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BEN CONSTRUCT

Active Private limited company (pre-2019)founded 2013active for 13 yearsLintkasteelstraat 38, 1850 GrimbergenKBO/BCE: BE 0521.933.838

Overview

Lifetime

13 annual accounts with figures on one time axis
peak €169,478 (2023)
€81,612▼ 27.2%
lowest -€75 (2015)
€52,141▼ 2.5%
peak €249,461 (2025)
€249,461▲ 14.8%
€185,167▼ 22.1%
Board1 name since 2018
- 
Documentsfilings and deeds
16-10-202677 days late
2025micro format
Gross margin from €112,154 to €81,612Equity from €217,319 to €249,461Debts from €237,657 to €185,167Investments €40,700Cash from €63,160 to €31,722

Key points

from the 2025 annual accounts

Equity

€249,461 ▲ 14.8%

BEN CONSTRUCT has made a profit without a break since 2016.

Investments

€51,252 4.5 × depreciation
20212022202320242025

Green is investment, beige is depreciation.

Filings

13 annual accounts 77 days
AprilJune31 JulyOctober201520202025

Latest accounts filed late: after the legal deadline.

Checked score

68
Healthy
Financially stronger than 58% of micro companies in specialised construction (NACE 43)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.9% Low
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).

About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: 0.4% 01-2025: 0.4%● unchanged vs 12-2024lowest value 02-2025: 0.4%● unchanged vs 01-2025 03-2025: 0.4%● unchanged vs 02-2025 04-2025: 0.4%● unchanged vs 03-2025 05-2025: 0.4%● unchanged vs 04-2025 06-2025: 0.4%● unchanged vs 05-2025 07-2025: 0.5%▲ +0.1 percentage points vs 06-2025 08-2025: 0.7%▲ +0.2 percentage points vs 07-2025 09-2025: 0.9%▲ +0.2 percentage points vs 08-2025 10-2025: 1.4%▲ +0.5 percentage points vs 09-2025 11-2025: 1.4%● unchanged vs 10-2025highest value 12-2025: 0.8%▼ -0.6 percentage points vs 11-2025 01-2026: 0.8%● unchanged vs 12-2025 02-2026: 0.8%● unchanged vs 01-2026 03-2026: 0.8%● unchanged vs 02-2026 04-2026: 0.8%● unchanged vs 03-2026 05-2026: 0.7%▼ -0.1 percentage points vs 04-2026 06-2026: 0.7%● unchanged vs 05-2026 07-2026: 0.7%● unchanged vs 06-2026 08-2026: 1.1%▲ +0.4 percentage points vs 07-2026 09-2026: 1.3%▲ +0.2 percentage points vs 08-2026 10-2026: 0.9%▼ -0.4 percentage points vs 09-2026 11-2026: 0.9%● unchanged vs 10-2026

Financial strength
Strong

82+9equity 57.4% of total assets
48-2short-term debt 27.5% · cash 7.3%
84+1return on assets 12.0%

Score breakdown

raises risk
Last filed accounts filed 77 days late; 2 of the last 3 accounts late
Sector: Specialised construction activities (NACE 43)
Liquidity: current ratio 1.63, cash €31,722
lowers risk
Founded in 2013
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 43, micro). It does better than 63% of them on solvency, 40% on liquidity, 66% on profitability and 62% on growth.

The bankruptcy probability was computed on 09-11-2026 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 low class on 30-06-2025, 0.8% 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, 34,693 companies had the same profile as BEN CONSTRUCT has now. Each dot stands for 87 companies, two years later.

95.3%
were still trading
3.9%
stopped another way
0.7%
went bankrupt
  • Micro
  • 10 to 20 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more

That fits the bankruptcy probability of BEN CONSTRUCT itself: 0.9% within 12 months.

Test of the method

The method was tested on the 497,447 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.

The companies in ten equal groups, from the lowest to the highest expected share
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 34,693 companies, not a prediction for BEN CONSTRUCT. 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 €16,000 on 30-day terms is acceptable

Liquidity is ample, with a current ratio of 1.63 (1.4 in 2024), above the usual 1.5. Short-term debt is 27.5% and cash 7.3% of total assets. 42.6% of the assets are financed with debt and provisions.

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

Five signals.
lowers riskraises risk
raises risk · Last filed accounts filed 77 days late; 2 of the last 3 accounts late
NBB · filings
raises risk · Sector: Specialised construction activities (NACE 43)
KBO
lowers risk · Founded in 2013
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Liquidity: current ratio 1.63, cash €31,722
NBB · annual accounts
raises risk · 2025 accounts filed 77 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-10-2026, 77 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
77 days late
2024
95 days late
2023
12 days late
2022
31 days late
2021
2 days early
2020
9 days early
2019
49 days late
← 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 36 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% 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 31 August (4 of the last 5 accounts filed within 46 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Board and ownership

last known board
RP
Director, until 2018
Board & ownership

Recent changes

Registered in the Peppol Directory Reachable for e-invoices through 0208:0521933838
Resignation: Reut Petru (director) General meeting of 10-12-2021 · Gazette deed
First establishment Lintkasteelstraat 38, Grimbergen
Incorporation published on 14-03-2013 · Gazette deed
All 24 events

Comparable companies

same main activity, similar in size and age
Company
BEN CONSTRUCT Grimbergen €434,628 €81,612 57.4% -
C.R.S.S. CONSTRUCT Asse €415,060 €75,070 41.8% -
S.M.O.K. Namur €437,310 €80,951 63.8% -
CROITOR Berchem-Sainte-Agathe €434,569 €90,434 42.6% -
VAN & JOHN Brussels €430,056 €98,276 44.6% -
HLKD SERVICES Herstal €365,644 €74,701 10.3% -
C TO C HOME CONCEPT Beauvechain €453,093 €66,694 26.3% -

These companies have the same main activity as BEN CONSTRUCT: other specialised construction activities (NACE 43990). They are comparable in size and age: total assets between €366,000 and €453,000, founded between 2012 and 2014.

Official details

Source: KBO
Status
Active since 12-03-2013Normal situation
Activity
Other specialised construction activitiesNACE 43990and 2 others
Establishment unit
2.218.641.3091850 Grimbergen, since 04-04-2013
Financial year end
31 December
Peppol
Reachable since 15-12-2025
Company details

Annual accounts 2025

€81,612▼ 27.2%
≈ €410,000estimated
€52,141▼ 2.5%
€249,461▲ 14.8%
€434,628▼ 4.5%
Filing
Filed on 16-10-2026
Financials

Insights on BEN CONSTRUCT

BEN CONSTRUCT files the micro format. That format states no turnover. The gross margin rose from €11,533 in 2013 to €81,612 in 2025.

The balance sheet grew most from 2022 to 2024 through fixed assets.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

micro format, filed on 16-10-2026, 77 days late
€81,612
▼ 27.2%
€67,718
▼ 3.4%
€79,137
▼ 11.0%
€63,560
▼ 12.1%
57.4%
▲ 9.6 percentage points
1.63
▲ 0.23

Money flows

no detail for 2025

Balance sheet

balance sheet total €434,628 on 31-12-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

57.4%

Higher than 62% of 35,136 companies in 2025.

1.63

Higher than 44% of 34,510 companies in 2025.

12.0%

Higher than 63% of 34,711 companies in 2025.

BEN CONSTRUCT Middle half of the sector 80% of the sector Micro accounts in specialised construction (NACE 43)

Net result: top quarter · Equity: top quarter · Balance sheet total: top quarter · Working capital: middle half

Staff

Staff costs divided by the average number of full-time equivalents.

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend2025202420232022202120202019201820172016201520142013
Balance sheet: assets
20/58 434,628454,976434,142266,473208,373238,905139,534103,75077,020143,983100,10873,93438,565
21/28 240,063210,781209,33837,08021,67128,6947,9855,86511,81714,42920,6968,051756
21 -5121,0681,6252,1812,737-------
22/27 239,225209,068207,43234,61818,65325,8827,9105,79011,74214,35420,6217,976756
22 102,000102,000102,000----------
23 307251,4201,7333,1186,0957,2601,5872,9101,1061,302667-
24 3,14523,54421,21332,88515,53519,78765004246382,5057,309756
27 134,05182,79982,799----------
28 8371,20183783783775757575757575-
29/58 194,565244,195224,805229,393186,702210,211131,54997,88465,203129,55479,41265,88337,809
3 ----4,530---2,529----
30/36 ----4,530---2,529----
40/41 161,190161,001163,766119,003119,301188,64184,46886,41053,313117,99075,59551,73627,101
40 123,32677,18875,56944,16464,11984,70744,13175,28337,450115,52665,43750,01726,319
41 37,86483,81388,19774,83855,182103,93440,33611,12615,8632,46410,1581,719782
50/53 ------------10,708
54/58 31,72263,16041,83987,36637,00120,40945,75611,0948,3869,6641,57613,705-
490/1 1,65320,03419,20023,02425,8701,1611,3253819741,9002,241442-
Balance sheet: equity and liabilities
10/49 434,628454,976434,142266,473208,373238,905139,534103,75077,020143,983100,10873,93438,565
10/15 249,461217,319183,823130,110108,634108,85873,59759,33753,37246,31222,81322,88812,310
10/11 6,2006,2006,2006,2006,2006,2006,2006,2006,2006,2006,2006,2006,200
100 ------18,60018,60018,60018,60018,60018,60018,600
101 ------12,40012,40012,40012,40012,40012,40012,400
13 46,86021,8601,8601,8601,8601,8601,8601,8601,8601,8601,8601,8601,860
130/1 1,8601,8601,8601,8601,8601,860-------
130 ------1,8601,8601,8601,8601,8601,8601,860
1311 1,8601,8601,8601,8601,8601,860-------
133 45,00020,000-----------
14 196,401189,259175,763122,050100,574100,79865,53751,27745,31238,25214,75314,8284,250
17/49 185,167237,657250,319136,36399,739130,04765,93744,41323,64897,67177,29551,04626,255
17 55,97763,23470,172----3,0636,6149,77613,442--
170/4 55,97763,23470,172----3,0636,6149,77613,442--
42/48 119,710174,423180,147136,36399,739130,04765,93741,35017,03387,89563,11550,56125,621
42 7,2566,9386,625---2,8383,5513,1743,6663,666--
44 60,72150,96410,74177,49850,596106,56549,55125,5061,08075,04744,18634,57011,161
440/4 60,72150,96410,74177,49850,596106,56549,55125,5061,08075,04744,18634,57011,161
46 -35,00073,850-------3,180-6,198
45 31,73361,52058,93128,86424,14323,48213,54712,29212,7799,18212,08315,9918,262
450/3 28,14134,47436,84418,51924,14323,48213,5479,19212,7799,1825,3808,4823,160
454/9 3,59227,04622,08710,345---3,100--6,7037,5095,102
47/48 20,00020,00030,00030,00025,000--------
492/3 9,480---------738485634
Income statement
70 -----622,437458,307--156,541170,491355,837101,970
9900 81,612112,154169,47895,97340,66250,94734,17227,05419,05542,55410,82521,28311,533
60/61 -----571,490424,135--113,987159,666334,55490,437
62 -21,22926,45517,682---------
630 11,41918,81315,69610,2308,6765,8417,5655,9576,9297,84610,4454,266252
640/8 2,4751,99716,6703,6023,0062,3167,0709,9969625502027371,349
9901 67,71870,115110,65664,45928,98042,78919,53811,10111,16434,15817816,2809,932
75/76B 2,71312,0633,3064,3916,2601,8339224779154--
75 1,62112,0633,3064,3916,2601,8339224779154--
76B 1,092------------
65/66B 3,1493,6202,5327896126038123101,1381,011349380663
65 3,1493,6202,5327896126038123101,1381,011349380663
9903 67,28266,496110,18766,97632,75948,44520,55911,71310,50333,156-1715,9009,269
67/77 15,14113,00026,47415,5007,98313,1846,2985,7493,4439,657585,3223,159
9904 52,14153,49683,71351,47624,77635,26114,2615,9647,06023,499-7510,5786,110
9905 52,14153,49683,71351,47624,77635,26114,2615,9647,06023,499-7510,5786,110
Appropriation of the result
9906 241,401229,259205,763152,050125,574100,79865,53751,27745,31238,25214,75314,8286,110
14P 189,259175,763122,050100,574100,798--------
691/2 25,00020,000----------1,860
6920 ------------1,860
6921 25,00020,000-----------
694/7 20,00020,00030,00030,00025,000--------
694 --30,00030,00025,000--------
695 20,00020,000-----------
Social balance sheet
9087 -1-0.7---------
Hours worked1013 -1,415-936---------
Document PDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDF

The notes to these accounts have 13 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 16-10-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank

2025 annual accounts filed 77 days after the deadline. Filed on 16 October 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00561115.

Financial year Type Filed Reference Document
31-12-2025 micro format 16-10-2026 2026-00561115 PDF
31-12-2024 micro format 03-11-2025 2025-00563011 PDF
31-12-2023 micro format 12-08-2024 2024-00339931 PDF
31-12-2022 micro format 31-08-2023 2023-00391572 PDF
31-12-2021 micro format 29-07-2022 2022-20245617 PDF
31-12-2020 micro format 22-07-2021 2021-38800400 PDF
31-12-2019 micro format 18-09-2020 2020-54000207 PDF
31-12-2018 micro format 03-09-2019 2019-62700186 PDF
31-12-2017 micro format 26-09-2018 2018-65700285 PDF
31-12-2016 full format 30-09-2017 2017-65900483 PDF
31-12-2015 full format 30-09-2016 2016-63800279 PDF
31-12-2014 full format 09-03-2016 2016-06200162 PDF
31-12-2013 full format 10-04-2014 2014-09000173 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend2025202420232022202120202019201820172016201520142013
79,13788,928126,35274,68837,65648,63027,10217,05918,09442,00410,62320,54610,184
63,56072,30999,40961,70633,45241,10221,82511,92213,98931,34510,37014,8446,362
51,25220,257187,95425,6391,65326,5519,6844314,3171,57923,09011,5611,008
-31,43921,322-45,52750,36516,592-25,34734,6622,707-1,2788,088-12,129--
74,85569,77244,65793,03086,96380,16465,61256,53548,17041,65916,29715,32212,188
-----6.9%4.3%--21.8%0.1%4.6%9.7%
57.4%47.8%42.3%48.8%52.1%45.6%52.7%57.2%69.3%32.2%22.8%31.0%31.9%
1.631.401.251.681.871.622.002.373.831.471.261.301.48
1.631.401.251.681.831.622.002.373.681.471.261.301.48
0.741.091.361.050.921.190.900.750.442.113.392.232.13
20.9%24.6%45.5%39.6%22.8%32.4%19.4%10.1%13.2%50.7%-0.3%46.2%49.6%
12.0%11.8%19.3%19.3%11.9%14.8%10.2%5.7%9.2%16.3%-0.1%14.3%15.8%
25.1324.5749.9194.6161.56--------
-----50 days35 days--269 days140 days51 days94 days
-----68 days43 days--240 days101 days38 days45 days

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Social balance sheet

Item31-12-202431-12-2022
Employees at the balance-sheet date11
full-time1-
part-time-1
in full-time equivalents10.8
10.5
On a permanent contract11
Joined-1

Source: social balance sheet in the 2022 to 2024 annual accounts

Investments

fixed assets acquired
Item20252024202320222021
Tangible fixed assets€51,252€19,893€187,954€25,639€891
Financial fixed assets-€363--€762
€11,419€18,813€15,696€10,230€8,676

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on BEN CONSTRUCT

The operating result for 2025 is 3% lower than in 2024 and the lowest since 2022. It is the second fall in a row.

Debt's share of the balance-sheet total falls from 52.2% to 42.6%. Equity is higher and debt is lower.

Board & ownership

Mandates through the years

1 name
Reut Petru
Director
Earliermandate already running before its first mention
Mandates as a list
  • Reut Petru
    • Director, until 10-01-2018

See the board, name and registered office on a given date →

Control

Capital

Contribution
€6,200
Source
2025 annual accounts

Office holders in the KBO →

Network & group

No group

BEN CONSTRUCT has no parent and no holdings in its annual accounts.

At the same address

Lintkasteelstraat 38, 1850 Grimbergen · 1 other company
REUT & FILS
registered office since 13-08-2020 · founded in 2020
total assets €298,561 (2025)
0752.565.590

Timeline

Timeline

24 events since 2013

Deadline for the 2026 accounts: 31-07-2027

2026
Annual accounts 2025 filed NBBmicro format · 77 days late
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:0521933838
Annual accounts 2024 filed PDFmicro format · 95 days late
2024
Equity above €200,000 equity €217,319 ▲18.2% After 9 profitable years in a row, equity reaches €217,319.
Annual accounts 2023 filed PDFmicro format · 12 days late
2023
Highest result from 2013 to 2025 net €83,713 ▲62.6% The operating result of €110,656 and the net result of €83,713 are both a record.
Equity above €150,000 equity €183,823 ▲41.3% After 8 profitable years in a row, equity reaches €183,823.
Annual accounts 2022 filed PDFmicro format · 31 days late
2022
Annual accounts 2021 filed PDFmicro format · 2 days before the deadline
Resignation: Reut Petru (director)General meeting of 10-12-20212 points ▸
  • General meeting, 10-12-2021
  • Director resignation, Reut Petru

Open the deed in the Belgian Official Gazette

2021
Annual accounts 2020 filed PDFmicro format · 9 days before the deadline
2020
Equity above €100,000 equity €108,858 ▲47.9% After 5 profitable years in a row, equity reaches €108,858.
Annual accounts 2019 filed PDFmicro format · 49 days late
2019
Annual accounts 2018 filed PDFmicro format · 34 days late
2018
Annual accounts 2017 filed PDFmicro format · 57 days late
2017
Liquidity more than doubled current ratio 3.83 The current ratio rises from 1.47 to 3.83. Short-term debt falls from €87,895 to €17,033.
Annual accounts 2016 filed PDFfull format · 61 days late
2016
Back to profit net €23,499 The net result is €23,499, after one loss-making year.
Annual accounts 2015 filed PDFfull format · 61 days late
Annual accounts 2014 filed PDFfull format · 222 days late
2015
Weakest financial year net -€75 The net result drops to -€75, the lowest from 2013 to 2025. It recovers the following year.
2014
Annual accounts 2013 filed PDFfull format · 112 days before the deadline
2013
First establishment Lintkasteelstraat 38, Grimbergen
Incorporation PDFpublished on 14-03-2013

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

On 12 March 2013, BEN CONSTRUCT was incorporated.1 Total assets went from €103,750 in 2018 to €434,628 in 2025 and headcount from 0.7 full-time equivalents in 2022 to 1 in 2024.2

  1. 1KBO register
  2. 2National Bank, annual accounts 2018, 2022, 2024 and 2025

Company details

Identity

Enterprise number
0521.933.838
VAT number
BE 0521.933.838
Peppol ID
0208:0521933838
Legal form
Private limited company (pre-2019)
Status
Active, normal situation
Founded
12-03-2013
Financial year
ends on 31 December
Peppol
Reachable since 15-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
BEN CONSTRUCT in Dutch
Entity type
Legal entity

Activities

NACEBEL 2025
Codes under NACEBEL 2008
43999 Specialised construction activities main activity
43291 Specialised construction activities
43994 Specialised construction activities

Registered office and establishments

1 establishment
Establishment Since Unit number
Lintkasteelstraat 38 registered office 1850 Grimbergen 4312001 Site preparation 04-04-2013 2.218.641.309

Buildings and parcels at the address

Ground area
850 m²
Buildings
167 m²
Volume, LiDAR
976 m³
Tallest building
9.5 m
Buildings to scale, each on its own parcel
167 m², 9.5 m 167 m², 9.5 m

Location

registered office establishment The establishment unit on the map
2 companies at this address See who is registered here

Parcels

Cadastral parcelArea Buildings Height / floors
23025C0022/00H000850 m² 1 · 167 m² 9.5 m · 2

Invoicing and payment

Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0521.933.838