Result
-€23,275 -€23,275
From profit to loss in 2025, after a profit of €75,334 in 2024.
BENEflex
Lifetime
17 annual accounts with figures on one time axispeak €235,764 (2020)
€55,030▼ 71.6%
lowest -€42,426 (2013)
-€23,275▼ €98,609
peak €514,416 (2024)
€491,141▼ 4.5%
€40,933▼ 20.0%
peak 0.9 FTE (2009)
-not published
Board2 names since 2021
1 directorFisette Tim
Documentsfilings and deeds
16-06-202645 days before the deadline
2025micro format
Gross margin from €193,858 to €55,030Loss of €23,275Debts from €51,194 to €40,933
Key points
from the 2025 annual accountsChecked score
90
Excellent
Financially stronger than 67% of micro companies in retail trade (NACE 47)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,275 companies (NACE 47, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%lowest value
01-2025: 0.1%▲ +0.1 percentage points vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.2%▲ +0.1 percentage points vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.1%▼ -0.1 percentage points vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.2%▲ +0.1 percentage points vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026highest value
08-2026: 0.2%● unchanged vs 07-2026highest value
09-2026: 0.2%● unchanged vs 08-2026highest value
10-2026: 0.2%● unchanged vs 09-2026highest value
11-2026: 0.2%● unchanged vs 10-2026highest value
Financial strengthStrong
Score breakdown
raises risk
1 change of registered office in 24 months
Loss of €23,275 (financial year 2025)
lowers risk
Liquidity: current ratio 9.90, cash €216,545
Equity €491,141 (92.3% of total assets)
Calculation
The band follows from the bankruptcy probability. 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 47, micro). It does better than 92% of them on solvency, 99% on liquidity, 44% on profitability and 32% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,908 companies had the same profile as BENEflex has now. Each dot stands for 18 companies, two years later.
90.9%
were still trading
7.8%
stopped another way
1.1%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of BENEflex itself: 0.2% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,908 companies, not a prediction for BENEflex. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €40,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 9.9 (8.57 in 2024), above the usual 1.5. Short-term debt is 7.7% and cash 40.7% of total assets. 7.7% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-06-2026, 45 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
45 days early
2024
41 days early
2023
34 days early
2022
38 days early
2021
35 days early
2020
36 days early
2019
51 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 40 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 23 June (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0895825484
Registered office moved from Pelt to Peer
New registered office: Pater Schuermansstraat 19 3990 Peer · Previous registered office: Europalaan 11 3900 Pelt · General meeting of 25-11-2024 · Gazette deed
Purpose change · Amendment of the articles · Legal-form change · Resignations & appointments
“Het verwerven van participaties in eender welke vorm in alle bestaande of op te richten rechtspersonen en…” (deed in Dutch) · Legal-form conversion: to private limited company · Board composition: Tim Fissette (director) · General meeting of 23-12-2022 · Gazette deed
First establishment
Pater Schuermansstraat 19, Peer
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BENEflex Peer | €532,073 | €55,030 | 92.3% | - |
| PHARMACIE B.ROLAND Yvoir | €653,942 | €49,987 | 91.3% | - |
| A-Kinetics Riemst | €408,178 | €65,105 | 63.0% | - |
| FOXX AV Dilsen-Stokkem | €538,769 | €64,364 | 2.9% | 0 |
| 2improveIT Hasselt | €401,359 | €82,571 | 30.5% | - |
| GLOMAPLUS Hoegaarden | €631,530 | €70,394 | 28.0% | - |
| SIGMA CONSULTING Leuven | €466,017 | €66,094 | 52.3% | - |
These companies have the same main activity as BENEflex: retail sale of information and communication equipment (NACE 47400). They are comparable in size and age: total assets between €401,000 and €654,000, founded between 2005 and 2011.
Official details
Source: KBO- Status
- Active since 19-02-2008Normal situation
- Activity
- Retail sale of information and communication equipmentNACE 47400and 6 others
- Joint committees
- 200Auxiliary committee for white-collar workers
- 124Construction · annual accounts 2025
- Establishment unit
- 2.168.943.8533990 Peer, since 21-02-2008
- Financial year end
- 31 December
- Peppol
- Reachable since 02-12-2025
Annual accounts 2025
- ≈ €420,000estimated
- €532,073▼ 5.9%
- Employeeson 31-12-2025
- 1▼ 50.0%
- Filing
- Filed on 16-06-2026, 45 days before the end of the filing period
Insights on BENEflex
BENEflex files the micro format. That format states no turnover. The gross margin fell from €99,628 in 2009 to €55,030 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about BENEflex
- What is the company number of BENEflex?
- The company number of BENEflex is 0895.825.484. The VAT number is the same number with BE in front: BE 0895.825.484.
- Where is BENEflex based?
- The registered office is at Pater Schuermansstraat 19, 3990 Peer.Company details
- What does BENEflex do?
- According to the KBO register, the main activity is retail sale of information and communication equipment (NACE 47400).
- What is the legal form of BENEflex?
- BENEflex is a private limited company (BV).
- When was BENEflex founded?
- BENEflex was founded on 19-02-2008.
- Is BENEflex still active?
- Yes, BENEflex is an active enterprise in the KBO register.
- How many employees does BENEflex have?
- BENEflex had an average of 1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does BENEflex fall under?
- In its 2025 annual accounts, BENEflex states joint committees 200 (Auxiliary committee for white-collar workers) and 124 (Construction).
- What is the turnover of BENEflex?
- The turnover in financial year 2025 is ≈ €420,000. This figure is estimated from the gross margin of €55,030 and 295 comparable companies (NACE 47). It probably lies between €230,000 and €680,000.
- Is BENEflex profitable?
- In financial year 2025, BENEflex made a loss of €23,275.
- Where can I find the annual accounts of BENEflex?
- BENEflex filed 17 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of BENEflex due?
- BENEflex must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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