BESTOCK
ActiveSummary
BESTOCK 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 €180,570 and a net result of €62,005. Equity is shrinking by ~33% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 33% of 1502 sector peers (fiscal year 2025). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
Two signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €180,570
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 10 filingsDeviation from the deadline
2025
25 d late
2024
34 d early
2023
29 d late
2022
8 d late
2021
23 d late
2020
29 d late
2019
44 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 5 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#8 oldest company in Herstal, Finance and insurance sector
Equity
€180,570▲ 52.3%
2024 · €118,565
Net result
€62,005▲ 2.2%
2024 · €60,646
Total assets
€771,960▲ 17.7%
2024 · €655,821
Solvency
23.4%▲ 5.3pp
2024 · 18.1%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€61,410▼ 413%-€56,374▲ 8.2%-€66,966▼ 18.8%€74,220€72,982▼ 1.7%
Net result-€65,556below the sector's middle half▲ 8.1%-€62,080below the sector's middle half▲ 5.3%-€80,821below the sector's middle half▼ 30.2%€60,646within the sector's middle half€62,005within the sector's middle half▲ 2.2%
Equity€200,820within the sector's middle half▼ 24.6%€138,740within the sector's middle half▼ 30.9%€57,919within the sector's middle half▼ 58.3%€118,565within the sector's middle half▲ 105%€180,570within the sector's middle half▲ 52.3%
Total assets€527,307within the sector's middle half▼ 11.9%€800,482within the sector's middle half▲ 51.8%€652,138within the sector's middle half▼ 18.5%€655,821within the sector's middle half▲ 0.6%€771,960within the sector's middle half▲ 17.7%
Debt€326,487▼ 1.8%€661,741▲ 103%€594,219▼ 10.2%€537,256▼ 9.6%€591,390▲ 10.1%
Working capital€110,508within the sector's middle half▲ 2.2%€110,239within the sector's middle half▼ 0.2%€127,361within the sector's middle half▲ 15.5%€169,989within the sector's middle half▲ 33.5%€107,969within the sector's middle half▼ 36.5%
Solvency38.1%within the sector's middle half▼ 6.4pp17.3%within the sector's middle half▼ 20.8pp8.9%below the sector's middle half▼ 8.5pp18.1%below the sector's middle half▲ 9.2pp23.4%within the sector's middle half▲ 5.3pp
Current ratio3.47within the sector's middle half▼ 1.191.73within the sector's middle half▼ 1.742.22within the sector's middle half▲ 0.492.64within the sector's middle half▲ 0.421.50within the sector's middle half▼ 1.14
Return on assets (ROA)-12.4%below the sector's middle half▼ 0.5pp-7.8%below the sector's middle half▲ 4.7pp-12.4%below the sector's middle half▼ 4.6pp9.2%within the sector's middle half▲ 21.6pp8.0%within the sector's middle half▼ 1.2pp
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 2% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €771,960
Fixed assets
€448,729 ▲ 17.4%
Current assets
€323,231 ▲ 18.1%
Equity and liabilities €771,960
Equity
€180,570 ▲ 52.3%
Debt
€591,390 ▲ 10.1%
Debt's share of the balance-sheet total falls from 81.9% to 76.6%. Equity and debt are higher.
Key figures and ratios
ROE
34.3%▼
2024 · 51.1%
Debt ≤ 1 year
€215,262▲
2024 · €103,650
Debt > 1 year
€376,127▼
2024 · €433,606
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €123,224 | €123,268 | €139,119 | €38,151 | €39,576 | ▲ 3.7% |
| Other operating charges640/8 | €17,666 | €17,835 | €21,571 | €17,858 | €18,511 | ▲ 3.7% |
| Non-recurring operating charges66A | - | €1,350 | - | - | - | - |
| Gross operating margin9900 | €79,481 | €86,079 | €93,724 | €130,228 | €131,069 | ▲ 0.6% |
| Operating profit (loss)9901 | -€61,410 | -€56,374 | -€66,966 | €74,220 | €72,982 | ▼ 1.7% |
| Financial income75/76B | - | - | - | €118 | €2 | ▼ 98.7% |
| Recurring financial income75 | - | - | - | €118 | €2 | ▼ 98.7% |
| Financial charges65/66B | €4,147 | €5,705 | €13,855 | €13,691 | €10,978 | ▼ 19.8% |
| Recurring financial charges65 | €4,147 | €5,705 | €13,855 | €13,691 | €10,978 | ▼ 19.8% |
| Profit (loss) for the period before taxes9903 | -€65,556 | -€62,080 | -€80,821 | €60,646 | €62,005 | ▲ 2.2% |
| Profit (loss) for the period9904 | -€65,556 | -€62,080 | -€80,821 | €60,646 | €62,005 | ▲ 2.2% |
| Profit (loss) for the period to be appropriated9905 | -€65,556 | -€62,080 | -€80,821 | €60,646 | €62,005 | ▲ 2.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €527,307 | €800,482 | €652,138 | €655,821 | €771,960 | ▲ 17.7% |
| Fixed assets21/28 | €372,096 | €539,391 | €420,333 | €382,182 | €448,729 | ▲ 17.4% |
| Tangible fixed assets22/27 | €372,096 | €539,391 | €420,333 | €382,182 | €448,729 | ▲ 17.4% |
| Land and buildings22 | €372,096 | €519,579 | €395,293 | €360,333 | €418,183 | ▲ 16.1% |
| Plant, machinery and equipment23 | - | €18,300 | €21,794 | €19,394 | €16,995 | ▼ 12.4% |
| Furniture and vehicles24 | - | €1,512 | €3,245 | €2,455 | €13,552 | ▲ 452% |
| Current assets29/58 | €155,211 | €261,091 | €231,805 | €273,639 | €323,231 | ▲ 18.1% |
| Stocks and contracts in progress3 | - | - | - | - | €169,961 | - |
| Stocks30/36 | - | - | - | - | €169,961 | - |
| Amounts receivable within one year40/41 | €134,000 | €159,485 | €200,032 | €261,570 | €131,653 | ▼ 49.7% |
| Trade receivables40 | - | €545 | €4,622 | €6,475 | €8,320 | ▲ 28.5% |
| Other amounts receivable41 | €134,000 | €158,940 | €195,410 | €255,096 | €123,333 | ▼ 51.7% |
| Cash at bank and in hand54/58 | €21,211 | €99,784 | €31,773 | €12,069 | €21,617 | ▲ 79.1% |
| Deferred charges and accrued income490/1 | - | €1,822 | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €527,307 | €800,482 | €652,138 | €655,821 | €771,960 | ▲ 17.7% |
| Equity10/15 | €200,820 | €138,740 | €57,919 | €118,565 | €180,570 | ▲ 52.3% |
| Contributions10/11 | €921,450 | €921,450 | €921,450 | €921,450 | €921,450 | = |
| Capital10 | €921,450 | €921,450 | €921,450 | €921,450 | €921,450 | = |
| Issued capital100 | €921,450 | €921,450 | €921,450 | €921,450 | €921,450 | = |
| Revaluation surpluses12 | €1 | €1 | €1 | €1 | €1 | = |
| Profit (loss) carried forward14 | -€720,631 | -€782,711 | -€863,532 | -€802,886 | -€740,881 | ▲ 7.7% |
| Amounts payable17/49 | €326,487 | €661,741 | €594,219 | €537,256 | €591,390 | ▲ 10.1% |
| Amounts payable after more than one year17 | €281,784 | €510,889 | €489,774 | €433,606 | €376,127 | ▼ 13.3% |
| Financial debts170/4 | €281,784 | €510,889 | €489,774 | €433,606 | €376,127 | ▼ 13.3% |
| Amounts payable within one year42/48 | €44,703 | €150,853 | €104,445 | €103,650 | €215,262 | ▲ 108% |
| Current portion of amounts payable after more than one year42 | €20,093 | €32,889 | €70,716 | €70,235 | €57,479 | ▼ 18.2% |
| Financial debts43 | - | - | - | - | €74,573 | - |
| Credit institutions430/8 | - | - | - | - | €74,573 | - |
| Trade debts44 | €20,876 | €109,961 | €16,444 | €10,816 | €45,167 | ▲ 318% |
| Suppliers440/4 | €20,876 | €109,961 | €16,444 | €10,816 | €45,167 | ▲ 318% |
| Taxes, remuneration and social security45 | €61 | - | - | - | €6,698 | - |
| Taxes450/3 | €61 | - | - | - | €6,698 | - |
| Other amounts payable47/48 | €3,673 | €8,003 | €17,284 | €22,599 | €31,345 | ▲ 38.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€65,556 | -€62,080 | -€80,821 | €60,646 | €62,005 | ▲ 2.2% |
| + Depreciation and write-downs630 | €123,224 | €123,268 | €139,119 | €38,151 | €39,576 | ▲ 3.7% |
| Operating cash flow (approximation) | €57,668 | €61,188 | €58,298 | €98,796 | €101,581 | ▲ 2.8% |
| Investment in fixed assets (approximation) | - | -€290,563 | -€20,062 | €0 | -€106,122 | - |
| Change in cash | - | €78,572 | -€68,011 | -€19,704 | €9,549 | ▲ 148% |
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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 25 days late
2025
31-12
Financial
Highest result since 2018net €62,005 ▲2.2%
Net result €62,005, the highest in the series.
31-12
Financial
Equity above €150,000Eq €180,570 ▲52.3%
2 profitable years in a row build equity to €180,570.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €60,646
Net result €60,646 after 6 loss-making years.
31-12
Financial
Equity above €100,000Eq €118,565 ▲105%
Equity rises from €57,919 to €118,565.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 8 days late
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
29-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 29 days late
2020
31-12
Financial
Liquidity times 14current ratio 4.66
Current ratio from 0.34 to 4.66; short-term debt falls from €98,936 to €29,535.
17-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
31-12
Financial
Weakest financial yearnet -€115,744
Net result drops to -€115,744, the lowest in the series; recovery starts the following year.
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 9 acts read
About the unread acts
We know of 9 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
9 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, Herstal · 1 establishment unit since 2009
Ground area
442 m²
Parcel 62051C0259/00B004, Wallonia. Linked by address, not a title deed.
16
companies at this address
See who is registered here
1 establishment unit
Rue du Bellenay 71, 4040 Herstal
since 20092.262.185.302
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62051C0259/00B004 | Wallonia | 442 m² | - | - |
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.
Structure & network
Owners and holdings
1 ownerChain of control
- JULIAM
- BESTOCK
Highest known parent: JULIAM. The sources do not say who stands above it.
Owners 1
- JULIAMparent100%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts 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
No current directors or connected companies found in the register.
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Of 592 companies in sector 66300 we hold annual accounts for 366. 254 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded26-02-2009
Fiscal year end31-12
Activities, NACEBEL 2025
66300Activities auxiliary to financial services and insurance activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0810074417
Registered
04-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.