P & J Benedict
ActiveSummary
P & J Benedict has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €50k and a net result of €2k. Equity is growing by ~53.5% per year across the filed fiscal years. Its solvency ranks better than 33% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-29
Solvency63=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 1.64 against 1.63 in 2024; short-term debt: 49.3% and cash: 34.6% of total assets), but 61.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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
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
38.4%
Return on assets
1.5%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-03-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
30 d early
2023
32 d early
2022
30 d early
2021
5 d early
2020
32 d early
2019
34 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€50k▲ 4.1%
2024 · €48k
2018: €-142k
2019: €-88k
2020: €-54k
2021: €-43k
2022: €-37k
2023: €10k
2024: €48k
2018 → 2025
Total assets
€131k▲ 2.3%
2024 · €128k
2018: €147k
2019: €114k
2020: €143k
2021: €113k
2022: €123k
2023: €108k
2024: €128k
2018 → 2025
Net result
€2k▼ 94.8%
2024 · €38k
2018: €83k
2019: €54k
2020: €35k
2021: €11k
2022: €6k
2023: €47k
2024: €38k
2018 → 2025
Working capital
€41k▲ 14.5%
2024 · €36k
2018: €-144k
2019: €-96k
2020: €-58k
2021: €-45k
2022: €-39k
2023: €7k
2024: €36k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-43k-€-37k▲ 13.4%€10k€48k▲ 377%€50k▲ 4.1%
Operating result€18k-€11k▼ 40.3%€65k▲ 513%€46k▼ 29.5%€6k▼ 87.4%
Net result€11k-€6k▼ 47.8%€47k▲ 722%€38k▼ 18.9%€2k▼ 94.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 87% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €131k
Fixed assets
€25k ▼ 28.5%
Current assets
€105k ▲ 14.1%
Equity and liabilities €131k
Equity
€50k ▲ 4.1%
Debt
€80k ▲ 1.2%
Debt's share of the balance-sheet total falls from 62.2% to 61.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€14k▼
2024 · €52k
Cash flow
€10k▼
2024 · €45k
Current ratio
1.64▲
2024 · 1.63
Debt to equity
1.60▼
2024 · 1.65
ROE
3.9%▼
2024 · 79.0%
ROA
1.5%▼
2024 · 29.8%
Interest coverage
8.14▼
2024 · 30.91
Debt ≤ 1 year
€64k▲
2024 · €57k
Debt > 1 year
€16k▼
2024 · €23k
Income taxes
€2k▼
2024 · €17k
Staff costs
€134k▼
2024 · €141k
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€128k€131k▲
Fixed assets21/28€35k€25k▼
Tangible fixed assets22/27€34k€24k▼
Plant, machinery and equipment23€4k€1k▼
Furniture and vehicles24€516€67▼
Leasing and similar rights25€29k€22k▼
Financial fixed assets28€2k€2k=
Current assets29/58€92k€105k▲
Amounts receivable within one year40/41€52k€59k▲
Trade receivables40€52k€51k▼
Other amounts receivable41-€8k
Cash at bank and in hand54/58€41k€45k▲
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€128k€131k▲
Equity10/15€48k€50k▲
Contributions10/11€24k€24k=
Reserves13€25k€25k=
Distributable reserves133€25k€25k=
Profit (loss) carried forward14€73€2k▲
Amounts payable17/49€79k€80k▲
Amounts payable after more than one year17€23k€16k▼
Financial debts170/4€23k€16k▼
Amounts payable within one year42/48€57k€64k▲
Current portion of amounts payable after more than one year42€7k€6k▼
Trade debts44€32k€40k▲
Suppliers440/4€32k€40k▲
Taxes, remuneration and social security45€17k€17k▲
Taxes450/3€5k€5k▲
Remuneration and social security454/9€13k€13k▼
Other amounts payable47/48€269-
Income statement
Code20242025
Remuneration, social security and pensions62€141k€134k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€8k▲
Other operating charges640/8€3k€3k▼
Gross operating margin9900€196k€150k▼
Operating profit (loss)9901€46k€6k▼
Financial income75/76B€11k-
Recurring financial income75€11k-
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€55k€4k▼
Income taxes67/77€17k€2k▼
Profit (loss) for the period9904€38k€2k▼
Profit (loss) for the period to be appropriated9905€38k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€22k€2k▼
Profit (loss) brought forward from the previous period14P€-16k€73▲
Transfer to equity691/2€22k-
To other reserves6921€22k-
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €2k ▼94.8%
Net result drops to €2k, the lowest in the series.
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
10-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Sint-Niklaas · 1 establishment unit since 2000
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.
Industriepark-West 759100 Sint-NiklaasGround area
581 m²
Parcel 46445D1776/00R000, Flanders. Linked by address, not a title deed.
1 establishment unit
Industriepark-West 75, 9100 Sint-Niklaas
since 20002.116.097.164
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46445D1776/00R000 | Flanders | 581 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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VAN GOETHEM SOLUTIONS
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ALF SOLUTIONS
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Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 15,261 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-11-2000
Fiscal year end30-09
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
62900Other information technology and computer services
62100Computer programming
63100Computing infrastructure, data processing, hosting and related activities
73200Market research and public opinion polling
95100Repair and maintenance of computers and communication equipment
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.