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.
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)
Financials · fiscal year 2024, micro schema
Equity
€157k▲ 0.3%
2023 · €157k
2019: €24k
2020: €-33k▼ -237% vs 2019lowest in 6 years
2021: €26k▲ +179% vs 2020
2022: €32k▲ +21.9% vs 2021
2023: €157k▲ +386% vs 2022
2024: €157k▲ +0.3% vs 2023highest in 6 years
2019 → 2024
Total assets
€430k▼ 13.4%
2023 · €497k
2019: €162k
2020: €143k▼ -12.1% vs 2019lowest in 6 years
2021: €232k▲ +62.2% vs 2020
2022: €269k▲ +16.1% vs 2021
2023: €497k▲ +84.9% vs 2022highest in 6 years
2024: €430k▼ -13.4% vs 2023
2019 → 2024
Net result
€111k▼ 10.4%
2023 · €124k
2019: €6k
2020: €-58k▼ -1098% vs 2019lowest in 6 years
2021: €60k▲ +204% vs 2020
2022: €76k▲ +27.8% vs 2021
2023: €124k▲ +62.8% vs 2022highest in 6 years
2024: €111k▼ -10.4% vs 2023
2019 → 2024
Working capital
€143k▲ 2.1%
2023 · €140k
2019: €-2k
2020: €-24k▼ -1215% vs 2019lowest in 6 years
2021: €21k▲ +188% vs 2020
2022: €10k▼ -53.9% vs 2021
2023: €140k▲ +1332% vs 2022
2024: €143k▲ +2.1% vs 2023highest in 6 years
2019 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-33k-€26k€32k▲ 21.9%€157k▲ 386%€157k▲ 0.3%
2020: €-33klowest in 5 years
2021: €26k▲ +179% vs 2020
2022: €32k▲ +21.9% vs 2021
2023: €157k▲ +386% vs 2022
2024: €157k▲ +0.3% vs 2023highest in 5 years
Operating result€-64k-€93k€108k▲ 15.5%€182k▲ 69.0%€160k▼ 12.2%
2020: €-64klowest in 5 years
2021: €93k▲ +245% vs 2020
2022: €108k▲ +15.5% vs 2021
2023: €182k▲ +69.0% vs 2022highest in 5 years
2024: €160k▼ -12.2% vs 2023
Net result€-58k-€60k€76k▲ 27.8%€124k▲ 62.8%€111k▼ 10.4%
2020: €-58klowest in 5 years
2021: €60k▲ +204% vs 2020
2022: €76k▲ +27.8% vs 2021
2023: €124k▲ +62.8% vs 2022highest in 5 years
2024: €111k▼ -10.4% vs 2023
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.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 53 lines
Balance sheet
Code20232024
Assets
Total assets20/58€497k€430k▼
Fixed assets21/28€81k€48k▼
Tangible fixed assets22/27€4k€3k▼
Furniture and vehicles24€4k€3k▼
Financial fixed assets28€77k€45k▼
Current assets29/58€416k€382k▼
Amounts receivable within one year40/41€166k€78k▼
Trade receivables40€53k€42k▼
Other amounts receivable41€113k€37k▼
Cash at bank and in hand54/58€243k€304k▲
Deferred charges and accrued income490/1€7k€408▼
Equity and liabilities
Total equity and liabilities10/49€497k€430k▼
Equity10/15€157k€157k▲
Contributions10/11€19k€19k=
Reserves13€138k€138k▲
Distributable reserves133€138k€138k▲
Amounts payable17/49€340k€273k▼
Amounts payable after more than one year17€64k€33k▼
Financial debts170/4€25k-
Other amounts payable178/9€39k€33k▼
Amounts payable within one year42/48€276k€240k▼
Current portion of amounts payable after more than one year42€33k€31k▼
Financial debts43-€42
Credit institutions430/8-€42
Trade debts44€143k€137k▼
Suppliers440/4€143k€137k▼
Taxes, remuneration and social security45€90k€55k▼
Taxes450/3€42k€18k▼
Remuneration and social security454/9€48k€37k▼
Other amounts payable47/48€11k€17k▲
Accrued charges and deferred income492/3€301-
Income statement
Code20232024
Non-recurring operating income76A€23k€339▼
Remuneration, social security and pensions62€378k€317k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€14k€2k▼
Non-recurring operating charges66A€63k€40k▼
Gross operating margin9900€638k€520k▼
Operating profit (loss)9901€182k€160k▼
Financial income75/76B€1k-
Recurring financial income75€1k-
Financial charges65/66B€23k€18k▼
Recurring financial charges65€23k€16k▼
Non-recurring financial charges66B-€1k
Profit (loss) for the period before taxes9903€160k€142k▼
Income taxes67/77€35k€30k▼
Profit (loss) for the period9904€124k€111k▼
Profit (loss) for the period to be appropriated9905€124k€111k▼
Appropriation of the result
Profit (loss) to be appropriated9906€138k€111k▼
Profit (loss) brought forward from the previous period14P€14k-
Transfer to equity691/2€138k€447▼
To other reserves6921€138k€447▼
Profit to be distributed694/7-€111k
Return on contributions (dividend)694-€111k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| 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.
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.
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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.