Checked.be
Active
BE 0720.497.786Private limited company (pre-2019)
BENZATEX
Brabantstraat 188 ·1030 Schaarbeek, Belgium· 7 yrs active
Sector: Retail sale of clothing and accessories for women, men, children and babies (general range)
(47716)
Conclusion
The computed 12-month bankruptcy probability of BENZATEX is 3.4% (moderate). The 2024 annual accounts show equity of €7k and a net result of €4k. Equity is growing by ~110.5% per year across the filed fiscal years. Its solvency ranks better than 71% of 26065 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 4 annual accounts.
Key figures
| Equity | €7k |
| Net result | €4k |
| Better than sector | 71% |
| Active | 7 yrs |
Financial profile
92
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
83
Profitability
100
Solvency
98
Growth
78
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
More than 3 years active
Founded in 2019, 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
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.
Checked score
83
/ 100
Excellent
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€500
estimate, not credit advice
Score history
0
2021
81
2022
85
2023
83
2024
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 2.36 (≥ 1.5)
+10
Quick ratio
Quick ratio 0.24 (< 0.6)
-5
Leverage
Debt/equity 0.74 (< 1.0)
+10
Profitability
ROE 63% (≥ 10%)
+10
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview
Annual accounts filed on 29-08-2025 with the NBB · fiscal year 2024 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~110.5%/year over 4 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 57.6% | 32.3% | |
| Net result | €4k | €4k | |
| Equity | €7k | €39k | |
| Gross operating margin | €4k | €31k | |
| Total assets | €12k | €146k |
€4k
+371.1%
21-24
€12k
+159.4%
21-24
€7k
+173.2%
21-24
€7k
+173.2%
21-24
€5k
+142.7%
21-24
€5k
+142.7%
21-24
2.36
+6.9%
21-24
0.24
-77.7%
21-24
57.6%
+5.3%
21-24
0.74
-11.2%
21-24
63.4%
+72.4%
21-24
36.5%
+81.6%
21-24
Figures by fiscal year and ratios
| Fiscal year | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - |
| EBITDA | - | - | - | - |
| Net profit | €4k | €909 | €4k | €4k |
| Cash flow | - | - | - | - |
| Staff costs | - | - | - | - |
| Income taxes | - | - | - | - |
| Dividends | - | - | - | - |
| Total assets | €12k | €5k | €4k | €6k |
| Equity | €7k | €2k | €2k | €-3k |
| Debt | €5k | €2k | €2k | €9k |
| of which ≤ 1y | €5k | €2k | €2k | €9k |
| of which > 1y | - | - | - | - |
| Working capital | €7k | €2k | €2k | €-3k |
| Employees (FTE) | - | - | - | - |
Ratios (computed)
| 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|
| Current ratio | 2.36 | 2.21 | 1.73 | 0.68 |
| Quick ratio | 0.24 | 1.06 | 0.98 | 0.15 |
| Working capital ratio | 57.6% | 54.7% | 42.2% | -46.6% |
| Solvency | 57.6% | 54.7% | 42.2% | -46.6% |
| Debt / equity | 0.74 | 0.83 | 1.37 | -3.15 |
| Long-term debt ratio | - | - | - | - |
| Interest coverage | - | - | - | - |
| Gross margin | - | - | - | - |
| Net margin | - | - | - | - |
| ROA | 36.5% | 20.1% | 114.8% | 61.6% |
| ROE | 63.4% | 36.8% | 272.0% | -132.2% |
| EBITDA margin | - | - | - | - |
| Days sales outstanding | - | - | - | - |
| Days payable outstanding | - | - | - | - |
| Inventory turnover | - | - | - | - |
| Days inventory (DSI) | - | - | - | - |
Balance-sheet composition 2024
Full annual accounts (18 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Balance sheet, Assets | |||||
| TOTAL ASSETS | 20/58 | €12k | €5k | €4k | €6k |
| Current assets | 29/58 | €12k | €5k | €4k | €6k |
| Stocks & contracts in progress | 3 | €11k | €2k | €2k | €5k |
| Amounts receivable within one year | 40/41 | €364 | - | - | - |
| Cash & bank | 54/58 | €810 | €2k | €2k | €1k |
| Balance sheet, Equity & liabilities | |||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €12k | €5k | €4k | €6k |
| Equity | 10/15 | €7k | €2k | €2k | €-3k |
| Contributions / capital | 10/11 | €6k | €6k | €6k | €6k |
| Accumulated profits (losses) | 14 | €456 | €-4k | €-5k | €-9k |
| Amounts payable | 17/49 | €5k | €2k | €2k | €9k |
| Amounts payable within one year | 42/48 | €5k | €2k | €2k | €9k |
| Trade debts payable within one year | 44 | €400 | €508 | €74 | €67 |
| Income statement | |||||
| Gross operating margin | 9900 | €4k | €1k | €4k | €4k |
| Operating result | 9901 | €4k | €1k | €4k | €4k |
| Financial charges | 65 | €195 | €214 | €206 | €151 |
| Result before taxes | 9903 | €4k | €909 | €4k | €4k |
| Net result for the period | 9904 | €4k | €909 | €4k | €4k |
| Result to be appropriated | 9905 | €4k | €909 | €4k | €4k |
Legal Structure
| NACE primary | Retail sale of clothing and accessories for women, men, children and babies (general range)(47716) |
| Legal form | Private limited company (pre-2019)(015) |
| Incorporation | 08-02-2019 |
| Status | Active |
| Postal code | 1030 |
Establishment units
BENZATEX
since 20192.285.578.732
Real-estate footprint
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21908E0023/00X012 | Brussels | 139 m² | 1 · 97 m² | 17.3 m · 5 fl. |
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.
Updates
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2021net €4k ▲371%
Operating result €4k, net result €4k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €909 ▼78.6%
Net result drops to €909, the lowest in the series; recovery starts the following year.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 1.73
Current ratio from 0.68 to 1.73; short-term debt falls from €9k to €2k.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
26-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 118 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Retail sale of clothing and accessories for women, men, children and babies (general range)47716Agents in the wholesale of textiles, clothing, fur, footwear and leather goods46160Retail sale of household textiles and bedding47512
Names & trade names
| Legal nameFR | BENZATEX |
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