A.R.S.
ActiveThe computed 12-month bankruptcy probability of A.R.S. is 1.6% (moderate). The 2025 annual accounts show equity of €9k and a net result of €6k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 44% of 18039 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▼-8
Solvency52▲+19
Growth78=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.46 against 0.53 in 2024; short-term debt: 73.3% and cash: 19.8% of total assets), and 73.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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 · 6 filingsDeviation from the deadline
2025
25 d early
2024
5 d late
2023
33 d early
2022
16 d late
2021
31 d late
2020
209 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
€9k▲ 233%
2024 · €3k
2020: €-6k
2021: €327
2022: €438
2023: €-7k
2024: €3k
2020 → 2025
Total assets
€34k▲ 1.1%
2024 · €34k
2020: €62k
2021: €79k
2022: €36k
2023: €34k
2024: €34k
2020 → 2025
Net result
€6k▼ 32.6%
2024 · €9k
2020: €-6k
2021: €-2k
2022: €111
2023: €-7k
2024: €9k
2020 → 2025
Working capital
€-13k▲ 8.5%
2024 · €-15k
2020: €-6k
2021: €-19k
2022: €-20k
2023: €-24k
2024: €-15k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€327-€438▲ 34.0%€-7k€3k€9k▲ 233%
Operating result€-2k-€115€-6k€10k€8k▼ 12.6%
Net result€-2k-€111€-7k€9k€6k▼ 32.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 13% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €34k
Fixed assets
€23k▲ 29.4%
Current assets
€12k▼ 29.2%
Equity and liabilities €34k
Equity
€9k▲ 233%
Debt
€25k▼ 19.4%
The debt ratio falls from 91.9% to 73.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€9k▼
2024 · €10k
Cash flow
€7k▼
2024 · €10k
Solvency
26.7%▲
2024 · 8.1%
Current ratio
0.46▼
2024 · 0.53
Quick ratio
0.46▼
2024 · 0.53
Debt / equity
2.74▼
2024 · 11.33
ROE
70.0%▼
2024 · 346.1%
ROA
18.7%▼
2024 · 28.1%
Interest coverage
27.71▼
2024 · 40.62
Debt
€25k▼
2024 · €31k
Debt ≤ 1 year
€25k▼
2024 · €31k
Income taxes
€2k
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€34k€34k▲
Fixed assets21/28€17k€23k▲
Intangible fixed assets21€17k€17k=
Tangible fixed assets22/27€125€5k▲
Plant, machinery and equipment23€125€4▼
Furniture and vehicles24-€5k
Current assets29/58€16k€12k▼
Amounts receivable within one year40/41€14k€5k▼
Trade receivables40€14k€5k▼
Cash at bank and in hand54/58€3k€7k▲
Deferred charges and accrued income490/1€11€225▲
Equity and liabilities
Total equity and liabilities10/49€34k€34k▲
Equity10/15€3k€9k▲
Contributions10/11€8k€8k=
Reserves13-€2k
Distributable reserves133-€2k
Profit (loss) carried forward14€-5k-
Amounts payable17/49€31k€25k▼
Amounts payable within one year42/48€31k€25k▼
Trade debts44€12k€2k▼
Suppliers440/4€12k€2k▼
Taxes, remuneration and social security45€4k€5k▲
Taxes450/3€4k€5k▲
Other amounts payable47/48€16k€18k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€122€521▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€11k€11k▼
Operating profit (loss)9901€10k€8k▼
Financial income75/76B€29€0▼
Recurring financial income75€29€0▼
Financial charges65/66B€241€324▲
Recurring financial charges65€241€324▲
Profit (loss) for the period before taxes9903€9k€8k▼
Income taxes67/77-€2k
Profit (loss) for the period9904€9k€6k▼
Profit (loss) for the period to be appropriated9905€9k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€2k▲
Profit (loss) brought forward from the previous period14P€-14k€-5k▲
Transfer to equity691/2-€2k
To other reserves6921-€2k
The notes to these accounts (6 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
05-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 5 days late
2024
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-7k ▼6562%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
2022
31-12
Financial
Back to profitnet €111
Net result €111 after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
25-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 209 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Hamont-Achel · 1 establishment unit since 2019
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.
Hooghaag 433930 Hamont-AchelGround area
554 m²
Building footprint
155 m²
Volume, LiDAR
728 m³
Parcel 72001C0167/00P000, Flanders · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
A.R.S.
since 20192.292.671.610
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72001C0167/00P000 | Flanders | 554 m² | 1 · 155 m² | 6.8 m · 2 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 10,681 companies in sector 47811 we hold annual accounts for 5,225. 2,032 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-08-2019
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.