BENDOAR
ActiveSummary
BENDOAR has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3,347 and a net result of €3,633. Equity is shrinking by ~14.1% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 45% of 7833 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency70▲+16
Growth32=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
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Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-09-2026, 53 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
53 d late
2024
20 d late
2023
22 d late
2022
36 d early
2021
3 d early
2020
2 d late
2019
3 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 9 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% 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 23 August (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€3,347▲ 23.3%
2024 · €2,714
Total assets
€7,482▼ 19.0%
2024 · €9,239
Net result
€3,633▲ 20.5%
2024 · €3,015
Working capital
€927▲ 215%
2024 · €294
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support 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€4,244▲ 69.9%€983▼ 76.8%€7,456▲ 659%€5,482▼ 26.5%€4,440▼ 19.0%
Net result€3,770within the sector's middle half▲ 60.4%€625within the sector's middle half▼ 83.4%€8,476within the sector's middle half▲ 1,255%€3,015within the sector's middle half▼ 64.4%€3,633within the sector's middle half▲ 20.5%
Equity€19,279within the sector's middle half▲ 66.1%€19,347within the sector's middle half▲ 0.3%€3,400below the sector's middle half▼ 82.4%€2,714below the sector's middle half▼ 20.2%€3,347below the sector's middle half▲ 23.3%
Total assets€25,300below the sector's middle half▲ 15.5%€23,556below the sector's middle half▼ 6.9%€11,285below the sector's middle half▼ 52.1%€9,239below the sector's middle half▼ 18.1%€7,482below the sector's middle half▼ 19.0%
Debt€6,021▼ 41.5%€4,210▼ 30.1%€7,885▲ 87.3%€6,524▼ 17.3%€4,135▼ 36.6%
Working capital€9,218within the sector's middle half▲ 41.0%€6,293within the sector's middle half▼ 31.7%-€1,020within the sector's middle half€294within the sector's middle half€927within the sector's middle half▲ 215%
Solvency76.2%above the sector's middle half▲ 23.2pp82.1%above the sector's middle half▲ 5.9pp30.1%within the sector's middle half▼ 52.0pp29.4%within the sector's middle half▼ 0.7pp44.7%within the sector's middle half▲ 15.4pp
Current ratio2.87within the sector's middle half▲ 0.782.49within the sector's middle half▼ 0.380.87below the sector's middle half▼ 1.621.05within the sector's middle half▲ 0.171.22within the sector's middle half▲ 0.18
Return on assets (ROA)14.9%within the sector's middle half▲ 4.2pp2.7%within the sector's middle half▼ 12.2pp75.1%above the sector's middle half▲ 72.4pp32.6%above the sector's middle half▼ 42.5pp48.6%above the sector's middle half▲ 15.9pp
above
within
below
the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support 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 has fallen two years in a row; 2025 is 19% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7,482
Fixed assets
€2,420 =
Current assets
€5,062 ▼ 25.8%
Equity and liabilities €7,482
Equity
€3,347 ▲ 23.3%
Debt
€4,135 ▼ 36.6%
Debt's share of the balance-sheet total falls from 70.6% to 55.3%. Equity is higher and debt is lower.
Key figures and ratios
Debt to equity
1.24▼
2024 · 2.40
ROE
108.5%▼
2024 · 111.1%
Debt ≤ 1 year
€4,135▼
2024 · €6,524
Income taxes
€749▼
2024 · €2,342
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,679 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
3.8%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 34,679 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 | €3,100 | €3,100 | - | - | - | - |
| Other operating charges640/8 | - | €959 | €804 | €658 | €673 | ▲ 2.2% |
| Gross operating margin9900 | €9,075 | €5,041 | €8,260 | €6,141 | €5,113 | ▼ 16.7% |
| Operating profit (loss)9901 | €4,244 | €983 | €7,456 | €5,482 | €4,440 | ▼ 19.0% |
| Financial income75/76B | - | €520 | €2,058 | €80 | €80 | ▲ 0.4% |
| Recurring financial income75 | €337 | €520 | €392 | €80 | €80 | ▲ 0.4% |
| Non-recurring financial income76B | - | - | €1,667 | - | - | - |
| Financial charges65/66B | - | €214 | €452 | €206 | €139 | ▼ 32.4% |
| Recurring financial charges65 | €617 | €214 | €452 | €206 | €139 | ▼ 32.4% |
| Profit (loss) for the period before taxes9903 | €3,964 | €1,289 | €9,062 | €5,356 | €4,382 | ▼ 18.2% |
| Income taxes67/77 | €193 | €664 | €586 | €2,342 | €749 | ▼ 68.0% |
| Profit (loss) for the period9904 | €3,770 | €625 | €8,476 | €3,015 | €3,633 | ▲ 20.5% |
| Profit (loss) for the period to be appropriated9905 | €3,770 | €625 | €8,476 | €3,015 | €3,633 | ▲ 20.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €25,300 | €23,556 | €11,285 | €9,239 | €7,482 | ▼ 19.0% |
| Fixed assets21/28 | €11,153 | €13,053 | €4,420 | €2,420 | €2,420 | = |
| Tangible fixed assets22/27 | €4,733 | €1,633 | - | - | - | - |
| Furniture and vehicles24 | - | €1,633 | - | - | - | - |
| Financial fixed assets28 | €6,420 | €11,420 | €4,420 | €2,420 | €2,420 | = |
| Current assets29/58 | €14,147 | €10,503 | €6,865 | €6,819 | €5,062 | ▼ 25.8% |
| Amounts receivable within one year40/41 | €8,663 | €10,453 | €4,880 | €4,242 | €4,423 | ▲ 4.3% |
| Trade receivables40 | - | €8,103 | €3,170 | €4,242 | €2,747 | ▼ 35.3% |
| Other amounts receivable41 | - | €2,350 | €1,710 | - | €1,677 | - |
| Cash at bank and in hand54/58 | €5,484 | €50 | €1,985 | €2,577 | €638 | ▼ 75.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €25,300 | €23,556 | €11,285 | €9,239 | €7,482 | ▼ 19.0% |
| Equity10/15 | €19,279 | €19,347 | €3,400 | €2,714 | €3,347 | ▲ 23.3% |
| Contributions10/11 | - | €18,600 | €600 | €600 | €600 | = |
| Reserves13 | - | - | €2,000 | €2,000 | €2,000 | = |
| Distributable reserves133 | - | - | €2,000 | €2,000 | €2,000 | = |
| Profit (loss) carried forward14 | €679 | €747 | €800 | €114 | €747 | ▲ 553% |
| Amounts payable17/49 | €6,021 | €4,210 | €7,885 | €6,524 | €4,135 | ▼ 36.6% |
| Amounts payable after more than one year17 | €1,092 | - | - | - | - | - |
| Amounts payable within one year42/48 | €4,929 | €4,210 | €7,885 | €6,524 | €4,135 | ▼ 36.6% |
| Current portion of amounts payable after more than one year42 | - | €1,092 | €1,187 | - | - | - |
| Trade debts44 | €471 | €1,382 | - | - | - | - |
| Suppliers440/4 | - | €1,382 | - | - | - | - |
| Taxes, remuneration and social security45 | - | €1,178 | €998 | €1,356 | €1,135 | ▼ 16.3% |
| Taxes450/3 | - | €1,178 | €998 | €1,356 | €1,135 | ▼ 16.3% |
| Other amounts payable47/48 | - | €558 | €5,700 | €5,168 | €3,000 | ▼ 42.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3,770 | €625 | €8,476 | €3,015 | €3,633 | ▲ 20.5% |
| + Depreciation and write-downs630 | €3,100 | €3,100 | - | - | - | - |
| Operating cash flow (approximation) | €6,870 | €3,725 | €8,476 | €3,015 | €3,633 | ▲ 20.5% |
| Investment in fixed assets (approximation) | - | -€5,000 | €8,633 | €2,000 | €0 | ▼ 100% |
| Change in cash | - | -€5,434 | €1,935 | €592 | -€1,939 | ▼ 428% |
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
22-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 53 days late
2025
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
31-12
Financial
Highest result since 2019net €8,476 ▲1,255%
Net result €8,476, the highest in the series.
2022
26-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Weakest financial yearnet €625 ▼83.4%
Net result drops to €625, the lowest in the series; recovery starts the following year.
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 2 days late
2020
03-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 3 days late
2019
28-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
06-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
22-03
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 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
6 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, Ledegem · 1 establishment unit since 2014
Ground area
530 m²
Building footprint
265 m²
Volume, LiDAR
1,367 m³
Parcel 36018B0301/00D000, Flanders · tallest building 10.9 m, ±1 floor. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Bendoar
since 20142.235.451.211
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36018B0301/00D000 | Flanders | 530 m² | 1 · 265 m² | 10.9 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 318 EUR awarded · 318 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 0 EUR | 90 EUR |
| 2024 | 1 | 90 EUR | 0 EUR |
| 2023 | 1 | 144 EUR | 144 EUR |
| 2022 | 1 | 84 EUR | 84 EUR |
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Of 11,218 companies in sector 82100 we hold annual accounts for 3,516. 1,058 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
Founded15-10-2014
Fiscal year end31-12
Activities, NACEBEL 2025
82100Office administrative and support services
58110Book publishing
Contact
E-mail
jovan_jopageri@hotmail.com
Phone
+32467074307
E-invoicing
Reachable via Peppol
Peppol ID
0208:0564713907
Also
9925:BE0564713907
Registered
15-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.