Bene&co
Bene&co is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2023 annual accounts show negative equity (€-38k) and a net result of €-45k. Equity is growing by ~42.1% per year across the filed fiscal years. Its solvency ranks better than 7% of 608 sector peers (fiscal year 2023). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €-38k |
| Net result | €-45k |
| Staff (FTE) | 0.8 |
| Better than sector | 7% |
Strong profile, led by profitability.
This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -17.4% | 38.1% | |
| Net result | €-45k | €23k | |
| Equity | €-38k | €51k | |
| Gross operating margin | €25k | €67k | |
| Staff costs | €33k | €70k |
| Fiscal year | 2023 |
|---|---|
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €-45k |
| Cash flow | n/a |
| Staff costs | €33k |
| Income taxes | - |
| Dividends | - |
| Total assets | €216k |
| Equity | €-38k |
| Debt | €254k |
| of which ≤ 1y | €113k |
| of which > 1y | €141k |
| Working capital | n/a |
| Employees (FTE) | 0.8 |
| 2023 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | -17.4% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | -20.7% |
| ROE | 118.7% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
| Line item | Code | 2023 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €216k |
| Fixed assets | 21/28 | €174k |
| Intangible fixed assets | 21 | €170k |
| Tangible fixed assets | 22/27 | €684 |
| Financial fixed assets | 28 | €3k |
| Current assets | 29/58 | €43k |
| Amounts receivable within one year | 40/41 | €5k |
| Cash & bank | 54/58 | €37k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €216k |
| Equity | 10/15 | €-38k |
| Contributions / capital | 10/11 | €19k |
| Accumulated profits (losses) | 14 | €-56k |
| Amounts payable | 17/49 | €254k |
| Amounts payable after one year | 17 | €141k |
| Amounts payable within one year | 42/48 | €113k |
| Trade debts payable within one year | 44 | €30k |
| Income statement | ||
| Gross operating margin | 9900 | €25k |
| Operating result | 9901 | €-38k |
| Financial income | 75 | €98 |
| Financial charges | 65 | €7k |
| Result before taxes | 9903 | €-45k |
| Net result for the period | 9904 | €-45k |
| Result to be appropriated | 9905 | €-45k |
| NACE primary | 66220 |
| Legal form | Private limited company(610) |
| Incorporation | 25-06-2008 |
| Status | Active |
| Postal code | 2440 |
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13376G0663/00H022 | Flanders | 1,049 m² | 1 · 78 m² | 13.5 m · 3 fl. |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
11-09-2024 Discharge granted to the board
Technical details
{
"events": [
{
"kind": "decharge_granted",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Johan Nerinckx",
"address": null,
"birth_date": null,
"profession": null,
"birth_place": null
},
"reason": null,
"subkind": "regular",
"via_org": null,
"statutory": null,
"compensated": null,
"effective_date": "2023-12-15",
"evidence_quote": "Op de bijzondere algemene vergadering wordt door bestuurder/aandeelhouder LCM invest, vertegenwoordigd door Chon Ming Leung, vanaf 15/12/2023 onvoorwaardelijk en onbeperkte finale kwijting verleend aan de voormalig zaakvoerder/bestuurder Johan Nerinckx.",
"decharge_status": "granted",
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},
{
"kind": "decharge_granted",
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},
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"name": "LCM invest",
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},
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"evidence_quote": "Op de bijzondere algemene vergadering wordt door bestuurder/aandeelhouder LCM invest, vertegenwoordigd door Chon Ming Leung, vanaf 15/12/2023 onvoorwaardelijk en onbeperkte finale kwijting verleend aan de voormalig zaakvoerder/bestuurder Johan Nerinckx.",
"decharge_status": "granted",
"mandate_duration": null,
"rep_rotation_new_rep": null,
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"effective_date_qualifier": null
}
],
"notary": {
"name": null,
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"office_city": null,
"is_associated": false
},
"act_meta": {
"language": "mixed",
"pub_date": "2024-09-11",
"filing_date": "2023-12-16",
"act_kind_objet": "Onderwerp akte:"
},
"decisions": [
{
"body": "bijzondere_algemene_vergadering",
"date": "2023-12-16",
"unanimous": null
}
],
"is_correction": false,
"subject_company": {
"kbo": "0898.856.438",
"name_full": "Bene\u0026co",
"legal_form": "BV"
},
"publication_proxy": {
"kind": "person",
"org_kbo": null,
"org_name": null,
"person_name": "Chon Ming Leung",
"org_rep_person_name": null,
"person_role_at_subject": "bestuurder"
},
"co_filed_documents": [],
"corrected_publication_numac": null
}25-10-2023 Registered office moved from Borsbeek to Geel
- 2150 Borsbeek, Louis Huybrechtsstraat 5 → 2440 Geel, Pas 119
Technical details
{
"events": [
{
"kind": "zetel_transfer",
"seat_type": "siege_administratif",
"new_address": {
"raw": "2440 Geel, Pas 119",
"city": "Geel",
"region": "vlaams_gewest",
"street": "Pas",
"country": "BE",
"postcode": "2440",
"box_number": null,
"street_number": "119",
"locality_suffix": null
},
"old_address": {
"raw": "2150 Borsbeek, Louis Huybrechtsstraat 5",
"city": "Borsbeek",
"region": "vlaams_gewest",
"street": "Louis Huybrechtsstraat",
"country": "BE",
"postcode": "2150",
"box_number": null,
"street_number": "5",
"locality_suffix": null
},
"effective_date": null,
"evidence_quote": "",
"region_changed": false,
"is_statute_change": true,
"nationality_change": null,
"old_address_source": "act_body",
"statute_clause_text": null,
"statute_article_number": null,
"effective_date_qualifier": "immediate",
"statutaire_vs_werkelijke": null,
"linguistic_region_changed": false,
"court_jurisdiction_changed": false,
"effective_date_is_approximate": null
}
],
"notary": {
"name": "Hans Derache",
"firm_city": null,
"firm_name": null,
"office_city": "Tessenderlo",
"is_associated": false
},
"act_meta": {
"language": "nl",
"pub_date": "2023-10-25",
"filing_date": "2023-10-23",
"act_kind_objet": "Onderwerp akte:"
},
"decision": {
"body": "buitengewone_algemene_vergadering",
"date": "2023-10-19",
"unanimous": null
},
"subject_company": {
"kbo": "0898.856.438",
"name_full": "BENE\u0026CO",
"legal_form": "BV"
},
"publication_proxy": {
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"org_name": null,
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"org_rep_person_name": null,
"person_role_at_subject": null
},
"co_filed_documents": [
"uitgifte van de akte",
"geco\u00F6rdineerde statuten"
]
}Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
| Legal nameNL | Bene&co |