BIENFAIT
ActiveSummary
BIENFAIT has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €332,948 and a net result of -€20,165. Equity is growing by ~9.9% per year across the filed fiscal years. Its solvency ranks better than 76% of 18606 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability20▼-59
Solvency90▲+5
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22,000 at 30 days acceptable
Liquidity ample (current ratio 4.87 against 3.4 in 2024; short-term debt: 13.3% and cash: 37.1% of total assets), and 35% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 31-12-2025 was due by 31-07-2026 and was filed on 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
16 d early
2023
19 d early
2022
9 d late
2021
10 d late
2020
27 d late
2019
31 d late
← 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 3 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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 15 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€332,948▼ 15.3%
2024 · €393,113
Total assets
€511,909▼ 22.2%
2024 · €658,096
Net result
-€20,165
2024 · €55,719
Working capital
€262,906▼ 18.1%
2024 · €321,122
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, 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€61,044▼ 46.5%€45,581▼ 25.3%€108,499▲ 138%€70,581▼ 34.9%-€16,009
Net result€56,554above the sector's middle half▼ 42.9%€42,840above the sector's middle half▼ 24.2%€94,694above the sector's middle half▲ 121%€55,719above the sector's middle half▼ 41.2%-€20,165below the sector's middle half
Equity€303,859above the sector's middle half▲ 7.3%€314,700above the sector's middle half▲ 3.6%€361,394above the sector's middle half▲ 14.8%€393,113above the sector's middle half▲ 8.8%€332,948above the sector's middle half▼ 15.3%
Total assets€679,845above the sector's middle half▲ 2.1%€661,079above the sector's middle half▼ 2.8%€624,794above the sector's middle half▼ 5.5%€658,096above the sector's middle half▲ 5.3%€511,909above the sector's middle half▼ 22.2%
Debt€375,986▼ 1.7%€346,379▼ 7.9%€263,400▼ 24.0%€264,983▲ 0.6%€178,961▼ 32.5%
Working capital€200,939above the sector's middle half▲ 13.3%€225,644above the sector's middle half▲ 12.3%€281,085above the sector's middle half▲ 24.6%€321,122above the sector's middle half▲ 14.2%€262,906above the sector's middle half▼ 18.1%
Solvency44.7%within the sector's middle half▲ 2.2pp47.6%within the sector's middle half▲ 2.9pp57.8%within the sector's middle half▲ 10.2pp59.7%within the sector's middle half▲ 1.9pp65.0%above the sector's middle half▲ 5.3pp
Current ratio2.07within the sector's middle half▲ 0.062.27within the sector's middle half▲ 0.203.44above the sector's middle half▲ 1.183.40above the sector's middle half▼ 0.054.87above the sector's middle half▲ 1.48
Return on assets (ROA)8.3%within the sector's middle half▼ 6.6pp6.5%within the sector's middle half▼ 1.8pp15.2%above the sector's middle half▲ 8.7pp8.5%within the sector's middle half▼ 6.7pp-3.9%below the sector's middle half▼ 12.4pp
Staff (FTE)11=0.8▼ 20.0%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €16,009 after €70,581 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €511,909
Fixed assets
€181,079 ▼ 10.8%
Current assets
€330,830 ▼ 27.3%
Equity and liabilities €511,909
Equity
€332,948 ▼ 15.3%
Debt
€178,961 ▼ 32.5%
Debt's share of the balance-sheet total falls from 40.3% to 35.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€5,826▼
2024 · €97,843
Cash flow
€1,670▼
2024 · €82,981
Quick ratio
3.22▲
2024 · 2.61
Debt to equity
0.54▼
2024 · 0.67
ROE
-6.1%▼
2024 · 14.2%
Interest coverage
0.76▼
2024 · 20.96
Debt ≤ 1 year
€67,924▼
2024 · €134,060
Debt > 1 year
€109,321▼
2024 · €129,206
Income taxes
€332▼
2024 · €11,810
Staff costs
€87▲
2024 · -€71
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,687 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 94% are still going.
- Small
- 10 to 20 years old
- solvency 30% or more
- a small loss
0.6%
went bankrupt
5.4%
stopped otherwise
94%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 0.8% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
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 2,687 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €50 | €51 | €1 | - | €23 | - |
| Remuneration, social security and pensions62 | €15,400 | €10,245 | €9,057 | -€71 | €87 | ▲ 223% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €39,580 | €38,366 | €28,729 | €27,262 | €21,835 | ▼ 19.9% |
| Other operating charges640/8 | €1,818 | €7,288 | €2,566 | €2,663 | €1,934 | ▼ 27.4% |
| Non-recurring operating charges66A | €214 | - | €58 | €357 | €182 | ▼ 49.0% |
| Gross operating margin9900 | €118,056 | €101,480 | €148,909 | €100,792 | €8,029 | ▼ 92.0% |
| Operating profit (loss)9901 | €61,044 | €45,581 | €108,499 | €70,581 | -€16,009 | ▼ 123% |
| Financial income75/76B | €11,385 | €10,562 | €7,982 | €1,619 | €5,407 | ▲ 234% |
| Recurring financial income75 | €11,385 | €10,562 | €7,982 | €1,619 | €5,407 | ▲ 234% |
| Financial charges65/66B | €5,875 | €6,463 | €5,601 | €4,671 | €9,231 | ▲ 97.6% |
| Recurring financial charges65 | €5,775 | €6,249 | €5,592 | €4,668 | €7,686 | ▲ 64.7% |
| Non-recurring financial charges66B | €100 | €214 | €9 | €3 | €1,545 | ▲ 51,400% |
| Profit (loss) for the period before taxes9903 | €66,554 | €49,680 | €110,880 | €67,529 | -€19,833 | ▼ 129% |
| Income taxes67/77 | €10,000 | €6,840 | €16,186 | €11,810 | €332 | ▼ 97.2% |
| Profit (loss) for the period9904 | €56,554 | €42,840 | €94,694 | €55,719 | -€20,165 | ▼ 136% |
| Profit (loss) for the period to be appropriated9905 | €56,554 | €42,840 | €94,694 | €55,719 | -€20,165 | ▼ 136% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €679,845 | €661,079 | €624,794 | €658,096 | €511,909 | ▼ 22.2% |
| Fixed assets21/28 | €290,904 | €257,443 | €228,714 | €202,914 | €181,079 | ▼ 10.8% |
| Intangible fixed assets21 | €10,000 | - | - | - | - | - |
| Tangible fixed assets22/27 | €280,904 | €257,443 | €228,714 | €202,914 | €181,079 | ▼ 10.8% |
| Land and buildings22 | €221,900 | €207,106 | €192,313 | €177,520 | €162,726 | ▼ 8.3% |
| Plant, machinery and equipment23 | €50,612 | €43,641 | €33,363 | €23,085 | €17,736 | ▼ 23.2% |
| Furniture and vehicles24 | €8,392 | €6,696 | €3,038 | €2,309 | €617 | ▼ 73.3% |
| Current assets29/58 | €388,941 | €403,636 | €396,080 | €455,182 | €330,830 | ▼ 27.3% |
| Stocks and contracts in progress3 | €80,648 | €106,953 | €122,862 | €105,520 | €112,395 | ▲ 6.5% |
| Stocks30/36 | €80,648 | €106,953 | €122,862 | €105,520 | €112,395 | ▲ 6.5% |
| Amounts receivable within one year40/41 | €5,200 | €6,194 | - | €108,699 | €27,796 | ▼ 74.4% |
| Trade receivables40 | - | €6,194 | - | €108,699 | €25,486 | ▼ 76.6% |
| Other amounts receivable41 | €5,200 | - | - | - | €2,310 | - |
| Cash at bank and in hand54/58 | €303,093 | €290,489 | €273,218 | €240,963 | €190,138 | ▼ 21.1% |
| Deferred charges and accrued income490/1 | - | - | - | - | €501 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €679,845 | €661,079 | €624,794 | €658,096 | €511,909 | ▼ 22.2% |
| Equity10/15 | €303,859 | €314,700 | €361,394 | €393,113 | €332,948 | ▼ 15.3% |
| Contributions10/11 | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Reserves13 | €142,000 | €152,000 | €172,000 | €202,000 | €162,000 | ▼ 19.8% |
| Non-distributable reserves130/1 | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Reserves not available under the articles1311 | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Distributable reserves133 | €140,000 | €150,000 | €170,000 | €200,000 | €160,000 | ▼ 20.0% |
| Profit (loss) carried forward14 | €141,859 | €142,700 | €169,394 | €171,113 | €150,948 | ▼ 11.8% |
| Amounts payable17/49 | €375,986 | €346,379 | €263,400 | €264,983 | €178,961 | ▼ 32.5% |
| Amounts payable after more than one year17 | €180,471 | €163,772 | €146,687 | €129,206 | €109,321 | ▼ 15.4% |
| Financial debts170/4 | €180,471 | €163,772 | €146,687 | €129,206 | €109,321 | ▼ 15.4% |
| Amounts payable within one year42/48 | €188,002 | €177,992 | €114,995 | €134,060 | €67,924 | ▼ 49.3% |
| Current portion of amounts payable after more than one year42 | €16,321 | €16,699 | €17,085 | €17,481 | €17,886 | ▲ 2.3% |
| Trade debts44 | €1,232 | €23,741 | €3,328 | €10,800 | €8,557 | ▼ 20.8% |
| Suppliers440/4 | €1,232 | €23,741 | €3,328 | €10,800 | €8,557 | ▼ 20.8% |
| Advances received on contracts in progress46 | €78,567 | €72,808 | €4,283 | €54,687 | €16,962 | ▼ 69.0% |
| Taxes, remuneration and social security45 | €26,433 | €24,635 | €33,027 | €19,938 | €17,867 | ▼ 10.4% |
| Taxes450/3 | €22,193 | €21,269 | €32,463 | €19,938 | €17,867 | ▼ 10.4% |
| Remuneration and social security454/9 | €4,240 | €3,366 | €564 | - | - | - |
| Other amounts payable47/48 | €65,449 | €40,109 | €57,272 | €31,154 | €6,652 | ▼ 78.6% |
| Accrued charges and deferred income492/3 | €7,513 | €4,615 | €1,718 | €1,717 | €1,716 | ▼ 0.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €56,554 | €42,840 | €94,694 | €55,719 | -€20,165 | ▼ 136% |
| + Depreciation and write-downs630 | €39,580 | €38,366 | €28,729 | €27,262 | €21,835 | ▼ 19.9% |
| Operating cash flow (approximation) | €96,134 | €81,206 | €123,423 | €82,981 | €1,670 | ▼ 98.0% |
| Investment in fixed assets (approximation) | - | -€4,905 | €0 | -€1,462 | €0 | ▲ 100% |
| Change in cash | - | -€12,604 | -€17,271 | -€32,255 | -€50,825 | ▼ 57.6% |
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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet -€20,165
Net result drops to -€20,165, the lowest in the series.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
09-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 days late
2022
10-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 10 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Highest result since 2018net €99,065 ▲20.2%
Operating result €114,190, net result €99,065, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Equity above €200,000Eq €208,240 ▲31.9%
2 profitable years in a row build equity to €208,240.
06-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 6 days late
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
09-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 9 days late
Financial milestoneNBB 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
2 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, La Hulpe · 1 establishment unit since 2013
Ground area
2,504 m²
Building footprint
188 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
BIENFAIT WELLNESS & SPA
since 20132.220.326.634
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25050C0116/00G003 | Wallonia | 1,785 m² | 1 · 62 m² | - |
| 25050C0195/00H002 | Wallonia | 719 m² | 1 · 126 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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
Group 2-R. Vanhevel
BE 0407.114.344
Brussel · Eq €333,065
KAAI DESIGN
BE 0458.746.058
Antwerpen · Eq €332,186
INHUIS
BE 0420.773.330
Brugge · Eq €334,397
DELMI - DECOR
BE 0414.771.010
Kortrijk · Eq €330,948
MOBIREVE
BE 0455.539.813
Mouscron · Eq €329,949
Of 2,606 companies in sector 47551 we hold annual accounts for 1,723. 1,288 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
Founded19-03-2013
Fiscal year end31-12
Activities, NACEBEL 2025
47551Retail sale of household furniture
46180Agents specialised in the wholesale of other particular products
46442Wholesale trade
47750Retail sale of cosmetics and toilet articles
47783Retail trade
47789Other retail sale of new goods
E-invoicing
Reachable via Peppol
Peppol ID
0208:0524676661
Also
9925:BE0524676661
Registered
04-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.