BENDER
ActiveSummary
BENDER has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €42k and a net result of €39k. Its solvency ranks better than 64% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency85
Growth-
Track record67
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.57; short-term debt: 37.7% and cash: 13.5% of total assets), and 40.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
59.5%
Return on assets
55.3%
Age of the figures
9 mo
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 06-07-2026, 25 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
25 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€42k
Total assets
€71k
Net result
€39k
Working capital
€42k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €71k
Fixed assets
€2k
Current assets
€69k
Equity and liabilities €71k
Equity
€42k
Debt
€29k
Debt finances 40.5% of the balance-sheet total.
Key figures and ratios
EBITDA
€59k
Cash flow
€40k
Current ratio
2.57
Debt to equity
0.68
ROE
92.9%
ROA
55.3%
Interest coverage
646.91
Debt ≤ 1 year
€27k
Income taxes
€18k
Filed annual accounts As filed with the NBB · 2025 · 37 lines
Balance sheet
Code2025
Assets
Total assets20/58€71k
Fixed assets21/28€2k
Tangible fixed assets22/27€2k
Plant, machinery and equipment23€2k
Current assets29/58€69k
Amounts receivable within one year40/41€59k
Trade receivables40€59k
Other amounts receivable41€99
Cash at bank and in hand54/58€10k
Deferred charges and accrued income490/1€644
Equity and liabilities
Total equity and liabilities10/49€71k
Equity10/15€42k
Contributions10/11€3k
Reserves13€39k
Distributable reserves133€39k
Amounts payable17/49€29k
Amounts payable within one year42/48€27k
Trade debts44€5k
Suppliers440/4€5k
Taxes, remuneration and social security45€20k
Taxes450/3€19k
Remuneration and social security454/9€2k
Other amounts payable47/48€1k
Accrued charges and deferred income492/3€2k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€835
Other operating charges640/8€953
Gross operating margin9900€60k
Operating profit (loss)9901€58k
Financial charges65/66B€91
Recurring financial charges65€91
Profit (loss) for the period before taxes9903€58k
Income taxes67/77€18k
Profit (loss) for the period9904€39k
Profit (loss) for the period to be appropriated9905€39k
Appropriation of the result
Profit (loss) to be appropriated9906€39k
Transfer to equity691/2€39k
To other reserves6921€39k
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Destelbergen · 1 establishment unit since 2024
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.
Steenstraat(HEU) 99070 DestelbergenGround area
124 m²
Building footprint
65 m²
Parcel 44028C0083/00W003, Flanders. Linked by address, not a title deed.
1 establishment unit
BENDER
since 20242.367.342.012
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44028C0083/00W003 | Flanders | 124 m² | 1 · 65 m² | - |
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.
Similar companies · same sector, comparable size
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GROUPE SET
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DA Concept
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BaTriMo Projects - Wellness on Tour
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Of 7,293 companies in sector 43350 we hold annual accounts for 2,363. 1,974 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
Founded13-12-2024
Fiscal year end31-12
Activities, NACEBEL 2025
43350Other building finishing work
16230Manufacture of other builders' carpentry and joinery
43310Plastering work
43320Joinery installation
43341Painting of buildings
90392Design and construction of stages and sets
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.