Bene Construct
ActiveThe computed 12-month bankruptcy probability of Bene Construct is 4.2% (elevated). The 2024 annual accounts show negative equity (€-7k) and a net result of €-5k. Equity is shrinking by ~162% per year across the filed fiscal years. Its solvency ranks better than 8% of 36375 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
25
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability22▲+22
Solvency15▼-7
Growth32=
Track record94
Bankruptcy probability, 12 months
4.2%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.71 against 0.63 in 2023; short-term debt: 89.9% and cash: 13.8% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
-10.1%
Return on assets
-8%
Age of the figures
20 mo
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
222324
2022 to 2024 · latest year €-7k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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 · 3 filingsDeviation from the deadline
2025
not confirmed
2024
60 d late
2023
30 d late
2022
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-7k▼ 381%
2023 · €-1k
2022: €15k
2023: €-1k
2022 → 2024
Total assets
€67k▲ 26.1%
2023 · €53k
2022: €39k
2023: €53k
2022 → 2024
Net result
€-5k▲ 67.6%
2023 · €-17k
2022: €12k
2023: €-17k
2022 → 2024
Working capital
€-17k▼ 33.2%
2023 · €-13k
2022: €6k
2023: €-13k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€15k-€-1k€-7k▼ 381%
Operating result€17k-€-15k€-3k▲ 80.9%
Net result€12k-€-17k€-5k▲ 67.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2024 against €15k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €67k
Fixed assets
€24k▼ 22.2%
Current assets
€43k▲ 92.4%
Key figures and ratios
EBITDA
€5k▲
2023 · €-9k
Cash flow
€2k▲
2023 · €-10k
Solvency
-10.1%▼
2023 · -2.6%
Current ratio
0.71▲
2023 · 0.63
Quick ratio
0.71▲
2023 · 0.63
Debt / equity
-10.92▲
2023 · -38.86
ROA
-8.0%▲
2023 · -31.1%
Interest coverage
1.63▲
2023 · -4.40
Debt
€74k▲
2023 · €55k
Debt ≤ 1 year
€61k▲
2023 · €35k
Debt > 1 year
€13k▼
2023 · €19k
Income taxes
€103▼
2023 · €107
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€53k€67k▲
Fixed assets21/28€31k€24k▼
Tangible fixed assets22/27€31k€24k▼
Plant, machinery and equipment23€3k€3k▲
Furniture and vehicles24€248€0▼
Leasing and similar rights25€28k€21k▼
Current assets29/58€23k€43k▲
Amounts receivable within one year40/41€22k€29k▲
Trade receivables40€9k€24k▲
Other amounts receivable41€13k€5k▼
Cash at bank and in hand54/58€674€9k▲
Deferred charges and accrued income490/1€116€5k▲
Equity and liabilities
Total equity and liabilities10/49€53k€67k▲
Equity10/15€-1k€-7k▼
Contributions10/11€3k€3k=
Reserves13€12k€12k=
Distributable reserves133€12k€12k=
Profit (loss) carried forward14€-17k€-22k▼
Amounts payable17/49€55k€74k▲
Amounts payable after more than one year17€19k€13k▼
Financial debts170/4€19k€13k▼
Amounts payable within one year42/48€35k€61k▲
Current portion of amounts payable after more than one year42€5k€5k▲
Financial debts43-€25k
Credit institutions430/8-€25k
Trade debts44€23k€22k▼
Suppliers440/4€23k€22k▼
Advances received on contracts in progress46-€4k
Taxes, remuneration and social security45€7k€4k▼
Taxes450/3€6k€4k▼
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€115€117▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€8k▲
Other operating charges640/8€1k€11k▲
Gross operating margin9900€-7k€16k▲
Operating profit (loss)9901€-15k€-3k▲
Financial income75/76B€440€634▲
Recurring financial income75€440€634▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€-17k€-5k▲
Income taxes67/77€107€103▼
Profit (loss) for the period9904€-17k€-5k▲
Profit (loss) for the period to be appropriated9905€-17k€-5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-17k€-22k▼
Profit (loss) brought forward from the previous period14P-€-17k
Transfer to equity691/2€0-
To other reserves6921€0-
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €-17k ▼236%
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Hasselt · 1 establishment unit since 2021
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.
Diestersteenweg 3913510 HasseltGround area
1,018 m²
Building footprint
168 m²
Volume, LiDAR
796 m³
Parcel 71054B0021/00L000, Flanders · tallest building 6.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bene Construct
since 20212.325.990.714
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71054B0021/00L000 | Flanders | 1,018 m² | 1 · 168 m² | 6.4 m · 2 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 279 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 279 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 20,033 companies in sector 43320 we hold annual accounts for 9,135. 5,569 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-11-2021
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
81230Other cleaning activities
81300Landscape service activities
95240Repair and maintenance of furniture and upholstery
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.