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BENCOMAT

Active
Private limited company (pre-2019)founded 2010active for 15 yearsPolder 4, 2840 Rumst, BelgiumKBO/BCE: BE 0830.742.939
Summary

The computed 12-month bankruptcy probability of BENCOMAT is 1.6% (moderate). The 2025 annual accounts show equity of €151,022 and a net result of €57,146. Equity is growing by about 9% per year across the filed financial years. Its solvency ranks better than 26% of 9,122 sector peers (NACE 41, financial year 2025). The company has been active since 2010 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
General construction of other non-residential buildings
NACE 41003
1 site
Size
€757,959total assets 2025
Equity
€151,022
Profit
€57,146
Turnover not published (abbreviated or micro format)
Financial health
55 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.6%
Structure
Accounts filed 51 days late0 of 3 deeds read
Why 55raises riskLatest accounts 52 days late; 2 of the last 3 late1 change of registered office in 24 monthsSector: Construction of residential and non-residential buildings (NACE 41)lowers riskSize: total assets €757,959Show the evidence

Checked score

Score 2025
55 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 46% of its sector peers (NACE 41, micro)
Financial strength · tick = 2024
Average
Solvency 45-7
equity 19.9% of total assets
Liquidity 21+1
short-term debt 72.7% · cash 8.1%
Profitability 78+62
return on assets 7.5%
Bankruptcy probability, 12 months
1.6% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,385 companies, NACE 41, micro)
Last 24 months 11-2024: 8.8%highest value 12-2024: 8.8%● unchanged vs 11-2024highest value 01-2025: 3.6%▼ -5.2 percentage points vs 12-2024 02-2025: 1.2%▼ -2.4 percentage points vs 01-2025lowest value 03-2025: 1.2%● unchanged vs 02-2025lowest value 04-2025: 1.2%● unchanged vs 03-2025lowest value 05-2025: 2.2%▲ +1.0 percentage point vs 04-2025 06-2025: 2.2%● unchanged vs 05-2025 07-2025: 2.2%● unchanged vs 06-2025 08-2025: 2.2%● unchanged vs 07-2025 09-2025: 2.1%▼ -0.1 percentage points vs 08-2025 10-2025: 2.4%▲ +0.3 percentage points vs 09-2025 11-2025: 2.8%▲ +0.4 percentage points vs 10-2025 12-2025: 2.7%▼ -0.1 percentage points vs 11-2025 01-2026: 2.7%● unchanged vs 12-2025 02-2026: 3.5%▲ +0.8 percentage points vs 01-2026 03-2026: 4.3%▲ +0.8 percentage points vs 02-2026 04-2026: 1.6%▼ -2.7 percentage points vs 03-2026 05-2026: 1.6%● unchanged vs 04-2026 06-2026: 1.5%▼ -0.1 percentage points vs 05-2026 07-2026: 1.5%● unchanged vs 06-2026 08-2026: 1.6%▲ +0.1 percentage points vs 07-2026 09-2026: 1.6%● unchanged vs 08-2026 10-2026: 1.6%● unchanged vs 09-2026
Credit of up to €8,000 on 30-day terms is acceptable
Liquidity tight (current ratio 1.21, compared with 1.27 in 2024; short-term debt: 72.7% and cash: 8.1% of total assets), and 80.1% of the assets are financed with debt.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro): better than 27% on solvency, 17% on liquidity, 58% on profitability and 82% on growth.

The bankruptcy probability was computed on 09-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
−lowers risk+raises risk○neutral
raises risk · Latest accounts 52 days late; 2 of the last 3 late
NBB · filings
raises risk · 1 change of registered office in 24 months
Belgian Official Gazette
raises risk · Sector: Construction of residential and non-residential buildings (NACE 41)
KBO
lowers risk · Size: total assets €757,959
The company's size counts in the probability; how much depends on the rest of its profile.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 23-03-2026, 51 days later. For context: 47% of Belgian companies file late, and of those that file 1 to 90 days late, 2.0% are now in a legal situation other than normal in the KBO (such as bankruptcy, liquidation or dissolution), against 1.66% of all filers. We show this as a fact and do not score it.
NBB · 10 filings
Deviation from the deadline
2025
51 days late
2024
16 days early
2023
323 days late
2020
26 days late
2019
on the day
2018
20 days late
2017
19 days 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 60 days after the deadline; the sector median (NACE 41) for financial year 2024 is on the deadline day, and 46% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 26 February (4 of the last 5 filed years within 42 days of that day).
Companies Code · seven months
Where today falls in the filing period
30-06-2026 year end10-10-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Back to profitnet €57,146
  3. Equity above €150,000equity €151,022 ▲60.9%

Key points

  • Positive: Back in profit in 2025after -€7,080 in 2024 €57,146 View
  • Positive: Among the best 10% on net resultsector median €8,458 · 9,116 companies €57,146 View
  • Total assets 20255 financial years filed €757,959 View

By topic

Financials

Financial year
2025
Total assets
€757,959
Profit
€57,146
Solvency
19.9%
Total assets▲ 116%
Net result
20192025
Go to Financials

Timeline

Events
17
Since
2013
Next accounts
by 31-01-2027
  1. 15-01-2025Annual accounts filed
  2. 19-12-2024Annual accounts filed
  3. 30-06-2023Back to profit
Go to Timeline

Company details

Sites
1
Legal form
Private limited company (pre-2019)
Activity
General construction of other non-residential buildingsNACE 41003
Founded
28-10-2010
Year ends
30-06
Peppol
Reachable for e-invoices
Go to Company details

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