BENOIT LACHAPELLE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €875k and a net result of €25k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 68% of 5498 sector peers (fiscal year 2025). The company has been active since 2016 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.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
9 d early
2023
8 d early
2022
11 d early
2021
13 d early
2020
3 d early
2019
7 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€875k▲ 3.0%
2024 · €850k
2018: €771k
2019: €782k
2020: €780k
2021: €780k
2022: €809k
2023: €834k
2024: €850k
2018 → 2025
Net result
€25k▲ 56.4%
2024 · €16k
2018: €742k
2019: €12k
2020: €-2k
2021: €93
2022: €29k
2023: €24k
2024: €16k
2018 → 2025
Total assets
€1.22M▼ 0.7%
2024 · €1.23M
2018: €1.54M
2019: €1.30M
2020: €1.26M
2021: €1.25M
2022: €1.24M
2023: €1.25M
2024: €1.23M
2018 → 2025
Solvency
71.5%▲ 2.6pp
2024 · 68.9%
2018: 50.0%
2019: 60.2%
2020: 61.9%
2021: 62.4%
2022: 65.2%
2023: 66.5%
2024: 68.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€780k-€809k▲ 3.7%€834k▲ 3.0%€850k▲ 1.9%€875k▲ 3.0%
Operating result€11k-€52k▲ 351%€47k▼ 8.7%€37k▼ 21.4%€43k▲ 16.7%
Net result€93-€29k▲ 31,179%€24k▼ 16.0%€16k▼ 34.1%€25k▲ 56.4%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 17% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.22M
Fixed assets
€1.22M=
Current assets
€8k▼ 52.7%
Equity and liabilities €1.22M
Equity
€875k▲ 3.0%
Debt
€349k▼ 9.0%
The debt ratio falls from 31.1% to 28.5%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
71.5%▲
2024 · 68.9%
ROE
2.9%▲
2024 · 1.9%
ROA
2.1%▲
2024 · 1.3%
Debt
€349k▼
2024 · €384k
Debt ≤ 1 year
€237k▲
2024 · €226k
Debt > 1 year
€112k▼
2024 · €157k
Income taxes
€7k▼
2024 · €12k
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€1.23M€1.22M▼
Fixed assets21/28€1.22M€1.22M=
Tangible fixed assets22/27€4k€4k▲
Furniture and vehicles24€4k€4k▲
Financial fixed assets28€1.21M€1.21M=
Current assets29/58€17k€8k▼
Amounts receivable within one year40/41€5k€0▼
Trade receivables40€0-
Other amounts receivable41€5k€0▼
Cash at bank and in hand54/58€10k€6k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€1.23M€1.22M▼
Equity10/15€850k€875k▲
Contributions10/11€12k€12k=
Reserves13€42k€863k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€41k€861k▲
Profit (loss) carried forward14€795k€0▼
Amounts payable17/49€384k€349k▼
Amounts payable after more than one year17€157k€112k▼
Financial debts170/4€157k€112k▼
Amounts payable within one year42/48€226k€237k▲
Current portion of amounts payable after more than one year42€45k€45k▲
Trade debts44€16k€369▼
Suppliers440/4€16k€369▼
Taxes, remuneration and social security45€9k€5k▼
Taxes450/3€6k€5k▼
Remuneration and social security454/9€3k€0▼
Other amounts payable47/48€157k€186k▲
Accrued charges and deferred income492/3€43€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€40k€47k▲
Operating profit (loss)9901€37k€43k▲
Financial income75/76B€28€0▼
Recurring financial income75€28€0▼
Financial charges65/66B€9k€11k▲
Recurring financial charges65€9k€11k▲
Profit (loss) for the period before taxes9903€28k€32k▲
Income taxes67/77€12k€7k▼
Profit (loss) for the period9904€16k€25k▲
Profit (loss) for the period to be appropriated9905€16k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€811k€820k▲
Profit (loss) brought forward from the previous period14P€795k€795k=
Transfer to equity691/2€16k€820k▲
To other reserves6921€16k€820k▲
The notes to these accounts (16 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €93
Net result €93 after one loss-making year.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €-2k ▼120%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
18-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
22-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 144 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Montigny-le-Tilleul · 1 establishment unit since 2016
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.
Rue de Marchienne 766110 Montigny-le-TilleulGround area
594 m²
Building footprint
70 m²
Volume, LiDAR
718 m³
Parcel 52048B0049/00P032, Wallonia · tallest building 12.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BENOIT LACHAPELLE
since 20162.252.728.493
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52048B0049/00P032 | Wallonia | 593 m² | 1 · 70 m² | 12.1 m · 3 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
Shelanu
BE 0753.552.121
Antwerpen · Eq €875k
GLORIELLE
BE 0753.893.106
Temse · Eq €875k
FACYFLO
BE 0725.824.472
Tinlot · Eq €875k
PHARMACELL
BE 0738.956.985
Wortegem-Petegem · Eq €876k
SOFICOUNT
BE 0443.197.849
Knokke-Heist · Eq €876k
Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 12,983 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded28-04-2016
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.