BENAMOR
ActiveSummary
The computed 12-month bankruptcy probability of BENAMOR is 3.2% (moderate). The 2025 annual accounts show negative equity (-€100,329) and a net result of -€13,290. Equity is shrinking by ~37.2% per year across the filed fiscal years. Its solvency ranks better than 9% of 11508 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).
Checked score
Score 2025
Axes · tick = 2023
Profitability3▼-68
Solvency0=
Growth55▼-17
Track record92
Bankruptcy probability, 12 months
3.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.35 against 0.5 in 2023; short-term debt: 193.4% and cash: 2.1% of total assets), and equity is negative.
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Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2025Solvency, return and age of the figures
Solvency
-93.4%
Return on assets
-12.4%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
181920222325
2018 to 2025 · latest year -€100,329
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-08-2026, 6 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 · 9 filingsDeviation from the deadline
2025
6 d late
2023
76 d late
2022
88 d late
2020
100 d late
2019
243 d late
2018
29 d late
2017
6 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 77 days after the deadline; the sector median for financial year 2023 is 2 days before the deadline, and 40% of the sector filed late.
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
Address struck
Checked, nothing found (1)
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. Usually files around 27 October (4 of the last 5 filed years within 82 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Turnover
€277,619▲ 105%
2019 · €135,470
EBIT margin
6.7%▲ 42.3pp
2019 · -35.6%
Net result
-€13,290
2023 · €3,595
Working capital
-€134,835▲ 15.3%
2023 · -€159,123
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20192020202220232025
Turnover€135,470€277,619▲ 105%
Operating result-€48,195€18,687-€55,076-€4,634-€12,940-
Net result-€48,212€18,523within the sector's middle half-€55,421below the sector's middle half-€3,595within the sector's middle half-€13,290below the sector's middle half-
EBIT margin-35.6%6.7%▲ 42.3pp
Equity-€3,276€15,247within the sector's middle half-€71,662below the sector's middle half--€78,883below the sector's middle half▼ 10.1%-€100,329below the sector's middle half-
Total assets€76,921▲ 52.9%€121,207within the sector's middle half▲ 57.6%€179,286within the sector's middle half-€239,068within the sector's middle half▲ 33.3%€107,385within the sector's middle half-
Debt€80,196▲ 85.0%€105,960▲ 32.1%€250,948-€317,950▲ 26.7%€207,714-
Working capital-€24,213-€12,281below the sector's middle half▲ 49.3%-€110,340below the sector's middle half--€159,123below the sector's middle half▼ 44.2%-€134,835below the sector's middle half-
Solvency-4.3%▼ 18.1pp12.6%within the sector's middle half▲ 16.8pp-40.0%below the sector's middle half--33.0%below the sector's middle half▲ 7.0pp-93.4%below the sector's middle half-
Current ratio0.70▼ 0.460.88below the sector's middle half▲ 0.190.56below the sector's middle half-0.50below the sector's middle half▼ 0.060.35below the sector's middle half-
Return on assets (ROA)-62.7%▼ 64.6pp15.3%above the sector's middle half▲ 78.0pp-30.9%below the sector's middle half-1.5%within the sector's middle half▲ 32.4pp-12.4%below the sector's middle half-
Staff (FTE)3▲ 500%
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result is -€12,940 in 2025, compared with €4,634 in 2023. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Assets €107,385
Fixed assets
€34,506 ▼ 57.0%
Current assets
€72,879 ▼ 54.1%
Key figures and ratios
EBITDA
-€6,191▼
2023 · €7,019
Cash flow
-€6,541▼
2023 · €5,980
Quick ratio
0.33▼
2023 · 0.48
Debt to equity
-2.07▲
2023 · -4.03
Interest coverage
-17.70▼
2023 · 6.76
Debt ≤ 1 year
€207,714▼
2023 · €317,950
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,906 companies that looked in July 2024 the way this one looks now, 5.8% went bankrupt within 24 months and 85% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a loss of 10% of the balance sheet or more
5.8%
went bankrupt
8.1%
stopped otherwise
85%
still going
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 3.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,906 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2019 | 2020 | 2022 | 2023 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €135,470 | €277,619 | - | - | - | - |
| Remuneration, social security and pensions62 | - | - | €14,723 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €500 | €1,190 | €2,385 | €6,749 | - |
| Other operating charges640/8 | - | - | €2,991 | €1,010 | €134 | - |
| Non-recurring operating charges66A | - | - | €833 | €297 | - | - |
| Gross operating margin9900 | €44,117 | €113,887 | -€35,340 | €8,326 | -€6,058 | - |
| Operating profit (loss)9901 | -€48,195 | €18,687 | -€55,076 | €4,634 | -€12,940 | - |
| Recurring financial income75 | €6 | - | - | - | - | - |
| Financial charges65/66B | - | - | €345 | €1,039 | €350 | - |
| Recurring financial charges65 | €201 | €164 | €345 | €1,039 | €350 | - |
| Profit (loss) for the period before taxes9903 | -€48,212 | €18,523 | -€55,421 | €3,595 | -€13,290 | - |
| Profit (loss) for the period9904 | -€48,212 | €18,523 | -€55,421 | €3,595 | -€13,290 | - |
| Profit (loss) for the period to be appropriated9905 | -€48,212 | €18,523 | -€55,421 | €3,595 | -€13,290 | - |
| Line | 2019 | 2020 | 2022 | 2023 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €76,921 | €121,207 | €179,286 | €239,068 | €107,385 | - |
| Fixed assets21/28 | €20,937 | €27,528 | €38,678 | €80,241 | €34,506 | - |
| Tangible fixed assets22/27 | - | €3,500 | €14,650 | €14,656 | €15,506 | - |
| Plant, machinery and equipment23 | - | - | €1,500 | €6,750 | €2,750 | - |
| Furniture and vehicles24 | - | - | €13,150 | €7,906 | €12,756 | - |
| Financial fixed assets28 | €20,937 | €24,028 | €24,028 | €65,584 | €19,000 | - |
| Current assets29/58 | €55,983 | €93,679 | €140,608 | €158,827 | €72,879 | - |
| Stocks and contracts in progress3 | - | €3,000 | €5,000 | €5,000 | €5,000 | - |
| Stocks30/36 | - | - | €5,000 | €5,000 | €5,000 | - |
| Amounts receivable within one year40/41 | €47,329 | €70,424 | €79,299 | €71,935 | €22,856 | - |
| Trade receivables40 | - | - | €79,299 | €60,231 | €12,994 | - |
| Other amounts receivable41 | - | - | - | €11,705 | €9,862 | - |
| Current investments50/53 | - | - | - | €80,691 | - | - |
| Cash at bank and in hand54/58 | €7,454 | €19,054 | €55,109 | - | €2,266 | - |
| Deferred charges and accrued income490/1 | - | - | €1,200 | €1,200 | €42,756 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €76,921 | €121,207 | €179,286 | €239,068 | €107,385 | - |
| Equity10/15 | -€3,276 | €15,247 | -€71,662 | -€78,883 | -€100,329 | - |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | - |
| Capital10 | - | - | €18,600 | €18,600 | - | - |
| Issued capital100 | - | - | €18,600 | €18,600 | - | - |
| Outside capital11 | - | - | - | - | €18,600 | - |
| Other1109/19 | - | - | - | - | €18,600 | - |
| Profit (loss) carried forward14 | -€21,876 | -€3,353 | -€90,262 | -€97,483 | -€118,929 | - |
| Amounts payable17/49 | €80,196 | €105,960 | €250,948 | €317,950 | €207,714 | - |
| Amounts payable within one year42/48 | €80,196 | €105,960 | €250,948 | €317,950 | €207,714 | - |
| Financial debts43 | - | - | - | - | €5 | - |
| Credit institutions430/8 | - | - | - | - | €5 | - |
| Trade debts44 | €62,436 | €74,238 | €206,219 | €272,889 | €150,840 | - |
| Suppliers440/4 | - | - | €206,219 | €272,889 | €150,840 | - |
| Taxes, remuneration and social security45 | - | - | €3,590 | €12,656 | €6,382 | - |
| Taxes450/3 | - | - | €3,590 | €12,656 | - | - |
| Remuneration and social security454/9 | - | - | - | - | €6,382 | - |
| Other amounts payable47/48 | - | - | €41,140 | €32,405 | €50,487 | - |
| Line | 2019 | 2020 | 2022 | 2023 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€48,212 | €18,523 | -€55,421 | €3,595 | -€13,290 | - |
| + Depreciation and write-downs630 | - | €500 | €1,190 | €2,385 | €6,749 | - |
| Operating cash flow (approximation) | -€48,212 | €19,023 | -€54,231 | €5,980 | -€6,541 | - |
| Investment in fixed assets (approximation) | - | -€7,091 | - | -€43,948 | - | - |
| Change in cash | - | €11,601 | - | - | - | - |
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
Next filing, fiscal year 2026, expected by
2026
06-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 6 days late
06-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 6 days late
26-05
State Gazette act
Resignation: BENAMOR Abderahman (director)Appointment: ABDELLATI Najet (director) · Share transfer · Shareholding7 facts ▸
State Gazette act
Resignation: BENAMOR Abderahman (director)
Appointment: ABDELLATI Najet (director) · Share transfer · Shareholding7 facts ▸
- General meeting, 01-04-2026
- Share transfer, BENAMOR Abderahman → ABDELLATI Najet
- Shareholding, 01-04-2026, 0
- Shareholding, 01-04-2026, 100
- Director resignation, BENAMOR Abderahman (director)
- Director discharge, BENAMOR Abderahman
- Director appointment, ABDELLATI Najet (director (executive))
2025
16-05
KBO administration
Address struck
Imperiastraat 8 1930 Die Sitzadresse Imperiastraat 8 1930
Zaventem · event 08-05-2025
2024
15-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 76 days late
2023
31-12
Financial
Back to profitnet €3,595
Net result €3,595 after one loss-making year.
27-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 88 days late
2022
31-12
Financial
Weakest financial yearnet -€55,421
Net result drops to -€55,421, the lowest in the series; recovery starts the following year.
2021
08-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 100 days late
31-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 243 days late
2020
31-12
Financial
Back to profitnet €18,523
Net result €18,523 after one loss-making year.
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
Show earlier events
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
SignalFinancial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 5 acts read
About the unread acts
Of the 5 Belgian State Gazette acts we know for this company, 1 has been read. The other 4 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 office holder, last change in 2026
Other functions 1
Madame ABDELLATI Najet
CurrentDirector (executive) · since 01-04-2026
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
4 of this company's 5 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Vilvoorde · 1 establishment unit since 2014
Ground area
8,069 m²
Building footprint
1,872 m²
Volume, LiDAR
725 m³
2 parcels, Flanders · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
278
companies at this address
See who is registered here
1 establishment unit
BENAMOR
since 20142.236.894.531
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23094D0041/00F000 | Flanders | 7,975 m² | 1 · 1,789 m² | - |
| 23642D0866/00X000 | Flanders | 93 m² | 1 · 82 m² | 11.0 m · 3 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.
Mandate history
2 people since 2026, 1 in office
- Board
- Other function
- began earlier
| Name | Functions and periods |
|---|---|
| Madame ABDELLATI Najet |
|
| Monsieur BENAMOR Abderahman |
|
Structure & network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
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Shareholding
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Of 798 companies in sector 46450 we hold annual accounts for 453. 223 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 (pre-2019)
Founded03-11-2014
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
46450Wholesale of perfume and cosmetics
49410Freight transport by road
46712Wholesale trade
47812Retail trade
95312Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
95316Washing and cleaning of motor vehicles
46180Agents specialised in the wholesale of other particular products
46730Wholesale trade
47210Retail sale of fruit and vegetables
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47830Retail sale of motorcycles and motorcycle parts and accessories
49310Scheduled passenger transport by road
49320Non-scheduled passenger transport by road
Contact
E-mail
benamorrania1@hotmail.com
Phone
0485714618
E-invoicing
Reachable via Peppol
Peppol ID
0208:0567530865
Also
9925:BE0567530865
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.