BEN.NET
ActiveSummary
BEN.NET has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €11,159 and a net result of -€6,546. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 28% of 28281 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-81
Solvency52=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.95 against 1.03 in 2024; short-term debt: 73.2% and cash: 30% of total assets), and 73.2% of the assets are financed with debt.
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Signals
Five 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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
26.8%
Return on assets
-15.7%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-06-2026, 56 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
56 d early
2024
55 d early
2023
29 d late
2022
on the day
2021
6 d early
2020
236 d late
2019
126 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 39 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 25 July (4 of the last 5 filed years within 49 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€11,159▼ 37.0%
2024 · €17,705
Total assets
€41,578▼ 36.7%
2024 · €65,722
Net result
-€6,546
2024 · €6,591
Working capital
-€1,391
2024 · €1,310
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction 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
Line20212022202320242025
Operating result€9,970€24,226▲ 143%€10,584▼ 56.3%€10,342▼ 2.3%-€6,395
Net result€10,680within the sector's middle half€24,128within the sector's middle half▲ 126%€9,044within the sector's middle half▼ 62.5%€6,591within the sector's middle half▼ 27.1%-€6,546below the sector's middle half
Equity-€22,058below the sector's middle half▲ 32.6%€2,071below the sector's middle half€11,114below the sector's middle half▲ 437%€17,705below the sector's middle half▲ 59.3%€11,159below the sector's middle half▼ 37.0%
Total assets€151,272within the sector's middle half▲ 0.3%€56,831below the sector's middle half▼ 62.4%€54,531below the sector's middle half▼ 4.0%€65,722within the sector's middle half▲ 20.5%€41,578below the sector's middle half▼ 36.7%
Debt€173,330▼ 5.6%€54,760▼ 68.4%€43,416▼ 20.7%€48,017▲ 10.6%€30,419▼ 36.6%
Working capital-€25,648below the sector's middle half▲ 23.7%-€3,320below the sector's middle half▲ 87.1%-€5,609below the sector's middle half▼ 68.9%€1,310below the sector's middle half-€1,391below the sector's middle half
Solvency-14.6%below the sector's middle half▲ 7.1pp3.6%below the sector's middle half▲ 18.2pp20.4%below the sector's middle half▲ 16.7pp26.9%within the sector's middle half▲ 6.6pp26.8%within the sector's middle half▼ 0.1pp
Current ratio0.85below the sector's middle half▲ 0.040.94below the sector's middle half▲ 0.090.87below the sector's middle half▼ 0.071.03below the sector's middle half▲ 0.160.95below the sector's middle half▼ 0.07
Return on assets (ROA)7.1%within the sector's middle half▲ 10.5pp42.5%above the sector's middle half▲ 35.4pp16.6%within the sector's middle half▼ 25.9pp10.0%within the sector's middle half▼ 6.6pp-15.7%below the sector's middle half▼ 25.8pp
Staff (FTE)
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction 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
The operating result turns negative in 2025: a loss of €6,395 after €10,342 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €41,578
Fixed assets
€12,550 ▼ 23.5%
Current assets
€29,028 ▼ 41.2%
Equity and liabilities €41,578
Equity
€11,159 ▼ 37.0%
Debt
€30,419 ▼ 36.6%
Debt's share of the balance-sheet total rises from 73.1% to 73.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€1,508▼
2024 · €14,846
Cash flow
-€1,660▼
2024 · €11,095
Quick ratio
0.79▼
2024 · 0.85
Debt to equity
2.73▲
2024 · 2.71
ROE
-58.7%▼
2024 · 37.2%
Interest coverage
-17.31▼
2024 · 99.35
Debt ≤ 1 year
€30,419▼
2024 · €48,017
Income taxes
€70▼
2024 · €3,643
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,221 companies that looked in July 2024 the way this one looks now, 3.8% went bankrupt within 24 months and 88% are still going.
- Micro
- 20 years or older
- solvency 10 to 30%
- a loss of 10% of the balance sheet or more
3.8%
went bankrupt
7.4%
stopped otherwise
88%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.0% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 1,221 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €207 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €677 | €1,327 | €3,136 | €4,504 | €4,886 | ▲ 8.5% |
| Other operating charges640/8 | €475 | €2,419 | €905 | €559 | €796 | ▲ 42.5% |
| Non-recurring operating charges66A | - | - | - | €133 | - | - |
| Gross operating margin9900 | €11,123 | €27,972 | €14,625 | €15,538 | -€712 | ▼ 105% |
| Operating profit (loss)9901 | €9,970 | €24,226 | €10,584 | €10,342 | -€6,395 | ▼ 162% |
| Financial income75/76B | €859 | €53 | €345 | €41 | €5 | ▼ 87.0% |
| Recurring financial income75 | €859 | €53 | €345 | €41 | €5 | ▼ 87.0% |
| Financial charges65/66B | €150 | €150 | €77 | €149 | €87 | ▼ 41.7% |
| Recurring financial charges65 | €150 | €150 | €77 | €149 | €87 | ▼ 41.7% |
| Profit (loss) for the period before taxes9903 | €10,680 | €24,128 | €10,852 | €10,234 | -€6,477 | ▼ 163% |
| Income taxes67/77 | - | - | €1,809 | €3,643 | €70 | ▼ 98.1% |
| Profit (loss) for the period9904 | €10,680 | €24,128 | €9,044 | €6,591 | -€6,546 | ▼ 199% |
| Profit (loss) for the period to be appropriated9905 | €10,680 | €24,128 | €9,044 | €6,591 | -€6,546 | ▼ 199% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €151,272 | €56,831 | €54,531 | €65,722 | €41,578 | ▼ 36.7% |
| Fixed assets21/28 | €3,590 | €5,391 | €16,867 | €16,396 | €12,550 | ▼ 23.5% |
| Tangible fixed assets22/27 | €2,909 | €4,709 | €16,185 | €15,714 | €11,869 | ▼ 24.5% |
| Land and buildings22 | - | €1,789 | €1,604 | €1,419 | €1,234 | ▼ 13.0% |
| Plant, machinery and equipment23 | €1,186 | €1,530 | €1,021 | €525 | €784 | ▲ 49.4% |
| Furniture and vehicles24 | €956 | €813 | €13,173 | €13,573 | €9,843 | ▼ 27.5% |
| Other tangible fixed assets26 | €767 | €577 | €387 | €197 | €7 | ▼ 96.3% |
| Financial fixed assets28 | €681 | €681 | €681 | €681 | €681 | = |
| Current assets29/58 | €147,682 | €51,440 | €37,664 | €49,326 | €29,028 | ▼ 41.2% |
| Stocks and contracts in progress3 | €6,693 | €3,678 | €2,564 | €8,430 | €5,059 | ▼ 40.0% |
| Stocks30/36 | €6,693 | €3,678 | €2,564 | €8,430 | €5,059 | ▼ 40.0% |
| Amounts receivable within one year40/41 | €124,998 | €26,988 | €21,239 | €38,342 | €10,591 | ▼ 72.4% |
| Trade receivables40 | €122,966 | €26,988 | €19,657 | €36,091 | €10,591 | ▼ 70.7% |
| Other amounts receivable41 | €2,032 | - | €1,581 | €2,250 | - | - |
| Cash at bank and in hand54/58 | €15,809 | €19,221 | €13,805 | €2,165 | €12,460 | ▲ 475% |
| Deferred charges and accrued income490/1 | €182 | €1,554 | €55 | €389 | €919 | ▲ 136% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €151,272 | €56,831 | €54,531 | €65,722 | €41,578 | ▼ 36.7% |
| Equity10/15 | -€22,058 | €2,071 | €11,114 | €17,705 | €11,159 | ▼ 37.0% |
| Contributions10/11 | €6,250 | €6,250 | €6,250 | €6,250 | €6,250 | = |
| Capital10 | €6,250 | - | - | - | - | - |
| Issued capital100 | €25,000 | - | - | - | - | - |
| Uncalled capital101 | €18,750 | - | - | - | - | - |
| Outside capital11 | - | €6,250 | - | - | - | - |
| Other1109/19 | - | €6,250 | - | - | - | - |
| Reserves13 | €1,250 | €1,250 | €4,750 | €11,250 | €11,250 | = |
| Non-distributable reserves130/1 | €1,250 | €1,250 | €1,250 | €1,250 | €1,250 | = |
| Legal reserve130 | €1,250 | - | - | - | - | - |
| Reserves not available under the articles1311 | - | €1,250 | €1,250 | €1,250 | €1,250 | = |
| Distributable reserves133 | - | - | €3,500 | €10,000 | €10,000 | = |
| Profit (loss) carried forward14 | -€29,558 | -€5,429 | €114 | €205 | -€6,341 | ▼ 3,187% |
| Amounts payable17/49 | €173,330 | €54,760 | €43,416 | €48,017 | €30,419 | ▼ 36.6% |
| Amounts payable within one year42/48 | €173,330 | €54,760 | €43,273 | €48,017 | €30,419 | ▼ 36.6% |
| Trade debts44 | €112,003 | €13,420 | €15,539 | €20,446 | €4,507 | ▼ 78.0% |
| Suppliers440/4 | €112,003 | €13,420 | €15,539 | €20,446 | €4,507 | ▼ 78.0% |
| Advances received on contracts in progress46 | - | €100 | - | - | - | - |
| Taxes, remuneration and social security45 | - | €7,896 | €1,714 | €3,643 | €211 | ▼ 94.2% |
| Taxes450/3 | - | €7,896 | €1,714 | €3,643 | €211 | ▼ 94.2% |
| Other amounts payable47/48 | €61,327 | €33,345 | €26,020 | €23,928 | €25,701 | ▲ 7.4% |
| Accrued charges and deferred income492/3 | - | - | €143 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €10,680 | €24,128 | €9,044 | €6,591 | -€6,546 | ▼ 199% |
| + Depreciation and write-downs630 | €677 | €1,327 | €3,136 | €4,504 | €4,886 | ▲ 8.5% |
| Operating cash flow (approximation) | €11,357 | €25,455 | €12,179 | €11,095 | -€1,660 | ▼ 115% |
| Investment in fixed assets (approximation) | - | -€3,127 | -€14,612 | -€4,033 | -€1,040 | ▲ 74.2% |
| Change in cash | - | €3,412 | -€5,415 | -€11,640 | €10,294 | ▲ 188% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €24,128 ▲126%
Operating result €24,226, net result €24,128, both a record.
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
24-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 236 days late
2021
31-12
Financial
Back to profitnet €10,680
Net result €10,680 after 3 loss-making years.
2020
04-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 126 days late
2019
25-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 86 days late
2018
03-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 64 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
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, Durbuy · 1 establishment unit since 2002
Ground area
2,277 m²
Building footprint
139 m²
Parcel 83050B0418/00N000, Wallonia. Linked by address, not a title deed.
1 establishment unit
BEN.NET SPRL
since 20022.101.876.667
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83050B0418/00N000 | Wallonia | 2,277 m² | 1 · 139 m² | - |
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.
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Of 4,269 companies in sector 43230 we hold annual accounts for 1,241. 736 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
Founded28-06-2002
Fiscal year end31-12
Activities, NACEBEL 2025
43230Insulation installation
02400Forestry and logging
43120Site preparation
43310Plastering work
E-invoicing
Reachable via Peppol
Peppol ID
0208:0477857632
Registered
13-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.