total assets), and 52.2% of the assets are financed with debt.
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Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 03-11-2025, 95 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
95 d late
2023
12 d late
2022
31 d late
2021
2 d early
2020
9 d early
2019
49 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
€622k▲ 35.8%
2019 · €458k
EBIT margin
6.9%▲ 2.6pp
2019 · 4.3%
Net result
€53k▼ 36.1%
2023 · €84k
Working capital
€70k▲ 56.2%
2023 · €45k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Turnover€622k▲ 35.8%
Operating result€43k▲ 119%€29k▼ 32.3%€64k▲ 122%€111k▲ 71.7%€70k▼ 36.6%
Net result€35k▲ 147%€25k▼ 29.7%€51k▲ 108%€84k▲ 62.6%€53k▼ 36.1%
EBIT margin6.9%▲ 2.6pp
Equity€109k▲ 47.9%€109k▼ 0.2%€130k▲ 19.8%€184k▲ 41.3%€217k▲ 18.2%
Total assets€239k▲ 71.2%€208k▼ 12.8%€266k▲ 27.9%€434k▲ 62.9%€455k▲ 4.8%
Debt€130k▲ 97.2%€100k▼ 23.3%€136k▲ 36.7%€250k▲ 83.6%€238k▼ 5.1%
Working capital€80k▲ 22.2%€87k▲ 8.5%€93k▲ 7.0%€45k▼ 52.0%€70k▲ 56.2%
Staff (FTE)0.71
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 37% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €455k
Fixed assets
€211k ▲ 0.7%
Current assets
€244k ▲ 8.6%
Equity and liabilities €455k
Equity
€217k ▲ 18.2%
Debt
€238k ▼ 5.1%
Debt's share of the balance-sheet total falls from 57.7% to 52.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€89k▼
2023 · €126k
Cash flow
€72k▼
2023 · €99k
Current ratio
1.40▲
2023 · 1.25
Debt to equity
1.09▼
2023 · 1.36
ROE
24.6%▼
2023 · 45.5%
ROA
11.8%▼
2023 · 19.3%
Interest coverage
24.57▼
2023 · 49.91
Debt ≤ 1 year
€174k▼
2023 · €180k
Debt > 1 year
€63k▼
2023 · €70k
Income taxes
€13k▼
2023 · €26k
Staff costs
€21k▼
2023 · €26k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €622k | - | - | - | - | - |
| Remuneration, social security and pensions62 | - | - | €18k | €26k | €21k | ▼ 19.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6k | €9k | €10k | €16k | €19k | ▲ 19.9% |
| Other operating charges640/8 | - | €3k | €4k | €17k | €2k | ▼ 88.0% |
| Gross operating margin9900 | €51k | €41k | €96k | €169k | €112k | ▼ 33.8% |
| Operating profit (loss)9901 | €43k | €29k | €64k | €111k | €70k | ▼ 36.6% |
| Financial income75/76B | - | €4k | €3k | €2k | €1 | ▼ 99.9% |
| Recurring financial income75 | €6k | €4k | €3k | €2k | €1 | ▼ 99.9% |
| Financial charges65/66B | - | €612 | €789 | €3k | €4k | ▲ 43.0% |
| Recurring financial charges65 | €603 | €612 | €789 | €3k | €4k | ▲ 43.0% |
| Profit (loss) for the period before taxes9903 | €48k | €33k | €67k | €110k | €66k | ▼ 39.7% |
| Income taxes67/77 | €13k | €8k | €15k | €26k | €13k | ▼ 50.9% |
| Profit (loss) for the period9904 | €35k | €25k | €51k | €84k | €53k | ▼ 36.1% |
| Profit (loss) for the period to be appropriated9905 | €35k | €25k | €51k | €84k | €53k | ▼ 36.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €239k | €208k | €266k | €434k | €455k | ▲ 4.8% |
| Fixed assets21/28 | €29k | €22k | €37k | €209k | €211k | ▲ 0.7% |
| Intangible fixed assets21 | €3k | €2k | €2k | €1k | €512 | ▼ 52.1% |
| Tangible fixed assets22/27 | €26k | €19k | €35k | €207k | €209k | ▲ 0.8% |
| Land and buildings22 | - | - | - | €102k | €102k | = |
| Plant, machinery and equipment23 | - | €3k | €2k | €1k | €725 | ▼ 48.9% |
| Furniture and vehicles24 | - | €16k | €33k | €21k | €24k | ▲ 11.0% |
| Assets under construction and advance payments27 | - | - | - | €83k | €83k | = |
| Financial fixed assets28 | €75 | €837 | €837 | €837 | €1k | ▲ 43.4% |
| Current assets29/58 | €210k | €187k | €229k | €225k | €244k | ▲ 8.6% |
| Stocks and contracts in progress3 | - | €5k | - | - | - | - |
| Stocks30/36 | - | €5k | - | - | - | - |
| Amounts receivable within one year40/41 | €189k | €119k | €119k | €164k | €161k | ▼ 1.7% |
| Trade receivables40 | - | €64k | €44k | €76k | €77k | ▲ 2.1% |
| Other amounts receivable41 | - | €55k | €75k | €88k | €84k | ▼ 5.0% |
| Cash at bank and in hand54/58 | €20k | €37k | €87k | €42k | €63k | ▲ 51.0% |
| Deferred charges and accrued income490/1 | - | €26k | €23k | €19k | €20k | ▲ 4.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €239k | €208k | €266k | €434k | €455k | ▲ 4.8% |
| Equity10/15 | €109k | €109k | €130k | €184k | €217k | ▲ 18.2% |
| Contributions10/11 | - | €6k | €6k | €6k | €6k | = |
| Reserves13 | €2k | €2k | €2k | €2k | €22k | ▲ 1,075% |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | - | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | - | - | - | - | €20k | - |
| Profit (loss) carried forward14 | €101k | €101k | €122k | €176k | €189k | ▲ 7.7% |
| Amounts payable17/49 | €130k | €100k | €136k | €250k | €238k | ▼ 5.1% |
| Amounts payable after more than one year17 | - | - | - | €70k | €63k | ▼ 9.9% |
| Financial debts170/4 | - | - | - | €70k | €63k | ▼ 9.9% |
| Amounts payable within one year42/48 | €130k | €100k | €136k | €180k | €174k | ▼ 3.2% |
| Current portion of amounts payable after more than one year42 | - | - | - | €7k | €7k | ▲ 4.7% |
| Trade debts44 | €107k | €51k | €77k | €11k | €51k | ▲ 374% |
| Suppliers440/4 | - | €51k | €77k | €11k | €51k | ▲ 374% |
| Advances received on contracts in progress46 | - | - | - | €74k | €35k | ▼ 52.6% |
| Taxes, remuneration and social security45 | - | €24k | €29k | €59k | €62k | ▲ 4.4% |
| Taxes450/3 | - | €24k | €19k | €37k | €34k | ▼ 6.4% |
| Remuneration and social security454/9 | - | - | €10k | €22k | €27k | ▲ 22.5% |
| Other amounts payable47/48 | - | €25k | €30k | €30k | €20k | ▼ 33.3% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €35k | €25k | €51k | €84k | €53k | ▼ 36.1% |
| + Depreciation and write-downs630 | €6k | €9k | €10k | €16k | €19k | ▲ 19.9% |
| Operating cash flow (approximation) | €41k | €33k | €62k | €99k | €72k | ▼ 27.3% |
| Investment in fixed assets (approximation) | - | €-2k | €-26k | €-188k | €-20k | ▲ 89.2% |
| Change in cash | - | €17k | €50k | €-46k | €21k | ▲ 147% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
2025
03-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 95 days late
2024
31-12
Financial
Equity above €200kEq €217k ▲18.2%
7 profitable years in a row build equity to €217k.
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
2023
31-12
Financial
Highest result since 2018net €84k ▲62.6%
Operating result €111k, net result €84k, both a record.
31-12
Financial
Equity above €150kEq €184k ▲41.3%
6 profitable years in a row build equity to €184k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €109k ▲47.9%
3 profitable years in a row build equity to €109k.
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 49 days late
2019
03-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 34 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 57 days late
2017
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 61 days late
2016
30-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Grimbergen · 1 establishment unit since 2013
Ground area
850 m²
Building footprint
167 m²
Volume, LiDAR
976 m³
Parcel 23025C0022/00H000, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
BEN CONSTRUCT
since 20132.218.641.309
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23025C0022/00H000 | Flanders | 850 m² | 1 · 167 m² | 9.5 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 15,521 companies in sector 43990 we hold annual accounts for 7,414. 5,743 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded12-03-2013
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
43230Insulation installation
43910Bricklaying and masonry work
Scores and ratios are computed by Checked and are not a credit decision.