ARB-H
ActiveThe computed 12-month bankruptcy probability of ARB-H is 3.7% (moderate). The 2024 annual accounts show equity of €25k and a net result of €8k. Equity is growing by ~71.9% per year across the filed fiscal years. Its solvency ranks better than 57% of 6714 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
81
/ 100
Excellent▲ +3 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency72▲+24
Growth78=
Stability94
Bankruptcy probability, 12 months
3.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.21 against 1.36 in 2023), and 55.5% 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 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
44.5%
Return on assets
14.5%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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
not confirmed
2024
29 d late
2023
3 d early
2022
29 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€25k▲ 48.4%
2023 · €17k
2022: €790
2023: €17k
2022 → 2024
Total assets
€56k▼ 12.3%
2023 · €64k
2022: €790
2023: €64k
2022 → 2024
Net result
€8k▼ 49.2%
2023 · €16k
2022: €-2k
2023: €16k
2022 → 2024
Working capital
€7k▼ 60.6%
2023 · €17k
2023: €17k
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€790-€17k▲ 2,043%€25k▲ 48.4%
Operating result€-2k-€20k€11k▼ 45.6%
Net result€-2k-€16k€8k▼ 49.2%
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 2024; 2024 is 46% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €56k
Fixed assets
€18k
Current assets
€38k
Equity and liabilities €56k
Equity
€25k▲ 48.4%
Debt
€31k▼ 34.0%
The debt ratio falls from 73.7% to 55.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€17k
Cash flow
€15k
Solvency
44.5%▲
2023 · 26.3%
Current ratio
1.21▼
2023 · 1.36
Quick ratio
1.21▼
2023 · 1.36
Debt / equity
1.25▼
2023 · 2.80
ROE
32.6%▼
2023 · 95.3%
ROA
14.5%▼
2023 · 25.1%
Interest coverage
49.13
Debt
€31k▼
2023 · €47k
Debt ≤ 1 year
€31k▼
2023 · €47k
Income taxes
€2k▼
2023 · €4k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€64k€56k▼
Fixed assets21/28-€18k
Tangible fixed assets22/27-€18k
Furniture and vehicles24-€18k
Current assets29/58€64k€38k▼
Amounts receivable within one year40/41€54k€36k▼
Trade receivables40€51k€36k▼
Other amounts receivable41€4k-
Cash at bank and in hand54/58€10k€2k▼
Equity and liabilities
Total equity and liabilities10/49€64k€56k▼
Equity10/15€17k€25k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€14k€22k▲
Amounts payable17/49€47k€31k▼
Amounts payable within one year42/48€47k€31k▼
Trade debts44€31k€5k▼
Suppliers440/4€31k€5k▼
Taxes, remuneration and social security45€9k€7k▼
Taxes450/3€9k€7k▼
Other amounts payable47/48€8k€20k▲
Income statement
Code20232024
Non-recurring operating income76A-€3k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€7k
Other operating charges640/8-€154
Non-recurring operating charges66A€5k-
Gross operating margin9900€25k€18k▼
Operating profit (loss)9901€20k€11k▼
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€238€353▲
Recurring financial charges65€238€353▲
Profit (loss) for the period before taxes9903€20k€10k▼
Income taxes67/77€4k€2k▼
Profit (loss) for the period9904€16k€8k▼
Profit (loss) for the period to be appropriated9905€16k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€22k▲
Profit (loss) brought forward from the previous period14P€-2k€14k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
28-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 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, Dilbeek · 1 establishment unit since 2022
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.
Itterbeeksebaan 2541701 DilbeekGround area
219 m²
Building footprint
68 m²
Volume, LiDAR
505 m³
Parcel 23037B0214/00D000, Flanders · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ARB-H
since 20222.335.038.834
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23037B0214/00D000 | Flanders | 219 m² | 1 · 68 m² | 11.7 m · 3 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 12,446 companies in sector 49410 we hold annual accounts for 8,086. 5,174 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-09-2022
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.