BENOIT STAPPAERTS
ActiveBENOIT STAPPAERTS 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 €76k and a net result of €-2k. Equity is growing by ~19.3% per year across the filed fiscal years. Its solvency ranks better than 86% of 2410 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. 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 30-08-2026, 30 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
30 d late
2024
22 d early
2023
34 d early
2022
31 d late
2021
191 d late
2020
60 d late
2018
65 d late
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€76k▼ 2.2%
2024 · €78k
2018: €-12k
2020: €37k
2021: €45k
2022: €56k
2023: €68k
2024: €78k
2018 → 2025
Net result
€-2k
2024 · €10k
2018: €10k
2020: €26k
2021: €9k
2022: €11k
2023: €12k
2024: €10k
2018 → 2025
Total assets
€86k▼ 4.3%
2024 · €90k
2018: €8k
2020: €40k
2021: €52k
2022: €65k
2023: €80k
2024: €90k
2018 → 2025
Solvency
88.3%▲ 1.9pp
2024 · 86.4%
2018: -146.4%
2020: 91.0%
2021: 87.2%
2022: 86.7%
2023: 85.7%
2024: 86.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€45k-€56k▲ 24.6%€68k▲ 21.1%€78k▲ 14.4%€76k▼ 2.2%
Operating result€9k-€12k▲ 28.6%€14k▲ 17.4%€10k▼ 28.2%€-5k
Net result€9k-€11k▲ 28.7%€12k▲ 7.0%€10k▼ 17.3%€-2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €5k after €10k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €86k
Fixed assets
€70=
Current assets
€86k▼ 4.3%
Equity and liabilities €86k
Equity
€76k▼ 2.2%
Debt
€10k▼ 17.6%
The debt ratio falls from 13.6% to 11.7%: debt falls faster than equity shrinks.
Key figures and ratios
Solvency
88.3%▲
2024 · 86.4%
ROE
-2.3%▼
2024 · 12.6%
ROA
-2.0%▼
2024 · 10.9%
Debt
€10k▼
2024 · €12k
Debt ≤ 1 year
€8k▼
2024 · €12k
Income taxes
€433▼
2024 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€90k€86k▼
Fixed assets21/28€70€70=
Financial fixed assets28€70€70=
Current assets29/58€90k€86k▼
Amounts receivable within one year40/41€84k€78k▼
Trade receivables40-€113
Other amounts receivable41€84k€78k▼
Cash at bank and in hand54/58-€3k
Deferred charges and accrued income490/1€6k€6k▼
Equity and liabilities
Total equity and liabilities10/49€90k€86k▼
Equity10/15€78k€76k▼
Contributions10/11€20k€20k=
Reserves13€58k€58k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€56k€56k=
Profit (loss) carried forward14-€-2k
Amounts payable17/49€12k€10k▼
Amounts payable within one year42/48€12k€8k▼
Financial debts43€836-
Credit institutions430/8€836-
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45€10k€5k▼
Taxes450/3€10k€5k▼
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€99-
Other operating charges640/8€931€5k▲
Gross operating margin9900€11k€-97▼
Operating profit (loss)9901€10k€-5k▼
Financial income75/76B€5k€4k▼
Recurring financial income75€5k€4k▼
Financial charges65/66B€194€762▲
Recurring financial charges65€194€762▲
Profit (loss) for the period before taxes9903€15k€-1k▼
Income taxes67/77€5k€433▼
Profit (loss) for the period9904€10k€-2k▼
Profit (loss) for the period to be appropriated9905€10k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€10k€-2k▼
Transfer to equity691/2€10k-
To other reserves6921€10k-
The notes to these accounts (7 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Weakest financial yearnet €-2k ▼118%
Net result drops to €-2k, the lowest in the series.
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
07-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 191 days late
2021
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
31-12
Financial
Highest result since 2018net €26k ▲155%
Operating result €24k, net result €26k, both a record.
31-12
Financial
Liquidity times 42current ratio 25.11
Current ratio from 0.60 to 25.11; short-term debt falls from €13k to €2k.
2019
04-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 65 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
22-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 53 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 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, Hastière · 1 establishment unit since 2010
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.
Rue du Charreau, Waulsort 105540 HastièreGround area
223 m²
Building footprint
105 m²
Volume, LiDAR
837 m³
Parcel 91135D0485/00L000, Wallonia · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BENOIT STAPPAERTS
since 20102.316.685.246
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91135D0485/00L000 | Wallonia | 223 m² | 1 · 105 m² | 10.2 m · 3 fl. |
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.
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Of 4,670 companies in sector 66220 we hold annual accounts for 3,216. 2,560 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-08-2010
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
81300Landscape service activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.