BEN CONSTRUCTION
ActiveBEN CONSTRUCTION has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €42k and a net result of €82k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 30% of 7391 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+95
Solvency49▲+49
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.25 against 0.77 in 2024; short-term debt: 75.5% and cash: 5.4% of total assets), and 75.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 41
Relative position
BE, all sectors
reference
Sector 41
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
24.5%
Return on assets
48.2%
Age of the figures
9 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 31-12-2025 was due by 31-07-2026 and was filed on 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
31 d early
2023
14 d late
2022
21 d early
2021
31 d late
2020
88 d late
2019
90 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€42k
2024 · €-40k
2018: €16k
2019: €21k
2020: €-24k
2021: €-6k
2022: €38k
2023: €-23k
2024: €-40k
2018 → 2025
Total assets
€171k▲ 27.5%
2024 · €134k
2018: €55k
2019: €97k
2020: €88k
2021: €54k
2022: €370k
2023: €118k
2024: €134k
2018 → 2025
Net result
€82k
2024 · €-17k
2018: €-3k
2019: €5k
2020: €-45k
2021: €18k
2022: €44k
2023: €-61k
2024: €-17k
2018 → 2025
Working capital
€33k
2024 · €-40k
2018: €11k
2019: €11k
2020: €-32k
2021: €-7k
2022: €63k
2023: €-23k
2024: €-40k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-6k-€38k€-23k€-40k▼ 73.5%€42k
Operating result€21k-€47k▲ 128%€-64k€1k€83k▲ 7,507%
Net result€18k-€44k▲ 147%€-61k€-17k▲ 71.9%€82k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 7,507% above 2024 and is the highest result in the available series.
Balance-sheet composition
Assets €171k
Fixed assets
€9k
Current assets
€162k
Equity and liabilities €171k
Equity
€42k
Debt
€129k
Debt finances 75.5% of the balance-sheet total.
Key figures and ratios
EBITDA
€84k
Cash flow
€83k
Solvency
24.5%▲
2024 · -30.2%
Current ratio
1.25▲
2024 · 0.77
Quick ratio
1.25▲
2024 · 0.77
Debt / equity
3.09▲
2024 · -4.31
ROE
196.8%
ROA
48.2%▲
2024 · -12.8%
Interest coverage
203.20
Debt
€129k▼
2024 · €174k
Debt ≤ 1 year
€129k▼
2024 · €174k
Income taxes
€3k▲
2024 · €17
Staff costs
€148k▲
2024 · €139k
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€134k€171k▲
Formation expenses20€0-
Fixed assets21/28€0€9k▲
Tangible fixed assets22/27€0€9k▲
Plant, machinery and equipment23€0-
Furniture and vehicles24-€9k
Leasing and similar rights25€0-
Current assets29/58€134k€162k▲
Amounts receivable within one year40/41€121k€153k▲
Trade receivables40€66k€77k▲
Other amounts receivable41€55k€75k▲
Cash at bank and in hand54/58€12k€9k▼
Deferred charges and accrued income490/1€550€0▼
Equity and liabilities
Total equity and liabilities10/49€134k€171k▲
Equity10/15€-40k€42k▲
Contributions10/11€19k€19k=
Reserves13€16k€16k=
Distributable reserves133€16k€16k=
Profit (loss) carried forward14€-75k€7k▲
Amounts payable17/49€174k€129k▼
Amounts payable within one year42/48€174k€129k▼
Trade debts44€171k€123k▼
Suppliers440/4€171k€123k▼
Taxes, remuneration and social security45€4k€6k▲
Taxes450/3€38€4k▲
Remuneration and social security454/9€4k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€139k€148k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€850
Other operating charges640/8€1k€4k▲
Gross operating margin9900€141k€235k▲
Operating profit (loss)9901€1k€83k▲
Financial income75/76B€1€3k▲
Recurring financial income75€1€3k▲
Financial charges65/66B€18k€411▼
Recurring financial charges65€18k€411▼
Profit (loss) for the period before taxes9903€-17k€85k▲
Income taxes67/77€17€3k▲
Profit (loss) for the period9904€-17k€82k▲
Profit (loss) for the period to be appropriated9905€-17k€82k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-75k€7k▲
Profit (loss) brought forward from the previous period14P€-58k€-75k▼
The notes to these accounts (5 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €82k
Net result €82k after 2 loss-making years.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2023
31-12
Financial
Weakest financial yearnet €-61k ▼238%
Net result drops to €-61k, the lowest in the series; recovery starts the following year.
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 88 days late
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Marchin · 1 establishment unit since 2014
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.
Rue Dufrenoy 124570 MarchinGround area
232 m²
Building footprint
81 m²
Volume, LiDAR
570 m³
Parcel 61039A0505/00F002, Wallonia · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ben Construction Sprl
since 20142.232.784.107
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61039A0505/00F002 | Wallonia | 232 m² | 1 · 81 m² | 8.6 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.
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Of 29,803 companies in sector 41001 we hold annual accounts for 16,040. 12,898 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-01-2014
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43992Specialised construction activities
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0494/14.66.69