Summary
Arbaja is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €219,132 and a net result of €113,682. Equity is growing by ~73.7% per year across the filed fiscal years. Its solvency ranks better than 79% of 8211 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 24-03-2026, 37 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
37 d early
2024
14 d late
2023
21 d early
← 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 15 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 10 April (3 of the last 3 filed years within 34 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 close01-10-2026 today30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€219,132▲ 108%
2024 · €105,450
Net result
€113,682▲ 172%
2024 · €41,811
Total assets
€268,729▲ 47.1%
2024 · €182,736
Solvency
81.5%▲ 23.8pp
2024 · 57.7%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result€87,760-€60,345▼ 31.2%€162,851▲ 170%
Net result€60,639within the sector's middle half-€41,811within the sector's middle half▼ 31.0%€113,682above the sector's middle half▲ 172%
Equity€63,639within the sector's middle half-€105,450within the sector's middle half▲ 65.7%€219,132within the sector's middle half▲ 108%
Total assets€141,562within the sector's middle half-€182,736within the sector's middle half▲ 29.1%€268,729within the sector's middle half▲ 47.1%
Debt€77,923-€77,286▼ 0.8%€49,597▼ 35.8%
Working capital€45,056within the sector's middle half-€88,182within the sector's middle half▲ 95.7%€202,665above the sector's middle half▲ 130%
Solvency45.0%within the sector's middle half-57.7%within the sector's middle half▲ 12.8pp81.5%above the sector's middle half▲ 23.8pp
Current ratio2.51within the sector's middle half-3.03within the sector's middle half▲ 0.527.66above the sector's middle half▲ 4.62
Return on assets (ROA)42.8%above the sector's middle half-22.9%within the sector's middle half▼ 20.0pp42.3%above the sector's middle half▲ 19.4pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
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 170% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €268,729
Fixed assets
€35,611 ▼ 30.3%
Current assets
€233,118 ▲ 77.1%
Equity and liabilities €268,729
Equity
€219,132 ▲ 108%
Debt
€49,597 ▼ 35.8%
Debt's share of the balance-sheet total falls from 42.3% to 18.5%. Equity is higher and debt is lower.
Key figures and ratios
ROE
51.9%▲
2024 · 39.7%
Debt ≤ 1 year
€30,453▼
2024 · €43,428
Debt > 1 year
€19,144▼
2024 · €33,858
Income taxes
€48,309▲
2024 · €16,837
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11,833 | €15,514 | €15,514 | = |
| Other operating charges640/8 | €1,878 | €2,328 | €2,780 | ▲ 19.4% |
| Gross operating margin9900 | €101,471 | €78,187 | €181,145 | ▲ 132% |
| Operating profit (loss)9901 | €87,760 | €60,345 | €162,851 | ▲ 170% |
| Financial income75/76B | €141 | €939 | €1,084 | ▲ 15.5% |
| Recurring financial income75 | €141 | €939 | €1,084 | ▲ 15.5% |
| Financial charges65/66B | €2,174 | €2,636 | €1,943 | ▼ 26.3% |
| Recurring financial charges65 | €2,174 | €2,636 | €1,943 | ▼ 26.3% |
| Profit (loss) for the period before taxes9903 | €85,728 | €58,648 | €161,992 | ▲ 176% |
| Income taxes67/77 | €25,090 | €16,837 | €48,309 | ▲ 187% |
| Profit (loss) for the period9904 | €60,639 | €41,811 | €113,682 | ▲ 172% |
| Profit (loss) for the period to be appropriated9905 | €60,639 | €41,811 | €113,682 | ▲ 172% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €141,562 | €182,736 | €268,729 | ▲ 47.1% |
| Fixed assets21/28 | €66,640 | €51,126 | €35,611 | ▼ 30.3% |
| Tangible fixed assets22/27 | €66,640 | €51,126 | €35,611 | ▼ 30.3% |
| Plant, machinery and equipment23 | €4,321 | €3,303 | €2,284 | ▼ 30.8% |
| Furniture and vehicles24 | €579 | €427 | €276 | ▼ 35.5% |
| Leasing and similar rights25 | €61,740 | €47,396 | €33,051 | ▼ 30.3% |
| Current assets29/58 | €74,922 | €131,610 | €233,118 | ▲ 77.1% |
| Amounts receivable after more than one year29 | - | €35,800 | €35,800 | = |
| Trade receivables290 | - | €35,800 | €35,800 | = |
| Amounts receivable within one year40/41 | €23,000 | €22,990 | €4,318 | ▼ 81.2% |
| Trade receivables40 | €18,518 | €22,990 | €183 | ▼ 99.2% |
| Other amounts receivable41 | €4,482 | €0 | €4,135 | - |
| Cash at bank and in hand54/58 | €50,746 | €60,189 | €188,931 | ▲ 214% |
| Deferred charges and accrued income490/1 | €1,175 | €12,631 | €4,068 | ▼ 67.8% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €141,562 | €182,736 | €268,729 | ▲ 47.1% |
| Equity10/15 | €63,639 | €105,450 | €219,132 | ▲ 108% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | = |
| Reserves13 | €60,639 | €102,450 | €216,132 | ▲ 111% |
| Distributable reserves133 | €60,639 | €102,450 | €216,132 | ▲ 111% |
| Amounts payable17/49 | €77,923 | €77,286 | €49,597 | ▼ 35.8% |
| Amounts payable after more than one year17 | €48,057 | €33,858 | €19,144 | ▼ 43.5% |
| Financial debts170/4 | €48,057 | €33,858 | €19,144 | ▼ 43.5% |
| Amounts payable within one year42/48 | €29,866 | €43,428 | €30,453 | ▼ 29.9% |
| Current portion of amounts payable after more than one year42 | €13,703 | €14,199 | €14,714 | ▲ 3.6% |
| Trade debts44 | €4,067 | €1,877 | €659 | ▼ 64.9% |
| Suppliers440/4 | €4,067 | €1,877 | €659 | ▼ 64.9% |
| Taxes, remuneration and social security45 | €12,096 | €22,667 | €15,080 | ▼ 33.5% |
| Taxes450/3 | €12,096 | €22,667 | €15,080 | ▼ 33.5% |
| Other amounts payable47/48 | - | €4,685 | €0 | ▼ 100% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €60,639 | €41,811 | €113,682 | ▲ 172% |
| + Depreciation and write-downs630 | €11,833 | €15,514 | €15,514 | = |
| Operating cash flow (approximation) | €72,471 | €57,325 | €129,197 | ▲ 125% |
| Investment in fixed assets (approximation) | - | €0 | €0 | - |
| Change in cash | - | €9,442 | €128,743 | ▲ 1,263% |
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
Next filing, fiscal year 2026, expected by
2026
10-07
State Gazette act
Registered officeRegistered-office move1 fact ▸
State Gazette act
Registered office
Registered-office move1 fact ▸
- Registered-office move, Massemsesteenweg 292, 9230 Wetteren
24-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2023net €113,682 ▲172%
Operating result €162,851, net result €113,682, both a record.
30-09
Financial
Liquidity triplescurrent ratio 7.66
Current ratio from 3.03 to 7.66; short-term debt falls from €43,428 to €30,453.
30-09
Financial
Equity above €200,000Eq €219,132 ▲108%
3 profitable years in a row build equity to €219,132.
14-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 14 days late
2024
30-09
Financial
Weakest financial yearnet €41,811 ▼31%
Net result drops to €41,811, the lowest in the series; recovery starts the following year.
30-09
Financial
Equity above €100,000Eq €105,450 ▲65.7%
2 profitable years in a row build equity to €105,450.
09-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 2 acts read
About the unread acts
Of the 2 Belgian State Gazette acts we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 1 of 2 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Wetteren · 1 establishment unit since 2022
Ground area
295 m²
Building footprint
282 m²
Volume, LiDAR
1,454 m³
Parcel 42012A0469/00B000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Arbaja
since 20222.333.855.533
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42012A0469/00B000 | Flanders | 295 m² | 1 · 282 m² | 9.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 24,721 companies in this sector we hold annual accounts for 19,804. 13,564 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded28-07-2022
Fiscal year end30-09
Activities, NACEBEL 2025
64210Activities of holding companies
Contact
E-mail
jpeynsae@live.com
E-invoicing
Reachable via Peppol
Peppol ID
0208:0788971175
Also
9925:BE0788971175
Registered
05-01-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.