T. BEN
ActiveSummary
T. BEN has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €171,290 and a net result of -€47,422. Equity is shrinking by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 86% of 28254 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-26
Solvency100=
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10,000 at 30 days acceptable
Liquidity ample (current ratio 3.0 against 3.63 in 2024; short-term debt: 10% and cash: 4.3% of total assets), and 18.3% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% 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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€47,422
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
13 d early
2023
63 d late
2022
29 d late
2021
80 d late
2020
31 d late
2019
89 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 39 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% 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 29 August (4 of the last 5 filed years within 42 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#5 oldest company in Leuze-en-Hainaut, Construction sector
Equity
€171,290▼ 21.7%
2024 · €218,713
Total assets
€209,578▼ 27.1%
2024 · €287,590
Net result
-€47,422▼ 517%
2024 · -€7,687
Working capital
€42,057▼ 56.5%
2024 · €96,660
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, 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€22,443▼ 46.5%-€14,157-€12,837▲ 9.3%-€5,533▲ 56.9%-€46,325▼ 737%
Net result€12,160within the sector's middle half▼ 61.2%-€18,638below the sector's middle half-€16,443below the sector's middle half▲ 11.8%-€7,687below the sector's middle half▲ 53.3%-€47,422below the sector's middle half▼ 517%
Equity€261,480above the sector's middle half▲ 4.9%€242,842above the sector's middle half▼ 7.1%€226,399above the sector's middle half▼ 6.8%€218,713above the sector's middle half▼ 3.4%€171,290above the sector's middle half▼ 21.7%
Total assets€480,984above the sector's middle half▲ 10.1%€368,160above the sector's middle half▼ 23.5%€327,836above the sector's middle half▼ 11.0%€287,590within the sector's middle half▼ 12.3%€209,578within the sector's middle half▼ 27.1%
Debt€219,504▲ 17.1%€125,318▼ 42.9%€101,437▼ 19.1%€68,878▼ 32.1%€38,288▼ 44.4%
Working capital€121,953above the sector's middle half▲ 4.1%€130,805above the sector's middle half▲ 7.3%€109,506above the sector's middle half▼ 16.3%€96,660above the sector's middle half▼ 11.7%€42,057within the sector's middle half▼ 56.5%
Solvency54.4%within the sector's middle half▼ 2.7pp66.0%above the sector's middle half▲ 11.6pp69.1%above the sector's middle half▲ 3.1pp76.1%above the sector's middle half▲ 7.0pp81.7%above the sector's middle half▲ 5.7pp
Current ratio1.88within the sector's middle half▼ 0.693.06within the sector's middle half▲ 1.193.01within the sector's middle half▼ 0.053.63above the sector's middle half▲ 0.623.00within the sector's middle half▼ 0.63
Return on assets (ROA)2.5%within the sector's middle half▼ 4.6pp-5.1%below the sector's middle half▼ 7.6pp-5.0%below the sector's middle half=-2.7%below the sector's middle half▲ 2.3pp-22.6%below the sector's middle half▼ 20.0pp
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, 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 stays negative: a loss of €46,325 in 2025 against €5,533 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €209,578
Fixed assets
€146,535 ▼ 5.0%
Current assets
€63,043 ▼ 52.7%
Equity and liabilities €209,578
Equity
€171,290 ▼ 21.7%
Debt
€38,288 ▼ 44.4%
Debt's share of the balance-sheet total falls from 23.9% to 18.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€36,637▼
2024 · €4,101
Cash flow
-€37,735▼
2024 · €1,947
Quick ratio
1.25▼
2024 · 2.32
Debt to equity
0.22▼
2024 · 0.31
ROE
-27.7%▼
2024 · -3.5%
Interest coverage
-31.54▼
2024 · 1.28
Debt ≤ 1 year
€20,985▼
2024 · €36,724
Debt > 1 year
€16,931▼
2024 · €32,153
Income taxes
€908
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10,547 | €9,722 | €10,022 | €9,634 | €9,687 | ▲ 0.6% |
| Other operating charges640/8 | €638 | €1,013 | €818 | €5,888 | €5,255 | ▼ 10.8% |
| Gross operating margin9900 | €33,627 | -€3,422 | -€1,997 | €9,989 | -€31,383 | ▼ 414% |
| Operating profit (loss)9901 | €22,443 | -€14,157 | -€12,837 | -€5,533 | -€46,325 | ▼ 737% |
| Financial income75/76B | €17 | - | €161 | €1,062 | €972 | ▼ 8.5% |
| Recurring financial income75 | €17 | - | €161 | €1,062 | €972 | ▼ 8.5% |
| Financial charges65/66B | €5,457 | €4,482 | €2,092 | €3,215 | €1,162 | ▼ 63.9% |
| Recurring financial charges65 | €5,457 | €4,482 | €2,092 | €3,215 | €1,162 | ▼ 63.9% |
| Profit (loss) for the period before taxes9903 | €17,002 | -€18,638 | -€14,768 | -€7,687 | -€46,515 | ▼ 505% |
| Income taxes67/77 | €4,842 | - | €1,675 | - | €908 | - |
| Profit (loss) for the period9904 | €12,160 | -€18,638 | -€16,443 | -€7,687 | -€47,422 | ▼ 517% |
| Profit (loss) for the period to be appropriated9905 | €12,160 | -€18,638 | -€16,443 | -€7,687 | -€47,422 | ▼ 517% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €480,984 | €368,160 | €327,836 | €287,590 | €209,578 | ▼ 27.1% |
| Fixed assets21/28 | €219,684 | €173,862 | €163,841 | €154,206 | €146,535 | ▼ 5.0% |
| Tangible fixed assets22/27 | €86,485 | €40,663 | €30,642 | €21,007 | €13,336 | ▼ 36.5% |
| Land and buildings22 | €49,296 | €39,732 | €30,168 | €20,604 | €13,003 | ▼ 36.9% |
| Plant, machinery and equipment23 | €185 | €544 | €474 | €403 | €333 | ▼ 17.4% |
| Furniture and vehicles24 | €904 | €388 | - | - | - | - |
| Other tangible fixed assets26 | €36,100 | - | - | - | - | - |
| Financial fixed assets28 | €133,199 | €133,199 | €133,199 | €133,199 | €133,199 | = |
| Current assets29/58 | €261,300 | €194,298 | €163,996 | €133,384 | €63,043 | ▼ 52.7% |
| Stocks and contracts in progress3 | €44,000 | €54,000 | €54,000 | €48,000 | €36,750 | ▼ 23.4% |
| Stocks30/36 | €44,000 | €54,000 | €54,000 | €48,000 | €36,750 | ▼ 23.4% |
| Amounts receivable within one year40/41 | €151,074 | €75,160 | €72,797 | €56,131 | €15,379 | ▼ 72.6% |
| Trade receivables40 | €104,500 | €56,497 | €57,531 | €48,964 | €1,970 | ▼ 96.0% |
| Other amounts receivable41 | €46,574 | €18,663 | €15,266 | €7,167 | €13,409 | ▲ 87.1% |
| Cash at bank and in hand54/58 | €59,591 | €57,998 | €29,857 | €28,548 | €9,115 | ▼ 68.1% |
| Deferred charges and accrued income490/1 | €6,635 | €7,140 | €7,342 | €705 | €1,799 | ▲ 155% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €480,984 | €368,160 | €327,836 | €287,590 | €209,578 | ▼ 27.1% |
| Equity10/15 | €261,480 | €242,842 | €226,399 | €218,713 | €171,290 | ▼ 21.7% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €29,638 | €29,638 | €29,638 | €29,638 | €29,638 | = |
| Non-distributable reserves130/1 | €17,479 | €17,479 | €17,479 | €17,479 | €17,479 | = |
| Reserves not available under the articles1311 | €17,479 | €17,479 | - | €1,860 | €1,860 | = |
| Other1319 | - | - | €17,479 | €15,619 | €15,619 | = |
| Distributable reserves133 | €12,160 | €12,160 | €12,160 | €12,160 | €12,160 | = |
| Profit (loss) carried forward14 | €213,242 | €194,604 | €178,161 | €170,474 | €123,052 | ▼ 27.8% |
| Amounts payable17/49 | €219,504 | €125,318 | €101,437 | €68,878 | €38,288 | ▼ 44.4% |
| Amounts payable after more than one year17 | €80,156 | €61,825 | €46,948 | €32,153 | €16,931 | ▼ 47.3% |
| Financial debts170/4 | €80,156 | €61,825 | €46,948 | €32,153 | €16,931 | ▼ 47.3% |
| Amounts payable within one year42/48 | €139,348 | €63,492 | €54,489 | €36,724 | €20,985 | ▼ 42.9% |
| Current portion of amounts payable after more than one year42 | €31,210 | €18,331 | €14,877 | €14,794 | €15,174 | ▲ 2.6% |
| Trade debts44 | €91,129 | €36,335 | €37,197 | €11,194 | €2,043 | ▼ 81.8% |
| Suppliers440/4 | €91,129 | €36,335 | €37,197 | €11,194 | €2,043 | ▼ 81.8% |
| Advances received on contracts in progress46 | - | €3,000 | - | - | - | - |
| Taxes, remuneration and social security45 | €14,263 | €3,171 | €0 | - | €922 | - |
| Taxes450/3 | €12,763 | €3,171 | €0 | - | €922 | - |
| Remuneration and social security454/9 | €1,500 | - | - | - | - | - |
| Other amounts payable47/48 | €2,746 | €2,655 | €2,415 | €10,736 | €2,846 | ▼ 73.5% |
| Accrued charges and deferred income492/3 | - | - | - | - | €371 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €12,160 | -€18,638 | -€16,443 | -€7,687 | -€47,422 | ▼ 517% |
| + Depreciation and write-downs630 | €10,547 | €9,722 | €10,022 | €9,634 | €9,687 | ▲ 0.6% |
| Operating cash flow (approximation) | €22,707 | -€8,916 | -€6,421 | €1,947 | -€37,735 | ▼ 2,038% |
| Investment in fixed assets (approximation) | - | €36,100 | €0 | €0 | -€2,016 | - |
| Change in cash | - | -€1,594 | -€28,141 | -€1,309 | -€19,433 | ▼ 1,384% |
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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet -€47,422
Net result drops to -€47,422, the lowest in the series.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 63 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
19-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 80 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €31,323 ▲515%
Operating result €41,959, net result €31,323, both a record.
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 89 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 18 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, Leuze-en-Hainaut · 1 establishment unit since 1993
Ground area
307 m²
Building footprint
91 m²
Volume, LiDAR
610 m³
Parcel 57065B0618/00X000, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
T.BEN
since 19932.062.446.365
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57065B0618/00X000 | Wallonia | 307 m² | 1 · 91 m² | 7.7 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 9,537 companies in sector 43222 we hold annual accounts for 5,668. 4,885 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
Founded10-05-1993
Fiscal year end31-12
Activities, NACEBEL 2025
43222Installation of electric heating, air conditioning, cooling and ventilation
43221Plumbing work
E-invoicing
Reachable via Peppol
Peppol ID
0208:0450082077
Also
9925:BE0450082077
Registered
17-10-2024
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.