BENU PMCB
ActiveSummary
BENU PMCB has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €2.4m and a net result of €119,627. Equity is growing by ~3.4% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2026
Axes · tick = 2025
Profitability83=
Solvency100=
Growth68=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16,000 at 30 days acceptable
Liquidity ample (current ratio 39.25 against 26.22 in 2025; short-term debt: 1.7% of total assets), and 1.7% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2026Solvency, return and age of the figures
Solvency
98.3%
Return on assets
4.9%
Age of the figures
8 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
neutral · Latest accounts filed on time
The financial year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 25-06-2026, 67 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
67 d early
2025
53 d early
2024
53 d early
2023
28 d early
2022
33 d early
2021
44 d early
2020
9 d early
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 41 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today. Usually files around 9 July (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-01-2027 close31-08-2027 deadline
History
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Financials · fiscal year 2026, full schema
Turnover
€168,025▲ 4.1%
2025 · €161,434
EBIT margin
64.7%▲ 21.5pp
2025 · 43.2%
Net result
€119,627▲ 26.8%
2025 · €94,345
Working capital
€1.6m▲ 12.1%
2025 · €1.4m
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
Turnover€122,094=€223,967▲ 83.4%€132,213▼ 41.0%€161,434▲ 22.1%€168,025▲ 4.1%
Operating result€41,649▲ 24.2%€147,688▲ 255%€53,936▼ 63.5%€69,764▲ 29.3%€108,780▲ 55.9%
Net result€30,564▲ 22.8%€105,719▲ 246%€71,926▼ 32.0%€94,345▲ 31.2%€119,627▲ 26.8%
EBIT margin34.1%▲ 6.6pp65.9%▲ 31.8pp40.8%▼ 25.1pp43.2%▲ 2.4pp64.7%▲ 21.5pp
Equity€2.0m▲ 1.5%€2.1m▲ 5.2%€2.2m▲ 3.4%€2.3m▲ 4.3%€2.4m▲ 5.2%
Total assets€2.0m▲ 1.6%€2.2m▲ 7.2%€2.3m▲ 3.6%€2.3m▲ 4.2%€2.5m▲ 4.5%
Debt€11,447▲ 6.8%€51,124▲ 347%€57,569▲ 12.6%€57,244▼ 0.6%€42,295▼ 26.1%
Working capital€1.0m▲ 9.2%€1.2m▲ 15.8%€1.3m▲ 10.0%€1.4m▲ 11.5%€1.6m▲ 12.1%
Result per fiscal year
Operating resultNet result
After the dip in 2024 the operating result has climbed two years in a row; 2026 is 56% above 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €2.5m
Fixed assets
€790,346 ▼ 6.5%
Current assets
€1.7m ▲ 10.6%
Equity and liabilities €2.5m
Equity
€2.4m ▲ 5.2%
Debt
€42,295 ▼ 26.1%
Debt's share of the balance-sheet total falls from 2.4% to 1.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€163,456▲
2025 · €124,440
Cash flow
€174,303▲
2025 · €149,021
Current ratio
39.25▲
2025 · 26.22
Debt to equity
0.02▼
2025 · 0.03
ROE
5.0%▲
2025 · 4.1%
ROA
4.9%▲
2025 · 4.0%
Interest coverage
116.67▲
2025 · 89.01
Debt ≤ 1 year
€42,295▼
2025 · €57,244
Income taxes
€39,876▲
2025 · €36,466
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 14,732 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 96% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.2%
went bankrupt
3.5%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 14,732 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | €125,494 | €231,059 | €141,975 | €174,344 | €181,540 | ▲ 4.1% |
| Turnover70 | €122,094 | €223,967 | €132,213 | €161,434 | €168,025 | ▲ 4.1% |
| Other operating income74 | €3,400 | €7,092 | €9,762 | €12,910 | €13,515 | ▲ 4.7% |
| Operating charges60/66A | €83,845 | €83,371 | €88,039 | €104,580 | €72,760 | ▼ 30.4% |
| Services and other goods61 | €18,227 | €11,551 | €20,011 | €21,913 | €4,507 | ▼ 79.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €54,676 | €54,676 | €45,714 | €54,676 | €54,676 | = |
| Other operating charges640/8 | €10,942 | €17,144 | €22,314 | €27,991 | €13,577 | ▼ 51.5% |
| Operating profit (loss)9901 | €41,649 | €147,688 | €53,936 | €69,764 | €108,780 | ▲ 55.9% |
| Financial income75/76B | - | - | €48,567 | €62,445 | €52,124 | ▼ 16.5% |
| Recurring financial income75 | - | - | €48,567 | €62,445 | €52,124 | ▼ 16.5% |
| Income from financial fixed assets750 | - | - | €48,567 | €62,445 | €52,124 | ▼ 16.5% |
| Financial charges65/66B | €1,122 | €1,174 | €1,228 | €1,398 | €1,401 | ▲ 0.2% |
| Recurring financial charges65 | €1,122 | €1,174 | €1,228 | €1,398 | €1,401 | ▲ 0.2% |
| Other financial charges652/9 | €1,122 | €1,174 | €1,228 | €1,398 | €1,401 | ▲ 0.2% |
| Profit (loss) for the period before taxes9903 | €40,527 | €146,514 | €101,275 | €130,811 | €159,503 | ▲ 21.9% |
| Income taxes67/77 | €9,963 | €40,795 | €29,349 | €36,466 | €39,876 | ▲ 9.4% |
| Taxes670/3 | €11,000 | €40,820 | €29,349 | €36,466 | €39,876 | ▲ 9.4% |
| Tax adjustments and reversals of tax provisions77 | €1,037 | €25 | - | - | - | - |
| Profit (loss) for the period9904 | €30,564 | €105,719 | €71,926 | €94,345 | €119,627 | ▲ 26.8% |
| Profit (loss) for the period to be appropriated9905 | €30,564 | €105,719 | €71,926 | €94,345 | €119,627 | ▲ 26.8% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.0m | €2.2m | €2.3m | €2.3m | €2.5m | ▲ 4.5% |
| Fixed assets21/28 | €1.0m | €945,413 | €899,699 | €845,023 | €790,346 | ▼ 6.5% |
| Tangible fixed assets22/27 | €1.0m | €945,413 | €899,699 | €845,023 | €790,346 | ▼ 6.5% |
| Land and buildings22 | €842,469 | €787,793 | €742,079 | €687,403 | €632,726 | ▼ 8.0% |
| Other tangible fixed assets26 | €157,620 | €157,620 | €157,620 | €157,620 | €157,620 | = |
| Current assets29/58 | €1.0m | €1.2m | €1.4m | €1.5m | €1.7m | ▲ 10.6% |
| Amounts receivable within one year40/41 | €1.0m | €1.2m | €1.4m | €1.5m | €1.7m | ▲ 10.6% |
| Other amounts receivable41 | €1.0m | €1.2m | €1.4m | €1.5m | €1.7m | ▲ 10.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.0m | €2.2m | €2.3m | €2.3m | €2.5m | ▲ 4.5% |
| Equity10/15 | €2.0m | €2.1m | €2.2m | €2.3m | €2.4m | ▲ 5.2% |
| Contributions10/11 | €1.4m | €1.4m | €1.4m | €1.4m | €1.4m | = |
| Capital10 | €1.4m | €1.4m | €1.4m | €1.4m | €1.4m | = |
| Issued capital100 | €1.4m | €1.4m | €1.4m | €1.4m | €1.4m | = |
| Reserves13 | €138,000 | €138,000 | €138,000 | €138,000 | €138,000 | = |
| Non-distributable reserves130/1 | €138,000 | €138,000 | €138,000 | €138,000 | €138,000 | = |
| Legal reserve130 | €138,000 | €138,000 | €138,000 | €138,000 | €138,000 | = |
| Profit (loss) carried forward14 | €498,612 | €604,331 | €676,257 | €770,602 | €890,228 | ▲ 15.5% |
| Amounts payable17/49 | €11,447 | €51,124 | €57,569 | €57,244 | €42,295 | ▼ 26.1% |
| Amounts payable within one year42/48 | €11,447 | €51,124 | €57,569 | €57,244 | €42,295 | ▼ 26.1% |
| Trade debts44 | €11,447 | €10,303 | €28,230 | €8,139 | €2,420 | ▼ 70.3% |
| Suppliers440/4 | €11,447 | €10,303 | €28,230 | €8,139 | €2,420 | ▼ 70.3% |
| Taxes, remuneration and social security45 | - | €40,821 | €29,339 | €49,105 | €39,875 | ▼ 18.8% |
| Taxes450/3 | - | €40,821 | €29,339 | €49,105 | €39,875 | ▼ 18.8% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €30,564 | €105,719 | €71,926 | €94,345 | €119,627 | ▲ 26.8% |
| + Depreciation and write-downs630 | €54,676 | €54,676 | €45,714 | €54,676 | €54,676 | = |
| Operating cash flow (approximation) | €85,240 | €160,395 | €117,640 | €149,021 | €174,303 | ▲ 17.0% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €1 | - |
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
10-07
State Gazette act
Reappointments: An Marin, Arnaud Berken and Philippe Lacroix4 facts ▸
State Gazette act
Reappointments: An Marin, Arnaud Berken and Philippe Lacroix
4 facts ▸
- General meeting, 17-06-2026
- Director reappointment, An Marin (director)
- Director reappointment, Arnaud Berken (director)
- Director reappointment, Philippe Lacroix (director)
25-06
NBB filing
Annual accounts filed
fiscal year 2026 · full schema
31-01
Financial
Highest result since 2019net €119,627 ▲26.8%
Net result €119,627, the highest in the series.
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2024
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
03-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2022
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
31-03
Financial
Equity above €2mEq €2.0m ▲1.5%
4 profitable years in a row build equity to €2.0m.
2021
17-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
31-03
Financial
Weakest financial yearnet €24,880 ▼10%
Net result drops to €24,880, the lowest in the series; recovery starts the following year.
2020
22-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
31-03
Financial
Liquidity doublescurrent ratio 74.40
Current ratio from 34.80 to 74.40; short-term debt falls from €22,399 to €11,447.
Show earlier events
2019
11-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
19-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
04-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 30 acts read
About the unread acts
Of the 30 Belgian State Gazette acts we know for this company, 1 has been read. The other 29 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
under verification
This board is reconstructed from a single act (26089050). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
29 of this company's 30 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Wavre · 1 establishment unit since 2002
Ground area
1.7 ha
Building footprint
915 m²
Volume, LiDAR
11,516 m³
Parcel 25112N0017/00A002, Wallonia · tallest building 14.7 m, ±4 floors. Linked by address, not a title deed.
27
companies at this address
See who is registered here
1 establishment unit
Avenue Pasteur 2, 1300 Wavre
since 20022.097.871.557
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25112N0017/00A002 | Wallonia | 1.7 ha | 1 · 915 m² | 14.7 m · 4 fl. |
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.
Mandate history
3 people since 2026, 3 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| An Marin |
|
| Arnaud Berken |
|
| Philippe Lacroix |
|
Structure & network
Owners and holdings
1 ownerOwners 1
- PHOENIX INTERNATIONAL HOLDINGS GMBHDEparentSourceown accounts 31-01-2026100%
Holdings 0
The accounts to 31-01-2026 list no holdings, and no other source names one.
According to the annual accounts to 31-01-2026 of BENU PMCB and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
3 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
Company
Director
Shareholding
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Identification & contact
Identification
Legal formPublic limited company
Founded23-02-2001
Fiscal year end31-01
E-invoicing
Reachable via Peppol
Peppol ID
0208:0474171830
Also
9925:BE0474171830
Registered
03-02-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.