Checked.be
Active
BE 0848.031.210Private limited company
Ben Everaert
Dorpsstraat(STL) 179 ·9980 Sint-Laureins, Belgium· 14 yrs active
Sector: Joinery installation
(43320)
Conclusion
Ben Everaert has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €61k and a net result of €2k. Equity is growing by ~11.5% per year across the filed fiscal years. Its solvency ranks better than 38% of 26784 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Based on the State Gazette, CBE and 6 annual accounts.
Key figures
| Equity | €61k |
| Net result | €2k |
| Better than sector | 38% |
| Active | 14 yrs |
Financial profile
55
/ 100
Mixed profile: strong on stability, weaker on profitability.
All 5 axes are computed from data Checked has read.
Health
51
Profitability
18
Solvency
54
Growth
52
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Established
Founded in 2012, 14 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
51
/ 100
Fair
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€3k
estimate, not credit advice
Score history
53
2020
50
2021
50
2022
84
2023
69
2024
51
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 0.85 (< 1.0)
-10
Leverage
Debt/equity 1.73 (< 2.0)
+3
Profitability
ROE 4%
+3
Interest coverage
Interest coverage 13.7× (≥ 3×)
+8
Profit trend
Net profit down YoY
-3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 08-07-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~11.5%/year over 6 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 43, Specialised construction activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 36.6% | 47.4% | |
| Net result | €2k | €10k | |
| Equity | €61k | €60k | |
| Gross operating margin | €28k | €39k | |
| Total assets | €167k | €141k |
€27k
-44.2%
20-25
€2k
-90.6%
20-25
€24k
-37.5%
20-25
€167k
-8.9%
20-25
€61k
-15.3%
20-25
€-7k
-1190.5%
20-25
€990
-87.5%
20-25
€13k
+87.7%
20-25
€106k
-4.7%
20-25
€48k
+21.9%
20-25
€59k
-19.0%
20-25
0.85
-14.0%
20-25
0.71
-13.9%
20-25
36.6%
-7.1%
20-25
1.73
+12.6%
20-25
3.6%
-88.9%
20-25
1.3%
-89.7%
20-25
13.66
-48.0%
20-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - | - |
| EBITDA | €27k | €48k | €34k | €27k | €28k |
| Net profit | €2k | €24k | €16k | €4k | €7k |
| Cash flow | €24k | €38k | €26k | €22k | €23k |
| Staff costs | - | - | - | - | - |
| Income taxes | €990 | €8k | €6k | €1k | €2k |
| Dividends | €13k | - | €7k | €4k | €13k |
| Total assets | €167k | €184k | €144k | €148k | €148k |
| Equity | €61k | €72k | €49k | €40k | €40k |
| Debt | €106k | €111k | €95k | €109k | €108k |
| of which ≤ 1y | €48k | €39k | €42k | €49k | €41k |
| of which > 1y | €59k | €72k | €53k | €60k | €68k |
| Working capital | €-7k | €-560 | €880 | €-8k | €-13k |
| Employees (FTE) | - | - | - | - | - |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 0.85 | 0.99 | 1.02 | 0.84 | 0.69 |
| Quick ratio | 0.71 | 0.83 | 0.81 | 0.59 | 0.43 |
| Working capital ratio | -4.3% | -0.3% | 0.6% | -5.3% | -8.7% |
| Solvency | 36.6% | 39.4% | 33.9% | 26.6% | 26.8% |
| Debt / equity | 1.73 | 1.54 | 1.95 | 2.76 | 2.73 |
| Long-term debt ratio | 0.96 | 1.00 | 1.09 | 1.52 | 1.71 |
| Interest coverage | 13.66 | 26.28 | 28.04 | 6.58 | 11.81 |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | 1.3% | 12.8% | 11.4% | 2.9% | 4.6% |
| ROE | 3.6% | 32.5% | 33.7% | 10.8% | 17.1% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €167k | €184k | €144k | €148k | €148k |
| Fixed assets | 21/28 | €127k | €145k | €101k | €107k | €120k |
| Tangible fixed assets | 22/27 | €127k | €145k | €101k | €107k | €120k |
| Financial fixed assets | 28 | €250 | €250 | €250 | €250 | €250 |
| Current assets | 29/58 | €40k | €38k | €43k | €41k | €28k |
| Stocks & contracts in progress | 3 | €6k | €6k | €9k | €12k | €10k |
| Amounts receivable within one year | 40/41 | €3k | €1k | €460 | €2k | €3k |
| Cash & bank | 54/58 | €28k | €29k | €32k | €26k | €12k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €167k | €184k | €144k | €148k | €148k |
| Equity | 10/15 | €61k | €72k | €49k | €40k | €40k |
| Contributions / capital | 10/11 | €6k | €6k | €6k | €6k | €6k |
| Reserves | 13 | €55k | €66k | €43k | €33k | €33k |
| Amounts payable | 17/49 | €106k | €111k | €95k | €109k | €108k |
| Amounts payable after one year | 17 | €59k | €72k | €53k | €60k | €68k |
| Amounts payable within one year | 42/48 | €48k | €39k | €42k | €49k | €41k |
| Trade debts payable within one year | 44 | €2k | €6k | €5k | €10k | €2k |
| Income statement | ||||||
| Gross operating margin | 9900 | €28k | €49k | €35k | €28k | €29k |
| Operating result | 9901 | €5k | €33k | €24k | €10k | €11k |
| Financial income | 75 | €252 | €310 | €147 | €346 | €115 |
| Financial charges | 65 | €2k | €2k | €1k | €4k | €2k |
| Result before taxes | 9903 | €3k | €31k | €23k | €6k | €9k |
| Income taxes | 67/77 | €990 | €8k | €6k | €1k | €2k |
| Net result for the period | 9904 | €2k | €24k | €16k | €4k | €7k |
| Result to be appropriated | 9905 | €2k | €24k | €16k | €4k | €7k |
Legal Structure
| NACE primary | Joinery installation(43320) |
| Legal form | Private limited company(610) |
| Incorporation | 13-08-2012 |
| Status | Active |
| Postal code | 9980 |
Establishment units
BEN EVERAERT
since 20122.212.175.169
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43014A1220/00A000 | Flanders | 839 m² | 1 · 117 m² | 8.7 m · 2 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €2k ▼90.6%
Net result drops to €2k, the lowest in the series.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Highest result since 2020net €24k ▲43.3%
Operating result €33k, net result €24k, both a record.
30-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
2020
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 70 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Joinery installation43320Manufacture of furniture31002Insulation installation43230Specialised construction activities43291Laying of wooden floor and wall coverings43332Roofing work43410
Names & trade names
| Legal nameNL | Ben Everaert |
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