BENNY
ActiveSummary
The computed 12-month bankruptcy probability of BENNY is 2.1% (moderate). The 2024 annual accounts show negative equity (€-20k) and a net result of €-8k. Equity is shrinking by ~44.7% per year across the filed fiscal years. Its solvency ranks better than 14% of 18941 sector peers (fiscal year 2024). The company has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
30
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-98
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.52 against 0.64 in 2023; short-term debt: 162.6% and cash: 57.1% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Five 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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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 2024Solvency, return and age of the figures
Solvency
-62.6%
Return on assets
-23.4%
Age of the figures
21 mo
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 · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €-20k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-06-2025, 41 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
41 d early
2023
15 d early
2022
38 d early
2021
41 d early
2020
36 d early
2019
36 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€-20k▼ 59.5%
2023 · €-13k
2018: €13k
2019: €8k
2020: €-3k
2021: €-13k
2022: €-21k
2023: €-13k
2018 → 2024
Total assets
€33k▼ 2.5%
2023 · €33k
2018: €39k
2019: €28k
2020: €17k
2021: €20k
2022: €25k
2023: €33k
2018 → 2024
Net result
€-8k
2023 · €8k
2018: €12k
2019: €-5k
2020: €-11k
2021: €-9k
2022: €-8k
2023: €8k
2018 → 2024
Working capital
€-25k▼ 51.3%
2023 · €-17k
2018: €684
2019: €-198
2020: €-12k
2021: €-19k
2022: €-24k
2023: €-17k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-3k-€-13k▼ 312%€-21k▼ 64.0%€-13k▲ 38.0%€-20k▼ 59.5%
Operating result€-10k-€-8k▲ 20.4%€-7k▲ 17.5%€9k€-7k
Net result€-11k-€-9k▲ 15.2%€-8k▲ 15.5%€8k€-8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €7k after €9k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €33k
Fixed assets
€5k ▲ 24.7%
Current assets
€28k ▼ 6.2%
Key figures and ratios
EBITDA
€-5k▼
2023 · €10k
Cash flow
€-5k▼
2023 · €10k
Solvency
-62.6%▼
2023 · -38.2%
Current ratio
0.52▼
2023 · 0.64
Quick ratio
0.45▼
2023 · 0.57
Debt to equity
-2.60▲
2023 · -3.61
ROA
-23.4%▼
2023 · 23.4%
Interest coverage
-22.94▼
2023 · 12.22
Debt
€53k▲
2023 · €46k
Debt ≤ 1 year
€53k▲
2023 · €46k
Staff costs
€120k▲
2023 · €92k
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 · 2024 against 2023 · 41 lines
Balance sheet
Code20232024
Assets
Total assets20/58€33k€33k▼
Fixed assets21/28€4k€5k▲
Tangible fixed assets22/27€4k€5k▲
Plant, machinery and equipment23€4k€5k▲
Financial fixed assets28€74€74=
Current assets29/58€29k€28k▼
Stocks and contracts in progress3€3k€4k▲
Stocks30/36€3k€4k▲
Amounts receivable within one year40/41€197-
Trade receivables40€197-
Cash at bank and in hand54/58€21k€19k▼
Deferred charges and accrued income490/1€5k€5k▲
Equity and liabilities
Total equity and liabilities10/49€33k€33k▼
Equity10/15€-13k€-20k▼
Contributions10/11€19k€19k=
Reserves13€11k€11k=
Tax-exempt reserves132€3k€3k=
Distributable reserves133€8k€8k=
Profit (loss) carried forward14€-43k€-50k▼
Amounts payable17/49€46k€53k▲
Amounts payable within one year42/48€46k€53k▲
Trade debts44€20k€19k▼
Suppliers440/4€20k€19k▼
Taxes, remuneration and social security45€16k€30k▲
Taxes450/3€6k€8k▲
Remuneration and social security454/9€10k€22k▲
Other amounts payable47/48€10k€4k▼
Income statement
Code20232024
Remuneration, social security and pensions62€92k€120k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€105k€118k▲
Operating profit (loss)9901€9k€-7k▼
Financial income75/76B€21-
Recurring financial income75€21-
Financial charges65/66B€857€207▼
Recurring financial charges65€857€207▼
Profit (loss) for the period before taxes9903€8k€-8k▼
Profit (loss) for the period9904€8k€-8k▼
Profit (loss) for the period to be appropriated9905€8k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-43k€-50k▼
Profit (loss) brought forward from the previous period14P€-51k€-43k▲
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
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €8k
Net result €8k after 4 loss-making years.
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-11k
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
19-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Antwerpen · 1 establishment unit since 1985
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.
Tabakvest 872000 AntwerpenGround area
73 m²
Building footprint
66 m²
Volume, LiDAR
1,068 m³
Parcel 11803C0718/00D000, Flanders · tallest building 18.3 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
CAFE BUFFALD
since 19852.047.452.937
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11803C0718/00D000 | Flanders | 73 m² | 1 · 66 m² | 18.3 m · 6 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.
Similar companies · same sector, comparable size
Viventi
BE 0757.594.249
Antwerpen · Eq €8,131
LA SIRENE DU SAHEL
BE 0691.609.307
Brussel · Eq €8,188
ERDIT-2011
BE 0742.637.641
Sint-Pieters-Leeuw · Eq €8,194
MAGNUM BAR
BE 0750.924.609
Verviers · Eq €8,124
TOOR & CO
BE 0686.810.577
Lontzen · Eq €8,202
Of 14,018 companies in sector 56301 we hold annual accounts for 4,891. 3,314 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-12-1984
Fiscal year end31-12
Activities, NACEBEL 2025
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.