Summary
BENJAMIN ROBETTE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €27,787 and a net result of €24,440. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 77% of 2464 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-09-2026, 46 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
46 d late
2024
26 d late
2023
22 d late
2022
29 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 31 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
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. Usually files around 28 August (4 of the last 4 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€27,787▼ 72.6%
2024 · €101,346
Net result
€24,440▼ 44.5%
2024 · €44,036
Total assets
€35,569▼ 67.7%
2024 · €110,266
Solvency
78.1%▼ 13.8pp
2024 · 91.9%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result€37,833-€39,041▲ 3.2%€60,678▲ 55.4%€32,416▼ 46.6%
Net result€26,108within the sector's middle half-€28,203within the sector's middle half▲ 8.0%€44,036within the sector's middle half▲ 56.1%€24,440within the sector's middle half▼ 44.5%
Equity€29,108below the sector's middle half-€57,311within the sector's middle half▲ 96.9%€101,346within the sector's middle half▲ 76.8%€27,787below the sector's middle half▼ 72.6%
Total assets€41,158below the sector's middle half-€68,617below the sector's middle half▲ 66.7%€110,266below the sector's middle half▲ 60.7%€35,569below the sector's middle half▼ 67.7%
Debt€12,050-€11,307▼ 6.2%€8,919▼ 21.1%€7,782▼ 12.7%
Working capital€29,108within the sector's middle half-€56,255within the sector's middle half▲ 93.3%€99,430within the sector's middle half▲ 76.8%€24,721within the sector's middle half▼ 75.1%
Solvency70.7%within the sector's middle half-83.5%above the sector's middle half▲ 12.8pp91.9%above the sector's middle half▲ 8.4pp78.1%above the sector's middle half▼ 13.8pp
Current ratio3.42within the sector's middle half-5.98above the sector's middle half▲ 2.5612.15above the sector's middle half▲ 6.174.18above the sector's middle half▼ 7.97
Return on assets (ROA)63.4%above the sector's middle half-41.1%above the sector's middle half▼ 22.3pp39.9%above the sector's middle half▼ 1.2pp68.7%above the sector's middle half▲ 28.8pp
Staff (FTE)0.11▲ 900%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 47% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €35,569
Fixed assets
€3,066 ▲ 60.0%
Current assets
€32,503 ▼ 70.0%
Equity and liabilities €35,569
Equity
€27,787 ▼ 72.6%
Debt
€7,782 ▼ 12.7%
Debt's share of the balance-sheet total rises from 8.1% to 21.9%. Equity and debt are lower.
Key figures and ratios
ROE
88.0%▲
2024 · 43.5%
Debt ≤ 1 year
€7,782▼
2024 · €8,919
Income taxes
€7,502▼
2024 · €16,475
Staff costs
€30,439▲
2024 · €1,245
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €1,245 | €30,439 | ▲ 2,346% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €193 | €349 | €750 | ▲ 115% |
| Other operating charges640/8 | €2,154 | €877 | €903 | €931 | ▲ 3.1% |
| Gross operating margin9900 | €39,987 | €40,111 | €63,175 | €64,536 | ▲ 2.2% |
| Operating profit (loss)9901 | €37,833 | €39,041 | €60,678 | €32,416 | ▼ 46.6% |
| Financial charges65/66B | €25 | €304 | €167 | €474 | ▲ 183% |
| Recurring financial charges65 | €25 | €304 | €167 | €474 | ▲ 183% |
| Profit (loss) for the period before taxes9903 | €37,808 | €38,738 | €60,511 | €31,942 | ▼ 47.2% |
| Income taxes67/77 | €11,700 | €10,535 | €16,475 | €7,502 | ▼ 54.5% |
| Profit (loss) for the period9904 | €26,108 | €28,203 | €44,036 | €24,440 | ▼ 44.5% |
| Profit (loss) for the period to be appropriated9905 | €26,108 | €28,203 | €44,036 | €24,440 | ▼ 44.5% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €41,158 | €68,617 | €110,266 | €35,569 | ▼ 67.7% |
| Fixed assets21/28 | - | €1,056 | €1,916 | €3,066 | ▲ 60.0% |
| Tangible fixed assets22/27 | - | €1,056 | €1,916 | €3,066 | ▲ 60.0% |
| Furniture and vehicles24 | - | €1,056 | €1,916 | €3,066 | ▲ 60.0% |
| Current assets29/58 | €41,158 | €67,561 | €108,350 | €32,503 | ▼ 70.0% |
| Amounts receivable within one year40/41 | €31,726 | €62,951 | €83,545 | €20,842 | ▼ 75.1% |
| Trade receivables40 | - | - | - | €1,625 | - |
| Other amounts receivable41 | €31,726 | €62,951 | €83,545 | €19,217 | ▼ 77.0% |
| Cash at bank and in hand54/58 | €4,146 | €979 | €14,666 | €11,141 | ▼ 24.0% |
| Deferred charges and accrued income490/1 | €5,286 | €3,631 | €10,138 | €520 | ▼ 94.9% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €41,158 | €68,617 | €110,266 | €35,569 | ▼ 67.7% |
| Equity10/15 | €29,108 | €57,311 | €101,346 | €27,787 | ▼ 72.6% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | €26,108 | €54,311 | €98,346 | €24,787 | ▼ 74.8% |
| Amounts payable17/49 | €12,050 | €11,307 | €8,919 | €7,782 | ▼ 12.7% |
| Amounts payable within one year42/48 | €12,050 | €11,307 | €8,919 | €7,782 | ▼ 12.7% |
| Trade debts44 | €350 | €709 | €1,329 | €769 | ▼ 42.1% |
| Suppliers440/4 | €350 | €709 | €1,329 | €769 | ▼ 42.1% |
| Taxes, remuneration and social security45 | €11,700 | €10,598 | €7,591 | €7,014 | ▼ 7.6% |
| Taxes450/3 | €11,700 | €10,598 | €6,500 | - | - |
| Remuneration and social security454/9 | - | - | €1,091 | €7,014 | ▲ 543% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €26,108 | €28,203 | €44,036 | €24,440 | ▼ 44.5% |
| + Depreciation and write-downs630 | - | €193 | €349 | €750 | ▲ 115% |
| Operating cash flow (approximation) | €26,108 | €28,396 | €44,385 | €25,190 | ▼ 43.2% |
| Investment in fixed assets (approximation) | - | - | -€1,209 | -€1,900 | ▼ 57.2% |
| Change in cash | - | -€3,167 | €13,687 | -€3,525 | ▼ 126% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
16-09
State Gazette act
Registered officeRegistered-office move2 facts ▸
State Gazette act
Registered office
Registered-office move2 facts ▸
- General meeting, 11-09-2026
- Registered-office move, Rue Léonard Colmant 4 boîte 4, 7500 Tournai
15-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 46 days late
2025
31-12
Financial
Weakest financial yearnet €24,440 ▼44.5%
Net result drops to €24,440, the lowest in the series.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Highest result since 2022net €44,036 ▲56.1%
Operating result €60,678, net result €44,036, both a record.
31-12
Financial
Liquidity doublescurrent ratio 12.15
Current ratio from 5.98 to 12.15; short-term debt falls from €11,307 to €8,919.
31-12
Financial
Equity above €100,000Eq €101,346 ▲76.8%
3 profitable years in a row build equity to €101,346.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 2 acts read
About the unread acts
Of the 2 Belgian State Gazette acts we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Tournai · 1 establishment unit since 2021
Ground area
2,160 m²
Building footprint
1,564 m²
Volume, LiDAR
15,941 m³
2 parcels, Wallonia · tallest building 17.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
BENJAMIN ROBETTE
since 20212.326.017.834
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57462A0281/00T053 | Wallonia | 1,543 m² | 1 · 1,454 m² | 17.4 m · 4 fl. |
| 57089C0480/02B002indicative | Wallonia | 618 m² | 1 · 110 m² | 4.8 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 238 companies in sector 66290 we hold annual accounts for 146. 86 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded07-12-2021
Fiscal year end31-12
Activities, NACEBEL 2025
66290Activities auxiliary to financial services and insurance activities
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
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Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.