BENES DELTA
ActiveSummary
BENES DELTA has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €107k and a net result of €2k. Equity is shrinking by ~7.2% per year across the filed fiscal years. Its solvency ranks better than 82% of 2692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+1
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity tight (current ratio 1.21 against 0.71 in 2024; short-term debt: 18.8% and cash: 13.7% of total assets), and 18.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 62
Relative position
BE, all sectors
reference
Sector 62
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
81.2%
Return on assets
1.3%
Age of the figures
9 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
26 d early
2023
2 d early
2022
32 d early
2021
31 d early
2020
3 d late
2019
21 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€107k=
2024 · €107k
2018: €653k
2019: €144k
2020: €145k
2021: €138k
2022: €107k
2023: €108k
2024: €107k
2018 → 2025
Total assets
€131k▼ 5.4%
2024 · €139k
2018: €713k
2019: €198k
2020: €187k
2021: €168k
2022: €143k
2023: €157k
2024: €139k
2018 → 2025
Net result
€2k▲ 189%
2024 · €595
2018: €66k
2019: €16k
2020: €1k
2021: €-7k
2022: €3k
2023: €547
2024: €595
2018 → 2025
Working capital
€5k
2024 · €-9k
2018: €498k
2019: €-2k
2020: €8k
2021: €12k
2022: €2k
2023: €-5k
2024: €-9k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€138k-€107k▼ 22.5%€108k▲ 0.5%€107k▼ 1.0%€107k=
Operating result€4k-€5k▲ 9.4%€676▼ 86.1%€3k▲ 335%€3k▲ 18.1%
Net result€-7k-€3k€547▼ 82.4%€595▲ 8.7%€2k▲ 189%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 18% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €131k
Fixed assets
€101k ▼ 12.6%
Current assets
€30k ▲ 31.5%
Equity and liabilities €131k
Equity
€107k =
Debt
€25k ▼ 23.4%
Debt's share of the balance-sheet total falls from 23.2% to 18.8%. Debt is lower.
Key figures and ratios
EBITDA
€22k▼
2024 · €25k
Cash flow
€20k▼
2024 · €23k
Current ratio
1.21▲
2024 · 0.71
Debt to equity
0.23▼
2024 · 0.30
ROE
1.6%▲
2024 · 0.6%
ROA
1.3%▲
2024 · 0.4%
Interest coverage
23.88▲
2024 · 11.40
Debt ≤ 1 year
€25k▼
2024 · €32k
Income taxes
€874▲
2024 · €152
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€139k€131k▼
Fixed assets21/28€116k€101k▼
Tangible fixed assets22/27€116k€101k▼
Land and buildings22€98k€84k▼
Plant, machinery and equipment23€18k€17k▼
Current assets29/58€23k€30k▲
Amounts receivable within one year40/41€14k€12k▼
Trade receivables40€37€841▲
Other amounts receivable41€14k€11k▼
Cash at bank and in hand54/58€9k€18k▲
Equity and liabilities
Total equity and liabilities10/49€139k€131k▼
Equity10/15€107k€107k=
Contributions10/11€20k€20k=
Reserves13€68k€68k=
Non-distributable reserves130/1€37k€37k=
Reserves not available under the articles1311€37k€37k=
Distributable reserves133€31k€31k=
Profit (loss) carried forward14€18k€18k▲
Amounts payable17/49€32k€25k▼
Amounts payable within one year42/48€32k€25k▼
Financial debts43€19k-
Credit institutions430/8€19k-
Trade debts44€11k€21k▲
Suppliers440/4€11k€21k▲
Taxes, remuneration and social security45€667€1k▲
Taxes450/3€667€1k▲
Other amounts payable47/48€2k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€18k▼
Other operating charges640/8€12k€13k▲
Gross operating margin9900€37k€35k▼
Operating profit (loss)9901€3k€3k▲
Financial income75/76B€1€43▲
Recurring financial income75€1€43▲
Financial charges65/66B€2k€920▼
Recurring financial charges65€2k€920▼
Profit (loss) for the period before taxes9903€746€3k▲
Income taxes67/77€152€874▲
Profit (loss) for the period9904€595€2k▲
Profit (loss) for the period to be appropriated9905€595€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€20k€20k=
Profit (loss) brought forward from the previous period14P€19k€18k▼
Profit to be distributed694/7€2k€2k▼
Return on contributions (dividend)694€2k€2k▼
The notes to these accounts (5 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
05-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €-7k ▼647%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
03-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 3 days late
2020
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
07-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 7 days late
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Leuven · 1 establishment unit since 1987
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.
Industrieweg 33001 LeuvenGround area
3,077 m²
Building footprint
918 m²
Volume, LiDAR
4,783 m³
Parcel 24514B0186/00S000, Flanders · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BENES BVBA
since 19872.034.043.775
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24514B0186/00S000 | Flanders | 3,077 m² | 1 · 918 m² | 6.5 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 · 1,402 EUR awarded · 1,402 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,402 EUR | 1,402 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
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GANEOS
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STIPA CONSULT
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Of 16,884 companies in sector 62100 we hold annual accounts for 8,775. 6,955 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-12-1986
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
46500Wholesale of information and communication equipment
Sources
Crossroads Bank for EnterprisesNational Bank · 39 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.