BEN-E
ActiveBEN-E has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €216k and a net result of €108k. Equity is growing by ~37.4% per year across the filed fiscal years. Its solvency ranks better than 73% of 31487 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity ample (current ratio 4.95 against 3.5 in 2024), and 22.6% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
77.4%
Return on assets
38.7%
Age of the figures
8 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 07-05-2026, 85 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
85 d early
2024
29 d late
2023
2 d early
2022
3 d early
2021
45 d early
2020
31 d late
2019
45 d early
← 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, micro schema
Equity
€216k▲ 55.1%
2024 · €139k
2018: €18k
2019: €31k
2020: €44k
2021: €46k
2022: €35k
2023: €25k
2024: €139k
2018 → 2025
Total assets
€279k▲ 46.0%
2024 · €191k
2018: €21k
2019: €48k
2020: €57k
2021: €63k
2022: €44k
2023: €58k
2024: €191k
2018 → 2025
Net result
€108k▼ 5.7%
2024 · €115k
2018: €4k
2019: €15k
2020: €14k
2021: €3k
2022: €-11k
2023: €-10k
2024: €115k
2018 → 2025
Working capital
€215k▲ 69.3%
2024 · €127k
2018: €18k
2019: €30k
2020: €44k
2021: €55k
2022: €31k
2023: €19k
2024: €127k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€46k-€35k▼ 24.4%€25k▼ 29.1%€139k▲ 461%€216k▲ 55.1%
Operating result€4k-€-11k€-10k▲ 9.9%€162k€158k▼ 2.2%
Net result€3k-€-11k€-10k▲ 9.7%€115k€108k▼ 5.7%
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 2025; 2025 is 2% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €279k
Fixed assets
€9k▼ 29.3%
Current assets
€270k▲ 51.5%
Equity and liabilities €279k
Equity
€216k▲ 55.1%
Debt
€63k▲ 21.6%
The debt ratio falls from 27.1% to 22.6%: equity grows faster than debt.
Key figures and ratios
EBITDA
€160k▼
2024 · €163k
Cash flow
€110k▼
2024 · €116k
Solvency
77.4%▲
2024 · 72.9%
Current ratio
4.95▲
2024 · 3.50
Quick ratio
4.90▲
2024 · 3.41
Debt / equity
0.29▼
2024 · 0.37
ROE
50.0%▼
2024 · 82.2%
ROA
38.7%▼
2024 · 59.9%
Interest coverage
577.65▲
2024 · 115.59
Debt
€63k▲
2024 · €52k
Debt ≤ 1 year
€55k▲
2024 · €51k
Income taxes
€53k▲
2024 · €46k
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€191k€279k▲
Fixed assets21/28€13k€9k▼
Tangible fixed assets22/27€9k€9k▼
Land and buildings22€738€522▼
Furniture and vehicles24€4k€4k▲
Other tangible fixed assets26€4k€4k=
Financial fixed assets28€4k-
Current assets29/58€178k€270k▲
Stocks and contracts in progress3€4k€3k▼
Stocks30/36€4k€3k▼
Amounts receivable within one year40/41€94k€77k▼
Trade receivables40€89k€37k▼
Other amounts receivable41€5k€40k▲
Cash at bank and in hand54/58€78k€141k▲
Deferred charges and accrued income490/1€1k€49k▲
Equity and liabilities
Total equity and liabilities10/49€191k€279k▲
Equity10/15€139k€216k▲
Contributions10/11€12k€12k=
Reserves13€127k€204k▲
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Distributable reserves133€126k€202k▲
Amounts payable17/49€52k€63k▲
Amounts payable within one year42/48€51k€55k▲
Current portion of amounts payable after more than one year42€13k-
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€24k€23k▼
Taxes450/3€24k€23k▼
Other amounts payable47/48€13k€30k▲
Accrued charges and deferred income492/3€891€9k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€545-
Other operating charges640/8€697€641▼
Non-recurring operating charges66A-€2k
Gross operating margin9900€164k€163k▼
Operating profit (loss)9901€162k€158k▼
Financial income75/76B-€3k
Recurring financial income75-€3k
Financial charges65/66B€1k€277▼
Recurring financial charges65€1k€277▼
Profit (loss) for the period before taxes9903€161k€161k▲
Income taxes67/77€46k€53k▲
Profit (loss) for the period9904€115k€108k▼
Profit (loss) for the period to be appropriated9905€115k€108k▼
Appropriation of the result
Profit (loss) to be appropriated9906€93k€108k▲
Profit (loss) brought forward from the previous period14P€-22k-
Transfer from equity791/2-€31k
Transfer to equity691/2€93k€108k▲
To other reserves6921€93k€108k▲
Profit to be distributed694/7-€31k
Return on contributions (dividend)694-€31k
The notes to these accounts (8 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
07-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €200kEq €216k ▲55.1%
2 profitable years in a row build equity to €216k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €115k
Net result €115k after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 3.50
Current ratio from 1.57 to 3.50.
31-12
Financial
Equity above €100kEq €139k ▲461%
Equity rises from €25k to €139k.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-11k ▼490%
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
16-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
17-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Brugge · 1 establishment unit since 2010
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.
Sint-Pietersgroenestraat 1578000 BruggeGround area
438 m²
Building footprint
128 m²
Volume, LiDAR
791 m³
Parcel 31808K0646/00H002, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BEN-E - MATCHING ELEMENTS
since 20102.184.614.697
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31808K0646/00H002 | Flanders | 438 m² | 1 · 128 m² | 10.1 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
POTIPOTAM
BE 0478.748.349
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ID IMPULSE
BE 0663.792.081
Saint-Ghislain · Eq €216k
Defranci
BE 0742.593.594
Avelgem · Eq €216k
LS INVEST
BE 0478.549.005
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INITIO MANAGEMENT CONSULTING
BE 0838.913.012
Schaarbeek · Eq €216k
Of 82,201 companies in sector 70200 we hold annual accounts for 52,400. 39,414 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-02-2010
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
46190Agents in non-specialised wholesale trade
46332Wholesale trade
47279Other retail sale of food
47299Retail trade
70210Activities of head offices; management consultancy activities
73200Market research and public opinion polling
73300Public relations and communication consultancy
82300Organisation of conventions and trade shows
93199Other sports activities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.