BENISOLE
ActiveBENISOLE has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16k and a net result of €-2k. Equity is growing by ~4.5% per year across the filed fiscal years. Its solvency ranks better than 22% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability16▼-19
Solvency46▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 46.41 against 79.02 in 2024; short-term debt: 1% and cash: 40.7% of total assets), but 79.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 43
Relative position
BE, all sectors
reference
Sector 43
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 2025Solvency, return and age of the figures
Solvency
20.7%
Return on assets
-2.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 27711 sector peers (2025).
NBB · sector comparisonPosition among 27711 sector peers
Solvency
better than 22%
← weakest
strongest →
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 10-06-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
45 d early
2023
49 d early
2022
45 d early
2021
44 d early
2020
127 d early
2019
88 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€16k▼ 9.4%
2024 · €18k
2018: €13k
2019: €14k
2020: €15k
2021: €16k
2022: €16k
2023: €18k
2024: €18k
2018 → 2025
Total assets
€77k▼ 1.6%
2024 · €79k
2018: €74k
2019: €76k
2020: €77k
2021: €78k
2022: €78k
2023: €79k
2024: €79k
2018 → 2025
Net result
€-2k
2024 · €26
2018: €-5k
2019: €1k
2020: €805
2021: €922
2022: €465
2023: €1k
2024: €26
2018 → 2025
Working capital
€33k▼ 3.4%
2024 · €35k
2018: €22k
2019: €26k
2020: €29k
2021: €32k
2022: €35k
2023: €34k
2024: €35k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€16k-€16k▲ 2.9%€18k▲ 7.7%€18k▲ 0.1%€16k▼ 9.4%
Operating result€1k-€649▼ 38.1%€2k▲ 163%€446▼ 73.8%€-1k
Net result€922-€465▼ 49.6%€1k▲ 171%€26▼ 97.9%€-2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €1k after €446 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €76k
Fixed assets
€42k=
Current assets
€34k▼ 2.5%
Equity and liabilities €77k
Equity
€16k▼ 9.4%
Debt
€61k▲ 0.7%
The debt ratio rises from 77.5% to 79.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-828▼
2024 · €823
Cash flow
€-1k▼
2024 · €402
Solvency
20.7%▼
2024 · 22.5%
Current ratio
46.41▼
2024 · 79.02
Quick ratio
46.41▼
2024 · 79.02
Debt / equity
3.83▲
2024 · 3.44
ROE
-10.4%▼
2024 · 0.1%
ROA
-2.1%▼
2024 · 0.0%
Interest coverage
-1.81▼
2024 · 1.96
Debt
€61k▲
2024 · €61k
Debt ≤ 1 year
€735▲
2024 · €443
Debt > 1 year
€60k=
2024 · €60k
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€79k€77k▼
Formation expenses20€2k€1k▼
Fixed assets21/28€42k€42k=
Tangible fixed assets22/27€42k€42k=
Land and buildings22€42k€42k=
Current assets29/58€35k€34k▼
Amounts receivable within one year40/41€2k€3k▲
Trade receivables40€2k€3k▲
Other amounts receivable41-€76
Cash at bank and in hand54/58€33k€31k▼
Deferred charges and accrued income490/1-€54
Equity and liabilities
Total equity and liabilities10/49€79k€77k▼
Equity10/15€18k€16k▼
Contributions10/11€19k€19k=
Reserves13€828€828=
Distributable reserves133€828€828=
Profit (loss) carried forward14€-2k€-3k▼
Amounts payable17/49€61k€61k▲
Amounts payable after more than one year17€60k€60k=
Other amounts payable178/9€60k€60k=
Amounts payable within one year42/48€443€735▲
Trade debts44€190€735▲
Suppliers440/4€190€735▲
Taxes, remuneration and social security45€253-
Taxes450/3€253-
Accrued charges and deferred income492/3€485€600▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€376€376=
Other operating charges640/8€387€400▲
Gross operating margin9900€1k€-429▼
Operating profit (loss)9901€446€-1k▼
Financial charges65/66B€420€458▲
Recurring financial charges65€420€458▲
Profit (loss) for the period before taxes9903€26€-2k▼
Profit (loss) for the period9904€26€-2k▼
Profit (loss) for the period to be appropriated9905€26€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€-3k▼
Profit (loss) brought forward from the previous period14P€-2k€-2k▲
The notes to these accounts (3 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
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €1k ▲171%
Operating result €2k, net result €1k, both a record.
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
04-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
05-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-03
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Morlanwelz · 1 establishment unit since 2010
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.
Chaussée Brunehault(CAR) 4017141 MorlanwelzGround area
8,727 m²
Building footprint
522 m²
Parcel 56015A0841/00S003, Wallonia. Linked by address, not a title deed.
1 establishment unit
Chaussée Brunehault(CAR) 401, 7141 Morlanwelz
since 20102.187.375.635
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56015A0841/00S003 | Wallonia | 8,727 m² | 1 · 522 m² | - |
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.
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Of 4,270 companies in sector 43230 we hold annual accounts for 1,240. 820 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-03-2010
Fiscal year end31-12
Activities, NACEBEL
43230Insulation installation
43291Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.