BENEFISC
ActiveBENEFISC has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €248k and a net result of €112k. Equity is growing by ~44.3% per year across the filed fiscal years. Its solvency ranks better than 28% of 3282 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability46▼-35
Solvency44▲+9
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 2.34 against 1.8 in 2024; short-term debt: 36.3% and cash: 12.4% of total assets), but 81.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
18.7%
Return on assets
8.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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
20 d late
2024
29 d late
2023
30 d late
2022
25 d late
2021
29 d late
2020
31 d late
2019
7 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€248k▲ 82.4%
2024 · €136k
2018: €-518k
2019: €-472k
2020: €-401k
2021: €-285k
2022: €-172k
2023: €7k
2024: €136k
2018 → 2025
Total assets
€1.33M▼ 0.1%
2024 · €1.33M
2018: €561k
2019: €712k
2020: €819k
2021: €1.11M
2022: €1.10M
2023: €1.12M
2024: €1.33M
2018 → 2025
Net result
€112k▼ 13.3%
2024 · €129k
2018: €46k
2019: €46k
2020: €71k
2021: €116k
2022: €113k
2023: €179k
2024: €129k
2018 → 2025
Working capital
€646k▲ 46.0%
2024 · €443k
2018: €176k
2019: €283k
2020: €487k
2021: €376k
2022: €351k
2023: €298k
2024: €443k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-285k-€-172k▲ 39.6%€7k€136k▲ 1,892%€248k▲ 82.4%
Operating result€247k-€161k▼ 34.7%€253k▲ 57.0%€210k▼ 17.0%€390k▲ 85.7%
Net result€116k-€113k▼ 2.8%€179k▲ 58.7%€129k▼ 27.8%€112k▼ 13.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 86% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.33M
Fixed assets
€198k▼ 40.8%
Current assets
€1.13M▲ 13.5%
Equity and liabilities €1.33M
Equity
€248k▲ 82.4%
Provisions
€0▼ 100%
Debt
€1.08M▲ 24.3%
The debt ratio rises from 65.3% to 81.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€454k▲
2024 · €275k
Cash flow
€176k▼
2024 · €195k
Solvency
18.7%▲
2024 · 10.2%
Current ratio
2.34▲
2024 · 1.80
Quick ratio
2.34▲
2024 · 1.80
Debt / equity
4.35▼
2024 · 6.38
ROE
45.2%▼
2024 · 95.0%
ROA
8.4%▼
2024 · 9.7%
Interest coverage
2.00▼
2024 · 10.01
Debt
€1.08M▲
2024 · €867k
Debt ≤ 1 year
€481k▼
2024 · €550k
Debt > 1 year
€596k▲
2024 · €306k
Income taxes
€51k▼
2024 · €53k
Staff costs
€441k▲
2024 · €426k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.33M€1.33M▼
Fixed assets21/28€334k€198k▼
Tangible fixed assets22/27€334k€198k▼
Land and buildings22€89k-
Furniture and vehicles24€61k€56k▼
Leasing and similar rights25€9k€4k▼
Other tangible fixed assets26€174k€137k▼
Current assets29/58€993k€1.13M▲
Amounts receivable within one year40/41€820k€949k▲
Trade receivables40€820k€948k▲
Other amounts receivable41-€1k
Cash at bank and in hand54/58€172k€164k▼
Deferred charges and accrued income490/1€1k€14k▲
Equity and liabilities
Total equity and liabilities10/49€1.33M€1.33M▼
Equity10/15€136k€248k▲
Contributions10/11€120k€120k=
Reserves13€16k€128k▲
Distributable reserves133€16k€128k▲
Provisions and deferred taxes16€324k-
Provisions for liabilities and charges160/5€324k-
Environmental obligations163€324k-
Amounts payable17/49€867k€1.08M▲
Amounts payable after more than one year17€306k€596k▲
Financial debts170/4€305k€596k▲
Other amounts payable178/9€2k-
Amounts payable within one year42/48€550k€481k▼
Current portion of amounts payable after more than one year42€44k€43k▼
Financial debts43€2k-
Credit institutions430/8€2k-
Trade debts44€349k€308k▼
Suppliers440/4€349k€308k▼
Taxes, remuneration and social security45€153k€130k▼
Taxes450/3€79k€72k▼
Remuneration and social security454/9€74k€58k▼
Other amounts payable47/48€2k€648▼
Accrued charges and deferred income492/3€10k€100▼
Income statement
Code20242025
Remuneration, social security and pensions62€426k€441k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€66k€64k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€27k€-41k▼
Other operating charges640/8€10k€2k▼
Gross operating margin9900€738k€856k▲
Operating profit (loss)9901€210k€390k▲
Financial income75/76B€65-
Recurring financial income75€65-
Financial charges65/66B€28k€227k▲
Recurring financial charges65€28k€227k▲
Profit (loss) for the period before taxes9903€182k€163k▼
Income taxes67/77€53k€51k▼
Profit (loss) for the period9904€129k€112k▼
Profit (loss) for the period to be appropriated9905€129k€112k▼
Appropriation of the result
Profit (loss) to be appropriated9906€16k€112k▲
Profit (loss) brought forward from the previous period14P€-113k-
Transfer to equity691/2€16k€112k▲
To other reserves6921€16k€112k▲
Social balance
Average headcount (FTE)9087425,805.2440,668.7▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
14-09
State Gazette act
General meeting · Legal-form conversion
Reserve release · Statutes amendment
28-08
State Gazette act
General meeting · Approval
Director resignation · Director discharge
28-08
State Gazette act
Incorporation · Founding capital
Corporate purpose · First fiscal year
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 20 days late
18-08
State Gazette act
General meeting · Approval
Net-asset statement · Dissolution
17-07
State Gazette act
Incorporation · Founder
Founding capital · Corporate purpose
02-07
State Gazette act
Incorporation · Founder
Founding capital · First fiscal year
24-02
State Gazette act
General meeting · Merger
Dissolution · Share cancellation
24-02
State Gazette act
General meeting · Merger
Dissolution · Share cancellation
2025
31-12
Financial
Equity above €200kEq €248k ▲82.4%
8 profitable years in a row build equity to €248k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
31-12
Financial
Equity above €100kEq €136k ▲1892%
7 profitable years in a row build equity to €136k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-12
Financial
Highest result since 2018net €179k ▲58.7%
Net result €179k, the highest in the series.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 25 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 29 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 4.35
Current ratio from 2.08 to 4.35; short-term debt falls from €263k to €145k.
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 26 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Antwerpen · 1 establishment unit since 2015
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.
Noorderlaan 982030 AntwerpenGround area
1,239 m²
Building footprint
1,140 m²
Volume, LiDAR
19,204 m³
Parcel 11807G2126/00N000, Flanders · tallest building 20.5 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
BENEFISC
since 20152.238.259.360
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11807G2126/00N000 | Flanders | 1,239 m² | 1 · 1,140 m² | 20.5 m · 6 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
2022 to 2025 · 6 entries · 12,720 EUR awarded · 13,230 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 5,415 EUR | 5,415 EUR |
| 2024 | 2 | 2,533 EUR | 2,533 EUR |
| 2023 | 1 | 1,167 EUR | 1,677 EUR |
| 2022 | 2 | 3,605 EUR | 3,605 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Vlaams opleidingsverlof (VOV)
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Of 12,174 companies in sector 69201 we hold annual accounts for 7,638. 6,206 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-09-1988
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.