BENATMANE
ActiveSummary
The computed 12-month bankruptcy probability of BENATMANE is 3.2% (moderate). The annual accounts of BENATMANE for fiscal year 2025 show a net loss of 56% of total assets and of 82% of the equity at the start of that year. The 2025 annual accounts show equity of €4,523 and a net result of -€20,133. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 16% of 28281 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-91
Solvency38▼-22
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
3.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.99 against 1.44 in 2024; short-term debt: 65.2% and cash: 30.5% of total assets), and 87.5% of the assets are financed with debt.
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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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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 2025Solvency, return and age of the figures
Solvency
12.5%
Return on assets
-55.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 28281 sector peers (2025).
NBB · sector comparisonPosition among 28281 sector peers
Solvency
better than 16%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-07-2026, 25 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
25 d early
2024
3 d early
2023
on the day
2022
25 d late
2021
60 d late
2020
67 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 21 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
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 1 August (4 of the last 5 filed years within 30 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, micro schema
Equity
€4,523▼ 81.7%
2024 · €24,656
Total assets
€36,078▼ 49.5%
2024 · €71,416
Net result
-€20,133
2024 · €12,959
Working capital
-€196
2024 · €12,980
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, 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
Line20212022202320242025
Operating result-€592€12,821-€292€18,406-€19,186
Net result-€1,083below the sector's middle half€9,203within the sector's middle half-€2,128below the sector's middle half€12,959within the sector's middle half-€20,133below the sector's middle half
Equity€4,622below the sector's middle half▼ 19.0%€13,825below the sector's middle half▲ 199%€11,697below the sector's middle half▼ 15.4%€24,656within the sector's middle half▲ 111%€4,523below the sector's middle half▼ 81.7%
Total assets€18,927below the sector's middle half▲ 22.3%€48,869below the sector's middle half▲ 158%€65,368below the sector's middle half▲ 33.8%€71,416within the sector's middle half▲ 9.3%€36,078below the sector's middle half▼ 49.5%
Debt€14,305▲ 46.5%€35,044▲ 145%€53,671▲ 53.2%€46,760▼ 12.9%€31,555▼ 32.5%
Working capital-€275below the sector's middle half€1,997below the sector's middle half-€3,179below the sector's middle half€12,980within the sector's middle half-€196below the sector's middle half
Solvency24.4%within the sector's middle half▼ 12.5pp28.3%within the sector's middle half▲ 3.9pp17.9%below the sector's middle half▼ 10.4pp34.5%within the sector's middle half▲ 16.6pp12.5%below the sector's middle half▼ 22.0pp
Current ratio0.98below the sector's middle half▼ 0.201.13within the sector's middle half▲ 0.150.88below the sector's middle half▼ 0.251.44within the sector's middle half▲ 0.560.99below the sector's middle half▼ 0.45
Return on assets (ROA)-5.7%below the sector's middle half▼ 29.7pp18.8%above the sector's middle half▲ 24.6pp-3.3%below the sector's middle half▼ 22.1pp18.1%above the sector's middle half▲ 21.4pp-55.8%below the sector's middle half▼ 73.9pp
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €19,186 after €18,406 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €36,078
Fixed assets
€12,740 ▼ 55.8%
Current assets
€23,338 ▼ 45.2%
Equity and liabilities €36,078
Equity
€4,523 ▼ 81.7%
Debt
€31,555 ▼ 32.5%
Debt's share of the balance-sheet total rises from 65.5% to 87.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€3,227▼
2024 · €34,527
Cash flow
-€4,174▼
2024 · €29,080
Debt to equity
6.98▲
2024 · 1.90
ROE
-445.1%▼
2024 · 52.6%
Interest coverage
-3.41▼
2024 · 24.66
Debt ≤ 1 year
€23,534▼
2024 · €29,581
Debt > 1 year
€7,604▼
2024 · €17,179
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,133 companies that looked in July 2024 the way this one looks now, 6.4% went bankrupt within 24 months and 86% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a loss of 10% of the balance sheet or more
6.4%
went bankrupt
6.6%
stopped otherwise
86%
still going
A further 0.5% 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 1,133 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,132 | €4,115 | €11,555 | €16,121 | €15,959 | ▼ 1.0% |
| Other operating charges640/8 | €149 | €157 | €425 | €362 | €388 | ▲ 7.2% |
| Non-recurring operating charges66A | - | - | €1,319 | - | €1,183 | - |
| Gross operating margin9900 | €689 | €17,093 | €13,007 | €34,889 | -€1,656 | ▼ 105% |
| Operating profit (loss)9901 | -€592 | €12,821 | -€292 | €18,406 | -€19,186 | ▼ 204% |
| Financial charges65/66B | €66 | €359 | €1,028 | €1,400 | €947 | ▼ 32.4% |
| Recurring financial charges65 | €66 | €359 | €1,028 | €1,400 | €947 | ▼ 32.4% |
| Profit (loss) for the period before taxes9903 | -€658 | €12,462 | -€1,320 | €17,006 | -€20,133 | ▼ 218% |
| Income taxes67/77 | €425 | €3,259 | €808 | €4,047 | - | - |
| Profit (loss) for the period9904 | -€1,083 | €9,203 | -€2,128 | €12,959 | -€20,133 | ▼ 255% |
| Profit (loss) for the period to be appropriated9905 | -€1,083 | €9,203 | -€2,128 | €12,959 | -€20,133 | ▼ 255% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €18,927 | €48,869 | €65,368 | €71,416 | €36,078 | ▼ 49.5% |
| Fixed assets21/28 | €4,897 | €31,408 | €43,107 | €28,855 | €12,740 | ▼ 55.8% |
| Tangible fixed assets22/27 | €4,897 | €31,408 | €43,107 | €28,855 | €12,740 | ▼ 55.8% |
| Furniture and vehicles24 | €4,897 | €31,408 | €43,107 | €28,855 | €12,740 | ▼ 55.8% |
| Current assets29/58 | €14,030 | €17,461 | €22,261 | €42,561 | €23,338 | ▼ 45.2% |
| Stocks and contracts in progress3 | - | - | €550 | - | - | - |
| Stocks30/36 | - | - | €550 | - | - | - |
| Amounts receivable within one year40/41 | €9,227 | €9,810 | €13,153 | €34,836 | €9,997 | ▼ 71.3% |
| Trade receivables40 | €5,168 | €6,199 | €4,210 | €27,869 | €3,564 | ▼ 87.2% |
| Other amounts receivable41 | €4,059 | €3,611 | €8,943 | €6,967 | €6,433 | ▼ 7.7% |
| Cash at bank and in hand54/58 | €4,088 | €6,299 | €7,072 | €6,058 | €11,004 | ▲ 81.6% |
| Deferred charges and accrued income490/1 | €715 | €1,352 | €1,486 | €1,667 | €2,337 | ▲ 40.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €18,927 | €48,869 | €65,368 | €71,416 | €36,078 | ▼ 49.5% |
| Equity10/15 | €4,622 | €13,825 | €11,697 | €24,656 | €4,523 | ▼ 81.7% |
| Contributions10/11 | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Reserves13 | €2,622 | €11,825 | €9,697 | €22,656 | €2,523 | ▼ 88.9% |
| Distributable reserves133 | €2,622 | €11,825 | €9,697 | €22,656 | €2,523 | ▼ 88.9% |
| Amounts payable17/49 | €14,305 | €35,044 | €53,671 | €46,760 | €31,555 | ▼ 32.5% |
| Amounts payable after more than one year17 | - | €19,580 | €28,231 | €17,179 | €7,604 | ▼ 55.7% |
| Financial debts170/4 | - | €19,580 | €28,231 | €17,179 | €7,604 | ▼ 55.7% |
| Amounts payable within one year42/48 | €14,305 | €15,464 | €25,440 | €29,581 | €23,534 | ▼ 20.4% |
| Current portion of amounts payable after more than one year42 | - | €6,759 | €10,688 | €11,052 | €9,575 | ▼ 13.4% |
| Trade debts44 | €6,929 | €2,305 | €5,435 | €15,319 | €5,630 | ▼ 63.2% |
| Suppliers440/4 | €6,929 | €2,305 | €5,435 | €15,319 | €5,630 | ▼ 63.2% |
| Taxes, remuneration and social security45 | €2,398 | €6,400 | €9,317 | €2,853 | €1,355 | ▼ 52.5% |
| Taxes450/3 | €2,398 | €6,400 | €7,567 | €1,787 | €1,355 | ▼ 24.2% |
| Remuneration and social security454/9 | - | - | €1,750 | €1,066 | - | - |
| Other amounts payable47/48 | €4,978 | - | - | €357 | €6,974 | ▲ 1,854% |
| Accrued charges and deferred income492/3 | - | - | - | - | €417 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€1,083 | €9,203 | -€2,128 | €12,959 | -€20,133 | ▼ 255% |
| + Depreciation and write-downs630 | €1,132 | €4,115 | €11,555 | €16,121 | €15,959 | ▼ 1.0% |
| Operating cash flow (approximation) | €49 | €13,318 | €9,427 | €29,080 | -€4,174 | ▼ 114% |
| Investment in fixed assets (approximation) | - | -€30,626 | -€23,254 | -€1,869 | €156 | ▲ 108% |
| Change in cash | - | €2,211 | €773 | -€1,014 | €4,946 | ▲ 588% |
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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet -€20,133
Net result drops to -€20,133, the lowest in the series.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €12,959
Net result €12,959 after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-12
Financial
Back to profitnet €9,203
Net result €9,203 after one loss-making year.
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
2021
06-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 67 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Wanze · 1 establishment unit since 2020
Ground area
1,228 m²
Building footprint
92 m²
Volume, LiDAR
535 m³
Parcel 61030E0071/00L000, Wallonia · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BENATMANE
since 20202.305.591.713
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61030E0071/00L000 | Wallonia | 1,228 m² | 1 · 92 m² | 7.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 7,868 companies in sector 43341 we hold annual accounts for 2,665. 1,076 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
Founded31-07-2020
Fiscal year end31-12
Activities, NACEBEL 2025
43341Painting of buildings
43333Wallpapering and laying of floor and wall coverings in other materials
47526Retail trade
70200Business and other management consultancy
74130Interior design
82100Office administrative and support services
Contact
E-mail
info@benatmane.be
Phone
+32470228598
E-invoicing
Reachable via Peppol
Peppol ID
0208:0751699718
Also
9925:BE0751699718
Registered
24-07-2025
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.