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Bex Consultancy

Active
Private limited companyfounded 20224 yrs activeOude Schans 5, 3550 Heusden-Zolder, BelgiumKBO/BCE: BE 0783.664.780
Summary

The computed 12-month bankruptcy probability of Bex Consultancy is 1.6% (moderate). The 2025 annual accounts show equity of €1,121 and a net result of €15,583. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 22% of 11693 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability100▲+59
Solvency29▲+29
Growth58=
Track record94
Bankruptcy probability, 12 months
1.6% Moderate
0%0.5%1.5%4%10%≥ 25%
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Signals

Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 date
Age against the risk zone
highest failure risk from 2 to 8 years 4 years 0 10 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 11693 sector peers (2025).
NBB · sector comparison
Position among 11693 sector peers
Solvency
better than 22%
← weakest strongest →
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 06-02-2026, 175 days ahead of the deadline.
NBB · 4 filings
Deviation from the deadline
2025
175 d early
2024
164 d early
2023
159 d early
2022
157 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 164 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% 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. Usually files around 20 February (4 of the last 4 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

Bex Consultancy was incorporated on 22 March 2022 as a Private limited company.1 Total assets rose from EUR 4,041 in 2022 to EUR 30,670 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2022 and 2025

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Financials · fiscal year 2025, micro schema

Equity
€1,121
2024 · -€9,461
Total assets
€30,670▲ 799%
2024 · €3,413
Net result
€15,583
2024 · -€230
Working capital
-€12,448▼ 16.6%
2024 · -€10,679
Trend over the years
In euros
In euros
No line ticked in this group.

Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital.

Every figure with its change against the fiscal year before
favourable unfavourable
Line2022202320242025
Operating result-€747--€10,431▼ 1,297%€18€17,676▲ 96,863%
Net result-€1,144below the sector's middle half--€10,587below the sector's middle half▼ 825%-€230below the sector's middle half▲ 97.8%€15,583within the sector's middle half
Equity€1,356below the sector's middle half--€9,231below the sector's middle half-€9,461below the sector's middle half▼ 2.5%€1,121below the sector's middle half
Total assets€4,041below the sector's middle half-€2,476below the sector's middle half▼ 38.7%€3,413below the sector's middle half▲ 37.9%€30,670below the sector's middle half▲ 799%
Debt€2,685-€11,707▲ 336%€12,874▲ 10.0%€29,548▲ 130%
Working capital€244below the sector's middle half--€9,991below the sector's middle half-€10,679below the sector's middle half▼ 6.9%-€12,448below the sector's middle half▼ 16.6%
Solvency3.7%below the sector's middle half
Current ratio0.56below the sector's middle half
Return on assets (ROA)50.8%above the sector's middle half
above within below the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€20,000-€10,000€0€10,000€20,000Operating result 2022: -€747-€747Net result 2022: -€1,144-€1,144Operating result 2023: -€10,431-€10,431Net result 2023: -€10,587-€10,587Operating result 2024: €18€18Net result 2024: -€230-€230Operating result 2025: €17,676€17,676Net result 2025: €15,583€15,5832022202320242025-€20,000-€10,000€0€10,000€20,000Operating result 2023: -€10,431-€10,400Net result 2023: -€10,587-€10,600Operating result 2024: €18€18Net result 2024: -€230-€230Operating result 2025: €17,676€17,700Net result 2025: €15,583€15,600202320242025
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 96,863% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €30,670
Fixed assets €14,559 ▲ 1,095%
Current assets €16,110 ▲ 634%
Equity and liabilities €30,670
Equity €1,121
Debt €29,548
Debt finances 96.3% of the balance-sheet total.
Key figures and ratios
2025 value · change against 2024
EBITDA
€19,377▲
2024 · €419
Cash flow
€17,283▲
2024 · €171
Debt to equity
26.35
Interest coverage
18.96▲
2024 · 3.73
Debt ≤ 1 year
€28,558▲
2024 · €12,874
Income taxes
€1,072▲
2024 · €136
A ratio outside any meaningful range has been withheld (balance sheet total €30,670, equity €1,121).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 2,157 companies that looked in July 2024 the way this one looks now, 3.0% went bankrupt within 24 months and 94% are still going.

  • Micro
  • 2 to 5 years old
  • solvency under 10%
  • a profit of 5% of the balance sheet or more
3.0% went bankrupt
2.8% stopped otherwise
94% still going

A further 0.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.6% 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 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.8%
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 2,157 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet Code20242025
Assets
Total assets20/58€3,413€30,670▲
Fixed assets21/28€1,218€14,559▲
Tangible fixed assets22/27€918€14,559▲
Land and buildings22-€7,028
Plant, machinery and equipment23€811€2,050▲
Furniture and vehicles24€107€5,481▲
Financial fixed assets28€300€0▼
Current assets29/58€2,195€16,110▲
Amounts receivable within one year40/41€113€12,981▲
Trade receivables40€0€12,580▲
Other amounts receivable41€113€401▲
Cash at bank and in hand54/58€1,007€2,054▲
Deferred charges and accrued income490/1€1,076€1,076=
Equity and liabilities
Total equity and liabilities10/49€3,413€30,670▲
Equity10/15-€9,461€1,121▲
Contributions10/11€2,500€2,500=
Profit (loss) carried forward14-€11,961-€1,379▲
Amounts payable17/49€12,874€29,548▲
Amounts payable within one year42/48€12,874€28,558▲
Trade debts44€805€6,017▲
Suppliers440/4€805€6,017▲
Taxes, remuneration and social security45€150€3,614▲
Taxes450/3€150€3,614▲
Other amounts payable47/48€11,919€18,927▲
Accrued charges and deferred income492/3-€990
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€401€1,700▲
Other operating charges640/8€698€1,255▲
Gross operating margin9900€1,117€20,632▲
Operating profit (loss)9901€18€17,676▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€113€1,022▲
Recurring financial charges65€113€1,022▲
Profit (loss) for the period before taxes9903-€94€16,654▲
Income taxes67/77€136€1,072▲
Profit (loss) for the period9904-€230€15,583▲
Profit (loss) for the period to be appropriated9905-€230€15,583▲
Appropriation of the result
Profit (loss) to be appropriated9906-€11,961€3,621▲
Profit (loss) brought forward from the previous period14P-€11,731-€11,961▼
Profit to be distributed694/7-€5,000
Directors or managers695-€5,000

The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€245€352€401€1,700▲ 324%
Other operating charges640/8€791€828€698€1,255▲ 79.9%
Gross operating margin9900€289-€9,251€1,117€20,632▲ 1,747%
Operating profit (loss)9901-€747-€10,431€18€17,676▲ 96,863%
Financial income75/76B-€60€0€0▼ 100%
Recurring financial income75-€60€0€0▼ 100%
Financial charges65/66B€182€71€113€1,022▲ 808%
Recurring financial charges65€182€71€113€1,022▲ 808%
Profit (loss) for the period before taxes9903-€929-€10,442-€94€16,654▲ 17,761%
Income taxes67/77€216€145€136€1,072▲ 690%
Profit (loss) for the period9904-€1,144-€10,587-€230€15,583▲ 6,874%
Profit (loss) for the period to be appropriated9905-€1,144-€10,587-€230€15,583▲ 6,874%
Line2022202320242025Change
Assets
Total assets20/58€4,041€2,476€3,413€30,670▲ 799%
Fixed assets21/28€1,112€760€1,218€14,559▲ 1,095%
Tangible fixed assets22/27€812€460€918€14,559▲ 1,486%
Land and buildings22---€7,028-
Plant, machinery and equipment23--€811€2,050▲ 153%
Furniture and vehicles24€812€460€107€5,481▲ 5,013%
Financial fixed assets28€300€300€300€0▼ 100%
Current assets29/58€2,929€1,716€2,195€16,110▲ 634%
Amounts receivable within one year40/41€280€606€113€12,981▲ 11,400%
Trade receivables40€279€606€0€12,580-
Other amounts receivable41€1€0€113€401▲ 255%
Cash at bank and in hand54/58€1,645€71€1,007€2,054▲ 104%
Deferred charges and accrued income490/1€1,004€1,038€1,076€1,076=
Equity and liabilities
Total equity and liabilities10/49€4,041€2,476€3,413€30,670▲ 799%
Equity10/15€1,356-€9,231-€9,461€1,121▲ 112%
Contributions10/11€2,500€2,500€2,500€2,500=
Profit (loss) carried forward14-€1,144-€11,731-€11,961-€1,379▲ 88.5%
Amounts payable17/49€2,685€11,707€12,874€29,548▲ 130%
Amounts payable within one year42/48€2,685€11,707€12,874€28,558▲ 122%
Trade debts44€363€0€805€6,017▲ 647%
Suppliers440/4€363€0€805€6,017▲ 647%
Taxes, remuneration and social security45€322€689€150€3,614▲ 2,304%
Taxes450/3€322€689€150€3,614▲ 2,304%
Other amounts payable47/48€2,000€11,018€11,919€18,927▲ 58.8%
Accrued charges and deferred income492/3---€990-
Line2022202320242025Change
Profit (loss) for the period9904-€1,144-€10,587-€230€15,583▲ 6,874%
+ Depreciation and write-downs630€245€352€401€1,700▲ 324%
Operating cash flow (approximation)-€899-€10,235€171€17,283▲ 10,000%
Investment in fixed assets (approximation)-€0-€859-€15,042▼ 1,650%
Change in cash--€1,574€935€1,047▲ 12.0%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
22-04
State Gazette act Legal form clause · Name clause
Registered office clause · Duration
06-02
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial Back to profitnet €15,583
Net result €15,583 after 3 loss-making years.
17-02
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
23-02
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial Weakest financial yearnet -€10,587
Net result drops to -€10,587, the lowest in the series; recovery starts the following year.
24-02
NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema
Financial milestoneState Gazette actNBB 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
No directors read yet: 0 of 2 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Heusden-Zolder · 1 establishment unit since 2022
seat establishment The establishment unit on the map
Ground area
781 m²
Building footprint
147 m²
Volume, LiDAR
724 m³
Parcel 71065F0705/00L000, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bex Consultancy
Oude Schans 5, 3550 Heusden-ZolderRetail trade
since 20222.329.069.968
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
71065F0705/00L000 Flanders 780 m² 1 · 147 m² 7.7 m · 2 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.

Similar companies · same sector, comparable size

Of 1,636 companies in this sector we hold annual accounts for 670. 123 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company details

Identification
Legal formPrivate limited company
Founded22-03-2022
Fiscal year end31-12
Activities, NACEBEL 2025
46170Agents in the wholesale of food, beverages and tobacco
46180Agents specialised in the wholesale of other particular products
46190Agents in non-specialised wholesale trade
47120Other non-specialised retail sale
73300Public relations and communication consultancy
E-invoicing
Reachable via Peppol
Peppol ID 0208:0783664780
Also 9925:BE0783664780
Registered 31-07-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 1 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.