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A&R COMMERCE

Active
Private limited companyfounded 2023active for 3 yearsHazelaarstraat 1, 3930 Hamont-Achel, BelgiumKBO/BCE: BE 0801.632.843
Summary

The computed 12-month bankruptcy probability of A&R COMMERCE is 1.6% (moderate). The 2025 annual accounts show equity of €153,374 and a net result of €14,484. Equity remains stable across the filed financial years (±1.1% per year). Its solvency ranks better than 43% of 12,661 sector peers (NACE 47, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.

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A&R COMMERCEActiveChecked score 63/100
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Overview

Activity
Retail sale of motor vehicle parts and accessories
NACE 47820
1 site
Size
€505,438total assets 2025
Equity
€153,374
Profit
€14,484
Turnover not published (abbreviated or micro format)
Financial health
63 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
1.6%
Structure
2025 accounts 3 days early1 deed in the Belgian Official Gazette
Why 63raises riskFounded in 20231 of the last 3 lateSector: Retail trade (NACE 47)lowers riskSize: total assets €505,438Show the evidence

Checked score

Score 2025
63 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially better than 50% of its sector peers (NACE 47, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Average
Solvency 55+3
equity 30.3% of total assets
Liquidity 52+2
short-term debt 12.4% · cash 2.4%
Profitability 49+21
return on assets 2.9%
Bankruptcy probability, 12 months
1.6% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,222 companies, NACE 47, micro)
Last 24 months 11-2024: 2.6% 12-2024: 2.4%▼ -0.2 percentage points vs 11-2024 01-2025: 2.4%● unchanged vs 12-2024 02-2025: 2.4%● unchanged vs 01-2025 03-2025: 2.4%● unchanged vs 02-2025 04-2025: 2.4%● unchanged vs 03-2025 05-2025: 2.6%▲ +0.2 percentage points vs 04-2025 06-2025: 2.6%● unchanged vs 05-2025 07-2025: 2.6%● unchanged vs 06-2025 08-2025: 3.2%▲ +0.6 percentage points vs 07-2025highest value 09-2025: 1.7%▼ -1.5 percentage points vs 08-2025 10-2025: 1.7%● unchanged vs 09-2025 11-2025: 1.7%● unchanged vs 10-2025 12-2025: 1.7%● unchanged vs 11-2025 01-2026: 1.7%● unchanged vs 12-2025 02-2026: 1.7%● unchanged vs 01-2026 03-2026: 1.7%● unchanged vs 02-2026 04-2026: 1.7%● unchanged vs 03-2026 05-2026: 1.8%▲ +0.1 percentage points vs 04-2026 06-2026: 1.8%● unchanged vs 05-2026 07-2026: 1.8%● unchanged vs 06-2026 08-2026: 1.6%▼ -0.2 percentage points vs 07-2026lowest value 09-2026: 1.6%● unchanged vs 08-2026lowest value 10-2026: 1.6%● unchanged vs 09-2026lowest value
Credit of up to €9,000 on 30-day terms is acceptable
Liquidity insufficient (current ratio 0.29, compared with 0.17 in 2024, below 1; short-term debt: 12.4% and cash: 2.4% of total assets), and 69.7% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro): better than 46% on solvency, 56% on liquidity, 36% on profitability and 61% on growth.

The bankruptcy probability was computed on 23-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
lowers riskraises riskneutral
raises risk · Founded in 2023
Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.
KBO
raises risk · 1 of the last 3 late
NBB · filings
lowers risk · Size: total assets €505,438
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Sector: Retail trade (NACE 47)
KBO
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 28-07-2026, 3 days ahead of the deadline.
NBB · 3 filings
Deviation from the deadline
2025
3 days early
2024
1 day late
2023
96 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 31 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 1 August (3 of the last 3 filed years within 96 days of that day).
Companies Code · seven months
Where today falls in the filing period
24-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2023.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. Back to profitnet €14,484
  3. Equity above €150,000equity €153,374 ▲10.4%

Key points

  • Total assets 20253 financial years filed €505,438 View
  • Active since 2023founded 10-05-2023 3 years View

By topic

Financials

Financial year
2025
Total assets
€505,438
Profit
€14,484
Solvency
30.3%
Total assets▼ 0.8%
Net result
20232025
Go to Financials

Timeline

Events
6
Since
2024
Next accounts
by 31-07-2027
  1. 01-08-2025Annual accounts filed
  2. 31-12-2024Weakest financial year
  3. 04-11-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Retail sale of motor vehicle parts and accessoriesNACE 47820
Founded
10-05-2023
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Key facts about A&R COMMERCE

What is the company number of A&R COMMERCE?
0801.632.843. In Belgium the VAT number is the company number with BE in front: BE 0801.632.843.
Where is A&R COMMERCE based?
The registered office is at Hazelaarstraat 1, 3930 Hamont-Achel.Company details
What does A&R COMMERCE do?
According to the KBO register, the main activity is retail sale of motor vehicle parts and accessories (NACE 47820).
What is the legal form of A&R COMMERCE?
Private limited company (BV).
When was A&R COMMERCE founded?
On 10-05-2023.
Is A&R COMMERCE still active?
Yes, A&R COMMERCE is an active enterprise in the KBO register.
What is the turnover of A&R COMMERCE?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is A&R COMMERCE profitable?
In financial year 2025, A&R COMMERCE made a profit of €14,484.
Where can I find the annual accounts of A&R COMMERCE?
A&R COMMERCE filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of A&R COMMERCE due?
By 31-07-2027, for financial year 2026.Timeline

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