RAF BEENDERS
ActiveRAF BEENDERS has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33k and a net result of €2k. Equity is shrinking by ~4% per year across the filed fiscal years. Its solvency ranks better than 39% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72=
Solvency67▼-6
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 1.82 against 1.85 in 2024; short-term debt: 30.5% and cash: 41% of total assets), but 57.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 71
Relative position
BE, all sectors
reference
Sector 71
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
42.2%
Return on assets
2.3%
Age of the figures
9 mo
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 €33k
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
32 d early
2023
31 d early
2022
31 d early
2021
6 d early
2020
3 d early
2019
87 d late
← before the deadline
after the deadline →
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€33k▲ 5.7%
2024 · €31k
2018: €37k
2019: €42k
2020: €51k
2021: €35k
2022: €29k
2023: €29k
2024: €31k
2018 → 2025
Total assets
€78k▲ 20.7%
2024 · €64k
2018: €104k
2019: €90k
2020: €83k
2021: €92k
2022: €73k
2023: €70k
2024: €64k
2018 → 2025
Net result
€2k▲ 10.2%
2024 · €2k
2018: €2k
2019: €5k
2020: €9k
2021: €-16k
2022: €-6k
2023: €556
2024: €2k
2018 → 2025
Working capital
€19k▲ 14.7%
2024 · €17k
2018: €-34k
2019: €-18k
2020: €7k
2021: €-5k
2022: €309
2023: €14k
2024: €17k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€35k-€29k▼ 17.6%€29k▲ 1.9%€31k▲ 5.5%€33k▲ 5.7%
Operating result€-14k-€-5k▲ 65.6%€2k€3k▲ 65.2%€4k▲ 19.7%
Net result€-16k-€-6k▲ 60.7%€556€2k▲ 188%€2k▲ 10.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 20% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €78k
Fixed assets
€35k▲ 25.0%
Current assets
€43k▲ 17.4%
Equity and liabilities €78k
Equity
€33k▲ 5.7%
Debt
€45k▲ 34.6%
The debt ratio rises from 51.8% to 57.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€19k▲
2024 · €17k
Cash flow
€17k▲
2024 · €16k
Solvency
42.2%▼
2024 · 48.2%
Current ratio
1.82▼
2024 · 1.85
Quick ratio
1.82▼
2024 · 1.85
Debt / equity
1.37▲
2024 · 1.08
ROE
5.4%▲
2024 · 5.2%
ROA
2.3%▼
2024 · 2.5%
Interest coverage
10.73▼
2024 · 14.10
Debt
€45k▲
2024 · €33k
Debt ≤ 1 year
€24k▲
2024 · €20k
Debt > 1 year
€21k▲
2024 · €14k
Income taxes
€200▲
2024 · €178
Staff costs
€5k▲
2024 · €98
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€64k€78k▲
Fixed assets21/28€28k€35k▲
Tangible fixed assets22/27€28k€35k▲
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€21k€31k▲
Current assets29/58€37k€43k▲
Amounts receivable within one year40/41€21k€11k▼
Trade receivables40€21k€6k▼
Other amounts receivable41€148€4k▲
Cash at bank and in hand54/58€8k€32k▲
Deferred charges and accrued income490/1€8k€460▼
Equity and liabilities
Total equity and liabilities10/49€64k€78k▲
Equity10/15€31k€33k▲
Contributions10/11€12k€12k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€17k€19k▲
Amounts payable17/49€33k€45k▲
Amounts payable after more than one year17€14k€21k▲
Financial debts170/4€14k€21k▲
Amounts payable within one year42/48€20k€24k▲
Current portion of amounts payable after more than one year42€13k€11k▼
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45€6k€9k▲
Taxes450/3€6k€8k▲
Remuneration and social security454/9-€949
Income statement
Code20242025
Remuneration, social security and pensions62€98€5k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€15k▲
Other operating charges640/8€3k€1k▼
Gross operating margin9900€20k€25k▲
Operating profit (loss)9901€3k€4k▲
Financial income75/76B€0€139▲
Recurring financial income75€0€139▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€2k€2k▲
Income taxes67/77€178€200▲
Profit (loss) for the period9904€2k€2k▲
Profit (loss) for the period to be appropriated9905€2k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€17k€19k▲
Profit (loss) brought forward from the previous period14P€15k€17k▲
The notes to these accounts (8 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €556
Net result €556 after 2 loss-making years.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-16k ▼278%
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €9k ▲73.7%
Operating result €12k, net result €9k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.21
Current ratio from 0.58 to 1.21; short-term debt falls from €43k to €32k.
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 87 days late
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Hamont-Achel · 1 establishment unit since 2013
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.
Oude Watertorenstraat 153930 Hamont-AchelGround area
1,100 m²
Building footprint
146 m²
Volume, LiDAR
898 m³
Parcel 72012C0694/00K000, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Beenders Raf
since 20132.224.668.373
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72012C0694/00K000 | Flanders | 1,100 m² | 1 · 146 m² | 7.2 m · 2 fl. |
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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Of 1,759 companies in sector 71122 we hold annual accounts for 770. 594 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-12-2013
Fiscal year end31-12
Activities, NACEBEL
71122Land surveying
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:raf.beenders@telenet.be
Phone:0496518614