Summary
BENVER 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 €921k and a net result of €15k. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 74% of 2444 sector peers (fiscal year 2025). The company has been active since 2001 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 check for your own amount and term
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 31-12-2025 was due by 31-07-2026 and was filed on 20-07-2026, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
11 d early
2024
9 d early
2023
9 d early
2022
6 d early
2021
11 d early
2020
9 d early
2019
7 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€921k▼ 1.2%
2024 · €933k
2018: €1.02M
2019: €1.02M● +0.0% vs 2018
2020: €1.03M▲ +1.3% vs 2019highest in 8 years
2021: €895k▼ -13.3% vs 2020lowest in 8 years
2022: €922k▲ +3.0% vs 2021
2023: €932k▲ +1.0% vs 2022
2024: €933k▲ +0.1% vs 2023
2025: €921k▼ -1.2% vs 2024
2018 → 2025
Net result
€15k▲ 7.2%
2024 · €14k
2018: €-7klowest in 8 years
2019: €15k▲ +309% vs 2018
2020: €15k▲ +0.5% vs 2019
2021: €25k▲ +66.5% vs 2020
2022: €28k▲ +13.9% vs 2021highest in 8 years
2023: €13k▼ -52.4% vs 2022
2024: €14k▲ +2.2% vs 2023
2025: €15k▲ +7.2% vs 2024
2018 → 2025
Total assets
€1.22M▼ 0.1%
2024 · €1.22M
2018: €1.27M
2019: €1.27M▲ +0.3% vs 2018
2020: €1.27M▼ -0.1% vs 2019
2021: €1.29M▲ +1.7% vs 2020highest in 8 years
2022: €1.21M▼ -6.5% vs 2021
2023: €1.20M▼ -0.6% vs 2022lowest in 8 years
2024: €1.22M▲ +1.3% vs 2023
2025: €1.22M▼ -0.1% vs 2024
2018 → 2025
Solvency
75.7%▼ 0.8pp
2024 · 76.5%
2018: 80.1%
2019: 79.9%▼ -0.3% vs 2018
2020: 81.1%▲ +1.5% vs 2019highest in 8 years
2021: 69.2%▼ -14.7% vs 2020lowest in 8 years
2022: 76.2%▲ +10.1% vs 2021
2023: 77.4%▲ +1.6% vs 2022
2024: 76.5%▼ -1.1% vs 2023
2025: 75.7%▼ -1.1% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€895k-€922k▲ 3.0%€932k▲ 1.0%€933k▲ 0.1%€921k▼ 1.2%
2021: €895klowest in 5 years
2022: €922k▲ +3.0% vs 2021
2023: €932k▲ +1.0% vs 2022
2024: €933k▲ +0.1% vs 2023highest in 5 years
2025: €921k▼ -1.2% vs 2024
Operating result€-31k-€46k€28k▼ 39.0%€30k▲ 5.9%€31k▲ 4.9%
2021: €-31klowest in 5 years
2022: €46k▲ +246% vs 2021highest in 5 years
2023: €28k▼ -39.0% vs 2022
2024: €30k▲ +5.9% vs 2023
2025: €31k▲ +4.9% vs 2024
Net result€25k-€28k▲ 13.9%€13k▼ 52.4%€14k▲ 2.2%€15k▲ 7.2%
2021: €25k
2022: €28k▲ +13.9% vs 2021highest in 5 years
2023: €13k▼ -52.4% vs 2022lowest in 5 years
2024: €14k▲ +2.2% vs 2023
2025: €15k▲ +7.2% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 5% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.22M
Fixed assets
€973k ▼ 3.1%
Current assets
€244k ▲ 14.0%
Equity and liabilities €1.22M
Equity
€921k ▼ 1.2%
Provisions
€122k ▼ 4.2%
Debt
€174k ▲ 9.3%
Debt's share of the balance-sheet total rises from 13.1% to 14.3%. Equity is lower and debt is higher.
Key figures and ratios
ROE
1.6%▲
2024 · 1.5%
ROA
1.2%▲
2024 · 1.1%
Debt ≤ 1 year
€165k▲
2024 · €150k
Income taxes
€14k▲
2024 · €12k
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 · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.22M€1.22M▼
Fixed assets21/28€1.00M€973k▼
Tangible fixed assets22/27€1.00M€973k▼
Land and buildings22€1.00M€973k▼
Current assets29/58€214k€244k▲
Amounts receivable within one year40/41€4k€2k▼
Trade receivables40€4k€2k▼
Cash at bank and in hand54/58€209k€240k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€1.22M€1.22M▼
Equity10/15€933k€921k▼
Contributions10/11€25k€25k=
Reserves13€877k€866k▼
Tax-exempt reserves132€246k€236k▼
Distributable reserves133€631k€630k▼
Profit (loss) carried forward14€31k€31k=
Provisions and deferred taxes16€127k€122k▼
Deferred taxes168€127k€122k▼
Amounts payable17/49€159k€174k▲
Amounts payable within one year42/48€150k€165k▲
Trade debts44€3k€7k▲
Suppliers440/4€3k€7k▲
Taxes, remuneration and social security45€10k€13k▲
Taxes450/3€10k€11k▲
Remuneration and social security454/9-€2k
Other amounts payable47/48€137k€145k▲
Accrued charges and deferred income492/3€10k€9k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€32k=
Other operating charges640/8€2k€5k▲
Gross operating margin9900€64k€67k▲
Operating profit (loss)9901€30k€31k▲
Financial income75/76B€590€1k▲
Recurring financial income75€590€1k▲
Financial charges65/66B€10k€9k▼
Recurring financial charges65€10k€9k▼
Profit (loss) for the period before taxes9903€20k€23k▲
Transfer from deferred taxes780€5k€5k=
Income taxes67/77€12k€14k▲
Profit (loss) for the period9904€14k€15k▲
Transfer from tax-exempt reserves789€10k€10k=
Profit (loss) for the period to be appropriated9905€24k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€55k€56k▲
Profit (loss) brought forward from the previous period14P€31k€31k=
Transfer from equity791/2€11k€24k▲
Transfer to equity691/2€22k€23k▲
To other reserves6921€22k€23k▲
Profit to be distributed694/7€13k€26k▲
Return on contributions (dividend)694€13k€26k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €78k | €33k | €32k | €32k | €32k | = |
| Other operating charges640/8 | €2k | €2k | €3k | €2k | €5k | ▲ 83.4% |
| Gross operating margin9900 | €49k | €82k | €63k | €64k | €67k | ▲ 5.5% |
| Operating profit (loss)9901 | €-31k | €46k | €28k | €30k | €31k | ▲ 4.9% |
| Financial income75/76B | €81k | - | €172 | €590 | €1k | ▲ 92.1% |
| Recurring financial income75 | €81k | - | €172 | €590 | €1k | ▲ 92.1% |
| Financial charges65/66B | €3k | €4k | €7k | €10k | €9k | ▼ 11.6% |
| Recurring financial charges65 | €3k | €4k | €7k | €10k | €9k | ▼ 11.6% |
| Profit (loss) for the period before taxes9903 | €47k | €42k | €21k | €20k | €23k | ▲ 15.3% |
| Transfer from deferred taxes780 | €6k | €6k | €6k | €5k | €5k | = |
| Income taxes67/77 | €28k | €19k | €13k | €12k | €14k | ▲ 17.9% |
| Profit (loss) for the period9904 | €25k | €28k | €13k | €14k | €15k | ▲ 7.2% |
| Transfer from tax-exempt reserves789 | €11k | €11k | €11k | €10k | €10k | = |
| Profit (loss) for the period to be appropriated9905 | €36k | €39k | €24k | €24k | €25k | ▲ 4.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.29M | €1.21M | €1.20M | €1.22M | €1.22M | ▼ 0.1% |
| Fixed assets21/28 | €1.10M | €1.07M | €1.04M | €1.00M | €973k | ▼ 3.1% |
| Tangible fixed assets22/27 | €1.10M | €1.07M | €1.04M | €1.00M | €973k | ▼ 3.1% |
| Land and buildings22 | €1.10M | €1.07M | €1.04M | €1.00M | €973k | ▼ 3.1% |
| Current assets29/58 | €193k | €143k | €168k | €214k | €244k | ▲ 14.0% |
| Amounts receivable within one year40/41 | €15k | €5k | €5k | €4k | €2k | ▼ 39.2% |
| Trade receivables40 | €3k | €732 | €5k | €4k | €2k | ▼ 39.2% |
| Other amounts receivable41 | €12k | €4k | - | - | - | - |
| Cash at bank and in hand54/58 | €177k | €137k | €161k | €209k | €240k | ▲ 15.0% |
| Deferred charges and accrued income490/1 | €2k | €1k | €1k | €1k | €1k | ▲ 8.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.29M | €1.21M | €1.20M | €1.22M | €1.22M | ▼ 0.1% |
| Equity10/15 | €895k | €922k | €932k | €933k | €921k | ▼ 1.2% |
| Contributions10/11 | €25k | €25k | €25k | €25k | €25k | = |
| Reserves13 | €840k | €866k | €876k | €877k | €866k | ▼ 1.3% |
| Non-distributable reserves130/1 | €3k | - | - | - | - | - |
| Reserves not available under the articles1311 | €3k | - | - | - | - | - |
| Tax-exempt reserves132 | €279k | €268k | €257k | €246k | €236k | ▼ 4.2% |
| Distributable reserves133 | €559k | €599k | €619k | €631k | €630k | ▼ 0.2% |
| Profit (loss) carried forward14 | €31k | €31k | €31k | €31k | €31k | = |
| Provisions and deferred taxes16 | €144k | €138k | €132k | €127k | €122k | ▼ 4.2% |
| Deferred taxes168 | €144k | €138k | €132k | €127k | €122k | ▼ 4.2% |
| Amounts payable17/49 | €256k | €151k | €140k | €159k | €174k | ▲ 9.3% |
| Amounts payable within one year42/48 | €252k | €147k | €133k | €150k | €165k | ▲ 10.7% |
| Trade debts44 | €8k | €8k | €2k | €3k | €7k | ▲ 137% |
| Suppliers440/4 | €8k | €8k | €2k | €3k | €7k | ▲ 137% |
| Taxes, remuneration and social security45 | €12k | €15k | €8k | €10k | €13k | ▲ 32.8% |
| Taxes450/3 | €12k | €15k | €8k | €10k | €11k | ▲ 11.8% |
| Remuneration and social security454/9 | - | - | - | - | €2k | - |
| Other amounts payable47/48 | €232k | €124k | €123k | €137k | €145k | ▲ 6.2% |
| Accrued charges and deferred income492/3 | €3k | €4k | €7k | €10k | €9k | ▼ 11.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €25k | €28k | €13k | €14k | €15k | ▲ 7.2% |
| + Depreciation and write-downs630 | €78k | €33k | €32k | €32k | €32k | = |
| Operating cash flow (approximation) | €103k | €62k | €45k | €45k | €46k | ▲ 2.2% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €-40k | €24k | €48k | €31k | ▼ 34.8% |
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 2026, expected by
2026
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €28k ▲13.9%
Operating result €46k, net result €28k, both a record.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Ieper · 1 establishment unit since 2001
Ground area
953 m²
Building footprint
402 m²
Volume, LiDAR
1,990 m³
Parcel 33003A0639/00L002, Flanders · tallest building 12.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BENVER
since 20012.227.708.928
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33003A0639/00L002 | Flanders | 953 m² | 1 · 402 m² | 12.5 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 260 EUR awarded · 260 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 83 EUR | 83 EUR |
| 2024 | 1 | 83 EUR | 83 EUR |
| 2023 | 1 | 54 EUR | 54 EUR |
| 2022 | 1 | 40 EUR | 40 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 591 companies in sector 66300 we hold annual accounts for 365. 222 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
Founded14-02-2001
Fiscal year end31-12
Activities, NACEBEL 2025
66300Activities auxiliary to financial services and insurance activities
82100Office administrative and support services
Scores and ratios are computed by Checked and are not a credit decision.