BENCOFIN
ActiveSummary
BENCOFIN is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (-€2,783) and a net result of -€7,783. Its solvency ranks better than 9% of 2464 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 2464 sector peers (2025).
NBB · sector comparisonPosition among 2464 sector peers
Solvency
better than 9%
← weakest
strongest →
raises risk · Young company
Founded in 2024, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
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 27-08-2026, 27 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 · 1 filingDeviation from the deadline
2025
27 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
History
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Financials · fiscal year 2025, micro schema
Equity
-€2,783
Net result
-€7,783
Total assets
€270,948
Solvency
-1.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €270,948
Fixed assets
€238,159
Current assets
€32,789
Key figures and ratios
ROA
-2.9%
Debt
€273,731
Debt ≤ 1 year
€55,723
Debt > 1 year
€218,008
Income taxes
€2,815
Staff costs
€132,603
Annual accounts
| Line | 2025 |
|---|---|
| Remuneration, social security and pensions62 | €132,603 |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €41,000 |
| Other operating charges640/8 | €4,921 |
| Gross operating margin9900 | €184,571 |
| Operating profit (loss)9901 | €6,047 |
| Financial income75/76B | €683 |
| Recurring financial income75 | €683 |
| Financial charges65/66B | €11,698 |
| Recurring financial charges65 | €11,698 |
| Profit (loss) for the period before taxes9903 | -€4,968 |
| Income taxes67/77 | €2,815 |
| Profit (loss) for the period9904 | -€7,783 |
| Profit (loss) for the period to be appropriated9905 | -€7,783 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €270,948 | |
| Fixed assets21/28 | €238,159 | |
| Intangible fixed assets21 | €198,678 | |
| Tangible fixed assets22/27 | €39,481 | |
| Plant, machinery and equipment23 | €2,506 | |
| Furniture and vehicles24 | €36,975 | |
| Current assets29/58 | €32,789 | |
| Amounts receivable within one year40/41 | €12,905 | |
| Other amounts receivable41 | €12,905 | |
| Cash at bank and in hand54/58 | €13,000 | |
| Deferred charges and accrued income490/1 | €6,885 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €270,948 | |
| Equity10/15 | -€2,783 | |
| Contributions10/11 | €5,000 | |
| Profit (loss) carried forward14 | -€7,783 | |
| Amounts payable17/49 | €273,731 | |
| Amounts payable after more than one year17 | €218,008 | |
| Financial debts170/4 | €218,008 | |
| Amounts payable within one year42/48 | €55,723 | |
| Current portion of amounts payable after more than one year42 | €31,675 | |
| Trade debts44 | €6,067 | |
| Suppliers440/4 | €6,067 | |
| Taxes, remuneration and social security45 | €17,981 | |
| Taxes450/3 | €2,815 | |
| Remuneration and social security454/9 | €15,166 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | -€7,783 |
| + Depreciation and write-downs630 | €41,000 |
| Operating cash flow (approximation) | €33,217 |
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
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
NBB filing
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, Estinnes · 1 establishment unit since 2024
Ground area
534 m²
Building footprint
52 m²
Volume, LiDAR
334 m³
Parcel 56023B0363/00C000, Wallonia · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BENCOFIN
since 20242.361.889.820
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56023B0363/00C000 | Wallonia | 533 m² | 1 · 52 m² | 7.3 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.
Similar companies · same sector and region
ECOFIN MANAGING
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ADVICE 4 BUSINESS
BE 0751.675.665
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AGENCE DES COLLINES
BE 0685.503.651
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 1,682 companies in sector 66191 we hold annual accounts for 1,230. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded17-05-2024
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
Contact
E-mail
benjamin.porre@agent.beobank.be
Phone
+32479609512
E-invoicing
Reachable via Peppol
Peppol ID
0208:1009458412
Registered
10-04-2026
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.