BENAUTO
ActiveSummary
BENAUTO has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €736,602 and a net result of €38,656. Equity is growing by ~16.5% per year across the filed fiscal years. Its solvency ranks better than 88% of 10429 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability74=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55,000 at 30 days acceptable
Liquidity short (current ratio 0.36 against 0.22 in 2024; short-term debt: 6.8% and cash: 0.2% of total assets), and 20.6% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
79.4%
Return on assets
4.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
21 d early
2023
20 d late
2022
22 d late
2021
94 d late
2020
459 d late
2019
824 d late
← 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 204 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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.
Companies Code · seven monthsPosition in the running window
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€736,602▲ 5.5%
2024 · €697,946
Total assets
€928,274▼ 0.8%
2024 · €935,990
Net result
€38,656▼ 1.1%
2024 · €39,066
Working capital
-€40,253▲ 33.6%
2024 · -€60,666
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€5,230▲ 92.4%€47,673€45,868▼ 3.8%€49,632▲ 8.2%€52,414▲ 5.6%
Net result-€21,122▲ 74.1%€32,930€31,023▼ 5.8%€39,066▲ 25.9%€38,656▼ 1.1%
Equity€294,926▼ 6.7%€327,856▲ 11.2%€658,880▲ 101%€697,946▲ 5.9%€736,602▲ 5.5%
Total assets€844,879▼ 11.7%€834,138▼ 1.3%€944,587▲ 13.2%€935,990▼ 0.9%€928,274▼ 0.8%
Debt€549,953▼ 14.2%€506,281▼ 7.9%€285,707▼ 43.6%€238,044▼ 16.7%€191,672▼ 19.5%
Working capital-€252,495▼ 1.2%-€235,175▲ 6.9%-€85,093▲ 63.8%-€60,666▲ 28.7%-€40,253▲ 33.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 6% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €928,274
Fixed assets
€905,855 ▼ 1.4%
Current assets
€22,419 ▲ 30.1%
Equity and liabilities €928,274
Equity
€736,602 ▲ 5.5%
Debt
€191,672 ▼ 19.5%
Debt's share of the balance-sheet total falls from 25.4% to 20.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€65,316▼
2024 · €68,187
Cash flow
€51,557▼
2024 · €57,621
Current ratio
0.36▲
2024 · 0.22
Debt to equity
0.26▼
2024 · 0.34
ROE
5.2%▼
2024 · 5.6%
ROA
4.2%▼
2024 · 4.2%
Interest coverage
46.27▲
2024 · 33.01
Debt ≤ 1 year
€62,672▼
2024 · €77,900
Debt > 1 year
€129,000▼
2024 · €160,145
Income taxes
€13,228▲
2024 · €8,500
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €39 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €49,073 | €16,791 | €22,489 | €18,555 | €12,902 | ▼ 30.5% |
| Other operating charges640/8 | €7,930 | €9,763 | €9,461 | €10,229 | €10,577 | ▲ 3.4% |
| Gross operating margin9900 | €51,773 | €74,265 | €77,819 | €78,415 | €75,893 | ▼ 3.2% |
| Operating profit (loss)9901 | -€5,230 | €47,673 | €45,868 | €49,632 | €52,414 | ▲ 5.6% |
| Financial income75/76B | €19,718 | €6 | - | - | €881 | - |
| Recurring financial income75 | €19,718 | €6 | - | - | €881 | - |
| Financial charges65/66B | €17,542 | €8,179 | €14,845 | €2,066 | €1,412 | ▼ 31.7% |
| Recurring financial charges65 | €17,542 | €8,179 | €14,845 | €2,066 | €1,412 | ▼ 31.7% |
| Profit (loss) for the period before taxes9903 | -€3,054 | €39,501 | €31,023 | €47,566 | €51,884 | ▲ 9.1% |
| Income taxes67/77 | €18,068 | €6,570 | - | €8,500 | €13,228 | ▲ 55.6% |
| Profit (loss) for the period9904 | -€21,122 | €32,930 | €31,023 | €39,066 | €38,656 | ▼ 1.1% |
| Profit (loss) for the period to be appropriated9905 | -€21,122 | €32,930 | €31,023 | €39,066 | €38,656 | ▼ 1.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €844,879 | €834,138 | €944,587 | €935,990 | €928,274 | ▼ 0.8% |
| Formation expenses20 | - | - | €0 | €0 | €0 | - |
| Fixed assets21/28 | €675,776 | €659,767 | €937,311 | €918,756 | €905,855 | ▼ 1.4% |
| Intangible fixed assets21 | - | - | €0 | €0 | €0 | - |
| Tangible fixed assets22/27 | €675,319 | €659,311 | €936,855 | €918,300 | €905,399 | ▼ 1.4% |
| Land and buildings22 | €673,880 | €658,070 | €936,626 | €918,300 | €905,399 | ▼ 1.4% |
| Plant, machinery and equipment23 | €1,439 | €719 | €0 | €0 | €0 | - |
| Furniture and vehicles24 | - | €521 | €230 | €0 | €0 | - |
| Other tangible fixed assets26 | - | - | €0 | €0 | €0 | - |
| Financial fixed assets28 | €456 | €456 | €456 | €456 | €456 | = |
| Current assets29/58 | €169,103 | €174,371 | €7,275 | €17,234 | €22,419 | ▲ 30.1% |
| Stocks and contracts in progress3 | €58,657 | €58,657 | - | - | - | - |
| Stocks30/36 | €58,657 | €58,657 | - | - | - | - |
| Amounts receivable within one year40/41 | €109,747 | €113,648 | €6,000 | €14,257 | €20,668 | ▲ 45.0% |
| Trade receivables40 | €109,747 | €113,648 | €6,000 | €13,498 | €20,368 | ▲ 50.9% |
| Other amounts receivable41 | - | - | - | €759 | €300 | ▼ 60.4% |
| Cash at bank and in hand54/58 | €700 | €2,067 | €1,275 | €2,976 | €1,751 | ▼ 41.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €844,879 | €834,138 | €944,587 | €935,990 | €928,274 | ▼ 0.8% |
| Equity10/15 | €294,926 | €327,856 | €658,880 | €697,946 | €736,602 | ▲ 5.5% |
| Contributions10/11 | €61,527 | €61,527 | €61,527 | €61,527 | €61,527 | = |
| Capital10 | €61,527 | €61,527 | - | - | - | - |
| Issued capital100 | €61,527 | €61,527 | - | - | - | - |
| Revaluation surpluses12 | €292,888 | €292,888 | €592,888 | €592,888 | €592,888 | = |
| Reserves13 | €387,598 | €387,598 | €387,598 | €387,598 | €387,598 | = |
| Non-distributable reserves130/1 | €892 | €892 | - | - | - | - |
| Legal reserve130 | €892 | €892 | - | - | - | - |
| Distributable reserves133 | €386,706 | €386,706 | €387,598 | €387,598 | €387,598 | = |
| Profit (loss) carried forward14 | -€447,088 | -€414,157 | -€383,134 | -€344,068 | -€305,412 | ▲ 11.2% |
| Amounts payable17/49 | €549,953 | €506,281 | €285,707 | €238,044 | €191,672 | ▼ 19.5% |
| Amounts payable after more than one year17 | €128,355 | €96,735 | €193,338 | €160,145 | €129,000 | ▼ 19.4% |
| Financial debts170/4 | €128,355 | €96,735 | €193,338 | €160,145 | €129,000 | ▼ 19.4% |
| Amounts payable within one year42/48 | €421,598 | €409,546 | €92,368 | €77,900 | €62,672 | ▼ 19.5% |
| Current portion of amounts payable after more than one year42 | €210,860 | €211,619 | €32,397 | €33,194 | €31,741 | ▼ 4.4% |
| Trade debts44 | €6,379 | €5,143 | €5,290 | €4,445 | €940 | ▼ 78.8% |
| Suppliers440/4 | €6,379 | €5,143 | €5,290 | €4,445 | €940 | ▼ 78.8% |
| Taxes, remuneration and social security45 | €2,342 | €2,674 | €1,482 | €7,300 | €14,179 | ▲ 94.2% |
| Taxes450/3 | €2,342 | €2,674 | €1,482 | €7,300 | €14,179 | ▲ 94.2% |
| Other amounts payable47/48 | €202,017 | €190,110 | €53,199 | €32,961 | €15,812 | ▼ 52.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€21,122 | €32,930 | €31,023 | €39,066 | €38,656 | ▼ 1.1% |
| + Depreciation and write-downs630 | €49,073 | €16,791 | €22,489 | €18,555 | €12,902 | ▼ 30.5% |
| Operating cash flow (approximation) | €27,952 | €49,721 | €53,513 | €57,621 | €51,557 | ▼ 10.5% |
| Investment in fixed assets (approximation) | - | -€782 | -€300,034 | €0 | €0 | - |
| Change in cash | - | €1,367 | -€792 | €1,701 | -€1,226 | ▼ 172% |
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €39,066 ▲25.9%
Net result €39,066, the highest in the series.
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 20 days late
2023
31-12
Financial
Equity above €500,000Eq €658,880 ▲101%
2 profitable years in a row build equity to €658,880.
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 22 days late
2022
31-12
Financial
Back to profitnet €32,930
Net result €32,930 after 2 loss-making years.
02-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 94 days late
02-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 459 days late
02-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 824 days late
2021
15-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 807 days late
2020
31-12
Financial
Weakest financial yearnet -€81,682
Net result drops to -€81,682, the lowest in the series; recovery starts the following year.
08-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 708 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Heist-op-den-Berg · 1 establishment unit since 1990
Ground area
5,680 m²
Building footprint
1,282 m²
Volume, LiDAR
6,796 m³
2 parcels, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
BENAUTO NV
since 19902.047.539.247
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12014K0777/00K000 | Flanders | 3,712 m² | 1 · 1,053 m² | 7.7 m · 2 fl. |
| 12014K0788/00N000 | Flanders | 1,969 m² | 1 · 230 m² | 10.0 m · 2 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.
Similar companies · same sector, comparable size
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YUKSEL
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AUTOBEDRIJF JOOST
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Of 10,665 companies in sector 47811 we hold annual accounts for 5,220. 3,205 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
Founded07-02-1990
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
68203Renting and operating of own or leased non-residential real estate, excluding land
Scores and ratios are computed by Checked and are not a credit decision.