BENNANI & C°
ActiveBENNANI & C° has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €95k and a net result of €30k. Equity is growing by ~17.3% per year across the filed fiscal years. Its solvency ranks better than 46% of 18024 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
91
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency58▼-8
Growth78=
Stability100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 1.55 against 1.7 in 2024), but 70.7% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
29.3%
Return on assets
9.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-09-2026, 41 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
41 d late
2024
134 d late
2023
90 d late
2022
59 d late
2021
70 d late
2020
68 d late
2019
90 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€95k▲ 28.3%
2024 · €74k
2018: €50k
2019: €31k
2020: €40k
2021: €43k
2022: €43k
2023: €63k
2024: €74k
2018 → 2025
Total assets
€322k▲ 41.0%
2024 · €229k
2018: €83k
2019: €51k
2020: €57k
2021: €116k
2022: €131k
2023: €217k
2024: €229k
2018 → 2025
Net result
€30k▲ 45.0%
2024 · €21k
2018: €11k
2019: €-19k
2020: €9k
2021: €3k
2022: €6k
2023: €44k
2024: €21k
2018 → 2025
Working capital
€103k▲ 22.7%
2024 · €84k
2018: €30k
2019: €15k
2020: €26k
2021: €65k
2022: €51k
2023: €68k
2024: €84k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€43k-€43k▲ 0.3%€63k▲ 46.7%€74k▲ 16.7%€95k▲ 28.3%
Operating result€6k-€9k▲ 48.0%€52k▲ 458%€28k▼ 45.8%€42k▲ 51.6%
Net result€3k-€6k▲ 85.5%€44k▲ 620%€21k▼ 53.4%€30k▲ 45.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 52% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €322k
Fixed assets
€32k▲ 30.7%
Current assets
€290k▲ 42.2%
Equity and liabilities €322k
Equity
€95k▲ 28.3%
Debt
€228k▲ 47.0%
The debt ratio rises from 67.8% to 70.7%: debt grows faster than equity.
Key figures and ratios
EBITDA
€58k▲
2024 · €36k
Cash flow
€45k▲
2024 · €29k
Solvency
29.3%▼
2024 · 32.2%
Current ratio
1.55▼
2024 · 1.70
Quick ratio
1.42▲
2024 · 1.32
Debt / equity
2.41▲
2024 · 2.10
ROE
31.6%▲
2024 · 27.9%
ROA
9.3%▲
2024 · 9.0%
Interest coverage
16.07▲
2024 · 13.93
Debt
€228k▲
2024 · €155k
Debt ≤ 1 year
€187k▲
2024 · €120k
Debt > 1 year
€41k▲
2024 · €35k
Income taxes
€9k▲
2024 · €5k
Staff costs
€72k▲
2024 · €63k
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€229k€322k▲
Fixed assets21/28€25k€32k▲
Tangible fixed assets22/27€10k€19k▲
Plant, machinery and equipment23€600€300▼
Furniture and vehicles24€7k€17k▲
Other tangible fixed assets26€3k€2k▼
Financial fixed assets28€14k€13k▼
Current assets29/58€204k€290k▲
Stocks and contracts in progress3€45k€25k▼
Stocks30/36€45k€25k▼
Amounts receivable within one year40/41€155k€261k▲
Trade receivables40€40k€96k▲
Other amounts receivable41€115k€165k▲
Cash at bank and in hand54/58€3k€3k=
Deferred charges and accrued income490/1-€896
Equity and liabilities
Total equity and liabilities10/49€229k€322k▲
Equity10/15€74k€95k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€53k€74k▲
Amounts payable17/49€155k€228k▲
Amounts payable after more than one year17€35k€41k▲
Financial debts170/4€35k€41k▲
Amounts payable within one year42/48€120k€187k▲
Current portion of amounts payable after more than one year42€20k€16k▼
Financial debts43€4k€6k▲
Credit institutions430/8€4k€6k▲
Trade debts44€68k€124k▲
Suppliers440/4€68k€124k▲
Taxes, remuneration and social security45€18k€31k▲
Taxes450/3€12k€27k▲
Remuneration and social security454/9€6k€4k▼
Other amounts payable47/48€10k€9k▼
Income statement
Code20242025
Remuneration, social security and pensions62€63k€72k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€15k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€20k
Other operating charges640/8€288€744▲
Non-recurring operating charges66A€5k€8k▲
Gross operating margin9900€105k€159k▲
Operating profit (loss)9901€28k€42k▲
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€25k€39k▲
Income taxes67/77€5k€9k▲
Profit (loss) for the period9904€21k€30k▲
Profit (loss) for the period to be appropriated9905€21k€30k▲
Appropriation of the result
Profit (loss) to be appropriated9906€63k€83k▲
Profit (loss) brought forward from the previous period14P€43k€53k▲
Profit to be distributed694/7€10k€9k▼
Directors or managers695€10k€9k▼
The notes to these accounts (8 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
10-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 41 days late
2025
12-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 134 days late
2024
29-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 90 days late
2023
31-12
Financial
Highest result since 2018net €44k ▲620%
Operating result €52k, net result €44k, both a record.
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 59 days late
2022
09-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 70 days late
2021
07-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 68 days late
2020
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
31-12
Financial
Weakest financial yearnet €-19k ▼268%
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 49 days late
2017
19-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 50 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Brussel · 1 establishment unit since 2019
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.
Donderberg 111120 BrusselGround area
388 m²
Building footprint
342 m²
Volume, LiDAR
3,737 m³
2 parcels, Brussels · tallest building 19.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
MANO
since 20192.295.284.472
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21802B0124/00S000 | Brussels | 287 m² | 1 · 280 m² | 19.2 m · 4 fl. |
| 21819C0122/00H002 | Brussels | 102 m² | 1 · 62 m² | 7.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Dual-learning approval
1 endedSimilar companies · same sector, comparable size
VAMAM
BE 0867.645.501
Tubize · Eq €95k
CAGIC
BE 0452.121.651
Temse · Eq €95k
Schoenen VEGRID
BE 0805.331.810
Geel · Eq €95k
TAPIA
BE 0470.401.005
Enghien · Eq €92k
Ricco
BE 0548.934.282
Geel · Eq €92k
Of 1,028 companies in sector 47721 we hold annual accounts for 581. 453 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-09-2004
Fiscal year end31-12
Activities, NACEBEL
47721Retail sale of footwear
47722Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.