A'RAPETTI'TOITURES
ActiveSummary
The computed 12-month bankruptcy probability of A'RAPETTI'TOITURES is 3.4% (moderate). The 2025 annual accounts show equity of €139k and a net result of €65k. Equity is growing by ~64.9% per year across the filed fiscal years. Its solvency ranks better than 64% of 27786 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+7
Solvency85▲+14
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
3.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 3.11 against 1.99 in 2024; short-term debt: 24.4% and cash: 50.4% of total assets), and 40.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
59.8%
Return on assets
27.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-08-2026, 5 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 · 3 filingsDeviation from the deadline
2025
5 d late
2024
10 d late
2023
20 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€139k▲ 87.1%
2024 · €74k
2023: €43k
2024: €74k
2023 → 2025
Total assets
€232k▲ 42.5%
2024 · €163k
2023: €98k
2024: €163k
2023 → 2025
Net result
€65k▲ 104%
2024 · €32k
2023: €42k
2024: €32k
2023 → 2025
Working capital
€120k▲ 154%
2024 · €47k
2023: €40k
2024: €47k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€43k-€74k▲ 74.6%€139k▲ 87.1%
Operating result€52k-€41k▼ 19.7%€84k▲ 102%
Net result€42k-€32k▼ 23.6%€65k▲ 104%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 102% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €232k
Fixed assets
€56k ▼ 17.6%
Current assets
€176k ▲ 85.8%
Equity and liabilities €232k
Equity
€139k ▲ 87.1%
Provisions
€7k
Debt
€86k ▼ 2.8%
Debt's share of the balance-sheet total falls from 54.4% to 37.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€102k▲
2024 · €52k
Cash flow
€83k▲
2024 · €43k
Current ratio
3.11▲
2024 · 1.99
Debt to equity
0.62▼
2024 · 1.19
ROE
46.6%▲
2024 · 42.7%
ROA
27.9%▲
2024 · 19.5%
Interest coverage
42.33▲
2024 · 31.31
Debt ≤ 1 year
€57k▲
2024 · €48k
Debt > 1 year
€30k▼
2024 · €41k
Income taxes
€17k▲
2024 · €8k
Staff costs
€66k▲
2024 · €39k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€163k€232k▲
Fixed assets21/28€68k€56k▼
Tangible fixed assets22/27€68k€56k▼
Land and buildings22€3k€3k▼
Plant, machinery and equipment23€6k€3k▼
Furniture and vehicles24€59k€50k▼
Financial fixed assets28€200€200=
Current assets29/58€95k€176k▲
Amounts receivable within one year40/41€21k€53k▲
Trade receivables40€15k€39k▲
Other amounts receivable41€7k€14k▲
Cash at bank and in hand54/58€74k€117k▲
Deferred charges and accrued income490/1-€6k
Equity and liabilities
Total equity and liabilities10/49€163k€232k▲
Equity10/15€74k€139k▲
Contributions10/11€1k€1k=
Reserves13€73k€138k▲
Distributable reserves133€73k€138k▲
Provisions and deferred taxes16-€7k
Provisions for liabilities and charges160/5-€7k
Environmental obligations163-€7k
Amounts payable17/49€89k€86k▼
Amounts payable after more than one year17€41k€30k▼
Financial debts170/4€41k€30k▼
Amounts payable within one year42/48€48k€57k▲
Current portion of amounts payable after more than one year42€11k€11k▲
Trade debts44€11k€24k▲
Suppliers440/4€11k€24k▲
Taxes, remuneration and social security45€25k€20k▼
Taxes450/3€21k€20k▼
Remuneration and social security454/9€4k-
Other amounts payable47/48€1k€588▼
Accrued charges and deferred income492/3€112-
Income statement
Code20242025
Remuneration, social security and pensions62€39k€66k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€18k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8-€7k
Other operating charges640/8€1k€1k▲
Gross operating margin9900€93k€176k▲
Operating profit (loss)9901€41k€84k▲
Financial income75/76B€409€1▼
Recurring financial income75€409€1▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€40k€82k▲
Income taxes67/77€8k€17k▲
Profit (loss) for the period9904€32k€65k▲
Profit (loss) for the period to be appropriated9905€32k€65k▲
Appropriation of the result
Profit (loss) to be appropriated9906€32k€65k▲
Transfer to equity691/2€32k€65k▲
To other reserves6921€32k€65k▲
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
05-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 5 days late
2025
31-12
Financial
Highest result since 2023net €65k ▲104%
Operating result €84k, net result €65k, both a record.
31-12
Financial
Equity above €100kEq €139k ▲87.1%
3 profitable years in a row build equity to €139k.
10-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 10 days late
2024
31-12
Financial
Weakest financial yearnet €32k ▼23.6%
Net result drops to €32k, the lowest in the series; recovery starts the following year.
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 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, Crisnée · 2 establishment units since 2023
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 Joseph Hamels 394367 CrisnéeGround area
1,731 m²
Building footprint
281 m²
Volume, LiDAR
1,685 m³
2 parcels, Wallonia · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
A'RAPETTI'TOITURES
since 20232.349.170.546
A'RAPETTI TOITURES
since 20262.388.415.756
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64412A0329/00B000 | Wallonia | 942 m² | 1 · 88 m² | 7.8 m · 2 fl. |
| 64413A0017/00S002 | Wallonia | 789 m² | 1 · 192 m² | 8.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Dakwerken VDC
BE 0834.512.873
Buggenhout · Eq €139,078
ENTREPRISE ROOS
BE 0885.598.815
Tournai · Eq €139,058
Bashir Roof
BE 0720.862.923
Izegem · Eq €139,153
CLIA Toitures
BE 0792.295.208
Namur · Eq €138,949
Dépann'Toit
BE 0735.885.550
Ukkel · Eq €138,914
Of 8,561 companies in sector 43410 we hold annual accounts for 4,357. 3,782 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-08-2023
Fiscal year end31-12
Activities, NACEBEL 2025
43410Roofing work
43230Insulation installation
43320Joinery installation
43421Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:arapettitoitures@hotmail.com
Phone:0492/559282