Summary
BENOIT DEMARCHE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €440k and a net result of €69k. Equity is growing by ~35.4% per year across the filed fiscal years. Its solvency ranks better than 46% of 109 sector peers (fiscal year 2026). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 18-09-2026, 43 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
43 d early
2025
31 d early
2024
43 d early
2023
20 d early
2022
34 d early
2021
55 d early
2020
47 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-03-2027 close31-10-2027 deadline
History
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Financials · fiscal year 2026, abbreviated schema
Equity
€440k▼ 36.4%
2025 · €692k
Net result
€69k▼ 58.1%
2025 · €164k
Total assets
€783k▲ 6.4%
2025 · €736k
Solvency
56.2%▼ 37.8pp
2025 · 94.0%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20222023202420252026
Operating result€62k▲ 894%€29k▼ 52.7%€-9k€36k€20k▼ 46.3%
Net result€156k▲ 49.4%€170k▲ 9.0%€151k▼ 11.3%€164k▲ 8.6%€69k▼ 58.1%
Equity€272k▲ 51.7%€379k▲ 39.3%€531k▲ 39.9%€692k▲ 30.4%€440k▼ 36.4%
Total assets€418k▲ 76.1%€488k▲ 16.9%€586k▲ 19.9%€736k▲ 25.7%€783k▲ 6.4%
Debt€145k▲ 152%€109k▼ 24.9%€55k▼ 49.5%€44k▼ 19.9%€343k▲ 678%
Working capital€268k▲ 30.7%€338k▲ 26.0%€472k▲ 39.5%€646k▲ 37.0%€409k▼ 36.6%
Solvency65.2%▼ 10.5pp77.7%▲ 12.4pp90.6%▲ 12.9pp94.0%▲ 3.4pp56.2%▼ 37.8pp
Staff (FTE)
Result per fiscal year
Operating resultNet result
The operating result falls in 2026; 2026 is 46% below 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €783k
Fixed assets
€31k ▼ 47.0%
Current assets
€752k ▲ 11.0%
Equity and liabilities €783k
Equity
€440k ▼ 36.4%
Debt
€343k ▲ 678%
Debt's share of the balance-sheet total rises from 6.0% to 43.8%. Equity is lower and debt is higher.
Key figures and ratios
ROE
15.6%▼
2025 · 23.7%
ROA
8.8%▼
2025 · 22.3%
Debt ≤ 1 year
€343k▲
2025 · €32k
Income taxes
€20k▼
2025 · €35k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5k | €24k | €27k | €27k | €27k | ▼ 0.6% |
| Other operating charges640/8 | €2k | €7k | €2k | €2k | €2k | ▲ 7.0% |
| Gross operating margin9900 | €69k | €60k | €21k | €65k | €48k | ▼ 25.8% |
| Operating profit (loss)9901 | €62k | €29k | €-9k | €36k | €20k | ▼ 46.3% |
| Financial income75/76B | €120k | €163k | €179k | €163k | €70k | ▼ 57.1% |
| Recurring financial income75 | €120k | €163k | €179k | €163k | €70k | ▼ 57.1% |
| Financial charges65/66B | €2k | €2k | €3k | €338 | €202 | ▼ 40.4% |
| Recurring financial charges65 | €2k | €2k | €3k | €338 | €202 | ▼ 40.4% |
| Profit (loss) for the period before taxes9903 | €180k | €190k | €168k | €199k | €89k | ▼ 55.2% |
| Income taxes67/77 | €24k | €19k | €17k | €35k | €20k | ▼ 41.8% |
| Profit (loss) for the period9904 | €156k | €170k | €151k | €164k | €69k | ▼ 58.1% |
| Profit (loss) for the period to be appropriated9905 | €156k | €170k | €151k | €164k | €69k | ▼ 58.1% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €418k | €488k | €586k | €736k | €783k | ▲ 6.4% |
| Fixed assets21/28 | €87k | €112k | €84k | €58k | €31k | ▼ 47.0% |
| Tangible fixed assets22/27 | €84k | €109k | €81k | €55k | €28k | ▼ 49.6% |
| Plant, machinery and equipment23 | - | €3k | €3k | €2k | €1k | ▼ 37.7% |
| Furniture and vehicles24 | €84k | €105k | €79k | €53k | €27k | ▼ 50.0% |
| Financial fixed assets28 | €3k | €3k | €3k | €3k | €3k | = |
| Current assets29/58 | €330k | €377k | €501k | €678k | €752k | ▲ 11.0% |
| Amounts receivable within one year40/41 | - | - | €148k | €244k | €409k | ▲ 67.3% |
| Trade receivables40 | - | - | - | - | €4k | - |
| Other amounts receivable41 | - | - | €148k | €244k | €405k | ▲ 65.6% |
| Current investments50/53 | €100k | €183k | €149k | €251k | €269k | ▲ 7.4% |
| Cash at bank and in hand54/58 | €89k | €14k | €11k | €12k | €4k | ▼ 66.7% |
| Deferred charges and accrued income490/1 | €141k | €180k | €193k | €171k | €70k | ▼ 59.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €418k | €488k | €586k | €736k | €783k | ▲ 6.4% |
| Equity10/15 | €272k | €379k | €531k | €692k | €440k | ▼ 36.4% |
| Contributions10/11 | €30k | €30k | €33k | €33k | €33k | = |
| Reserves13 | €242k | €349k | €498k | €659k | €407k | ▼ 38.2% |
| Non-distributable reserves130/1 | €3k | €3k | - | - | - | - |
| Reserves not available under the articles1311 | €3k | €3k | - | - | - | - |
| Distributable reserves133 | €239k | €346k | €498k | €659k | €407k | ▼ 38.2% |
| Amounts payable17/49 | €145k | €109k | €55k | €44k | €343k | ▲ 678% |
| Amounts payable after more than one year17 | €83k | €70k | €25k | €12k | - | - |
| Financial debts170/4 | €83k | €70k | €25k | €12k | - | - |
| Amounts payable within one year42/48 | €62k | €39k | €30k | €32k | €343k | ▲ 975% |
| Current portion of amounts payable after more than one year42 | €13k | €13k | €13k | €13k | €12k | ▼ 7.4% |
| Trade debts44 | €1k | €944 | €4k | €2k | €1k | ▼ 36.6% |
| Suppliers440/4 | €1k | €944 | €4k | €2k | €1k | ▼ 36.6% |
| Taxes, remuneration and social security45 | €14k | €15k | €13k | €14k | €28k | ▲ 103% |
| Taxes450/3 | €14k | €15k | €13k | €14k | €28k | ▲ 103% |
| Other amounts payable47/48 | €33k | €9k | - | €3k | €301k | ▲ 11,636% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €156k | €170k | €151k | €164k | €69k | ▼ 58.1% |
| + Depreciation and write-downs630 | €5k | €24k | €27k | €27k | €27k | ▼ 0.6% |
| Operating cash flow (approximation) | €161k | €194k | €178k | €192k | €96k | ▼ 49.8% |
| Investment in fixed assets (approximation) | - | €-48k | €0 | €-1k | €0 | ▲ 100% |
| Change in cash | - | €-75k | €-3k | €1k | €-8k | ▼ 883% |
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
Next filing, fiscal year 2027, expected by
2026
18-09
NBB filing
Annual accounts filed
fiscal year 2026 · abbreviated schema
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2024
18-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Equity above €500kEq €531k ▲39.9%
6 profitable years in a row build equity to €531k.
2023
11-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
31-03
Financial
Highest result since 2019net €170k ▲9%
Net result €170k, the highest in the series.
2022
27-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
31-03
Financial
Equity above €200kEq €272k ▲51.7%
4 profitable years in a row build equity to €272k.
2021
06-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
31-03
Financial
Equity above €150kEq €180k ▲52.3%
3 profitable years in a row build equity to €180k.
2020
14-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
13-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
24-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
21-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Hamoir · 1 establishment unit since 2006
Ground area
1,511 m²
Building footprint
196 m²
Volume, LiDAR
1,444 m³
2 parcels, Wallonia · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
BNP PARIBAS - FORTIS
since 20062.219.514.606
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63080F0189/00V000 | Wallonia | 813 m² | 1 · 66 m² | 8.2 m · 2 fl. |
| 61024A0258/00V000 | Wallonia | 697 m² | 1 · 130 m² | 11.1 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,730 companies in sector 64210 we hold annual accounts for 19,772. 13,708 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
Founded19-01-2006
Fiscal year end31-03
Activities, NACEBEL 2025
64210Activities of holding companies
66191Agents and brokers in banking services
66290Activities auxiliary to financial services and insurance activities
70100Activities of head offices
Scores and ratios are computed by Checked and are not a credit decision.