VAL BENOIT
ActiveSummary
VAL BENOIT has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €210k and a net result of €67k. Equity is growing by ~52.4% per year across the filed fiscal years. Its solvency ranks better than 22% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability76▲+1
Solvency44▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity tight (current ratio 1.17 against 1.07 in 2024; short-term debt: 18.9% and cash: 1% of total assets), and 81.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
18.5%
Return on assets
5.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 31791 sector peers (2025).
NBB · sector comparisonPosition among 31791 sector peers
Solvency
better than 22%
← weakest
strongest →
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 · 6 filingsDeviation from the deadline
2025
31 d late
2024
34 d early
2023
6 d late
2022
21 d late
2021
30 d late
2020
31 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€210k▲ 47.2%
2024 · €143k
2020: €-137klowest in 6 years
2021: €17k▲ +113% vs 2020
2022: €47k▲ +173% vs 2021
2023: €85k▲ +81.2% vs 2022
2024: €143k▲ +68.6% vs 2023
2025: €210k▲ +47.2% vs 2024highest in 6 years
2020 → 2025
Total assets
€1.14M▲ 1.2%
2024 · €1.12M
2020: €1.07M
2021: €1.16M▲ +8.7% vs 2020highest in 6 years
2022: €995k▼ -14.5% vs 2021lowest in 6 years
2023: €1.01M▲ +1.6% vs 2022
2024: €1.12M▲ +11.0% vs 2023
2025: €1.14M▲ +1.2% vs 2024
2020 → 2025
Net result
€67k▲ 16.0%
2024 · €58k
2020: €-142klowest in 6 years
2021: €154k▲ +209% vs 2020highest in 6 years
2022: €30k▼ -80.8% vs 2021
2023: €38k▲ +28.2% vs 2022
2024: €58k▲ +53.0% vs 2023
2025: €67k▲ +16.0% vs 2024
2020 → 2025
Working capital
€35k▲ 179%
2024 · €13k
2020: €-226klowest in 6 years
2021: €-102k▲ +54.7% vs 2020
2022: €-104k▼ -2.1% vs 2021
2023: €-147k▼ -40.9% vs 2022
2024: €13k▲ +109% vs 2023
2025: €35k▲ +179% vs 2024highest in 6 years
2020 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€17k-€47k▲ 173%€85k▲ 81.2%€143k▲ 68.6%€210k▲ 47.2%
2021: €17klowest in 5 years
2022: €47k▲ +173% vs 2021
2023: €85k▲ +81.2% vs 2022
2024: €143k▲ +68.6% vs 2023
2025: €210k▲ +47.2% vs 2024highest in 5 years
Operating result€171k-€53k▼ 68.9%€63k▲ 18.0%€92k▲ 46.7%€107k▲ 15.8%
2021: €171khighest in 5 years
2022: €53k▼ -68.9% vs 2021lowest in 5 years
2023: €63k▲ +18.0% vs 2022
2024: €92k▲ +46.7% vs 2023
2025: €107k▲ +15.8% vs 2024
Net result€154k-€30k▼ 80.8%€38k▲ 28.2%€58k▲ 53.0%€67k▲ 16.0%
2021: €154khighest in 5 years
2022: €30k▼ -80.8% vs 2021lowest in 5 years
2023: €38k▲ +28.2% vs 2022
2024: €58k▲ +53.0% vs 2023
2025: €67k▲ +16.0% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 16% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.14M
Fixed assets
€885k ▼ 5.5%
Current assets
€250k ▲ 34.8%
Equity and liabilities €1.14M
Equity
€210k ▲ 47.2%
Debt
€925k ▼ 5.6%
Debt's share of the balance-sheet total falls from 87.3% to 81.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€158k▲
2024 · €143k
Cash flow
€119k▲
2024 · €109k
Current ratio
1.17▲
2024 · 1.07
Debt to equity
4.40▼
2024 · 6.86
ROE
32.1%▼
2024 · 40.7%
ROA
5.9%▲
2024 · 5.2%
Interest coverage
7.74▼
2024 · 8.04
Debt ≤ 1 year
€214k▲
2024 · €173k
Debt > 1 year
€711k▼
2024 · €807k
Income taxes
€19k▲
2024 · €16k
Staff costs
€170▲
2024 · €163
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.12M€1.14M▲
Fixed assets21/28€937k€885k▼
Tangible fixed assets22/27€937k€885k▼
Land and buildings22€910k€866k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€25k€18k▼
Current assets29/58€185k€250k▲
Amounts receivable within one year40/41€159k€233k▲
Trade receivables40€2k€74k▲
Other amounts receivable41€158k€159k▲
Cash at bank and in hand54/58€23k€11k▼
Deferred charges and accrued income490/1€3k€5k▲
Equity and liabilities
Total equity and liabilities10/49€1.12M€1.14M▲
Equity10/15€143k€210k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€138k€205k▲
Amounts payable17/49€979k€925k▼
Amounts payable after more than one year17€807k€711k▼
Financial debts170/4€807k€711k▼
Amounts payable within one year42/48€173k€214k▲
Current portion of amounts payable after more than one year42€94k€96k▲
Trade debts44€15€918▲
Suppliers440/4€15€918▲
Taxes, remuneration and social security45€18k€56k▲
Taxes450/3€16k€34k▲
Remuneration and social security454/9€2k€22k▲
Other amounts payable47/48€60k€62k▲
Income statement
Code20242025
Non-recurring operating income76A€75k-
Remuneration, social security and pensions62€163€170▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€51k€51k▲
Other operating charges640/8€7k€6k▼
Gross operating margin9900€151k€165k▲
Operating profit (loss)9901€92k€107k▲
Financial income75/76B€26€94▲
Recurring financial income75€26€94▲
Financial charges65/66B€18k€20k▲
Recurring financial charges65€18k€20k▲
Profit (loss) for the period before taxes9903€74k€86k▲
Income taxes67/77€16k€19k▲
Profit (loss) for the period9904€58k€67k▲
Profit (loss) for the period to be appropriated9905€58k€67k▲
Appropriation of the result
Profit (loss) to be appropriated9906€138k€205k▲
Profit (loss) brought forward from the previous period14P€80k€138k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €75k | - | - |
| Remuneration, social security and pensions62 | €16k | €46k | €51k | €163 | €170 | ▲ 4.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €42k | €42k | €48k | €51k | €51k | ▲ 0.4% |
| Other operating charges640/8 | €2k | €5k | €10k | €7k | €6k | ▼ 12.0% |
| Gross operating margin9900 | €231k | €147k | €172k | €151k | €165k | ▲ 9.2% |
| Operating profit (loss)9901 | €171k | €53k | €63k | €92k | €107k | ▲ 15.8% |
| Financial income75/76B | - | - | - | €26 | €94 | ▲ 260% |
| Recurring financial income75 | - | - | - | €26 | €94 | ▲ 260% |
| Financial charges65/66B | €14k | €16k | €14k | €18k | €20k | ▲ 14.6% |
| Recurring financial charges65 | €14k | €16k | €14k | €18k | €20k | ▲ 14.6% |
| Profit (loss) for the period before taxes9903 | €157k | €37k | €49k | €74k | €86k | ▲ 16.2% |
| Income taxes67/77 | €3k | €7k | €11k | €16k | €19k | ▲ 17.0% |
| Profit (loss) for the period9904 | €154k | €30k | €38k | €58k | €67k | ▲ 16.0% |
| Profit (loss) for the period to be appropriated9905 | €154k | €30k | €38k | €58k | €67k | ▲ 16.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.16M | €995k | €1.01M | €1.12M | €1.14M | ▲ 1.2% |
| Fixed assets21/28 | €1.02M | €980k | €986k | €937k | €885k | ▼ 5.5% |
| Tangible fixed assets22/27 | €1.02M | €980k | €986k | €937k | €885k | ▼ 5.5% |
| Land and buildings22 | €1.02M | €980k | €953k | €910k | €866k | ▼ 4.8% |
| Plant, machinery and equipment23 | - | - | - | €2k | €2k | ▼ 22.3% |
| Furniture and vehicles24 | - | - | €33k | €25k | €18k | ▼ 29.7% |
| Current assets29/58 | €142k | €16k | €25k | €185k | €250k | ▲ 34.8% |
| Amounts receivable within one year40/41 | €132k | €4k | €4k | €159k | €233k | ▲ 46.3% |
| Trade receivables40 | €132k | €4k | €4k | €2k | €74k | ▲ 4,652% |
| Other amounts receivable41 | €150 | €150 | €150 | €158k | €159k | ▲ 0.6% |
| Cash at bank and in hand54/58 | €10k | €11k | €20k | €23k | €11k | ▼ 49.6% |
| Deferred charges and accrued income490/1 | - | €282 | €1k | €3k | €5k | ▲ 52.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.16M | €995k | €1.01M | €1.12M | €1.14M | ▲ 1.2% |
| Equity10/15 | €17k | €47k | €85k | €143k | €210k | ▲ 47.2% |
| Contributions10/11 | €5k | €5k | €5k | €5k | €5k | = |
| Profit (loss) carried forward14 | €12k | €42k | €80k | €138k | €205k | ▲ 48.9% |
| Amounts payable17/49 | €1.15M | €949k | €926k | €979k | €925k | ▼ 5.6% |
| Amounts payable after more than one year17 | €902k | €828k | €754k | €807k | €711k | ▼ 11.9% |
| Financial debts170/4 | €902k | €828k | €754k | €807k | €711k | ▼ 11.9% |
| Amounts payable within one year42/48 | €244k | €120k | €172k | €173k | €214k | ▲ 24.1% |
| Current portion of amounts payable after more than one year42 | €73k | €74k | €75k | €94k | €96k | ▲ 2.0% |
| Trade debts44 | €4k | €2k | €9k | €15 | €918 | ▲ 6,234% |
| Suppliers440/4 | €4k | €2k | €9k | €15 | €918 | ▲ 6,234% |
| Taxes, remuneration and social security45 | €13k | €28k | €38k | €18k | €56k | ▲ 207% |
| Taxes450/3 | €8k | €16k | €31k | €16k | €34k | ▲ 105% |
| Remuneration and social security454/9 | €5k | €12k | €7k | €2k | €22k | ▲ 1,136% |
| Other amounts payable47/48 | €155k | €17k | €51k | €60k | €62k | ▲ 2.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €154k | €30k | €38k | €58k | €67k | ▲ 16.0% |
| + Depreciation and write-downs630 | €42k | €42k | €48k | €51k | €51k | ▲ 0.4% |
| Operating cash flow (approximation) | €196k | €71k | €86k | €109k | €119k | ▲ 8.7% |
| Investment in fixed assets (approximation) | - | €0 | €-54k | €-2k | €0 | ▲ 100% |
| Change in cash | - | €1k | €8k | €3k | €-11k | ▼ 495% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Equity above €200kEq €210k ▲47.2%
5 profitable years in a row build equity to €210k.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 7current ratio 1.07
Current ratio from 0.15 to 1.07.
31-12
Financial
Equity above €100kEq €143k ▲68.6%
4 profitable years in a row build equity to €143k.
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 6 days late
2023
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Back to profitnet €154k
Net result €154k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 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, Chaumont-Gistoux · 1 establishment unit since 2019
Ground area
2,077 m²
Building footprint
354 m²
Volume, LiDAR
1,898 m³
2 parcels, Wallonia · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
VAL BENOIT
since 20192.324.462.468
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25018C0358/00F000 | Wallonia | 1,410 m² | 1 · 252 m² | 10.7 m · 3 fl. |
| 25018A0304/00N000 | Wallonia | 667 m² | 1 · 102 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 39,666 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
Founded05-12-2019
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
68201Renting and operating of own or leased residential real estate, excluding social housing
Contact
E-mail
srlvalbenoit@gmail.com
Scores and ratios are computed by Checked and are not a credit decision.