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Generated 13-08-2026
Active BE 0798.387.796Private limited company

BEH²

Rue du Commerce 36 ·5590 Ciney, Belgium· 3 yrs active
Sector: Agenten en makelaars in bankdiensten (66191)
Conclusion Checked

BEH² is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €21k and a net result of €502k. Its solvency ranks better than 10% of 100 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €21k
Net result €502k
Staff (FTE) 15.5
Better than sector 10%
Snowflake analysis 3 of 5 axes measured · computed by Checked
Health-Profitability100Solvency11Growth-Stability79
63 / 100

This figure rests on 3 of 5 axes. Too few to say where this company is strong or weak.

Computed on 3 of 5 axes. Not measured: health, growth. An unmeasured axis is not a zero: no data was read for it.

Health -
Profitability 100
Solvency 11
Growth -
Stability 79
Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer
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.
Financial overview1 NBB filings
Annual accounts filed on 12-06-2025 with the NBB · fiscal year 2024 · volledig
Sector comparison
Fiscal year 2024 · NACE 66 · compared within the same schema type (full schema)
Metric This company Sector median Position in the sector
Solvency 0.5% 24.3%
better than 10% of 100 sector peers
Net result €502k €120k
better than 87% of 99 sector peers
Equity €21k €148k
better than 24% of 100 sector peers
Gross operating margin €2.87M €346k
better than 95% of 90 sector peers
Staff costs €1.54M €237k
higher than 95% of 68 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositvolledig
Revenuen/a
EBITDAn/a
Net profit€502k
Cash flown/a
Staff costs€1.54M
Income taxes€40k
Dividends-
Total assets€4.18M
Equity€21k
Debt€4.16M
of which ≤ 1y€1.01M
of which > 1y€3.05M
Working capitaln/a
Employees (FTE)15.5
Ratios (computed)
2024
Current ration/a
Quick ration/a
Working capital ration/a
Solvency0.5%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA12.0%
ROE2446.7%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€4.18M
Fixed assets 21/28€3.20M
Intangible fixed assets 21€3.18M
Tangible fixed assets 22/27€13k
Current assets 29/58€984k
Cash & bank 54/58€267k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€4.18M
Equity 10/15€21k
Contributions / capital 10/11€20k
Accumulated profits (losses) 14€508
Amounts payable 17/49€4.16M
Amounts payable after one year 17€3.05M
Amounts payable within one year 42/48€1.01M
Trade debts payable within one year 44€4k
Income statement
Gross operating margin 9900€2.87M
Operating result 9901€759k
Financial income 75€3k
Financial charges 65€220k
Result before taxes 9903€541k
Income taxes 67/77€40k
Net result for the period 9904€502k
Result to be appropriated 9905€502k
Ratios computed by Checked.
Directors & mandates 3 directors
Current directors & mandates
  • GC MANAGEMENTLegal entity
    Director· perm. rep.: GILTAIRE Christophe
    State Gazette act 24387922 (12-04-2024)
    Current
    01-05-2024 → present
  • Ninane E. ManagementLegal entity
    Director· perm. rep.: NINANE Emilie
    State Gazette act 24387922 (12-04-2024)
    Current
    01-05-2024 → present
Former directors (1)
  • RENAUD HAGUINET
    Director
    State Gazette act 24387922 (12-04-2024)
    Former
    - → 29-02-2024
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Agenten en makelaars in bankdiensten(66191)
Legal form Private limited company(610)
Incorporation13-02-2023
StatusActive
Postal code5590
Establishment units 4 locations
ING Ciney
Rue du Commerce 36, 5590 CineyAgenten en makelaars in bankdiensten
since 20232.341.557.036
ING Dinant
Rue Saint-Jacques 350, 5500 DinantAgenten en makelaars in bankdiensten
since 20232.341.557.234
ING Barvaux
Route de Marche 28, 6940 DurbuyAgenten en makelaars in bankdiensten
since 20232.341.559.313
ING Marche
Marche, Place aux Foires 12, 6900 Marche-en-FamenneAgenten en makelaars in bankdiensten
since 20232.341.561.687
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 3 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
91034B0155/00W000 Wallonia 1.5 ha 1 · 1,704 m² 9.8 m · 2 fl.
83004B1539/00Y004 Wallonia 960 m² 1 · 241 m² -
91030A0358/00N005 Wallonia 548 m² 1 · 146 m² -
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 2 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
12-06-2025
NBB filing Annual accounts filed
fiscal year 2024 · volledig
2024
12-04-2024
State Gazette act Director changes
Michel JACQUET
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 2 years ago
2024
12-04-2024 2 directors appointed, 1 resigning Director changes·Michel JACQUET
  • NINANE Emilie, Bestuurder
  • GILTAIRE Christophe, Bestuurder
  • RENAUD HAGUINET, Bestuurder
Notary: Michel JACQUET · Marche-en-Famenne
Technical details 
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Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Agenten en makelaars in bankdiensten66191Agenten en makelaars in bankdiensten66191Overige ondersteunende activiteiten in verband met financiële diensten, exclusief verzekeringen en pensioenfondsen, n.e.g.66199Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen66199Verzekeringsagenten en -makelaars66220Activiteiten van verzekeringsagenten en -makelaars66220Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220
Primary activity highlighted.
Names & trade names
Legal nameFR BEH²
Registered office
Rue du Commerce 36
5590 Ciney, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative