Ben Desmet
ActiveBen Desmet has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €224k and a net result of €134k. Equity is growing by ~101.1% per year across the filed fiscal years. Its solvency ranks better than 78% of 7694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+5
Growth78=
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 4.41 against 3.0 in 2024; short-term debt: 17.2% and cash: 13.5% of total assets), and 20.8% 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
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
79.2%
Return on assets
47.6%
Age of the figures
15 mo
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 25-11-2025, 67 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
67 d early
2024
45 d early
2023
15 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 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€224k▲ 151%
2024 · €89k
2023: €43k
2024: €89k
2023 → 2025
Total assets
€282k▲ 121%
2024 · €128k
2023: €61k
2024: €128k
2023 → 2025
Net result
€134k▲ 192%
2024 · €46k
2023: €28k
2024: €46k
2023 → 2025
Working capital
€166k▲ 293%
2024 · €42k
2023: €40k
2024: €42k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€43k-€89k▲ 107%€224k▲ 151%
Operating result€37k-€60k▲ 62.7%€178k▲ 197%
Net result€28k-€46k▲ 63.5%€134k▲ 192%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 197% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €282k
Fixed assets
€68k▲ 5.0%
Current assets
€214k▲ 239%
Equity and liabilities €282k
Equity
€224k▲ 151%
Debt
€59k▲ 51.6%
The debt ratio falls from 30.3% to 20.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€187k▲
2024 · €65k
Cash flow
€143k▲
2024 · €51k
Solvency
79.2%▲
2024 · 69.7%
Current ratio
4.41▲
2024 · 3.00
Quick ratio
4.41▲
2024 · 3.00
Debt / equity
0.26▼
2024 · 0.43
ROE
60.1%▲
2024 · 51.6%
ROA
47.6%▲
2024 · 36.0%
Interest coverage
72.37▲
2024 · 29.74
Debt
€59k▲
2024 · €39k
Debt ≤ 1 year
€49k▲
2024 · €21k
Debt > 1 year
€10k▼
2024 · €18k
Income taxes
€41k▲
2024 · €12k
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€128k€282k▲
Fixed assets21/28€65k€68k▲
Tangible fixed assets22/27€65k€68k▲
Plant, machinery and equipment23-€5k
Furniture and vehicles24€4k€10k▲
Other tangible fixed assets26€61k€53k▼
Current assets29/58€63k€214k▲
Amounts receivable after more than one year29-€10k
Other amounts receivable291-€10k
Amounts receivable within one year40/41€586€32▼
Trade receivables40€580€17▼
Other amounts receivable41€6€15▲
Current investments50/53€3k€162k▲
Cash at bank and in hand54/58€55k€38k▼
Deferred charges and accrued income490/1€5k€5k▲
Equity and liabilities
Total equity and liabilities10/49€128k€282k▲
Equity10/15€89k€224k▲
Contributions10/11€15k€15k=
Reserves13€74k€209k▲
Distributable reserves133€74k€209k▲
Amounts payable17/49€39k€59k▲
Amounts payable after more than one year17€18k€10k▼
Financial debts170/4€18k€10k▼
Amounts payable within one year42/48€21k€49k▲
Current portion of amounts payable after more than one year42€7k€8k▲
Financial debts43€756€1k▲
Credit institutions430/8€756€1k▲
Other loans439€0-
Trade debts44€5k€2k▼
Suppliers440/4€5k€2k▼
Taxes, remuneration and social security45€8k€37k▲
Taxes450/3€8k€35k▲
Remuneration and social security454/9-€3k
Other amounts payable47/48€536€473▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€9k▲
Other operating charges640/8€496€766▲
Gross operating margin9900€66k€188k▲
Operating profit (loss)9901€60k€178k▲
Financial income75/76B€0€173▲
Recurring financial income75€0€173▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€58k€176k▲
Income taxes67/77€12k€41k▲
Profit (loss) for the period9904€46k€134k▲
Profit (loss) for the period to be appropriated9905€46k€134k▲
Appropriation of the result
Profit (loss) to be appropriated9906€46k€134k▲
Transfer to equity691/2€46k€134k▲
To other reserves6921€46k€134k▲
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
25-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Highest result since 2023net €134k ▲192%
Operating result €178k, net result €134k, both a record.
30-06
Financial
Equity above €200kEq €224k ▲151%
3 profitable years in a row build equity to €224k.
2024
17-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
16-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Kapellen · 1 establishment unit since 2022
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.
Korte Spelierlaan 362950 KapellenGround area
1,650 m²
Building footprint
106 m²
Volume, LiDAR
636 m³
Parcel 11902H0163/00M000, Flanders · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ben Desmet
since 20222.334.153.461
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11902H0163/00M000 | Flanders | 1,649 m² | 1 · 106 m² | 6.9 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
BVBA MAKI
BE 0892.455.230
Kasterlee · Eq €224k
PANTARHEI
BE 0421.921.888
Antwerpen · Eq €223k
LICOR Advies
BE 0801.514.562
Rumst · Eq €223k
MOLITOR
BE 1001.310.115
Etterbeek · Eq €223k
HDW CONSULT
BE 0524.942.620
Herent · Eq €224k
Of 24,501 companies in sector 82990 we hold annual accounts for 9,398. 6,827 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-08-2022
Fiscal year end30-06
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.