BEN MARKET
ActiveBEN MARKET has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16k and a net result of €7k. Equity is growing by ~6.7% per year across the filed fiscal years. Its solvency ranks better than 31% of 18207 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▼-2
Solvency37▲+3
Growth70▲+13
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.12 against 1.05 in 2024; short-term debt: 87.9% and cash: 41.1% of total assets), and 87.9% 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 47
Relative position
BE, all sectors
reference
Sector 47
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
12.1%
Return on assets
5.7%
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 31-08-2026, 31 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
31 d late
2024
61 d late
2023
90 d late
2022
31 d late
2021
116 d late
2020
82 d late
2019
107 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€459k▲ 18.8%
2022 · €386k
2018: €336k
2019: €299k
2021: €374k
2022: €386k
2018 → 2023
EBIT margin
0.3%▲ 3.1pp
2022 · -2.8%
2018: 0.4%
2019: -0.5%
2021: 0.6%
2022: -2.8%
2018 → 2023
Net result
€7k▲ 14.2%
2024 · €6k
2018: €1k
2019: €-2k
2020: €4k
2021: €1k
2022: €-12k
2023: €549
2024: €6k
2018 → 2025
Working capital
€14k▲ 216%
2024 · €4k
2018: €10k
2019: €8k
2020: €11k
2021: €13k
2022: €-2k
2023: €-5k
2024: €4k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€374k-€386k▲ 3.4%€459k▲ 18.8%
Equity€13k-€1k▼ 89.5%€2k▲ 40.0%€8k▲ 338%€16k▲ 88.1%
Operating result€2k-€-11k€2k€11k▲ 621%€12k▲ 7.6%
Net result€1k-€-12k€549€6k▲ 1,082%€7k▲ 14.2%
Turnover and EBIT margin not published: the micro 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 8% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €131k
Fixed assets
€2k▼ 54.3%
Current assets
€129k▲ 47.2%
Equity and liabilities €131k
Equity
€16k▲ 88.1%
Debt
€115k▲ 38.2%
The debt ratio falls from 90.8% to 87.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€14k▼
2024 · €14k
Cash flow
€10k▼
2024 · €10k
Solvency
12.1%▲
2024 · 9.2%
Current ratio
1.12▲
2024 · 1.05
Quick ratio
0.56▲
2024 · 0.33
Debt / equity
7.28▼
2024 · 9.91
ROE
46.8%▼
2024 · 77.1%
ROA
5.7%▼
2024 · 7.1%
Interest coverage
21.55▼
2024 · 21.95
Debt
€115k▲
2024 · €83k
Debt ≤ 1 year
€115k▲
2024 · €83k
Income taxes
€4k▼
2024 · €4k
Staff costs
€22k▼
2024 · €43k
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€92k€131k▲
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€4k€2k▼
Plant, machinery and equipment23€368-
Furniture and vehicles24€3k€2k▼
Financial fixed assets28€314€314=
Current assets29/58€88k€129k▲
Stocks and contracts in progress3€60k€64k▲
Stocks30/36€60k€64k▲
Amounts receivable within one year40/41€15k€9k▼
Trade receivables40€655-
Other amounts receivable41€14k€9k▼
Cash at bank and in hand54/58€11k€54k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€92k€131k▲
Equity10/15€8k€16k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-10k€-3k▲
Amounts payable17/49€83k€115k▲
Amounts payable within one year42/48€83k€115k▲
Trade debts44€33k€31k▼
Suppliers440/4€33k€31k▼
Taxes, remuneration and social security45€14k€21k▲
Taxes450/3€325€4k▲
Remuneration and social security454/9€14k€17k▲
Other amounts payable47/48€37k€63k▲
Income statement
Code20242025
Remuneration, social security and pensions62€43k€22k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€7k€3k▼
Gross operating margin9900€63k€39k▼
Operating profit (loss)9901€11k€12k▲
Financial income75/76B€3-
Recurring financial income75€3-
Financial charges65/66B€639€642▲
Recurring financial charges65€639€642▲
Profit (loss) for the period before taxes9903€10k€11k▲
Income taxes67/77€4k€4k▼
Profit (loss) for the period9904€6k€7k▲
Profit (loss) for the period to be appropriated9905€6k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-10k€-3k▲
Profit (loss) brought forward from the previous period14P€-17k€-10k▲
The notes to these accounts (6 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €7k ▲14.2%
Operating result €12k, net result €7k, both a record.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
29-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 90 days late
2023
31-12
Financial
Back to profitnet €549
Net result €549 after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €-12k ▼936%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
24-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 116 days late
2021
21-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 82 days late
2020
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
15-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 107 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Brussel · 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.
Maagdenstraat 491000 BrusselGround area
155 m²
Building footprint
155 m²
Volume, LiDAR
1,930 m³
Parcel 21810L1979/00C000, Brussels · tallest building 14.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Maagdenstraat 49, 1000 Brussel
since 20102.188.164.404
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21810L1979/00C000 | Brussels | 155 m² | 1 · 155 m² | 14.6 m · 4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBrussel2.188.164.404
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Of 10,524 companies in sector 47110 we hold annual accounts for 5,859. 3,951 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded26-03-2010
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.