Debts
€72,349 84% of the balance sheet
Suppliers 8%Taxes and wages 13%Other 78%
BEN’S TEXTILES
Lifetime
3 annual accounts with figures on one time axisGross marginpeak €23,226 (2024)
-€3,946▼ €27,172
Resultlowest -€4,213 (2025)
-€4,213▼ €22,638
Equitypeak €17,708 (2024)
€13,495▼ 23.8%
Debts
€72,349▲ 16.4%
Board3 names since 2022
1 directorOuadi Asma
Documentsfilings and deeds
29-10-202690 days late
2025micro format
Gross margin from €23,226 to -€3,946Loss of €4,213Equity from €17,708 to €13,495Debts from €62,159 to €72,349Cash from €1,228 to €37
Key points
from the 2025 annual accountsFilings
3 annual accounts 90 days
Latest accounts filed late: after the legal deadline.
Starting capital
€2,000 100 shares
Turnover not published (micro format)
Checked score
29
Weak
Financially stronger than 17% of micro companies without a NACE code
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
11.4% High
0%0.5%1.5%4%10%≥ 25%
About 1 in 9 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 16.1%
01-2025: 16.1%● unchanged vs 12-2024
02-2025: 15.5%▼ -0.6 percentage points vs 01-2025
03-2025: 8.4%▼ -7.1 percentage points vs 02-2025lowest value
04-2025: 9.8%▲ +1.4 percentage points vs 03-2025
05-2025: 11.1%▲ +1.3 percentage points vs 04-2025
06-2025: 12.2%▲ +1.1 percentage points vs 05-2025
07-2025: 12.3%▲ +0.1 percentage points vs 06-2025
08-2025: 13.2%▲ +0.9 percentage points vs 07-2025
09-2025: 13.7%▲ +0.5 percentage points vs 08-2025
10-2025: 18.8%▲ +5.1 percentage points vs 09-2025highest value
11-2025: 11.3%▼ -7.5 percentage points vs 10-2025
12-2025: 11.5%▲ +0.2 percentage points vs 11-2025
01-2026: 11.4%▼ -0.1 percentage points vs 12-2025
02-2026: 11.3%▼ -0.1 percentage points vs 01-2026
03-2026: 11.2%▼ -0.1 percentage points vs 02-2026
04-2026: 13.1%▲ +1.9 percentage points vs 03-2026
05-2026: 14.3%▲ +1.2 percentage points vs 04-2026
06-2026: 15.5%▲ +1.2 percentage points vs 05-2026
07-2026: 15.8%▲ +0.3 percentage points vs 06-2026
08-2026: 16.7%▲ +0.9 percentage points vs 07-2026
09-2026: 10.4%▼ -6.3 percentage points vs 08-2026
10-2026: 11.4%▲ +1.0 percentage point vs 09-2026
11-2026: 11.4%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Last filed accounts filed 90 days late; 2 of the last 3 accounts late
Founded in 2022
No registered site in the KBO
lowers risk
Size: total assets €85,843
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro). It does better than 26% of them on solvency, 6% on liquidity, 19% on profitability and 16% on growth.
The bankruptcy probability was computed on 04-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the high class on 30-06-2025, 14.6% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,271 companies had the same profile as BEN’S TEXTILES has now. Each dot stands for 4 companies, two years later.
93.5%
were still trading
2.0%
stopped another way
4.1%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of BEN’S TEXTILES itself is higher: 11.4% within 12 months. It rests on far more data about BEN’S TEXTILES than the profile alone.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,271 companies, not a prediction for BEN’S TEXTILES. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No publishable credit limit, so credit only on tighter terms
Liquidity is tight, with a current ratio of 1.19 (1.28 in 2024), below the usual 1.5. Short-term debt is 84.3% and cash 0% of total assets. 84.3% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 90 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-10-2026, 90 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 3 filingsDeviation from the deadline
2025
90 days late
2024
85 days late
2023
5 days early
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 3 accounts on average 57 days after the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 24 October (3 of the last 3 accounts filed within 89 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- Mamadou Bathily 100 sharesdeed of 02-08-2024
- Ouadi Asma 100 sharesdeed of 02-08-2024
Recent changes
Registered office moved from Anderlecht to Berchem-Sainte-Agathe
Transfer of shares from Mamadou Bathily to Ouadi Asma · New registered office: 16 rue Louis Braille à 1082 Berchem-Sainte-Agathe · Previous registered office: 24 rue Lambert Crickx à 1070 Anderlecht · General meeting of 01-07-2024 · Gazette deed
Registered office moved from Anderlecht to Anderlecht à la rue lambert crickx n
Transfer of 50 shares from FORDJOUR Ebenezer to BATHILY Mamadou · New registered office: B-1070 Anderlecht à la rue lambert crickx n° 24 · Previous registered office: Rue de l'Autonomie 5 1070 Anderlecht · General meeting of 14-02-2023 · Gazette deed
Incorporation
Founding capital of €2,000, 100 shares · Founders: FORDJOUR Ebenezer and BATHILY Mamadou · Appointments: FORDJOUR Ebenezer (director) and BATHILY Mamadou (director) · published on 19-05-2022 · Gazette deed
Official details
Source: KBO- Status
- Active since 17-05-2022Normal situation
- Legal form
- Private limited company
- Activity
- “L’achat,la vente,l’importation,l’exportation,le commerce de gros et de détail,le commerce ambulant,la réparation et l’entretien ainsi…” (deed in French)From the articles, 18 activitiesNo NACE code in the KBO yet
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Insights on BEN’S TEXTILES
BEN’S TEXTILES files the micro format. That format states no turnover. The gross margin fell from -€355 in 2023 to -€3,946 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about BEN’S TEXTILES
- What is the company number of BEN’S TEXTILES?
- The company number of BEN’S TEXTILES is 0786.291.304. The VAT number is the same number with BE in front: BE 0786.291.304.
- What is the legal form of BEN’S TEXTILES?
- BEN’S TEXTILES is a private limited company (BV).
- When was BEN’S TEXTILES founded?
- BEN’S TEXTILES was founded on 17-05-2022.
- Is BEN’S TEXTILES still active?
- Yes, BEN’S TEXTILES is an active enterprise in the KBO register.Company details
- What is the turnover of BEN’S TEXTILES?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
- Is BEN’S TEXTILES profitable?
- In financial year 2025, BEN’S TEXTILES made a loss of €4,213.
- Where can I find the annual accounts of BEN’S TEXTILES?
- BEN’S TEXTILES filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of BEN’S TEXTILES due?
- BEN’S TEXTILES must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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