Ben Smart Homes
ActiveThe computed 12-month bankruptcy probability of Ben Smart Homes is 2.9% (moderate). The 2024 annual accounts show equity of €17k and a net result of €1k. Equity is growing by ~4% per year across the filed fiscal years. Its solvency ranks better than 19% of 36373 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability71▲+2
Solvency42▲+3
Growth52▲+20
Track record94
Bankruptcy probability, 12 months
2.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.88 against 0.82 in 2023; short-term debt: 59.4% and cash: 19% of total assets), and 83.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
16.9%
Return on assets
1.4%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 36373 sector peers (2024).
NBB · sector comparisonPosition among 36373 sector peers
Solvency
better than 19%
← weakest
strongest →
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 17-06-2025, 44 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
44 d early
2023
50 d early
2022
48 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€17k▲ 9.1%
2023 · €16k
2022: €16k
2023: €16k
2022 → 2024
Total assets
€101k▼ 7.8%
2023 · €110k
2022: €94k
2023: €110k
2022 → 2024
Net result
€1k
2023 · €-151
2022: €11k
2023: €-151
2022 → 2024
Working capital
€-7k▲ 29.1%
2023 · €-10k
2022: €-609
2023: €-10k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€16k-€16k▼ 1.0%€17k▲ 9.1%
Operating result€11k-€494▼ 95.5%€2k▲ 321%
Net result€11k-€-151€1k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 321% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €101k
Fixed assets
€49k▼ 21.8%
Current assets
€53k▲ 10.2%
Equity and liabilities €101k
Equity
€17k▲ 9.1%
Debt
€84k▼ 10.6%
The debt ratio falls from 85.7% to 83.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€18k▲
2023 · €14k
Cash flow
€17k▲
2023 · €13k
Solvency
16.9%▲
2023 · 14.3%
Current ratio
0.88▲
2023 · 0.82
Quick ratio
0.45▲
2023 · 0.43
Debt / equity
4.92▼
2023 · 6.01
ROE
8.3%▲
2023 · -1.0%
ROA
1.4%▲
2023 · -0.1%
Interest coverage
10.06▲
2023 · 8.75
Debt
€84k▼
2023 · €94k
Debt ≤ 1 year
€60k▲
2023 · €58k
Debt > 1 year
€24k▼
2023 · €36k
Income taxes
€300
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€110k€101k▼
Fixed assets21/28€62k€49k▼
Tangible fixed assets22/27€62k€49k▼
Plant, machinery and equipment23€20k€18k▼
Furniture and vehicles24€42k€31k▼
Current assets29/58€48k€53k▲
Stocks and contracts in progress3€23k€26k▲
Stocks30/36€8k€15k▲
Contracts in progress37€15k€11k▼
Amounts receivable within one year40/41€15k€8k▼
Trade receivables40€6k€585▼
Other amounts receivable41€9k€7k▼
Cash at bank and in hand54/58€10k€19k▲
Equity and liabilities
Total equity and liabilities10/49€110k€101k▼
Equity10/15€16k€17k▲
Contributions10/11€5k€5k=
Reserves13€11k€12k▲
Distributable reserves133€11k€12k▲
Profit (loss) carried forward14€-151-
Amounts payable17/49€94k€84k▼
Amounts payable after more than one year17€36k€24k▼
Financial debts170/4€36k€24k▼
Amounts payable within one year42/48€58k€60k▲
Current portion of amounts payable after more than one year42€12k€12k▲
Trade debts44€12k€9k▼
Suppliers440/4€12k€9k▼
Other amounts payable47/48€34k€39k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€16k▲
Other operating charges640/8€417€190▼
Gross operating margin9900€14k€18k▲
Operating profit (loss)9901€494€2k▲
Financial income75/76B€904€1k▲
Recurring financial income75€904€1k▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€-151€2k▲
Income taxes67/77-€300
Profit (loss) for the period9904€-151€1k▲
Profit (loss) for the period to be appropriated9905€-151€1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-151€1k▲
Profit (loss) brought forward from the previous period14P-€-151
Transfer to equity691/2-€1k
To other reserves6921-€1k
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
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-151 ▼101%
Net result drops to €-151, the lowest in the series; recovery starts the following year.
13-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Nijlen · 1 establishment unit since 2022
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.
Paashoekstraat 632560 NijlenGround area
981 m²
Building footprint
134 m²
Parcel 12026B0209/00V000, Flanders · tallest building 0.1 m. Linked by address, not a title deed.
1 establishment unit
Ben Smart Homes
since 20222.327.928.833
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12026B0209/00V000 | Flanders | 981 m² | 1 · 134 m² | 0.1 m |
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.
Similar companies · same sector, comparable size
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BE 0778.314.835
Hulshout · Eq €17k
G. BUSI
BE 0752.800.370
Peer · Eq €17k
RR INSTAL SYSTEM
BE 1019.950.050
Jette · Eq €17k
LUMITECH
BE 1007.263.638
Drogenbos · Eq €17k
S²-PROJECTS
BE 0783.510.075
Rotselaar · Eq €17k
Of 22,826 companies in sector 43211 we hold annual accounts for 10,327. 6,872 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-02-2022
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
33200Installation of industrial machinery and equipment
42220Construction of utility projects for electricity and telecommunications
43230Insulation installation
43240Other construction installation
43291Specialised construction activities
43299Specialised construction activities
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.