BENCE MORTIER

Active

Private limited companyfounded 20232 yrs activeSint-Jakobsstraat 11, 8000 Brugge, BelgiumKBO/BCE: BE 1003.284.757

BENCE MORTIER has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €41k and a net result of €18k. Its solvency ranks better than 50% of 2503 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).

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Checked score

Score 2025

56 / 100

Fair▲ +13 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency55▲+38

Growth52

Stability82

Bankruptcy probability, 12 months

1.0% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €3k at 30 days acceptable

Liquidity short (current ratio 0.8 against 0.63 in 2024), and 61.5% of the assets are financed with debt.

How do we compute the score and the probability?

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

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 95

Relative position

BE, all sectors

reference

Sector 95

lower

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

38.5%

Return on assets

16.9%

Age of the figures

8 mo

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-08-2026, 23 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 · 2 filings

Deviation from the deadline

2025

23 d late

2024

27 d late

← before the deadline after the deadline →

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 months

Position in the running window

12-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€41k▲ 78.0%

2024 · €23k

2024: €23k

2024 → 2025

Total assets

€108k▼ 6.4%

2024 · €115k

2024: €115k

2024 → 2025

Net result

€18k▼ 0.7%

2024 · €18k

2024: €18k

2024 → 2025

Working capital

€-13k▲ 60.2%

2024 · €-32k

2024: €-32k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€23k-€41k▲ 78.0%

Operating result€26k-€27k▲ 2.0%

Net result€18k-€18k▼ 0.7%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result rises in 2025; 2025 is 2% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €108k

51.6%

48.4%

Fixed assets €56k▼ 8.3%

Current assets €52k▼ 4.2%

Equity and liabilities €108k

38.5%

61.5%

Equity €41k▲ 78.0%

Debt €66k▼ 27.8%

The debt ratio falls from 79.7% to 61.5%: equity grows while debt is paid down.

Key figures and ratios

2025 value · change against 2024

EBITDA

€42k▲

2024 · €37k

Cash flow

€33k▲

2024 · €29k

Solvency

38.5%▲

2024 · 20.3%

Current ratio

0.80▲

2024 · 0.63

Quick ratio

0.46▲

2024 · 0.34

Debt / equity

1.59▼

2024 · 3.93

ROE

43.8%▼

2024 · 78.5%

ROA

16.9%▲

2024 · 15.9%

Interest coverage

23.99▲

2024 · 23.10

Debt

€66k▼

2024 · €92k

Debt ≤ 1 year

€65k▼

2024 · €87k

Debt > 1 year

€1k▼

2024 · €5k

Income taxes

€7k▲

2024 · €7k

Staff costs

€43k▼

2024 · €44k

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€115k€108k▼

Fixed assets21/28€61k€56k▼

Intangible fixed assets21€15k€13k▼

Tangible fixed assets22/27€45k€43k▼

Plant, machinery and equipment23€41k€40k▼

Furniture and vehicles24€4k€3k▼

Financial fixed assets28€195€195=

Current assets29/58€54k€52k▼

Stocks and contracts in progress3€25k€22k▼

Stocks30/36€25k€22k▼

Amounts receivable within one year40/41€514€5k▲

Trade receivables40€25€4k▲

Other amounts receivable41€489€467▼

Cash at bank and in hand54/58€26k€22k▼

Deferred charges and accrued income490/1€3k€3k▲

Equity and liabilities

Total equity and liabilities10/49€115k€108k▼

Equity10/15€23k€41k▲

Contributions10/11€5k€5k=

Reserves13€18k€36k▲

Distributable reserves133€18k€36k▲

Amounts payable17/49€92k€66k▼

Amounts payable after more than one year17€5k€1k▼

Financial debts170/4€5k€1k▼

Amounts payable within one year42/48€87k€65k▼

Current portion of amounts payable after more than one year42€3k€4k▲

Trade debts44€7k€13k▲

Suppliers440/4€7k€13k▲

Taxes, remuneration and social security45€19k€17k▼

Taxes450/3€12k€12k▼

Remuneration and social security454/9€7k€5k▼

Other amounts payable47/48€57k€32k▼

Accrued charges and deferred income492/3€158€0▼

Income statement Code20242025

Remuneration, social security and pensions62€44k€43k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€15k▲

Other operating charges640/8€643€690▲

Gross operating margin9900€83k€86k▲

Operating profit (loss)9901€26k€27k▲

Financial income75/76B€440€393▼

Recurring financial income75€440€393▼

Financial charges65/66B€2k€2k▲

Recurring financial charges65€2k€2k▲

Profit (loss) for the period before taxes9903€25k€26k▲

Income taxes67/77€7k€7k▲

Profit (loss) for the period9904€18k€18k▼

Profit (loss) for the period to be appropriated9905€18k€18k▼

Appropriation of the result

Profit (loss) to be appropriated9906€18k€18k▼

Transfer to equity691/2€18k€18k▼

To other reserves6921€18k€18k▼

The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 2Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

23-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 23 days late

2025

27-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 27 days late

NBB filing

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, Brugge · 1 establishment unit since 2023

establishment The establishment unit on the map

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.

Sint-Jakobsstraat 118000 Brugge

Ground area

131 m²

Building footprint

122 m²

Volume, LiDAR

1,178 m³

Parcel 31804D0379/00G000, Flanders · tallest building 17.0 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

BENCE MORTIER

Sint-Jakobsstraat 11, 8000 BruggeManufacture of fabricated metal products, except machinery and equipment

since 20232.352.876.936

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
31804D0379/00G000	Flanders	131 m²	1 · 122 m²	17.0 m · 3 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.

Similar companies · same sector, comparable size

Sint-Truiden · Eq €34k

Aux clés d'or

BE 0837.242.434

Sint-Jans-Molenbeek · Eq €34k

Of 425 companies in sector 95230 we hold annual accounts for 65. 54 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded12-12-2023

Fiscal year end31-12

Activities, NACEBEL

95230Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles

95290Repair and maintenance of other personal and household goods

25620Manufacture of fabricated metal products, except machinery and equipment

47721Retail sale of footwear

47722Retail trade

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.