BEN-GAFSI
ActiveThe computed 12-month bankruptcy probability of BEN-GAFSI is 2.0% (moderate). The annual accounts of BEN-GAFSI for fiscal year 2025 show a net loss of 70% of total assets and of 51% of the equity at the start of that year. The 2025 annual accounts show equity of €16k and a net result of €-16k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 78% of 4488 sector peers (fiscal year 2025). The company has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
50
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-43
Solvency93▼-5
Growth35▼-17
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.45 against 2.46 in 2024; short-term debt: 31.6% and cash: 9.1% of total assets), and 31.6% 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 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
68.4%
Return on assets
-70.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
25 d late
2024
7 d late
2023
30 d late
2022
31 d late
2021
29 d late
2020
8 d early
2019
28 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€59k▼ 10.9%
2023 · €67k
2023: €67k
2023 → 2024
EBIT margin
1.5%▼ 35.4pp
2023 · 36.9%
2023: 36.9%
2023 → 2024
Net result
€-16k
2024 · €892
2018: €-232
2019: €266
2020: €-490
2021: €2k
2022: €14k
2023: €23k
2024: €892
2018 → 2025
Working capital
€3k▼ 80.7%
2024 · €17k
2018: €-22k
2019: €-26k
2020: €-23k
2021: €-8k
2022: €-5k
2023: €16k
2024: €17k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€67k€59k▼ 10.9%
Equity€4k-€18k▲ 352%€31k▲ 68.0%€32k▲ 2.9%€16k▼ 50.6%
Operating result€2k-€15k▲ 666%€25k▲ 69.1%€912▼ 96.3%€-15k
Net result€2k-€14k▲ 832%€23k▲ 56.0%€892▼ 96.1%€-16k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €15k after €912 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €23k
Fixed assets
€13k▼ 17.2%
Current assets
€11k▼ 62.9%
Equity and liabilities €23k
Equity
€16k▼ 50.6%
Debt
€7k▼ 37.0%
The debt ratio rises from 26.6% to 31.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-13k
Cash flow
€-14k
Solvency
68.4%▼
2024 · 73.4%
Current ratio
1.45▼
2024 · 2.46
Quick ratio
1.45▼
2024 · 2.46
Debt / equity
0.46▲
2024 · 0.36
ROE
-102.6%▼
2024 · 2.8%
ROA
-70.2%▼
2024 · 2.1%
Interest coverage
-213.48
Debt
€7k▼
2024 · €12k
Debt ≤ 1 year
€7k▼
2024 · €12k
Income taxes
€905
Staff costs
€26k▼
2024 · €36k
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€43k€23k▼
Fixed assets21/28€15k€13k▼
Intangible fixed assets21€13k€13k=
Tangible fixed assets22/27€3k-
Furniture and vehicles24€3k-
Current assets29/58€28k€11k▼
Amounts receivable within one year40/41€24k€2k▼
Trade receivables40€24k-
Other amounts receivable41-€2k
Cash at bank and in hand54/58€55€2k▲
Deferred charges and accrued income490/1€5k€7k▲
Equity and liabilities
Total equity and liabilities10/49€43k€23k▼
Equity10/15€32k€16k▼
Contributions10/11€9k€9k=
Profit (loss) carried forward14€23k€7k▼
Amounts payable17/49€12k€7k▼
Amounts payable within one year42/48€12k€7k▼
Trade debts44-€2k
Suppliers440/4-€2k
Taxes, remuneration and social security45€7k€5k▼
Taxes450/3€4k€4k▲
Remuneration and social security454/9€3k€660▼
Other amounts payable47/48€5k-
Income statement
Code20242025
Turnover70€59k-
Goods, raw materials, services and sundry goods60/61€23k-
Remuneration, social security and pensions62€36k€26k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€3k
Other operating charges640/8€128€954▲
Gross operating margin9900€37k€15k▼
Operating profit (loss)9901€912€-15k▼
Financial income75/76B€60-
Recurring financial income75€60-
Financial charges65/66B€80€59▼
Recurring financial charges65€80€59▼
Profit (loss) for the period before taxes9903€892€-15k▼
Income taxes67/77-€905
Profit (loss) for the period9904€892€-16k▼
Profit (loss) for the period to be appropriated9905€892€-16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€23k€7k▼
Profit (loss) brought forward from the previous period14P€22k€23k▲
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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
30-07
State Gazette act
Resignations & appointmentsGeneral meeting · Director appointment2 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director appointment2 facts ▸
- General meeting, 20/07/2026
- Director appointment, CHAHBOUNIGHMARI SAKHRAONI Mohammed (administrateur actif)
2025
31-12
Financial
Weakest financial yearnet €-16k ▼1911%
Net result drops to €-16k, the lowest in the series.
07-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 7 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2018net €23k ▲56%
Operating result €25k, net result €23k, both a record.
31-12
Financial
Liquidity times 12current ratio 7.93
Current ratio from 0.69 to 7.93; short-term debt falls from €16k to €2k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Back to profitnet €266
Net result €266 after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 23 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 directors, no change since 2026
CHAHBOUNIGHMARI SAKHRAONI Mohammed
CurrentAdministrateur actif · since 20-07-2026
20-07-2026
CHAHBOUNIGHMARI SAKHRAONI Mohammed: Appointed as Administrateur actif
01-01-2023
CHOQI Mostafa: Resigned as Director
30-06-2021
BEN ABDALLAH MOHAMED: Resigned as Director
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 1994
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.
Leopold I-straat 2731020 BrusselGround area
271 m²
Building footprint
240 m²
Volume, LiDAR
3,889 m³
2 parcels, Brussels · tallest building 19.8 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Jetse Laan 272, 1090 Jette
since 19942.066.517.593
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21464E0001/00N023 | Brussels | 185 m² | 1 · 157 m² | 19.8 m · 6 fl. |
| 21816C0084/00S007 | Brussels | 86 m² | 1 · 84 m² | 19.2 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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BE 1001.169.959
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N.F. COMPANY
BE 1020.765.345
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M.B.
BE 0447.203.751
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For Your Excellent Services
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Of 6,681 companies in sector 49330 we hold annual accounts for 2,284. 1,972 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded28-01-1994
Fiscal year end31-12
Activities, NACEBEL
49320Taxi operation
49330On-demand passenger transport by chauffeured vehicle
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.