Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 24 % of short-term debt in 2025; threshold 65 %.
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Shrinking team NBB
FTE fell two years in a row, from 5.3 to 3.4.
Financials
Financial year 2025
Bens Zakenkantoor from Geel, company number BE0403839209, closed financial year 2025 with a result of € -150,882 after tax. For that financial year Bens Zakenkantoor recorded a gross margin of € 201,095 and equity of € 2.4 million. Compared with financial year 2024, the result moved from € -83,423 to € -150,882. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on June 25, 2026.
€ 2.4 million
▼ 6% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -150,882
▼ 81 % more loss than in 2024
Profit after tax over the fiscal year.
€ 5,598
▼ 91% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 2 million.
People and assets in 2025
3.4
▼ 1.2 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 198,396
▼ 13% vs 2024
€ 58,400 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 96,914
▼ 20% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 27,338
▼ 72% vs 2024
Loans from banks and other lenders, long and short.
€ 36,461
▲ 174% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 38,050
▲ 22% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 252,621 | € 360,789 | € 286,986 | € 201,095 | ▼ 30% |
| Profit after taxes | € -66,906 | € -54,810 | € -83,423 | € -150,882 | ▼ € 67,459 |
| Equity | € 2,654,020 | € 2,599,210 | € 2,515,786 | € 2,364,904 | ▼ 6% |
| Total debts | € 582,448 | € 411,897 | € 237,094 | € 217,189 | ▼ 8% |
| Cash | € 88,748 | € 314,005 | € 60,149 | € 5,598 | ▼ 91% |
| Land & buildings | € 2,442,171 | € 2,372,947 | € 2,415,620 | € 2,393,581 | ▼ 1% |
| Retained profit | € 2,282,020 | € 2,227,210 | € 2,143,786 | € 1,992,904 | ▼ 7% |
| Bank debt | € 236,863 | € 168,441 | € 97,764 | € 27,338 | ▼ 72% |
| Balance sheet total | € 3,236,468 | € 3,011,107 | € 2,752,880 | € 2,582,093 | ▼ 6% |
| Employees (FTE) | 4.7 | 5.3 | 4.6 | 3.4 | ▼ 1.2 |
Key figures of Bens Zakenkantoor, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to Bens Zakenkantoor?
What happened at Bens Zakenkantoor in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Ilse Bens stepped down as director. NBB
- Josee Swolfs stepped down as director. NBB
- Peter Bens stepped down as director. NBB
- New annual accounts for financial year 2025: loss of € 150,882. Source: NBB ↗
- New establishment in Geel. KBO
- Ilse Bens became a director. NBB
- Josee Swolfs became a director. NBB
- Peter Bens became a director. NBB
In short
From € 66,906 loss in 2022 to € 150,882 loss in 2025.
Paid € 1,389 in corporate taxes since 2022.
On average € 59,100 of value added per employee in 2025.
Management
The stake of IPT comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
Bens ZakenkantoorThe shares are held by IPT (16%).
Directors
According to the 2025 annual accounts
since 2021 · until 2027
since 2021 · until 2027
since 2021 · until 2027
Shareholders
16%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Drossaardshoevedreef 2
2440 Geel
Antwerpseweg 84
2440 Geel
Active since 16 January 1976
Drossaardshoevedreef 1
2440 Geel
Active since 2 February 2023
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 7 companies are registered at this address.
All companies at this address →BECAR same network
€ 438,356 gross margin · 2025
Buga Antwerpen same network
€ 48,484 revenue · 2025
BUGA WIJNEGEM same network
€ 107,067 gross margin · 2025
VAT GROUP AUTO-ANTWERPEN
IPT same network
€ 73,005 gross margin · 2025
+2 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0403.839.209
- VAT number
- BE 0403.839.209
- Registered office
- Drossaardshoevedreef 2, 2440 Geel
- Names & denominations
- Bens Zakenkantoor
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 16 November 1965
- Peppol
- Active · Active since 22 Dec 2025
- Activities · NACE
Fokken en houden van paarden en andere paardachtigen
Activiteiten van verzekeringsagenten en -makelaars
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies
Sport- en recreatieonderwijs
Exploitatie van sportaccommodaties
Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)
Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten
Activiteiten van adviesbureaus op het gebied van public relations en communicatie
+4