AR&JO
ActiveSummary
AR&JO has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €67,329 and a net result of €55,106. Equity is growing by ~32.3% per year across the filed fiscal years. Its solvency ranks better than 47% of 7814 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
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Signals
This company filed its last 4 accounts on average 137 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed late.
Checked, nothing found (2)
History
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Financials · fiscal year 2025, micro schema
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Peer companies
Historical observationOf the 39,275 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 39,275 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €145 | €437 | €1,011 | €1,927 | ▲ 90.6% |
| Other operating charges640/8 | €170 | - | - | €543 | - |
| Gross operating margin9900 | €90,969 | €102,204 | €83,365 | €79,956 | ▼ 4.1% |
| Operating profit (loss)9901 | €90,653 | €101,767 | €82,355 | €77,486 | ▼ 5.9% |
| Financial income75/76B | - | €26 | - | €10 | - |
| Recurring financial income75 | - | €26 | - | €10 | - |
| Financial charges65/66B | €255 | €335 | €888 | €642 | ▼ 27.7% |
| Recurring financial charges65 | €255 | €335 | €888 | €642 | ▼ 27.7% |
| Profit (loss) for the period before taxes9903 | €90,398 | €101,458 | €81,466 | €76,854 | ▼ 5.7% |
| Income taxes67/77 | €22,101 | €30,073 | €23,819 | €21,748 | ▼ 8.7% |
| Profit (loss) for the period9904 | €68,297 | €71,385 | €57,647 | €55,106 | ▼ 4.4% |
| Profit (loss) for the period to be appropriated9905 | €68,297 | €71,385 | €57,647 | €55,106 | ▼ 4.4% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €91,338 | €121,357 | €132,257 | €141,605 | ▲ 7.1% |
| Fixed assets21/28 | €2,041 | €1,604 | €6,424 | €8,362 | ▲ 30.2% |
| Tangible fixed assets22/27 | €2,041 | €1,604 | €6,424 | €8,362 | ▲ 30.2% |
| Plant, machinery and equipment23 | €2,041 | €1,604 | €6,424 | €8,362 | ▲ 30.2% |
| Current assets29/58 | €89,296 | €119,753 | €125,833 | €133,244 | ▲ 5.9% |
| Stocks and contracts in progress3 | - | - | - | €1,700 | - |
| Stocks30/36 | - | - | - | €1,700 | - |
| Amounts receivable within one year40/41 | €6,979 | €3,184 | €14,269 | €14,163 | ▼ 0.7% |
| Trade receivables40 | €6,979 | €3,184 | €8,034 | €10,911 | ▲ 35.8% |
| Other amounts receivable41 | - | - | €6,235 | €3,252 | ▼ 47.8% |
| Cash at bank and in hand54/58 | €82,317 | €115,160 | €111,478 | €116,774 | ▲ 4.8% |
| Deferred charges and accrued income490/1 | - | €1,409 | €86 | €606 | ▲ 607% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €91,338 | €121,357 | €132,257 | €141,605 | ▲ 7.1% |
| Equity10/15 | €28,297 | €54,682 | €112,329 | €67,329 | ▼ 40.1% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Reserves13 | €23,297 | €49,682 | €62,329 | €62,329 | = |
| Distributable reserves133 | €23,297 | €49,682 | €62,329 | €62,329 | = |
| Profit (loss) carried forward14 | - | - | €45,000 | - | - |
| Amounts payable17/49 | €63,040 | €66,675 | €19,928 | €74,276 | ▲ 273% |
| Amounts payable within one year42/48 | €63,040 | €66,675 | €19,928 | €74,276 | ▲ 273% |
| Current portion of amounts payable after more than one year42 | €5,014 | €5,119 | €8,546 | €8,494 | ▼ 0.6% |
| Trade debts44 | €1,751 | €7,502 | €2,539 | €2,469 | ▼ 2.8% |
| Suppliers440/4 | €1,751 | €7,502 | €2,539 | €2,469 | ▼ 2.8% |
| Taxes, remuneration and social security45 | €8,998 | €5,454 | €8,356 | €6,183 | ▼ 26.0% |
| Taxes450/3 | €8,998 | €5,454 | €8,356 | €6,183 | ▼ 26.0% |
| Other amounts payable47/48 | €47,277 | €48,600 | €487 | €57,130 | ▲ 11,621% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €68,297 | €71,385 | €57,647 | €55,106 | ▼ 4.4% |
| + Depreciation and write-downs630 | €145 | €437 | €1,011 | €1,927 | ▲ 90.6% |
| Operating cash flow (approximation) | €68,442 | €71,822 | €58,658 | €57,032 | ▼ 2.8% |
| Investment in fixed assets (approximation) | - | €0 | -€5,831 | -€3,864 | ▲ 33.7% |
| Change in cash | - | €32,843 | -€3,682 | €5,296 | ▲ 244% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Directors · office · real estate
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.
F. E. Van Elderenlaan 161160 Oudergem1 establishment unit
Similar companies · same sector, comparable size
Identification & contact
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.