Equity
-€470,431
Debts exceed assets in financial year 2025.
BeNice
Lifetime
16 annual accounts with figures on one time axispeak €120,737 (2018)
€107,901▲ 14.9%
lowest -€1.6m (2021)
€76,575▲ 24.5%
peak €887,929 (2020)
-€470,431▲ €76,575
€513,260▼ 13.4%
Board1 name since 2021
1 directorCABAY Benoît
Documentsfilings and deeds
25-08-202625 days late
2025abbreviated format
Gross margin from €93,931 to €107,901Equity from -€547,006 to -€470,431
Key points
from the 2025 annual accountsTurnover
≈ €210,000 estimated
The accounts state no turnover.
Debts
€513,260 1,198% of the balance sheet
Financial debts 15%Taxes and wages 6%Other 79%
Of this, €42,775 falls due within a year.
Liquidity
0.95 was 0.43 in 2024
Short-term debts fell from €80,576 to €42,775.
Filings
16 annual accounts 17 filings since 2010
Seven of the last ten came late. The 2022 accounts came latest: 354 days after the end of the period.
Position in the sector
-1098.4%
Lower solvency than 95% of companies in auxiliary financial services. Sector median 38.5% · 1,861 companies.
Financial institution: outside the modelBankruptcy probability: sector outside the model
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Two signals.
raises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 1861 sector peers (2025).
NBB · sector comparisonPosition among 1861 sector peers
Solvency
better than 5%
← weakest
strongest →
raises risk · 2025 accounts filed 25 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 9 filingsDeviation from the deadline
2025
25 days late
2024
20 days late
2023
on the day
2022
40 days early
2021
39 days early
2020
9 days late
2019
56 days late
← 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 4 days after the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% 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 1 August (4 of the last 5 accounts filed within 40 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0822263159
Amendment of the articles · Legal-form change · Resignations & appointments
Resignation: CABAY Benoît (manager) · Reappointment: CABAY Benoît (director) · Permanent representative: CABAY Benoît · General meeting of 13-12-2023 · Gazette deed
First establishment
Bétel 206, Aubel
Incorporation
published on 18-01-2010 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BeNice Aubel | €42,829 | €107,901 | -1098.4% | - |
| ABM Insurance & Consulting Liège | €52,788 | €78,891 | -99.3% | - |
| U-secure Liège | €30,224 | €109,514 | -115.1% | - |
| ACTIZEL Courcelles | €55,243 | €110,179 | 86.1% | - |
| Nic Assur Tervuren | €53,178 | €127,809 | 41.1% | - |
| A.C.P. VAES Liège | €53,608 | €86,126 | 12.3% | - |
| Verzekeringen Nadja Muyldermans Mechelen | €44,075 | €65,540 | 42.6% | - |
These companies have the same main activity as BeNice: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €30,200 and €55,200, founded between 2002 and 2011.
Official details
Source: KBO- Status
- Active since 14-01-2010Normal situation
- Activity
- Insurance agents and brokersNACE 66220
- Establishment unit
- 2.186.231.5304880 Aubel, since 30-03-2010
- Financial year end
- 31 December
- Peppol
- Reachable since 07-11-2025
Insights on BeNice
BeNice files the abbreviated format. That format states no turnover. The gross margin rose from €57,003 in 2010 to €107,901 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 BeNice
- What is the company number of BeNice?
- The company number of BeNice is 0822.263.159. The VAT number is the same number with BE in front: BE 0822.263.159.
- Where is BeNice based?
- The registered office is at Bétel 206, 4880 Aubel.Company details
- What does BeNice do?
- According to the KBO register, the main activity is insurance agents and brokers (NACE 66220).
- What is the legal form of BeNice?
- BeNice is a private limited company (BV).
- When was BeNice founded?
- BeNice was founded on 14-01-2010.
- Is BeNice still active?
- Yes, BeNice is an active enterprise in the KBO register.
- What is the turnover of BeNice?
- The turnover in financial year 2025 is ≈ €210,000. This figure is estimated from the gross margin of €107,901 and 30 comparable companies (NACE 66220). It probably lies between €170,000 and €280,000.Financials
- Is BeNice profitable?
- In financial year 2025, BeNice made a profit of €76,575.
- Where can I find the annual accounts of BeNice?
- BeNice filed 17 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of BeNice due?
- BeNice must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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