BENNAYO
ActiveSummary
The computed 12-month bankruptcy probability of BENNAYO is 9.6% (elevated). For BENNAYO, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show negative equity (€-16k) and a net result of €-20k. Its solvency ranks better than 20% of 17999 sector peers (fiscal year 2023). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Bankruptcy probability: Elevated
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2022
Profitability0▼-8
Solvency2▼-27
Growth32
Track record94
Bankruptcy probability, 12 months
9.6%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 2023Solvency, return and age of the figures
Solvency
-23.1%
Return on assets
-27.9%
Age of the figures
33 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 2 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline25-09-2026 today
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 04-11-2024, 96 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 2 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
96 d late
2022
156 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2023, micro schema
Equity
€-16k
2022 · €3k
2022: €3k
2023: €-16k▼ -587% vs 2022
2022 → 2023
Total assets
€70k▼ 13.2%
2022 · €81k
2022: €81k
2023: €70k▼ -13.2% vs 2022
2022 → 2023
Net result
€-20k▼ 194%
2022 · €-7k
2022: €-7k
2023: €-20k▼ -194% vs 2022
2022 → 2023
Working capital
€-36k▼ 282%
2022 · €-9k
2022: €-9k
2023: €-36k▼ -282% vs 2022
2022 → 2023
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023Trend
Equity€3k-€-16k
2022: €3k
2023: €-16k▼ -587% vs 2022
Operating result€-6k-€-19k▼ 228%
2022: €-6k
2023: €-19k▼ -228% vs 2022
Net result€-7k-€-20k▼ 194%
2022: €-7k
2023: €-20k▼ -194% vs 2022
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €19k in 2023 against €6k in 2022; the loss grows.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €70k
Fixed assets
€58k ▼ 3.8%
Current assets
€12k ▼ 41.4%
Key figures and ratios
EBITDA
€-12k▼
2022 · €-2k
Cash flow
€-13k▼
2022 · €-3k
Solvency
-23.1%▼
2022 · 4.1%
Current ratio
0.25▼
2022 · 0.68
Quick ratio
0.19▼
2022 · 0.58
Debt to equity
-5.33▼
2022 · 23.28
ROA
-27.9%▼
2022 · -8.2%
Interest coverage
-15.45▼
2022 · -2.57
Debt
€87k▲
2022 · €78k
Debt ≤ 1 year
€48k▲
2022 · €30k
Debt > 1 year
€39k▼
2022 · €48k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2023 against 2022 · 44 lines
Balance sheet
Code20222023
Assets
Total assets20/58€81k€70k▼
Fixed assets21/28€61k€58k▼
Intangible fixed assets21€47k€42k▼
Tangible fixed assets22/27€9k€12k▲
Plant, machinery and equipment23€3k€7k▲
Furniture and vehicles24€899€699▼
Other tangible fixed assets26€5k€4k▼
Financial fixed assets28€4k€4k=
Current assets29/58€20k€12k▼
Stocks and contracts in progress3€3k€3k▼
Stocks30/36€3k€3k▼
Amounts receivable within one year40/41€13k€3k▼
Other amounts receivable41€13k€3k▼
Current investments50/53€104-
Cash at bank and in hand54/58€3k€6k▲
Deferred charges and accrued income490/1€576-
Equity and liabilities
Total equity and liabilities10/49€81k€70k▼
Equity10/15€3k€-16k▼
Contributions10/11€10k€10k=
Profit (loss) carried forward14€-7k€-26k▼
Amounts payable17/49€78k€87k▲
Amounts payable after more than one year17€48k€39k▼
Financial debts170/4€48k€39k▼
Amounts payable within one year42/48€30k€48k▲
Current portion of amounts payable after more than one year42€9k€19k▲
Trade debts44€16k€18k▲
Suppliers440/4€16k€18k▲
Taxes, remuneration and social security45€2k€11k▲
Taxes450/3€2k€11k▲
Other amounts payable47/48€2k-
Accrued charges and deferred income492/3-€234
Income statement
Code20222023
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€7k▲
Other operating charges640/8€409€4k▲
Gross operating margin9900€-2k€-9k▼
Operating profit (loss)9901€-6k€-19k▼
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€919€784▼
Recurring financial charges65€919€784▼
Profit (loss) for the period before taxes9903€-7k€-20k▼
Profit (loss) for the period9904€-7k€-20k▼
Profit (loss) for the period to be appropriated9905€-7k€-20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€-26k▼
Profit (loss) brought forward from the previous period14P-€-7k
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2022 | 2023 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3k | €7k | ▲ 98.3% |
| Other operating charges640/8 | €409 | €4k | ▲ 756% |
| Gross operating margin9900 | €-2k | €-9k | ▼ 340% |
| Operating profit (loss)9901 | €-6k | €-19k | ▼ 228% |
| Financial income75/76B | €1 | - | - |
| Recurring financial income75 | €1 | - | - |
| Financial charges65/66B | €919 | €784 | ▼ 14.7% |
| Recurring financial charges65 | €919 | €784 | ▼ 14.7% |
| Profit (loss) for the period before taxes9903 | €-7k | €-20k | ▼ 194% |
| Profit (loss) for the period9904 | €-7k | €-20k | ▼ 194% |
| Profit (loss) for the period to be appropriated9905 | €-7k | €-20k | ▼ 194% |
| Line | 2022 | 2023 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €81k | €70k | ▼ 13.2% |
| Fixed assets21/28 | €61k | €58k | ▼ 3.8% |
| Intangible fixed assets21 | €47k | €42k | ▼ 10.5% |
| Tangible fixed assets22/27 | €9k | €12k | ▲ 29.3% |
| Plant, machinery and equipment23 | €3k | €7k | ▲ 143% |
| Furniture and vehicles24 | €899 | €699 | ▼ 22.2% |
| Other tangible fixed assets26 | €5k | €4k | ▼ 22.2% |
| Financial fixed assets28 | €4k | €4k | = |
| Current assets29/58 | €20k | €12k | ▼ 41.4% |
| Stocks and contracts in progress3 | €3k | €3k | ▼ 4.5% |
| Stocks30/36 | €3k | €3k | ▼ 4.5% |
| Amounts receivable within one year40/41 | €13k | €3k | ▼ 78.6% |
| Other amounts receivable41 | €13k | €3k | ▼ 78.6% |
| Current investments50/53 | €104 | - | - |
| Cash at bank and in hand54/58 | €3k | €6k | ▲ 91.1% |
| Deferred charges and accrued income490/1 | €576 | - | - |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €81k | €70k | ▼ 13.2% |
| Equity10/15 | €3k | €-16k | ▼ 587% |
| Contributions10/11 | €10k | €10k | = |
| Profit (loss) carried forward14 | €-7k | €-26k | ▼ 294% |
| Amounts payable17/49 | €78k | €87k | ▲ 11.4% |
| Amounts payable after more than one year17 | €48k | €39k | ▼ 19.3% |
| Financial debts170/4 | €48k | €39k | ▼ 19.3% |
| Amounts payable within one year42/48 | €30k | €48k | ▲ 60.4% |
| Current portion of amounts payable after more than one year42 | €9k | €19k | ▲ 103% |
| Trade debts44 | €16k | €18k | ▲ 7.6% |
| Suppliers440/4 | €16k | €18k | ▲ 7.6% |
| Taxes, remuneration and social security45 | €2k | €11k | ▲ 406% |
| Taxes450/3 | €2k | €11k | ▲ 406% |
| Other amounts payable47/48 | €2k | - | - |
| Accrued charges and deferred income492/3 | - | €234 | - |
| Line | 2022 | 2023 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €-7k | €-20k | ▼ 194% |
| + Depreciation and write-downs630 | €3k | €7k | ▲ 98.3% |
| Operating cash flow (approximation) | €-3k | €-13k | ▼ 293% |
| Investment in fixed assets (approximation) | - | €-4k | - |
| Change in cash | - | €3k | - |
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
2026
07-08
State Gazette act
Resignation: Duffeleer Niels (non-statutory director)2 facts ▸
State Gazette act
Resignation: Duffeleer Niels (non-statutory director)
2 facts ▸
- General meeting, 25/06/2026
- Director resignation, Duffeleer Niels (non-statutory director)
2024
04-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 96 days late
03-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 156 days late
State Gazette actNBB filing
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
no sitting director, last change in 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
01-07-2026
Resigned as Non-statutory director
Not every act has been read: a resignation may be missing here
1 of this company's 2 Belgian State Gazette acts has not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Geraardsbergen · 1 establishment unit since 2022
Ground area
248 m²
Building footprint
246 m²
Volume, LiDAR
2,548 m³
Parcel 41018A0835/00P000, Flanders · tallest building 16.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
BENNAYO
since 20222.332.918.789
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41018A0835/00P000 | Flanders | 248 m² | 1 · 246 m² | 16.2 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
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 14,009 companies in sector 56301 we hold annual accounts for 4,892. 2,329 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
Founded29-06-2022
Fiscal year end31-12
Activities, NACEBEL 2025
56301Cafés and bars
Scores and ratios are computed by Checked and are not a credit decision.