BENGIA
ActiveBENGIA has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €68k and a net result of €4k. Equity is growing by ~25.2% per year across the filed fiscal years. Its solvency ranks better than 54% of 9039 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability72▼-6
Solvency73▲+8
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity tight (current ratio 1.4 against 1.76 in 2023; short-term debt: 37.2% and cash: 27.2% of total assets), and 52.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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
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
47.8%
Return on assets
2.9%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 21-05-2025, 71 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
71 d early
2023
141 d early
2022
32 d early
2021
26 d late
2020
61 d late
2019
19 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€68k▲ 17.9%
2023 · €58k
2018: €18k
2019: €28k
2020: €28k
2021: €38k
2022: €48k
2023: €58k
2018 → 2024
Total assets
€143k▼ 0.4%
2023 · €143k
2018: €227k
2019: €209k
2020: €187k
2021: €183k
2022: €154k
2023: €143k
2018 → 2024
Net result
€4k▼ 59.3%
2023 · €10k
2018: €6k
2019: €10k
2020: €340
2021: €10k
2022: €10k
2023: €10k
2018 → 2024
Working capital
€21k▼ 29.3%
2023 · €30k
2018: €5k
2019: €18k
2020: €16k
2021: €17k
2022: €31k
2023: €30k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€28k-€38k▲ 33.7%€48k▲ 25.3%€58k▲ 21.2%€68k▲ 17.9%
Operating result€4k-€15k▲ 228%€17k▲ 15.4%€17k▲ 2.3%€7k▼ 60.0%
Net result€340-€10k▲ 2,722%€10k▲ 0.3%€10k▲ 5.2%€4k▼ 59.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 60% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €143k
Fixed assets
€68k▼ 6.5%
Current assets
€74k▲ 6.1%
Equity and liabilities €143k
Equity
€68k▲ 17.9%
Debt
€74k▼ 12.7%
The debt ratio falls from 59.6% to 52.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€27k▲
2023 · €21k
Cash flow
€24k▲
2023 · €14k
Solvency
47.8%▲
2023 · 40.4%
Current ratio
1.40▼
2023 · 1.76
Quick ratio
1.07▼
2023 · 1.42
Debt / equity
1.09▼
2023 · 1.48
ROE
6.1%▼
2023 · 17.5%
ROA
2.9%▼
2023 · 7.1%
Interest coverage
11.22▲
2023 · 8.55
Debt
€74k▼
2023 · €85k
Debt ≤ 1 year
€53k▲
2023 · €40k
Debt > 1 year
€21k▼
2023 · €45k
Income taxes
€598▼
2023 · €5k
Staff costs
€193k▲
2023 · €164k
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€143k€143k▼
Fixed assets21/28€73k€68k▼
Intangible fixed assets21€736€519▼
Tangible fixed assets22/27€72k€67k▼
Plant, machinery and equipment23€216-
Furniture and vehicles24€1k€14k▲
Other tangible fixed assets26€70k€54k▼
Financial fixed assets28€493€493=
Current assets29/58€70k€74k▲
Stocks and contracts in progress3€14k€18k▲
Stocks30/36€14k€18k▲
Amounts receivable within one year40/41€5k€11k▲
Other amounts receivable41€5k€11k▲
Cash at bank and in hand54/58€48k€39k▼
Deferred charges and accrued income490/1€3k€7k▲
Equity and liabilities
Total equity and liabilities10/49€143k€143k▼
Equity10/15€58k€68k▲
Contributions10/11€12k€19k▲
Capital10€12k€19k▲
Issued capital100€19k€19k=
Uncalled capital101€6k-
Reserves13€45k€50k▲
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€44k€48k▲
Amounts payable17/49€85k€74k▼
Amounts payable after more than one year17€45k€21k▼
Financial debts170/4€45k€21k▼
Amounts payable within one year42/48€40k€53k▲
Current portion of amounts payable after more than one year42€14k€14k▲
Trade debts44€1k€8k▲
Suppliers440/4€1k€8k▲
Taxes, remuneration and social security45€22k€26k▲
Taxes450/3€13k€17k▲
Remuneration and social security454/9€9k€9k▲
Other amounts payable47/48€3k€5k▲
Income statement
Code20232024
Remuneration, social security and pensions62€164k€193k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€20k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€188k€221k▲
Operating profit (loss)9901€17k€7k▼
Financial income75/76B€73€275▲
Recurring financial income75€73€275▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€15k€5k▼
Income taxes67/77€5k€598▼
Profit (loss) for the period9904€10k€4k▼
Profit (loss) for the period to be appropriated9905€10k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€10k€4k▼
Transfer to equity691/2€10k€4k▼
To other reserves6921€10k€4k▼
Social balance
Average headcount (FTE)90874.04.8▲
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
21-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
12-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €10k ▲5.2%
Net result €10k, the highest in the series.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 26 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 61 days late
2020
31-12
Financial
Weakest financial yearnet €340 ▼96.5%
Net result drops to €340, the lowest in the series; recovery starts the following year.
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 19 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
05-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 36 days late
2017
09-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 9 days late
2016
14-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Gent · 1 establishment unit since 2011
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.
Koningin Elisabethlaan 19000 GentGround area
220 m²
Building footprint
211 m²
Volume, LiDAR
4,059 m³
Parcel 44809I0720/00V000, Flanders · tallest building 24.7 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
CAMILLO
since 20112.197.681.884
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44809I0720/00V000 | Flanders | 220 m² | 1 · 211 m² | 24.6 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
2023 to 2025 · 3 entries · 2,500 EUR awarded · 2,500 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,000 EUR | 1,000 EUR |
| 2024 | 1 | 1,000 EUR | 1,000 EUR |
| 2023 | 1 | 500 EUR | 500 EUR |
Schemes
Premie kwalificerend werkplekleren
Stagebonus (stopgezet)
Recognitions · licences · registrations
Dual-learning approval
3 live approvalsHaarverzorging duaal (so)
Kapper (vwo)
Kapper-stylist duaal (so)
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JACKYSAC
BE 0432.110.254
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VAN HOOF EMIEL
BE 0426.760.606
Keerbergen · Eq €50k
EURO - LEATHER
BE 0423.052.335
Heist-op-den-Berg · Eq €96k
Of 119 companies in sector 46498 we hold annual accounts for 75. 50 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-10-2010
Fiscal year end31-12
Activities, NACEBEL
46498Wholesale trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
47715Retail trade
47722Retail trade
82300Organisation of conventions and trade shows
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.