BEN&REM
Open bankruptcyA bankruptcy procedure is open for BEN&REM according to publications in the Belgian State Gazette; curator: MELANIE HARVENGT.
Summary
The 2024 annual accounts show equity of €157k and a net result of €111k.
Are you a creditor?
Open bankruptcy
Source: Belgian Official Gazette
If this company owes you money, you are not paid automatically: you file your claim yourself, within the deadline the judgment sets.
The procedure
- Court
- Enterprise Court of Hainaut, Mons division
- Declared bankrupt
- 11 May 2026
- Supervising judge
- Gaspard Franeau
- Official Gazette
- 27-05-2026 (pdf) ↗search the document for 2026/122629
Curator
- Melanie HarvengtRue De Robiano 74, 7130 Binche- . Date provisoire de cessation de paiement : 11/05/2026m.harvengt@brux-harvengt.be
What to do now
- Do not deliver on credit any more without an agreement with the curator.
- Gather your documents: invoices, purchase orders, contract, delivery notes and reminders.
- File your proof of claim in RegSol (regsol.be), yourself with eID or itsme, or through your lawyer. State principal, interest and costs separately, and any preferential right you hold.
- Delivered under retention of title? Reclaim your goods before the first report on the verification of claims.
- Ask your accountant about the VAT on the unpaid invoices: in a bankruptcy it can be recovered under conditions.
- Follow the file in RegSol: the verification report (admitted or disputed) and the curator's reports appear there.
Deadlines: the judgment sets the last day to file your claim, by law at most thirty days after the judgment, and the day of the first verification report. Both dates are in the publication in the Official Gazette and in RegSol; Checked does not read them yet. A late claim is sometimes still possible, but not without consequences.
File a claim in RegSol ↗
Watch
Follow this bankruptcy: you are alerted when it is closed or reversed.
General information, not legal advice. If in doubt, the curator, your lawyer or your accountant can help. Full guide for creditors
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-07-2025, 9 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
9 d early
2023
5 d early
2022
37 d late
2021
12 d late
2020
38 d late
2019
46 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
History
Financials · fiscal year 2024, micro schema
Equity
€157k▲ 0.3%
2023 · €157k
Total assets
€430k▼ 13.4%
2023 · €497k
Net result
€111k▼ 10.4%
2023 · €124k
Working capital
€143k▲ 2.1%
2023 · €140k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€-64k€93k€108k▲ 15.5%€182k▲ 69.0%€160k▼ 12.2%
Net result€-58k€60k€76k▲ 27.8%€124k▲ 62.8%€111k▼ 10.4%
Equity€-33k€26k€32k▲ 21.9%€157k▲ 386%€157k▲ 0.3%
Total assets€143k▼ 12.1%€232k▲ 62.2%€269k▲ 16.1%€497k▲ 84.9%€430k▼ 13.4%
Debt€176k▲ 27.6%€205k▲ 16.4%€237k▲ 15.3%€340k▲ 43.8%€273k▼ 19.7%
Working capital€-24k▼ 1,215%€21k€10k▼ 53.9%€140k▲ 1,332%€143k▲ 2.1%
Staff (FTE)5.1▲ 59.4%7.3▲ 43.1%8.2▲ 12.3%10.8▲ 31.7%11.3▲ 4.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 12% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €430k
Fixed assets
€48k ▼ 41.0%
Current assets
€382k ▼ 8.0%
Equity and liabilities €430k
Equity
€157k ▲ 0.3%
Debt
€273k ▼ 19.7%
Debt's share of the balance-sheet total falls from 68.5% to 63.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€162k▼
2023 · €183k
Cash flow
€113k▼
2023 · €126k
Current ratio
1.60▲
2023 · 1.51
Debt to equity
1.74▼
2023 · 2.17
ROE
70.9%▼
2023 · 79.4%
ROA
25.9%▲
2023 · 25.0%
Interest coverage
9.88▲
2023 · 7.85
Debt ≤ 1 year
€240k▼
2023 · €276k
Debt > 1 year
€33k▼
2023 · €64k
Income taxes
€30k▼
2023 · €35k
Staff costs
€317k▼
2023 · €378k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €85 | €9 | €23k | €339 | ▼ 98.5% |
| Remuneration, social security and pensions62 | - | €225k | €278k | €378k | €317k | ▼ 16.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €26k | €27k | €11k | €2k | €2k | ▲ 22.9% |
| Other operating charges640/8 | - | €3k | €3k | €14k | €2k | ▼ 89.2% |
| Non-recurring operating charges66A | - | €1k | €45k | €63k | €40k | ▼ 36.6% |
| Gross operating margin9900 | €80k | €349k | €444k | €638k | €520k | ▼ 18.6% |
| Operating profit (loss)9901 | €-64k | €93k | €108k | €182k | €160k | ▼ 12.2% |
| Financial income75/76B | - | - | €1k | €1k | - | - |
| Recurring financial income75 | €9k | - | €1k | €1k | - | - |
| Financial charges65/66B | - | €9k | €8k | €23k | €18k | ▼ 24.3% |
| Recurring financial charges65 | €3k | €5k | €5k | €23k | €16k | ▼ 30.0% |
| Non-recurring financial charges66B | - | €4k | €3k | - | €1k | - |
| Profit (loss) for the period before taxes9903 | €-58k | €84k | €101k | €160k | €142k | ▼ 11.3% |
| Income taxes67/77 | €-211 | €24k | €24k | €35k | €30k | ▼ 14.4% |
| Profit (loss) for the period9904 | €-58k | €60k | €76k | €124k | €111k | ▼ 10.4% |
| Profit (loss) for the period to be appropriated9905 | €-58k | €60k | €76k | €124k | €111k | ▼ 10.4% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €143k | €232k | €269k | €497k | €430k | ▼ 13.4% |
| Fixed assets21/28 | €60k | €53k | €62k | €81k | €48k | ▼ 41.0% |
| Tangible fixed assets22/27 | €49k | €23k | €2k | €4k | €3k | ▼ 24.3% |
| Furniture and vehicles24 | - | €23k | €2k | €4k | €3k | ▼ 24.3% |
| Financial fixed assets28 | €11k | €31k | €60k | €77k | €45k | ▼ 41.7% |
| Current assets29/58 | €83k | €178k | €207k | €416k | €382k | ▼ 8.0% |
| Amounts receivable within one year40/41 | €42k | €99k | €79k | €166k | €78k | ▼ 52.6% |
| Trade receivables40 | - | €43k | €49k | €53k | €42k | ▼ 20.5% |
| Other amounts receivable41 | - | €56k | €30k | €113k | €37k | ▼ 67.7% |
| Cash at bank and in hand54/58 | €35k | €72k | €128k | €243k | €304k | ▲ 25.1% |
| Deferred charges and accrued income490/1 | - | €7k | - | €7k | €408 | ▼ 94.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €143k | €232k | €269k | €497k | €430k | ▼ 13.4% |
| Equity10/15 | €-33k | €26k | €32k | €157k | €157k | ▲ 0.3% |
| Contributions10/11 | - | €19k | €19k | €19k | €19k | = |
| Reserves13 | - | - | - | €138k | €138k | ▲ 0.3% |
| Distributable reserves133 | - | - | - | €138k | €138k | ▲ 0.3% |
| Profit (loss) carried forward14 | €-52k | €8k | €14k | - | - | - |
| Amounts payable17/49 | €176k | €205k | €237k | €340k | €273k | ▼ 19.7% |
| Amounts payable after more than one year17 | €69k | €48k | €39k | €64k | €33k | ▼ 47.6% |
| Financial debts170/4 | - | €9k | - | €25k | - | - |
| Other amounts payable178/9 | - | €39k | €39k | €39k | €33k | ▼ 14.9% |
| Amounts payable within one year42/48 | €107k | €157k | €197k | €276k | €240k | ▼ 13.1% |
| Current portion of amounts payable after more than one year42 | - | €21k | €9k | €33k | €31k | ▼ 5.9% |
| Financial debts43 | - | - | - | - | €42 | - |
| Credit institutions430/8 | - | - | - | - | €42 | - |
| Trade debts44 | €47k | €65k | €29k | €143k | €137k | ▼ 3.6% |
| Suppliers440/4 | - | €65k | €29k | €143k | €137k | ▼ 3.6% |
| Taxes, remuneration and social security45 | - | €71k | €149k | €90k | €55k | ▼ 39.3% |
| Taxes450/3 | - | €26k | €89k | €42k | €18k | ▼ 58.6% |
| Remuneration and social security454/9 | - | €45k | €60k | €48k | €37k | ▼ 22.1% |
| Other amounts payable47/48 | - | - | €11k | €11k | €17k | ▲ 57.2% |
| Accrued charges and deferred income492/3 | - | - | - | €301 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-58k | €60k | €76k | €124k | €111k | ▼ 10.4% |
| + Depreciation and write-downs630 | €26k | €27k | €11k | €2k | €2k | ▲ 22.9% |
| Operating cash flow (approximation) | €-31k | €86k | €87k | €126k | €113k | ▼ 10.0% |
| Investment in fixed assets (approximation) | - | €-20k | €-19k | €-21k | €31k | ▲ 250% |
| Change in cash | - | €37k | €56k | €114k | €61k | ▼ 46.8% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
2026
27-05
Bankruptcy
Opening
Tribunal de l’entreprise du Hainaut, division Mons · event 11-05-2026
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2019net €124k ▲62.8%
Operating result €182k, net result €124k, both a record.
31-12
Financial
Equity above €150kEq €157k ▲386%
3 profitable years in a row build equity to €157k.
06-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 37 days late
2022
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
2021
31-12
Financial
Back to profitnet €60k
Net result €60k after one loss-making year.
07-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 38 days late
2020
31-12
Financial
Weakest financial yearnet €-58k
Net result drops to €-58k, the lowest in the series.
15-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
3 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, La Louvière · 1 establishment unit since 2019
Ground area
3.7 ha
Building footprint
1,619 m²
Volume, LiDAR
35,723 m³
2 parcels, Brussels, Wallonia · tallest building 33.9 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
BEN&REM
since 20192.285.872.405
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21562A0435/02L002 | Brussels | 3.6 ha | 1 · 1,500 m² | 33.9 m · 8 fl. |
| 55573B0321/00N000 | Wallonia | 855 m² | 1 · 119 m² | 7.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | MELANIE HARVENGT RUE DE ROBIANO 74,
7130 BINCHE- .
Date provisoire de cessation de paiement : 11/05/2026 |
11-05-2026 → present |
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Of 2,342 companies in sector 47621 we hold annual accounts for 1,244. 1,050 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
Founded26-02-2019
Fiscal year end31-12
Activities, NACEBEL 2025
47621Retail sale of newspapers and periodicals
47252Retail sale of beverages, general range
47260Retail trade
58190Other publishing activities, excluding software publishing
92000Gambling and betting activities
Contact
E-mail
benjamin.calderone@busmail.net
Phone
+32476399685
Scores and ratios are computed by Checked and are not a credit decision.