Ben Somers
ActiveBen Somers has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.42M and a net result of €477k. Equity is growing by ~33.2% per year across the filed fiscal years. Its solvency ranks better than 75% of 10345 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▼-1
Solvency88▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €210k at 30 days acceptable
Liquidity ample (current ratio 4.96 against 3.49 in 2024; short-term debt: 11.1% and cash: 30.7% of total assets), and 37.3% 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.
−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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
62.7%
Return on assets
12.4%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
14 d late
2024
28 d late
2023
22 d late
2022
33 d early
2021
11 d late
2020
33 d early
2019
14 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.42M▲ 24.5%
2024 · €1.94M
2018: €261k
2019: €411k
2020: €691k
2021: €997k
2022: €1.18M
2023: €1.47M
2024: €1.94M
2018 → 2025
Total assets
€3.86M▲ 8.5%
2024 · €3.55M
2018: €1.11M
2019: €1.49M
2020: €2.14M
2021: €2.37M
2022: €2.44M
2023: €3.33M
2024: €3.55M
2018 → 2025
Net result
€477k▲ 1.3%
2024 · €471k
2018: €93k
2019: €150k
2020: €280k
2021: €306k
2022: €241k
2023: €295k
2024: €471k
2018 → 2025
Working capital
€1.70M▲ 40.2%
2024 · €1.21M
2018: €200k
2019: €66k
2020: €254k
2021: €504k
2022: €688k
2023: €708k
2024: €1.21M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€997k-€1.18M▲ 18.0%€1.47M▲ 25.0%€1.94M▲ 32.0%€2.42M▲ 24.5%
Operating result€461k-€377k▼ 18.3%€462k▲ 22.6%€735k▲ 59.1%€704k▼ 4.3%
Net result€306k-€241k▼ 21.1%€295k▲ 22.1%€471k▲ 59.8%€477k▲ 1.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.86M
Fixed assets
€1.73M▼ 6.8%
Current assets
€2.12M▲ 25.2%
Equity and liabilities €3.86M
Equity
€2.42M▲ 24.5%
Debt
€1.44M▼ 10.9%
The debt ratio falls from 45.4% to 37.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€837k▼
2024 · €892k
Cash flow
€610k▼
2024 · €627k
Solvency
62.7%▲
2024 · 54.6%
Current ratio
4.96▲
2024 · 3.49
Quick ratio
4.93▲
2024 · 3.46
Debt / equity
0.59▼
2024 · 0.83
ROE
19.7%▼
2024 · 24.2%
ROA
12.4%▼
2024 · 13.2%
Interest coverage
20.42▲
2024 · 19.38
Debt
€1.44M▼
2024 · €1.61M
Debt ≤ 1 year
€428k▼
2024 · €487k
Debt > 1 year
€1.01M▼
2024 · €1.13M
Income taxes
€222k▲
2024 · €219k
Staff costs
€918k▲
2024 · €862k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€3.55M€3.86M▲
Fixed assets21/28€1.86M€1.73M▼
Tangible fixed assets22/27€1.86M€1.73M▼
Land and buildings22€1.75M€1.64M▼
Plant, machinery and equipment23€112k€91k▼
Current assets29/58€1.70M€2.12M▲
Stocks and contracts in progress3€14k€13k▼
Stocks30/36€14k€13k▼
Amounts receivable within one year40/41€920k€928k▲
Trade receivables40€813k€820k▲
Other amounts receivable41€106k€109k▲
Cash at bank and in hand54/58€762k€1.18M▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€3.55M€3.86M▲
Equity10/15€1.94M€2.42M▲
Contributions10/11€19k€19k=
Reserves13€1.92M€2.40M▲
Distributable reserves133€1.92M€2.40M▲
Amounts payable17/49€1.61M€1.44M▼
Amounts payable after more than one year17€1.13M€1.01M▼
Financial debts170/4€1.13M€1.01M▼
Amounts payable within one year42/48€487k€428k▼
Current portion of amounts payable after more than one year42€124k€116k▼
Trade debts44€140k€65k▼
Suppliers440/4€140k€65k▼
Taxes, remuneration and social security45€76k€100k▲
Taxes450/3€19k€40k▲
Remuneration and social security454/9€57k€60k▲
Other amounts payable47/48€147k€147k▼
Income statement
Code20242025
Remuneration, social security and pensions62€862k€918k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€156k€134k▼
Other operating charges640/8€8k€11k▲
Gross operating margin9900€1.76M€1.77M▲
Operating profit (loss)9901€735k€704k▼
Financial income75/76B€56€36k▲
Recurring financial income75€56€36k▲
Financial charges65/66B€46k€41k▼
Recurring financial charges65€46k€41k▼
Profit (loss) for the period before taxes9903€690k€699k▲
Income taxes67/77€219k€222k▲
Profit (loss) for the period9904€471k€477k▲
Profit (loss) for the period to be appropriated9905€471k€477k▲
Appropriation of the result
Profit (loss) to be appropriated9906€471k€477k▲
Transfer to equity691/2€471k€477k▲
To other reserves6921€471k€477k▲
Social balance
Average headcount (FTE)908723.625.1▲
The notes to these accounts (18 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 14 days late
2025
31-12
Financial
Highest result since 2018net €477k ▲1.3%
Net result €477k, the highest in the series.
31-12
Financial
Equity above €2MEq €2.42M ▲24.5%
8 profitable years in a row build equity to €2.42M.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 22 days late
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €1MEq €1.18M ▲18%
5 profitable years in a row build equity to €1.18M.
11-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 11 days late
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €500kEq €691k ▲68.2%
3 profitable years in a row build equity to €691k.
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 14 days late
2019
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 14 days late
2018
07-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 7 days late
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Boechout · 1 establishment unit since 2010
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.
Heuvelstraat 1042530 BoechoutGround area
339 m²
Building footprint
257 m²
Volume, LiDAR
1,519 m³
Parcel 11004D0032/00W000, Flanders · tallest building 12.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Heuvelstraat 104, 2530 Boechout
since 20102.186.678.324
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11004D0032/00W000 | Flanders | 339 m² | 1 · 257 m² | 12.1 m · 1 fl. |
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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 446 EUR awarded · 446 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 176 EUR | 176 EUR |
| 2023 | 1 | 135 EUR | 135 EUR |
| 2022 | 1 | 135 EUR | 135 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteBoechout2.186.678.324
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Of 3,043 companies in sector 47221 we hold annual accounts for 1,562. 427 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-02-2010
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47114Supermarkets
47221Retail sale of meat and meat products, excluding game and poultry
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.