Equity
Bensmark has made a profit in every financial year since 2020.
Bensmark has made a profit in every financial year since 2020.
The micro format states no turnover.
Green is investment, beige is depreciation.
Short-term debts fell from €58,080 to €3,649.
2025 accounts not filed: deadline was 31-07-2026.
Higher solvency than 95% of companies in computer programming and consultancy. Sector median 62.8% · 20,537 companies.
A confirmed filing finding caps the score at 59.
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 85% of them on solvency, 96% on liquidity, 82% on profitability and 94% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2024.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
In July 2024, 26,972 companies had the same profile as Bensmark has now. Each dot stands for 68 companies, two years later.
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Bensmark itself: 0.9% within 12 months.
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 26,972 companies, not a prediction for Bensmark. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Liquidity is ample, with a current ratio of 18.37 (1.48 in 2023), above the usual 1.5. Short-term debt is 4.3% and cash 49.9% of total assets. 4.3% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 5 accounts on average 7 days after the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
These companies have the same main activity as Bensmark: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €79,900 and €93,300, founded between 2019 and 2021.
Bensmark files the micro format. That format states no turnover. The gross margin rose from €42,715 in 2020 to €69,512 in 2024.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
2025 annual accounts not yet filed, deadline passed on 31 July 2026 The financial year closed on 31 December 2025. The accounts are due at the latest 7 months after the close (Companies Code art. 3:10). Source: NBB filings, as of 10 November 2026.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €130,000. Estimated: probably between €120,000 and €170,000.
Higher than 95% of 20,537 companies in 2024.
Higher than 95% of 19,921 companies in 2024.
Higher than 91% of 20,101 companies in 2024.
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
| Line | Trend | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|
| Balance sheet: assets | ||||||
20/58 |
84,971 | 89,688 | 102,282 | 67,706 | 37,982 | |
20 |
- | - | - | 0 | 710 | |
21/28 |
17,934 | 3,895 | 4,137 | 6,304 | 4,423 | |
22/27 |
17,934 | 3,895 | 4,137 | 6,304 | 4,423 | |
23 |
2,165 | 3,263 | 2,394 | 3,450 | 4,423 | |
24 |
7,152 | 305 | 1,257 | 2,208 | - | |
26 |
8,617 | 327 | 486 | 645 | - | |
29/58 |
67,037 | 85,793 | 98,145 | 61,402 | 32,849 | |
40/41 |
22,442 | 13,938 | 20,359 | 15,347 | 26,212 | |
40 |
16,825 | 12,705 | 18,299 | 12,003 | 24,812 | |
41 |
5,617 | 1,233 | 2,060 | 3,344 | 1,400 | |
54/58 |
42,406 | 71,026 | 77,043 | 45,491 | 6,168 | |
490/1 |
2,188 | 828 | 744 | 563 | 469 | |
| Balance sheet: equity and liabilities | ||||||
10/49 |
84,971 | 89,688 | 102,282 | 67,706 | 37,982 | |
10/15 |
81,322 | 31,608 | 95,578 | 61,870 | 30,756 | |
10/11 |
2,400 | 2,400 | 1,210 | 1,210 | 1,210 | |
13 |
78,922 | 29,208 | 94,368 | 60,660 | 29,546 | |
133 |
78,922 | 29,208 | 94,368 | 60,660 | 29,546 | |
14 |
0 | 0 | - | 0 | - | |
17/49 |
3,649 | 58,080 | 6,704 | 5,836 | 7,226 | |
42/48 |
3,649 | 58,080 | 6,704 | 5,836 | 7,226 | |
43 |
10 | 10 | - | - | - | |
430/8 |
10 | 10 | - | - | - | |
44 |
1,750 | 1,688 | 1,818 | 2,683 | 2,534 | |
440/4 |
1,750 | 1,688 | 1,818 | 2,683 | 2,534 | |
45 |
1,889 | 8,992 | 4,506 | 2,751 | 2,688 | |
450/3 |
1,889 | 5,891 | 4,506 | 2,751 | 2,680 | |
454/9 |
0 | 3,100 | - | 0 | 8 | |
47/48 |
0 | 47,390 | 380 | 402 | 2,004 | |
| Income statement | ||||||
9900 |
69,512 | 62,580 | 48,576 | 44,380 | 42,715 | |
630 |
3,909 | 3,171 | 2,501 | 2,768 | 1,722 | |
640/8 |
309 | 283 | 268 | 521 | 628 | |
66A |
486 | - | - | - | - | |
9901 |
64,809 | 59,127 | 45,808 | 41,090 | 40,366 | |
75/76B |
0 | 4 | 0 | 0 | 0 | |
75 |
0 | 4 | 0 | 0 | 0 | |
65/66B |
369 | 655 | 802 | 803 | 582 | |
65 |
369 | 655 | 802 | 803 | 582 | |
9903 |
64,439 | 58,476 | 45,006 | 40,288 | 39,783 | |
67/77 |
14,725 | 14,636 | 11,297 | 9,173 | 8,624 | |
9904 |
49,714 | 43,839 | 33,708 | 31,114 | 31,159 | |
9905 |
49,714 | 43,839 | 33,708 | 31,114 | 31,159 | |
| Appropriation of the result | ||||||
9906 |
49,714 | 43,839 | 33,708 | 31,114 | 31,159 | |
791/2 |
0 | 80,161 | - | - | - | |
691/2 |
49,714 | 15,000 | 33,708 | 31,114 | 29,546 | |
6921 |
49,714 | 15,000 | 33,708 | 31,114 | 29,546 | |
694/7 |
0 | 109,000 | - | 0 | 1,613 | |
694 |
0 | 109,000 | - | 0 | 1,613 | |
| Document | ||||||
The notes to these accounts have 8 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2024 (PDF), filed on 16-09-2025.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2024 | micro format | 16-09-2025 | 2025-00491967 | |
| 31-12-2023 | micro format | 19-08-2024 | 2024-00362899 | |
| 31-12-2022 | micro format | 08-06-2023 | 2023-00118871 | |
| 31-12-2021 | micro format | 24-06-2022 | 2022-20098307 | |
| 31-12-2020 | micro format | 28-09-2021 | 2021-70400502 |
| Line | Trend | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|
| 68,717 | 62,298 | 48,309 | 43,859 | 42,087 | ||
| 53,623 | 47,010 | 36,209 | 33,883 | 32,881 | ||
| 18,434 | 2,929 | 334 | 3,940 | 4,780 | ||
| -28,620 | -6,016 | 31,551 | 39,324 | - | ||
| 63,388 | 27,713 | 91,441 | 55,566 | 25,623 | ||
| 95.7% | 35.2% | 93.4% | 91.4% | 81.0% | ||
| 18.37 | 1.48 | 14.64 | 10.52 | 4.55 | ||
| 0.04 | 1.84 | 0.07 | 0.09 | 0.23 | ||
| 61.1% | 138.7% | 35.3% | 50.3% | 101.3% | ||
| 58.5% | 48.9% | 33.0% | 46.0% | 82.0% | ||
| over 100 | 95.13 | 60.23 | 54.64 | - |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
| Tangible fixed assets | €18,434 | €2,929 | €334 | €3,940 |
| €3,909 | €3,171 | €2,501 | €2,768 |
Source: notes to the 2021 to 2024 annual accounts (statement of fixed assets)
The operating result for 2024 is 10% higher than in 2023 and the highest since 2020. It is the fourth rise in a row.
Debt's share of the balance-sheet total falls from 64.8% to 4.3%. Equity is higher and debt is lower.
Bensmark has no parent and no holdings in its annual accounts. Bergs Ben is the only director. Bensmark shares no director with another company.
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
| Establishment | Since | Unit number | FASFC approval |
|---|---|---|---|
| Albert Marnefstraat 10 registered office 3150 Haacht | 06-03-2020 | 2.300.692.916 | Catering |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 24122A0281/00E000 | 1,372 m² | 1 · 127 m² | 4.9 m |
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