Bensmark
ActiveSummary
Bensmark has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €81k and a net result of €50k. Equity is growing by ~15.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 20780 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability100=
Solvency100▲+40
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 18.37 against 1.48 in 2023; short-term debt: 4.3% and cash: 49.9% of total assets), and 4.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-09-2025, 47 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
47 d late
2023
19 d late
2022
53 d early
2021
37 d early
2020
59 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€81k▲ 157%
2023 · €32k
2020: €31klowest in 5 years
2021: €62k▲ +101% vs 2020
2022: €96k▲ +54.5% vs 2021highest in 5 years
2023: €32k▼ -66.9% vs 2022
2024: €81k▲ +157% vs 2023
2020 → 2024
Total assets
€85k▼ 5.3%
2023 · €90k
2020: €38klowest in 5 years
2021: €68k▲ +78.3% vs 2020
2022: €102k▲ +51.1% vs 2021highest in 5 years
2023: €90k▼ -12.3% vs 2022
2024: €85k▼ -5.3% vs 2023
2020 → 2024
Net result
€50k▲ 13.4%
2023 · €44k
2020: €31k
2021: €31k▼ -0.1% vs 2020lowest in 5 years
2022: €34k▲ +8.3% vs 2021
2023: €44k▲ +30.1% vs 2022
2024: €50k▲ +13.4% vs 2023highest in 5 years
2020 → 2024
Working capital
€63k▲ 129%
2023 · €28k
2020: €26klowest in 5 years
2021: €56k▲ +117% vs 2020
2022: €91k▲ +64.6% vs 2021highest in 5 years
2023: €28k▼ -69.7% vs 2022
2024: €63k▲ +129% vs 2023
2020 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€31k-€62k▲ 101%€96k▲ 54.5%€32k▼ 66.9%€81k▲ 157%
2020: €31klowest in 5 years
2021: €62k▲ +101% vs 2020
2022: €96k▲ +54.5% vs 2021highest in 5 years
2023: €32k▼ -66.9% vs 2022
2024: €81k▲ +157% vs 2023
Operating result€40k-€41k▲ 1.8%€46k▲ 11.5%€59k▲ 29.1%€65k▲ 9.6%
2020: €40klowest in 5 years
2021: €41k▲ +1.8% vs 2020
2022: €46k▲ +11.5% vs 2021
2023: €59k▲ +29.1% vs 2022
2024: €65k▲ +9.6% vs 2023highest in 5 years
Net result€31k-€31k▼ 0.1%€34k▲ 8.3%€44k▲ 30.1%€50k▲ 13.4%
2020: €31k
2021: €31k▼ -0.1% vs 2020lowest in 5 years
2022: €34k▲ +8.3% vs 2021
2023: €44k▲ +30.1% vs 2022
2024: €50k▲ +13.4% vs 2023highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2024 is 10% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €85k
Fixed assets
€18k ▲ 360%
Current assets
€67k ▼ 21.9%
Equity and liabilities €85k
Equity
€81k ▲ 157%
Debt
€4k ▼ 93.7%
Debt's share of the balance-sheet total falls from 64.8% to 4.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€69k▲
2023 · €62k
Cash flow
€54k▲
2023 · €47k
Current ratio
18.37▲
2023 · 1.48
Debt to equity
0.04▼
2023 · 1.84
ROE
61.1%▼
2023 · 138.7%
ROA
58.5%▲
2023 · 48.9%
Interest coverage
186.04▲
2023 · 95.13
Debt ≤ 1 year
€4k▼
2023 · €58k
Income taxes
€15k▲
2023 · €15k
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 · 47 lines
Balance sheet
Code20232024
Assets
Total assets20/58€90k€85k▼
Fixed assets21/28€4k€18k▲
Tangible fixed assets22/27€4k€18k▲
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€305€7k▲
Other tangible fixed assets26€327€9k▲
Current assets29/58€86k€67k▼
Amounts receivable within one year40/41€14k€22k▲
Trade receivables40€13k€17k▲
Other amounts receivable41€1k€6k▲
Cash at bank and in hand54/58€71k€42k▼
Deferred charges and accrued income490/1€828€2k▲
Equity and liabilities
Total equity and liabilities10/49€90k€85k▼
Equity10/15€32k€81k▲
Contributions10/11€2k€2k=
Reserves13€29k€79k▲
Distributable reserves133€29k€79k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€58k€4k▼
Amounts payable within one year42/48€58k€4k▼
Financial debts43€10€10=
Credit institutions430/8€10€10=
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€9k€2k▼
Taxes450/3€6k€2k▼
Remuneration and social security454/9€3k€0▼
Other amounts payable47/48€47k€0▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€283€309▲
Non-recurring operating charges66A-€486
Gross operating margin9900€63k€70k▲
Operating profit (loss)9901€59k€65k▲
Financial income75/76B€4€0▼
Recurring financial income75€4€0▼
Financial charges65/66B€655€369▼
Recurring financial charges65€655€369▼
Profit (loss) for the period before taxes9903€58k€64k▲
Income taxes67/77€15k€15k▲
Profit (loss) for the period9904€44k€50k▲
Profit (loss) for the period to be appropriated9905€44k€50k▲
Appropriation of the result
Profit (loss) to be appropriated9906€44k€50k▲
Transfer from equity791/2€80k€0▼
Transfer to equity691/2€15k€50k▲
To other reserves6921€15k€50k▲
Profit to be distributed694/7€109k€0▼
Return on contributions (dividend)694€109k€0▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k | €3k | €3k | €3k | €4k | ▲ 23.3% |
| Other operating charges640/8 | - | €521 | €268 | €283 | €309 | ▲ 9.4% |
| Non-recurring operating charges66A | - | - | - | - | €486 | - |
| Gross operating margin9900 | €43k | €44k | €49k | €63k | €70k | ▲ 11.1% |
| Operating profit (loss)9901 | €40k | €41k | €46k | €59k | €65k | ▲ 9.6% |
| Financial income75/76B | - | €0 | €0 | €4 | €0 | ▼ 99.2% |
| Recurring financial income75 | €0 | €0 | €0 | €4 | €0 | ▼ 99.2% |
| Financial charges65/66B | - | €803 | €802 | €655 | €369 | ▼ 43.6% |
| Recurring financial charges65 | €582 | €803 | €802 | €655 | €369 | ▼ 43.6% |
| Profit (loss) for the period before taxes9903 | €40k | €40k | €45k | €58k | €64k | ▲ 10.2% |
| Income taxes67/77 | €9k | €9k | €11k | €15k | €15k | ▲ 0.6% |
| Profit (loss) for the period9904 | €31k | €31k | €34k | €44k | €50k | ▲ 13.4% |
| Profit (loss) for the period to be appropriated9905 | €31k | €31k | €34k | €44k | €50k | ▲ 13.4% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €38k | €68k | €102k | €90k | €85k | ▼ 5.3% |
| Formation expenses20 | €710 | €0 | - | - | - | - |
| Fixed assets21/28 | €4k | €6k | €4k | €4k | €18k | ▲ 360% |
| Tangible fixed assets22/27 | €4k | €6k | €4k | €4k | €18k | ▲ 360% |
| Plant, machinery and equipment23 | - | €3k | €2k | €3k | €2k | ▼ 33.6% |
| Furniture and vehicles24 | - | €2k | €1k | €305 | €7k | ▲ 2,245% |
| Other tangible fixed assets26 | - | €645 | €486 | €327 | €9k | ▲ 2,536% |
| Current assets29/58 | €33k | €61k | €98k | €86k | €67k | ▼ 21.9% |
| Amounts receivable within one year40/41 | €26k | €15k | €20k | €14k | €22k | ▲ 61.0% |
| Trade receivables40 | - | €12k | €18k | €13k | €17k | ▲ 32.4% |
| Other amounts receivable41 | - | €3k | €2k | €1k | €6k | ▲ 355% |
| Cash at bank and in hand54/58 | €6k | €45k | €77k | €71k | €42k | ▼ 40.3% |
| Deferred charges and accrued income490/1 | - | €563 | €744 | €828 | €2k | ▲ 164% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €38k | €68k | €102k | €90k | €85k | ▼ 5.3% |
| Equity10/15 | €31k | €62k | €96k | €32k | €81k | ▲ 157% |
| Contributions10/11 | - | €1k | €1k | €2k | €2k | = |
| Reserves13 | €30k | €61k | €94k | €29k | €79k | ▲ 170% |
| Distributable reserves133 | - | €61k | €94k | €29k | €79k | ▲ 170% |
| Profit (loss) carried forward14 | - | €0 | - | €0 | €0 | - |
| Amounts payable17/49 | €7k | €6k | €7k | €58k | €4k | ▼ 93.7% |
| Amounts payable within one year42/48 | €7k | €6k | €7k | €58k | €4k | ▼ 93.7% |
| Financial debts43 | - | - | - | €10 | €10 | = |
| Credit institutions430/8 | - | - | - | €10 | €10 | = |
| Trade debts44 | €3k | €3k | €2k | €2k | €2k | ▲ 3.7% |
| Suppliers440/4 | - | €3k | €2k | €2k | €2k | ▲ 3.7% |
| Taxes, remuneration and social security45 | - | €3k | €5k | €9k | €2k | ▼ 79.0% |
| Taxes450/3 | - | €3k | €5k | €6k | €2k | ▼ 67.9% |
| Remuneration and social security454/9 | - | €0 | - | €3k | €0 | ▼ 100% |
| Other amounts payable47/48 | - | €402 | €380 | €47k | €0 | ▼ 100% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €31k | €31k | €34k | €44k | €50k | ▲ 13.4% |
| + Depreciation and write-downs630 | €2k | €3k | €3k | €3k | €4k | ▲ 23.3% |
| Operating cash flow (approximation) | €33k | €34k | €36k | €47k | €54k | ▲ 14.1% |
| Investment in fixed assets (approximation) | - | €-5k | €-334 | €-3k | €-18k | ▼ 513% |
| Change in cash | - | €39k | €32k | €-6k | €-29k | ▼ 376% |
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
2025
16-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 47 days late
2024
31-12
Financial
Highest result since 2020net €50k ▲13.4%
Operating result €65k, net result €50k, both a record.
31-12
Financial
Liquidity times 12current ratio 18.37
Current ratio from 1.48 to 18.37; short-term debt falls from €58k to €4k.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €31k ▼0.1%
Net result drops to €31k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 10.52
Current ratio from 4.55 to 10.52; short-term debt falls from €7k to €6k.
28-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 59 days late
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, Haacht · 1 establishment unit since 2020
Ground area
1,372 m²
Building footprint
127 m²
Volume, LiDAR
39 m³
Parcel 24122A0281/00E000, Flanders · tallest building 4.9 m. Linked by address, not a title deed.
1 establishment unit
Bensmark
since 20202.300.692.916
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24122A0281/00E000 | Flanders | 1,372 m² | 1 · 127 m² | 4.9 m |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteHaacht2.300.692.916
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Of 29,993 companies in sector 62200 we hold annual accounts for 18,396. 15,587 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
Founded06-03-2020
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
56210Event catering
62100Computer programming
63910Web portal activities
74120Graphic design and visual communication
Scores and ratios are computed by Checked and are not a credit decision.