BENJO
ActiveBENJO has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €529k and a net result of €-137k. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 27% of 7921 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability13▲+13
Solvency32▼-68
Growth32=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days only on tighter terms
Liquidity tight (current ratio 1.16 against 19.24 in 2024), and 78.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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 →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€137k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-08-2026, 10 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 · 10 filingsDeviation from the deadline
2025
10 d late
2024
62 d late
2023
31 d early
2022
31 d late
2021
92 d late
2020
31 d late
2019
91 d late
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€1.11M
EBIT margin
6.0%
Net result
€-137k▼ 101%
2024 · €-68k
2018: €9k
2019: €33k
2020: €-10k
2021: €5k
2022: €-128k
2023: €-3k
2024: €-68k
2018 → 2025
Working capital
€293k▼ 86.2%
2024 · €2.13M
2018: €2.38M
2019: €2.42M
2020: €2.40M
2021: €2.35M
2022: €2.24M
2023: €2.19M
2024: €2.13M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€1.11M
Equity€2.57M-€2.44M▼ 5.0%€2.44M▼ 0.1%€2.37M▼ 2.8%€529k▼ 77.6%
Operating result€24k-€-81k€-19k▲ 76.2%€-67k▼ 250%€67k
Net result€5k-€-128k€-3k▲ 97.3%€-68k▼ 1,887%€-137k▼ 101%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €67k after a loss of €67k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.46M
Fixed assets
€382k▲ 26.3%
Current assets
€2.08M▼ 7.4%
Equity and liabilities €2.46M
Equity
€529k▼ 77.6%
Debt
€1.93M▲ 964%
The debt ratio rises from 7.1% to 78.5%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€86k▲
2024 · €-39k
Cash flow
€-118k▼
2024 · €-39k
Solvency
21.5%▼
2024 · 92.9%
Current ratio
1.16▼
2024 · 19.24
Quick ratio
1.06▼
2024 · 17.36
Debt / equity
3.65▲
2024 · 0.08
ROE
-26.0%▼
2024 · -2.9%
ROA
-5.6%▼
2024 · -2.7%
Interest coverage
0.30▲
2024 · -0.66
Debt
€1.93M▲
2024 · €182k
Debt ≤ 1 year
€1.79M▲
2024 · €117k
Debt > 1 year
€146k▲
2024 · €65k
Income taxes
€18k▲
2024 · €515
Staff costs
€111k▼
2024 · €202k
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€2.55M€2.46M▼
Fixed assets21/28€303k€382k▲
Tangible fixed assets22/27€302k€382k▲
Land and buildings22€285k€381k▲
Plant, machinery and equipment23€366-
Furniture and vehicles24€17k€2k▼
Financial fixed assets28€900-
Current assets29/58€2.25M€2.08M▼
Stocks and contracts in progress3€220k€180k▼
Stocks30/36€220k€180k▼
Amounts receivable within one year40/41€318k€1.84M▲
Trade receivables40€94k€143k▲
Other amounts receivable41€224k€1.70M▲
Current investments50/53€1.63M-
Cash at bank and in hand54/58€59k€57k▼
Deferred charges and accrued income490/1€15k-
Equity and liabilities
Total equity and liabilities10/49€2.55M€2.46M▼
Equity10/15€2.37M€529k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€2.46M€467k▼
Non-distributable reserves130/1€31k€31k=
Legal reserve130€31k€31k=
Distributable reserves133€2.43M€437k▼
Profit (loss) carried forward14€-157k-
Amounts payable17/49€182k€1.93M▲
Amounts payable after more than one year17€65k€146k▲
Financial debts170/4€65k€140k▲
Other amounts payable178/9-€7k
Amounts payable within one year42/48€117k€1.79M▲
Current portion of amounts payable after more than one year42€12k€25k▲
Trade debts44€83k€17k▼
Suppliers440/4€83k€17k▼
Taxes, remuneration and social security45€22k€44k▲
Taxes450/3€6k€35k▲
Remuneration and social security454/9€17k€9k▼
Other amounts payable47/48-€1.70M
Income statement
Code20242025
Turnover70-€1.11M
Non-recurring operating income76A€6k€2k▼
Goods, raw materials, services and sundry goods60/61-€919k
Remuneration, social security and pensions62€202k€111k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€20k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-14k€-13k▲
Other operating charges640/8€12k€10k▼
Non-recurring operating charges66A€2k-
Gross operating margin9900€164k€195k▲
Operating profit (loss)9901€-67k€67k▲
Financial income75/76B€58k€101k▲
Recurring financial income75€58k€101k▲
Financial charges65/66B€58k€287k▲
Recurring financial charges65€58k€287k▲
Profit (loss) for the period before taxes9903€-68k€-119k▼
Income taxes67/77€515€18k▲
Profit (loss) for the period9904€-68k€-137k▼
Profit (loss) for the period to be appropriated9905€-68k€-137k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-157k€-294k▼
Profit (loss) brought forward from the previous period14P€-89k€-157k▼
Transfer from equity791/2-€1.99M
Profit to be distributed694/7-€1.70M
Return on contributions (dividend)694-€1.70M
Social balance
Average headcount (FTE)90875.4-
The notes to these accounts (7 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
10-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 10 days late
2025
31-12
Financial
Weakest financial yearnet €-137k
Net result drops to €-137k, the lowest in the series.
01-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 62 days late
2024
30-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 92 days late
2021
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 91 days late
2019
31-12
Financial
Highest result since 2018net €33k ▲283%
Net result €33k, the highest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-06
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
11 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, Hasselt · 1 establishment unit since 1989
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.
Walenstraat 67-693500 HasseltGround area
4,055 m²
Building footprint
1,781 m²
Volume, LiDAR
7,655 m³
Parcel 71322A0393/00N000, Flanders · tallest building 5.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BENJO NV
since 19892.043.528.791
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71322A0393/00N000 | Flanders | 4,055 m² | 1 · 1,781 m² | 5.1 m · 1 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.
Recognitions · licences · registrations
Legal Entity Identifier
967600PPVQ7W3IVDTB96
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NECOTEX
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Of 683 companies in sector 46412 we hold annual accounts for 512. 376 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded12-05-1989
Fiscal year end31-12
Activities, NACEBEL
46412Wholesale of household textiles and bedding
51410
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.