BEN GOYENS
ActiveBEN GOYENS has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.50M and a net result of €1.03M. Equity is growing by ~14.8% per year across the filed fiscal years. Its solvency ranks better than 78% of 2154 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▲+15
Solvency92▲+22
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €270k at 30 days acceptable
Liquidity ample (current ratio 3.04 against 2.21 in 2024; short-term debt: 31.6% and cash: 13.7% of total assets), and 33% 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 · 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 · 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
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
67%
Return on assets
19.8%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
3 d early
2023
5 d early
2022
3 d early
2021
4 d early
2020
5 d early
2019
7 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close16-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.50M▲ 42.0%
2024 · €2.46M
2019: €1.29M
2020: €1.75M
2021: €2.07M
2022: €2.31M
2023: €2.30M
2024: €2.46M
2019 → 2025
Total assets
€5.22M▼ 3.9%
2024 · €5.43M
2019: €2.06M
2020: €2.65M
2021: €3.07M
2022: €3.80M
2023: €3.81M
2024: €5.43M
2019 → 2025
Net result
€1.03M▲ 126%
2024 · €457k
2019: €366k
2020: €454k
2021: €319k
2022: €243k
2023: €255k
2024: €457k
2019 → 2025
Working capital
€3.36M▲ 18.2%
2024 · €2.84M
2019: €1.16M
2020: €1.50M
2021: €2.04M
2022: €1.95M
2023: €2.20M
2024: €2.84M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.07M-€2.31M▲ 11.7%€2.30M▼ 0.6%€2.46M▲ 7.2%€3.50M▲ 42.0%
Operating result€464k-€339k▼ 26.8%€360k▲ 6.1%€714k▲ 98.2%€1.60M▲ 124%
Net result€319k-€243k▼ 24.0%€255k▲ 5.1%€457k▲ 79.3%€1.03M▲ 126%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 124% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.22M
Fixed assets
€208k▼ 11.9%
Current assets
€5.01M▼ 3.5%
Equity and liabilities €5.22M
Equity
€3.50M▲ 42.0%
Debt
€1.72M▼ 41.9%
The debt ratio falls from 54.7% to 33.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€1.63M▲
2024 · €778k
Cash flow
€1.06M▲
2024 · €522k
Solvency
67.0%▲
2024 · 45.3%
Current ratio
3.04▲
2024 · 2.21
Quick ratio
1.05▼
2024 · 1.17
Debt / equity
0.49▼
2024 · 1.21
ROE
29.6%▲
2024 · 18.6%
ROA
19.8%▲
2024 · 8.4%
Interest coverage
12.26▼
2024 · 16.03
Debt
€1.72M▼
2024 · €2.97M
Debt ≤ 1 year
€1.65M▼
2024 · €2.35M
Income taxes
€484k▲
2024 · €220k
Staff costs
€123k▲
2024 · €89k
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€5.43M€5.22M▼
Fixed assets21/28€237k€208k▼
Intangible fixed assets21-€3k
Tangible fixed assets22/27€54k€58k▲
Plant, machinery and equipment23€25k€24k▼
Furniture and vehicles24€28k€34k▲
Financial fixed assets28€183k€147k▼
Current assets29/58€5.19M€5.01M▼
Amounts receivable after more than one year29€160k€160k=
Other amounts receivable291€160k€160k=
Stocks and contracts in progress3€2.44M€3.28M▲
Stocks30/36€2.44M€3.28M▲
Amounts receivable within one year40/41€2.19M€855k▼
Trade receivables40€1.20M€55k▼
Other amounts receivable41€988k€800k▼
Cash at bank and in hand54/58€397k€713k▲
Deferred charges and accrued income490/1€8k€9k▲
Equity and liabilities
Total equity and liabilities10/49€5.43M€5.22M▼
Equity10/15€2.46M€3.50M▲
Contributions10/11€19k€19k=
Reserves13€2.44M€3.48M▲
Distributable reserves133€2.44M€3.48M▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€2.97M€1.72M▼
Amounts payable within one year42/48€2.35M€1.65M▼
Current portion of amounts payable after more than one year42€27k€27k=
Financial debts43€1k€501k▲
Credit institutions430/8€1k€501k▲
Trade debts44€1.50M€705k▼
Suppliers440/4€1.50M€705k▼
Taxes, remuneration and social security45€541k€299k▼
Taxes450/3€524k€279k▼
Remuneration and social security454/9€17k€20k▲
Other amounts payable47/48€284k€119k▼
Accrued charges and deferred income492/3€619k€75k▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€89k€123k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€64k€29k▼
Other operating charges640/8€7k€10k▲
Non-recurring operating charges66A-€5
Gross operating margin9900€874k€1.76M▲
Operating profit (loss)9901€714k€1.60M▲
Financial income75/76B€37k€55k▲
Recurring financial income75€37k€55k▲
Financial charges65/66B€74k€133k▲
Recurring financial charges65€49k€133k▲
Non-recurring financial charges66B€25k€0▼
Profit (loss) for the period before taxes9903€677k€1.52M▲
Income taxes67/77€220k€484k▲
Profit (loss) for the period9904€457k€1.03M▲
Profit (loss) for the period to be appropriated9905€457k€1.03M▲
Appropriation of the result
Profit (loss) to be appropriated9906€457k€1.03M▲
Transfer from equity791/2€292k€0▼
Transfer to equity691/2€457k€1.03M▲
To other reserves6921€457k€1.03M▲
Profit to be distributed694/7€292k€0▼
Return on contributions (dividend)694€292k€0▼
Social balance
Average headcount (FTE)90872.12.8▲
The notes to these accounts (22 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
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Highest result since 2019net €1.03M ▲126%
Operating result €1.60M, net result €1.03M, both a record.
2024
28-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
26-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
31-03
Financial
Weakest financial yearnet €243k ▼24%
Net result drops to €243k, the lowest in the series; recovery starts the following year.
2021
27-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
31-03
Financial
Equity above €2MEq €2.07M ▲18.3%
3 profitable years in a row build equity to €2.07M.
2020
26-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
24-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
08-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
29-09
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
5 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, Maaseik · 1 establishment unit since 2002
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.
Koning Albertlaan 163680 MaaseikGround area
393 m²
Building footprint
140 m²
Volume, LiDAR
965 m³
Parcel 72021D0011/00M000, Flanders · tallest building 11.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BEN GOYENS BOUWBEDRIJF
since 20022.101.638.622
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72021D0011/00M000 | Flanders | 393 m² | 1 · 140 m² | 11.9 m · 3 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 179 EUR awarded · 179 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 179 EUR | 179 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Recognised contractor
1 categoryBEN GOYENS BV34727
Legal Entity Identifier
25490042F9HGEE7AGG62
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Of 29,808 companies in sector 41001 we hold annual accounts for 16,038. 2,636 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-02-2002
Fiscal year end31-03
Activities, NACEBEL
41001General construction of residential buildings
45211
Sources
Crossroads Bank for EnterprisesNational Bank · 23 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.