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BEN IMMO

Active
Private limited companyfounded 20224 yrs activeRue du Terniaux(VLT) 103/D, 6460 Chimay, BelgiumKBO/BCE: BE 0786.234.884
Summary

BEN IMMO has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€1,982) and a net result of -€6,556. Equity is shrinking by ~97.7% per year across the filed fiscal years. Its solvency ranks better than 16% of 14254 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability2▼-23
Solvency21▼-14
Growth32▼-26
Track record94
Bankruptcy probability, 12 months
1.4% Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.27 against 1.11 in 2024; short-term debt: 104.2% and cash: 9.1% of total assets), and equity is negative.
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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 date
Age against the risk zone
highest failure risk from 2 to 8 years 4 years 0 10 y
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
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 2025
Solvency, return and age of the figures
Solvency
-4.2%
Return on assets
-14%
Age of the figures
15 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
232425
2023 to 2025 · latest year -€1,982
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 15-12-2025, 47 days ahead of the deadline.
NBB · 3 filings
Deviation from the deadline
2025
47 d early
2024
52 d early
2023
51 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 50 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)
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 months
Position in the running window
30-06-2026 close28-09-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 16 May 2022, BEN IMMO was incorporated as a Private limited company.1 Total assets went from EUR 49,457 in 2023 to EUR 46,798 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2023 and 2025

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Financials · fiscal year 2025, micro schema

Equity
-€1,982
2024 · €4,574
Total assets
€46,798▲ 1.3%
2024 · €46,191
Net result
-€6,556▼ 175%
2024 · -€2,383
Working capital
-€35,619
2024 · €4,574
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line202320242025
Operating result-€3,033--€2,279▲ 24.9%-€6,452▼ 183%
Net result-€3,043within the sector's middle half--€2,383within the sector's middle half▲ 21.7%-€6,556within the sector's middle half▼ 175%
Equity€6,957below the sector's middle half-€4,574below the sector's middle half▼ 34.3%-€1,982below the sector's middle half
Total assets€49,457below the sector's middle half-€46,191below the sector's middle half▼ 6.6%€46,798below the sector's middle half▲ 1.3%
Debt€42,500-€41,618▼ 2.1%€48,781▲ 17.2%
Working capital€6,957within the sector's middle half-€4,574within the sector's middle half▼ 34.3%-€35,619within the sector's middle half
Solvency14.1%within the sector's middle half-9.9%within the sector's middle half▼ 4.2pp-4.2%below the sector's middle half▼ 14.1pp
Current ratio1.16within the sector's middle half-1.11within the sector's middle half▼ 0.050.27below the sector's middle half▼ 0.84
Return on assets (ROA)-6.2%below the sector's middle half--5.2%below the sector's middle half▲ 1.0pp-14.0%below the sector's middle half▼ 8.8pp
above within below the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€8,000-€6,000-€4,000-€2,000€0Operating result 2023: -€3,033-€3,033Net result 2023: -€3,043-€3,043Operating result 2024: -€2,279-€2,279Net result 2024: -€2,383-€2,383Operating result 2025: -€6,452-€6,452Net result 2025: -€6,556-€6,556202320242025-€8,000-€6,000-€4,000-€2,000€0Operating result 2023: -€3,033-€3,030Net result 2023: -€3,043-€3,040Operating result 2024: -€2,279-€2,280Net result 2024: -€2,383-€2,380Operating result 2025: -€6,452-€6,450Net result 2025: -€6,556-€6,560202320242025
The operating result stays negative: a loss of €6,452 in 2025 against €2,279 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
Assets €46,798
Fixed assets €33,637
Current assets €13,162
Key figures and ratios
2025 value · change against 2024
Debt to equity
-24.61▼
2024 · 9.10
Debt ≤ 1 year
€48,781▲
2024 · €41,618
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 7,657 companies that looked in July 2024 the way this one looks now, 8.2% went bankrupt within 24 months and 84% are still going.

  • Micro
  • 2 to 5 years old
  • negative equity
  • a loss of 10% of the balance sheet or more
8.2% went bankrupt
5.3% stopped otherwise
84% still going

A further 2.0% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a lower bankruptcy probability: 1.4% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 7,657 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 27 lines
Balance sheet Code20242025
Assets
Total assets20/58€46,191€46,798▲
Fixed assets21/28-€33,637
Tangible fixed assets22/27-€33,637
Land and buildings22-€33,637
Current assets29/58€46,191€13,162▼
Amounts receivable within one year40/41€43,410€8,922▼
Trade receivables40€42,559€8,922▼
Other amounts receivable41€851-
Cash at bank and in hand54/58€2,781€4,240▲
Equity and liabilities
Total equity and liabilities10/49€46,191€46,798▲
Equity10/15€4,574-€1,982▼
Contributions10/11€10,000€10,000=
Profit (loss) carried forward14-€5,426-€11,982▼
Amounts payable17/49€41,618€48,781▲
Amounts payable within one year42/48€41,618€48,781▲
Other amounts payable47/48€41,618€48,781▲
Income statement Code20242025
Gross operating margin9900-€2,279-€6,452▼
Operating profit (loss)9901-€2,279-€6,452▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€104€104=
Recurring financial charges65€104€104=
Profit (loss) for the period before taxes9903-€2,383-€6,556▼
Profit (loss) for the period9904-€2,383-€6,556▼
Profit (loss) for the period to be appropriated9905-€2,383-€6,556▼
Appropriation of the result
Profit (loss) to be appropriated9906-€5,426-€11,982▼
Profit (loss) brought forward from the previous period14P-€3,043-€5,426▼

The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line202320242025Change
Gross operating margin9900-€3,033-€2,279-€6,452▼ 183%
Operating profit (loss)9901-€3,033-€2,279-€6,452▼ 183%
Financial income75/76B--€0-
Recurring financial income75--€0-
Financial charges65/66B€10€104€104=
Recurring financial charges65€10€104€104=
Profit (loss) for the period before taxes9903-€3,043-€2,383-€6,556▼ 175%
Profit (loss) for the period9904-€3,043-€2,383-€6,556▼ 175%
Profit (loss) for the period to be appropriated9905-€3,043-€2,383-€6,556▼ 175%
Line202320242025Change
Assets
Total assets20/58€49,457€46,191€46,798▲ 1.3%
Fixed assets21/28--€33,637-
Tangible fixed assets22/27--€33,637-
Land and buildings22--€33,637-
Current assets29/58€49,457€46,191€13,162▼ 71.5%
Amounts receivable within one year40/41€39,896€43,410€8,922▼ 79.4%
Trade receivables40€39,413€42,559€8,922▼ 79.0%
Other amounts receivable41€483€851--
Cash at bank and in hand54/58€9,560€2,781€4,240▲ 52.4%
Equity and liabilities
Total equity and liabilities10/49€49,457€46,191€46,798▲ 1.3%
Equity10/15€6,957€4,574-€1,982▼ 143%
Contributions10/11€10,000€10,000€10,000=
Profit (loss) carried forward14-€3,043-€5,426-€11,982▼ 121%
Amounts payable17/49€42,500€41,618€48,781▲ 17.2%
Amounts payable within one year42/48€42,500€41,618€48,781▲ 17.2%
Other amounts payable47/48€42,500€41,618€48,781▲ 17.2%
Line202320242025Change
Profit (loss) for the period9904-€3,043-€2,383-€6,556▼ 175%
Operating cash flow (approximation)-€3,043-€2,383-€6,556▼ 175%
Change in cash--€6,779€1,458▲ 122%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-01-2027
2025
15-12
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial Weakest financial yearnet -€6,556
Net result drops to -€6,556, the lowest in the series.
2024
10-12
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2023
11-12
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.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Chimay · 1 establishment unit since 2022
seat establishment The establishment unit on the map
Ground area
444 m²
Building footprint
160 m²
Volume, LiDAR
611 m³
Parcel 56082B0186/00K000, Wallonia · tallest building 5.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BEN IMMO
Rue du Terniaux(VLT) 103/D, 6460 ChimayRenting and operating of own or leased non-residential real estate, excluding land
since 20222.331.245.540
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
56082B0186/00K000 Wallonia 444 m² 1 · 160 m² 5.4 m · 1 fl.
Linked by address, not proof of ownership
Good to know
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

Of 7,326 companies in sector 68110 we hold annual accounts for 5,390. 1,269 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded16-05-2022
Fiscal year end30-06
Activities, NACEBEL 2025
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
68204Real estate activities
E-invoicing
Reachable via Peppol
Peppol ID 0208:0786234884
Also 9925:BE0786234884
Registered 24-12-2025

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.