Summary
SOCIETE DE GESTION NOTARIALE BENOIT CLOET is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.59M and a net result of €-67k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 43% of 8023 sector peers (fiscal year 2025). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
51 d early
2023
21 d late
2022
42 d early
2021
29 d late
2020
96 d late
2019
21 d late
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.59M▼ 4.0%
2024 · €1.66M
2018: €2.08M
2019: €1.65M
2020: €1.61M
2021: €1.66M
2022: €1.77M
2023: €1.74M
2024: €1.66M
2018 → 2025
Net result
€-67k▲ 19.8%
2024 · €-84k
2018: €-39k
2019: €-426k
2020: €-42k
2021: €52k
2022: €103k
2023: €-23k
2024: €-84k
2018 → 2025
Total assets
€3.72M▼ 5.7%
2024 · €3.95M
2018: €3.54M
2019: €3.05M
2020: €3.74M
2021: €4.39M
2022: €4.32M
2023: €4.15M
2024: €3.95M
2018 → 2025
Solvency
42.8%▲ 0.7pp
2024 · 42.1%
2018: 58.7%
2019: 54.2%
2020: 43.0%
2021: 37.9%
2022: 40.9%
2023: 42.0%
2024: 42.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.66M-€1.77M▲ 6.2%€1.74M▼ 1.3%€1.66M▼ 4.8%€1.59M▼ 4.0%
Operating result€120k-€173k▲ 43.6%€64k▼ 63.3%€26k▼ 58.7%€29k▲ 12.1%
Net result€52k-€103k▲ 97.5%€-23k€-84k▼ 272%€-67k▲ 19.8%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 12% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.72M
Fixed assets
€3.48M ▼ 5.7%
Current assets
€248k ▼ 5.5%
Equity and liabilities €3.72M
Equity
€1.59M ▼ 4.0%
Debt
€2.13M ▼ 6.9%
Debt's share of the balance-sheet total falls from 57.9% to 57.2%. Equity and debt are lower.
Key figures and ratios
ROE
-4.2%▲
2024 · -5.1%
ROA
-1.8%▲
2024 · -2.1%
Debt ≤ 1 year
€1.36M▼
2024 · €1.37M
Debt > 1 year
€681k▼
2024 · €815k
Income taxes
€304▲
2024 · €185
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€3.95M€3.72M▼
Fixed assets21/28€3.69M€3.48M▼
Tangible fixed assets22/27€3.69M€3.48M▼
Land and buildings22€3.67M€3.47M▼
Furniture and vehicles24€18k€3k▼
Current assets29/58€262k€248k▼
Amounts receivable within one year40/41€932€1k▲
Trade receivables40€932€932=
Other amounts receivable41-€105
Cash at bank and in hand54/58€254k€240k▼
Deferred charges and accrued income490/1€7k€7k▼
Equity and liabilities
Total equity and liabilities10/49€3.95M€3.72M▼
Equity10/15€1.66M€1.59M▼
Contributions10/11€2.31M€2.31M=
Profit (loss) carried forward14€-652k€-719k▼
Amounts payable17/49€2.29M€2.13M▼
Amounts payable after more than one year17€815k€681k▼
Financial debts170/4€815k€681k▼
Amounts payable within one year42/48€1.37M€1.36M▼
Current portion of amounts payable after more than one year42€155k€146k▼
Trade debts44€6k€5k▼
Suppliers440/4€6k€5k▼
Taxes, remuneration and social security45€13k€12k▼
Taxes450/3€13k€12k▼
Other amounts payable47/48€1.20M€1.20M=
Accrued charges and deferred income492/3€97k€86k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€233k€215k▼
Other operating charges640/8€18k€19k▲
Non-recurring operating charges66A-€892
Gross operating margin9900€278k€264k▼
Operating profit (loss)9901€26k€29k▲
Financial income75/76B€569€1k▲
Recurring financial income75€569€1k▲
Financial charges65/66B€111k€98k▼
Recurring financial charges65€111k€98k▼
Profit (loss) for the period before taxes9903€-84k€-67k▲
Income taxes67/77€185€304▲
Profit (loss) for the period9904€-84k€-67k▲
Profit (loss) for the period to be appropriated9905€-84k€-67k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-652k€-719k▼
Profit (loss) brought forward from the previous period14P€-568k€-652k▼
The notes to these accounts (11 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €103k ▲97.5%
Operating result €173k, net result €103k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Back to profitnet €52k
Net result €52k after 3 loss-making years.
04-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 96 days late
2020
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
2019
31-12
Financial
Weakest financial yearnet €-426k
Net result drops to €-426k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 27 days late
2018
10-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 41 days late
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Mouscron · 1 establishment unit since 2009
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.
Kruisherenstraat(H) 197712 MouscronGround area
1,310 m²
Building footprint
172 m²
Volume, LiDAR
886 m³
Parcel 54004H0531/00A000, Wallonia · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BAAMBA IMMO
since 20092.179.885.750
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54004H0531/00A000indicative | Wallonia | 1,310 m² | 1 · 172 m² | 6.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 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
CMC HOLDING
BE 0789.426.778
Asse · Eq €1,593,105
VANDENBUSSCHE INVEST
BE 0439.650.619
Roeselare · Eq €1,592,979
CLEAR CONCEPT
BE 0832.706.495
Lochristi · Eq €1,593,147
ETS RAMAUT
BE 0452.853.408
Quaregnon · Eq €1,592,023
NEXT ARCH
BE 0778.539.222
Antwerpen · Eq €1,594,249
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 11,578 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
Founded27-04-2009
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
66300Activities auxiliary to financial services and insurance activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.