Turnover
≈ €220,000 estimated
The micro format states no turnover.
BENMO
Overview
Lifetime
1 annual account with figurespeak €35,194 (2025)
€35,194
peak €8,982 (2025)
€8,982
peak €13,982 (2025)
€13,982
€24,774
Board1 name since 2024
1 directorBENCHAGRA Mohamed
Documentsfilings and deeds
30-09-202661 days late
2025micro format
First year with figures
Key points
from the 2025 annual accountsStarting capital
€5,000 100 shares
Position in the sector
€13,982
Less equity than 80% of companies in specialised construction. Sector median €57,691 · 35,148 companies.
2025 accounts filed 61 days after the deadline
Checked score
55
Fair
Financially stronger than 61% of micro companies in specialised construction (NACE 43)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
1.9% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2025: 1.9%lowest value
12-2025: 1.9%● unchanged vs 11-2025lowest value
01-2026: 2.0%▲ +0.1 percentage points vs 12-2025
02-2026: 2.3%▲ +0.3 percentage points vs 01-2026
03-2026: 2.4%▲ +0.1 percentage points vs 02-2026
04-2026: 2.7%▲ +0.3 percentage points vs 03-2026
05-2026: 2.7%● unchanged vs 04-2026
06-2026: 3.0%▲ +0.3 percentage points vs 05-2026
07-2026: 3.0%● unchanged vs 06-2026
08-2026: 2.9%▼ -0.1 percentage points vs 07-2026
09-2026: 3.2%▲ +0.3 percentage points vs 08-2026highest value
10-2026: 1.9%▼ -1.3 percentage points vs 09-2026
11-2026: 1.9%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2024
Last filed accounts filed 61 days late; 1 of the last 3 accounts late
Size: total assets €38,755
lowers risk
Liquidity: current ratio 1.32, cash €14,855
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 38% of them on solvency, 62% on liquidity and 83% on profitability.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as BENMO has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of BENMO itself: 1.9% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for BENMO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.32, below the usual 1.5. Short-term debt is 63.9% and cash 38.3% of total assets. 63.9% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 61 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 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 · 1 filingDeviation from the deadline
2025
61 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1015550903
Incorporation
Founding capital of €5,000, 100 shares · Founder: BENCHAGRA Mohamed · Appointment: BENCHAGRA Mohamed (director) · published on 28-10-2024 · Gazette deed
First establishment
Dominikanenlaan 67, Genk
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BENMO Genk | €38,755 | €35,194 | 36.1% | - |
| TOITURES PEREMANS Anderlues | €40,377 | €36,426 | 82.0% | - |
| BPA. TOITURES La Louvière | €36,556 | €41,235 | 42.6% | - |
| Dakwerken Vandormael Duffel | €42,006 | €37,230 | 72.7% | - |
| MT TOITURE Manage | €38,877 | €31,430 | 44.7% | - |
| DM Construct + Aalst | €40,817 | €37,796 | 69.7% | - |
| CETINDAK Genk | €39,656 | €24,663 | 57.9% | - |
These companies have the same main activity as BENMO: roofing work (NACE 43410). They are comparable in size and age: total assets between €36,600 and €42,000, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 24-10-2024Normal situation
- Activity
- Roofing workNACE 43410and 5 others
- Establishment unit
- 2.366.187.1183600 Genk, since 24-10-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 01-09-2025
Insights on BENMO
The computed 12-month bankruptcy probability of BENMO is 1.9% (moderate). The 2025 annual accounts show equity of €13,982 and a net result of €8,982.
Its solvency ranks better than 38% of 35,136 sector peers (NACE 43, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 30-09-2026, 61 days late€35,194
€13,485
€8,982
€7,950
36.1%
1.32
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €220,000. Estimated: probably between €140,000 and €380,000.
Balance sheet
balance sheet total €38,755 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
36.1%
Higher than 38% of 35,136 companies in 2025.
1.32
Higher than 34% of 34,510 companies in 2025.
23.2%
Higher than 81% of 34,711 companies in 2025.
BENMO
Middle half of the sector
80% of the sector
Micro accounts in specialised construction (NACE 43)
Net result: middle half · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
38,755 | |
21/28 |
6,032 | |
22/27 |
6,032 | |
24 |
6,032 | |
29/58 |
32,723 | |
40/41 |
17,868 | |
40 |
16,316 | |
41 |
1,552 | |
54/58 |
14,855 | |
| Balance sheet: equity and liabilities | ||
10/49 |
38,755 | |
10/15 |
13,982 | |
10/11 |
5,000 | |
13 |
8,982 | |
133 |
8,982 | |
17/49 |
24,774 | |
42/48 |
24,774 | |
44 |
2,759 | |
440/4 |
2,759 | |
46 |
10,000 | |
45 |
7,476 | |
450/3 |
3,652 | |
454/9 |
3,824 | |
47/48 |
4,539 | |
| Income statement | ||
9900 |
35,194 | |
62 |
21,273 | |
630 |
166 | |
640/8 |
270 | |
9901 |
13,485 | |
75/76B |
11 | |
75 |
11 | |
65/66B |
863 | |
65 |
863 | |
9903 |
12,633 | |
67/77 |
3,652 | |
9904 |
8,982 | |
9905 |
8,982 | |
| Appropriation of the result | ||
9906 |
8,982 | |
691/2 |
8,982 | |
6921 |
8,982 | |
| Document | ||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 30-09-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 61 days after the deadline. Filed on 30 September 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00536752.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 30-09-2026 | 2026-00536752 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 13,651 | ||
| 9,148 | ||
| 6,198 | ||
| 7,950 | ||
| 36.1% | ||
| 1.32 | ||
| 1.77 | ||
| 64.2% | ||
| 23.2% | ||
| 15.82 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Tangible fixed assets | €6,198 |
| €166 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on BENMO
Debt's share of the balance-sheet total is 63.9%.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
since 24-10-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 30-09-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 28-10-2024
Mandates through the years
1 name, the dashed line is todayBENCHAGRA Mohamed
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- BENCHAGRA Mohamed
- Director (not named in the articles), from 24-10-2024 to date
Control
Capital
- Contribution
- €5,000
- Shares
- 100
- Contribution per share
- €50
- Equity per share
- €140 in 2025
- Source
- deed of 28-10-2024
Articles of association
deed of 28-10-2024 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Tuesday of June
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 28-10-2024 ↗
- BENCHAGRA Mohamed 100 shares (100%) · €5,000
Network & group
No group
BENMO has no parent and no holdings in its annual accounts. BENCHAGRA Mohamed is the only director. BENMO shares no director with another company.
Timeline
Timeline
4 events since 2024Filings
Establishments
202420252026
2026
Annual accounts 2025 filed NBBmicro format · 61 days late
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1015550903
2024
IncorporationFounding capital of €5,000, 100 shares · Founder: BENCHAGRA Mohamed · Appointment: BENCHAGRA Mohamed (director) · published on 28-10-20245 points ▸
- Registered office clause, Dominikanenlaan 67, 3600 Genk
- Board rule, 1
- Director appointment, BENCHAGRA Mohamed (director (not named in the articles))
- Founder, BENCHAGRA Mohamed
- Founding capital, €5,000, 100 shares
- The deed holds 5 more points.
First establishment Dominikanenlaan 67, Genk
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1015.550.903
- VAT number
- BE 1015.550.903
- Peppol ID
- 0208:1015550903
- Other Peppol ID
- 9925:BE1015550903
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 24-10-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Tuesday of Junedeed of 28-10-2024 (in Dutch)
- Peppol
- Reachable since 01-09-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- BENMO in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 28-10-2024 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 28-10-2024 (in Dutch)
Activities
NACEBEL 2025VAT activities
43410
Roofing work main activity
43230
Insulation installation
43320
Joinery installation
Social security (RSZ) activities
43410
Roofing work main activity
Codes under NACEBEL 2008
VAT activities
43910
Specialised construction activities main activity
43291
Specialised construction activities
43320
Joinery installation
43390
Specialised construction activities
47599
Retail trade
47910
Retail trade
Social security (RSZ) activities
43910
Specialised construction activities main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Het optrekken van de ruwbouw van gebouwen en de structuur van civieltechnische werken,inclusief het gieten van gewapend beton en het…”deed of 28-10-2024 (in Dutch)
34 activities
- Het optrekken van de ruwbouw van gebouwen en de structuur van civieltechnische werken,inclusief het gieten van gewapend beton en het uitvoeren van metselwerken
- Het optrekken van de ruwbouw van individuele huizen
- Het optrekken van de ruwbouw van gebouwen met celstructuur,appartementsgebouwen,kantoorgebouwen,enz.
- De bouw van daken,het plaatsen van dakbedekking van ongeacht welk materiaal en het plaatsen van dakgoten en regenafvoerbuizen
- Onderneming voor het bouwen van funderingen,inclusief heien
- Onderneming voor het uitvoeren van metselwerk
- Onderneming voor het plaatsen van chape
- Onderneming voor het uitvoeren van elektriciteitswerken
- Onderneming voor het uitvoeren van laswerken
- Onderneming voor het uitvoeren van voegwerken
- Onderneming voor de installatie van elektrische bedrading en toebehoren
- Onderneming voor de installatie van elektrische verwarmingsinstallaties
- Het aanbrengen in gebouwen en andere bouwwerken van thermisch isolatiemateriaal,isolatiemateriaal tegen geluid en trillingen
- Isolatiewerkzaamheden aan verwarmingsleidingen en leidingen van koelsystemen
- Isolatie van koelkamers en -pakhuizen
- De installatie in gebouwen en andere bouwwerken van apparatuur (inclusief regelapparatuur) en leidingen voor verwarming,ventilatie,koeling en klimaatregeling
- De installatie in gebouwen en andere bouwwerken van waterleidingen,artikelen en apparaten voor sanitair gebruik,sprinklerinstallaties,gasaansluitingen,leidingen voor diverse gassen
- Het aanbrengen van pleister- en stukadoorswerk (inclusief het aanbrengen van een hechtgrond) aan de binnen- of buitenzijde van andere bouwwerken
- Het aanbrengen van tussenwanden van gipsplaten
- Het plaatsen van behang
- Het aanbrengen in gebouwen en andere bouwwerken van: vloer- of wandtegels van keramische stoffen,beton of gehouwen steen,vloerbedekking en wandbekleding van terrazzo,marmer,graniet of lei
- Het aanbrengen in gebouwen en andere bouwwerken van: parket en andere houtenvloerbedekking,tapijt en vloerbedekking van linoleum,rubber of kunststof
- Het schilderen van het binnen- en buitenwerk van gebouwen
- Het behandelen van muren met vochtwerende en waterafstotende producten
- Het schilderen van metalen constructies
- De installatie van binnendeuren,scheidingswanden enz.
- Het reinigen van nieuwe gebouwen na beëindiging van de bouwwerkzaamheden
- Projectontwikkeling voor de nieuwbouw van individuele woningen of voor renovatiewerken
- Projectontwikkeling voor de bouw van appartementsgebouwen
- Projectontwikkeling voor kantoorbouw
- De handel in eigen onroerend goed: flatgebouwen,woningen,niet voor bewoning bestemde gebouwen,grond
- De verhuur van al dan niet gemeubelde appartementen en huizen
- De verhuur van niet residentiele gebouwen zoals kantoorgebouwen,handelspanden,tentoonstellingsruimten,enz.
- De verhuur per jaar van garageboxen en staanplaatsen voor auto’s
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Dominikanenlaan 67 registered office 3600 Genk | 24-10-2024 | 2.366.187.118 |
Buildings and parcels at the address
- Ground area
- 696 m²
- Buildings
- 60 m²
- Volume, LiDAR
- 396 m³
- Tallest building
- 9.1 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 71305F0014/00V059 | 696 m² | 1 · 60 m² | 9.1 m · 2 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 1015.550.903