MAISON BEGHUIN
ActiveSummary
MAISON BEGHUIN has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €435,179 and a net result of €26,019. Equity is growing by ~9.8% per year across the filed fiscal years. Its solvency ranks better than 85% of 647 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability74=
Solvency100▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35,000 at 30 days acceptable
Liquidity ample (current ratio 4.88 against 3.83 in 2024; short-term debt: 14.9% and cash: 23.8% of total assets), and 24.2% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 10
Relative position
BE, all sectors
reference
Manufacture of food products (NACE 10)
about 60% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
75.8%
Return on assets
4.5%
Age of the figures
9 mo
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 15-05-2026, 77 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
77 d early
2024
29 d late
2023
13 d early
2022
42 d early
2021
33 d early
2020
87 d early
2019
59 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 40 days before 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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
In the rankings
#5 oldest company in the province of Namur, Food products sector
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€26,019▲ 0.2%
2024 · €25,955
Working capital
€332,061▲ 13.5%
2024 · €292,530
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
Line20212022202320242025
Operating result€80,104▲ 11.4%€34,379▼ 57.1%€34,749▲ 1.1%€32,651▼ 6.0%€33,801▲ 3.5%
Net result€58,146▼ 6.9%€31,260▼ 46.2%€25,331▼ 19.0%€25,955▲ 2.5%€26,019▲ 0.2%
Equity€343,797▲ 18.6%€370,761▲ 7.8%€391,796▲ 5.7%€413,455▲ 5.5%€435,179▲ 5.3%
Total assets€544,487▲ 0.2%€602,050▲ 10.6%€559,059▼ 7.1%€581,324▲ 4.0%€574,013▼ 1.3%
Debt€200,690▼ 20.8%€231,289▲ 15.2%€167,263▼ 27.7%€167,868▲ 0.4%€138,834▼ 17.3%
Working capital€256,708▲ 25.9%€257,932▲ 0.5%€274,006▲ 6.2%€292,530▲ 6.8%€332,061▲ 13.5%
Staff (FTE)2=2.2▲ 10.0%2▼ 9.1%1.8▼ 10.0%1.8=
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 4% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €574,013
Fixed assets
€156,407 ▼ 15.6%
Current assets
€417,606 ▲ 5.5%
Equity and liabilities €574,013
Equity
€435,179 ▲ 5.3%
Debt
€138,834 ▼ 17.3%
Debt's share of the balance-sheet total falls from 28.9% to 24.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€89,039▲
2024 · €84,796
Cash flow
€81,257▲
2024 · €78,101
Current ratio
4.88▲
2024 · 3.83
Quick ratio
4.06▲
2024 · 3.30
Debt to equity
0.32▼
2024 · 0.41
ROE
6.0%▼
2024 · 6.3%
ROA
4.5%▲
2024 · 4.5%
Interest coverage
21.21▼
2024 · 27.61
Debt ≤ 1 year
€85,546▼
2024 · €103,411
Debt > 1 year
€52,426▼
2024 · €63,594
Income taxes
€8,410▲
2024 · €8,206
Staff costs
€100,104▼
2024 · €101,603
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 16,986 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
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 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
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 16,986 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 | €3,719 | €372 | - | €5,000 | - | - |
| Remuneration, social security and pensions62 | €88,987 | €97,093 | €102,600 | €101,603 | €100,104 | ▼ 1.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €42,610 | €45,995 | €51,735 | €52,145 | €55,238 | ▲ 5.9% |
| Other operating charges640/8 | €5,271 | €5,698 | €5,760 | €5,987 | €6,039 | ▲ 0.9% |
| Gross operating margin9900 | €216,973 | €183,164 | €194,843 | €192,387 | €195,182 | ▲ 1.5% |
| Operating profit (loss)9901 | €80,104 | €34,379 | €34,749 | €32,651 | €33,801 | ▲ 3.5% |
| Financial income75/76B | €4,296 | €4,296 | €4,296 | €4,582 | €4,826 | ▲ 5.3% |
| Recurring financial income75 | €4,296 | €4,296 | €4,296 | €4,582 | €4,826 | ▲ 5.3% |
| Financial charges65/66B | €3,373 | €3,890 | €3,032 | €3,072 | €4,197 | ▲ 36.6% |
| Recurring financial charges65 | €3,373 | €3,890 | €3,032 | €3,072 | €4,197 | ▲ 36.6% |
| Profit (loss) for the period before taxes9903 | €81,027 | €34,785 | €36,012 | €34,161 | €34,429 | ▲ 0.8% |
| Income taxes67/77 | €22,880 | €3,525 | €10,682 | €8,206 | €8,410 | ▲ 2.5% |
| Profit (loss) for the period9904 | €58,146 | €31,260 | €25,331 | €25,955 | €26,019 | ▲ 0.2% |
| Profit (loss) for the period to be appropriated9905 | €58,146 | €31,260 | €25,331 | €25,955 | €26,019 | ▲ 0.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €544,487 | €602,050 | €559,059 | €581,324 | €574,013 | ▼ 1.3% |
| Fixed assets21/28 | €196,822 | €227,422 | €181,908 | €185,383 | €156,407 | ▼ 15.6% |
| Tangible fixed assets22/27 | €196,522 | €227,122 | €181,608 | €185,083 | €156,107 | ▼ 15.7% |
| Land and buildings22 | €32,016 | €31,017 | €30,018 | €29,019 | €28,020 | ▼ 3.4% |
| Plant, machinery and equipment23 | €136,544 | €175,844 | €139,031 | €99,236 | €87,240 | ▼ 12.1% |
| Furniture and vehicles24 | €27,962 | €20,261 | €12,559 | €56,828 | €40,847 | ▼ 28.1% |
| Financial fixed assets28 | €300 | €300 | €300 | €300 | €300 | = |
| Current assets29/58 | €347,665 | €374,628 | €377,151 | €395,941 | €417,606 | ▲ 5.5% |
| Stocks and contracts in progress3 | €62,923 | €68,326 | €68,057 | €54,862 | €69,907 | ▲ 27.4% |
| Stocks30/36 | €62,923 | €68,326 | €68,057 | €54,862 | €69,907 | ▲ 27.4% |
| Amounts receivable within one year40/41 | €149,605 | €200,938 | €196,239 | €204,298 | €210,876 | ▲ 3.2% |
| Trade receivables40 | €137,534 | €170,237 | €162,964 | €169,087 | €174,642 | ▲ 3.3% |
| Other amounts receivable41 | €12,071 | €30,701 | €33,275 | €35,211 | €36,234 | ▲ 2.9% |
| Cash at bank and in hand54/58 | €135,138 | €105,364 | €112,855 | €136,780 | €136,823 | = |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €544,487 | €602,050 | €559,059 | €581,324 | €574,013 | ▼ 1.3% |
| Equity10/15 | €343,797 | €370,761 | €391,796 | €413,455 | €435,179 | ▲ 5.3% |
| Contributions10/11 | €68,600 | €68,600 | €68,600 | €68,600 | €68,600 | = |
| Reserves13 | €186,860 | €186,860 | €186,860 | €186,860 | €186,860 | = |
| Non-distributable reserves130/1 | €6,860 | €6,860 | - | - | - | - |
| Reserves not available under the articles1311 | €6,860 | €6,860 | - | - | - | - |
| Distributable reserves133 | €180,000 | €180,000 | €186,860 | €186,860 | €186,860 | = |
| Profit (loss) carried forward14 | €62,559 | €93,819 | €119,150 | €145,105 | €171,124 | ▲ 17.9% |
| Investment grants15 | €25,778 | €21,482 | €17,186 | €12,891 | €8,595 | ▼ 33.3% |
| Amounts payable17/49 | €200,690 | €231,289 | €167,263 | €167,868 | €138,834 | ▼ 17.3% |
| Amounts payable after more than one year17 | €108,661 | €113,600 | €63,183 | €63,594 | €52,426 | ▼ 17.6% |
| Financial debts170/4 | €108,661 | €113,600 | €63,183 | €63,594 | €52,426 | ▼ 17.6% |
| Amounts payable within one year42/48 | €90,957 | €116,697 | €103,144 | €103,411 | €85,546 | ▼ 17.3% |
| Current portion of amounts payable after more than one year42 | €40,117 | €53,719 | €50,417 | €52,346 | €35,293 | ▼ 32.6% |
| Trade debts44 | €22,233 | €36,159 | €25,225 | €24,233 | €22,770 | ▼ 6.0% |
| Suppliers440/4 | €22,233 | €36,159 | €25,225 | €24,233 | €22,770 | ▼ 6.0% |
| Taxes, remuneration and social security45 | €28,607 | €26,602 | €27,503 | €26,832 | €27,483 | ▲ 2.4% |
| Taxes450/3 | €2,880 | - | - | - | - | - |
| Remuneration and social security454/9 | €25,727 | €26,602 | €27,503 | €26,832 | €27,483 | ▲ 2.4% |
| Other amounts payable47/48 | - | €217 | - | - | - | - |
| Accrued charges and deferred income492/3 | €1,072 | €992 | €936 | €863 | €862 | ▼ 0.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €58,146 | €31,260 | €25,331 | €25,955 | €26,019 | ▲ 0.2% |
| + Depreciation and write-downs630 | €42,610 | €45,995 | €51,735 | €52,145 | €55,238 | ▲ 5.9% |
| Operating cash flow (approximation) | €100,756 | €77,255 | €77,065 | €78,101 | €81,257 | ▲ 4.0% |
| Investment in fixed assets (approximation) | - | -€76,594 | -€6,222 | -€55,620 | -€26,262 | ▲ 52.8% |
| Change in cash | - | -€29,774 | €7,491 | €23,926 | €43 | ▼ 99.8% |
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
15-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
19-03
State Gazette act
Resignation: Laurence Beghuin (director)2 facts ▸
State Gazette act
Resignation: Laurence Beghuin (director)
2 facts ▸
- General meeting, 09/02/2026
- Director resignation, Laurence Beghuin (director)
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet €25,331 ▼19%
Net result drops to €25,331, the lowest in the series; recovery starts the following year.
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
05-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Highest result since 2018net €62,442 ▲30%
Net result €62,442, the highest in the series.
02-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Equity above €200,000Eq €231,800 ▲31.4%
2 profitable years in a row build equity to €231,800.
23-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
15-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
18-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 4 acts read
About the unread acts
Of the 4 Belgian State Gazette acts we know for this company, 1 has been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
no sitting director, last change in 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Not every act has been read: a resignation may be missing here
3 of this company's 4 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, Dinant · 1 establishment unit since 1983
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Pont-d'Amour 45500 Dinant1 establishment unit
Pont-d'Amour 4, 5500 Dinant
since 19832.021.508.308
Mandate history
1 person since 2026, 0 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| BEGHUIN Laurence |
|
Recognitions · licences · registrations
Food safety, FASFC
1 siteDinant2.021.508.308
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Of 329 companies in sector 10130 we hold annual accounts for 234. 156 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
Founded01-01-1983
Fiscal year end31-12
Activities, NACEBEL 2025
10130Manufacture of food products
47110Non-specialised retail sale with food, beverages or tobacco predominating
Contact
Website
www.salaisonsdupontdamour.beDinant
E-mail
info@salaisonsdupontdamour.beDinant
Phone
082/224892Dinant
E-invoicing
Reachable via Peppol
Peppol ID
0208:0423355015
Also
9925:BE0423355015
Registered
26-08-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.