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 €219k and a net result of €114k. Equity is growing by ~73.7% per year across the filed fiscal years. Its solvency ranks better than 79% of 8023 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 health 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.
Credit advice for your own amount and term
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 →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€219k▲ 108%
2024 · €105k
2023: €64k
2024: €105k
2023 → 2025
Net result
€114k▲ 172%
2024 · €42k
2023: €61k
2024: €42k
2023 → 2025
Total assets
€269k▲ 47.1%
2024 · €183k
2023: €142k
2024: €183k
2023 → 2025
Solvency
81.5%▲ 23.8pp
2024 · 57.7%
2023: 45.0%
2024: 57.7%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€64k-€105k▲ 65.7%€219k▲ 108%
Operating result€88k-€60k▼ 31.2%€163k▲ 170%
Net result€61k-€42k▼ 31.0%€114k▲ 172%
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 €269k
Fixed assets
€36k ▼ 30.3%
Current assets
€233k ▲ 77.1%
Equity and liabilities €269k
Equity
€219k ▲ 108%
Debt
€50k ▼ 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%
ROA
42.3%▲
2024 · 22.9%
Debt ≤ 1 year
€30k▼
2024 · €43k
Debt > 1 year
€19k▼
2024 · €34k
Income taxes
€48k▲
2024 · €17k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€183k€269k▲
Fixed assets21/28€51k€36k▼
Tangible fixed assets22/27€51k€36k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€427€276▼
Leasing and similar rights25€47k€33k▼
Current assets29/58€132k€233k▲
Amounts receivable after more than one year29€36k€36k=
Trade receivables290€36k€36k=
Amounts receivable within one year40/41€23k€4k▼
Trade receivables40€23k€183▼
Other amounts receivable41€0€4k▲
Cash at bank and in hand54/58€60k€189k▲
Deferred charges and accrued income490/1€13k€4k▼
Equity and liabilities
Total equity and liabilities10/49€183k€269k▲
Equity10/15€105k€219k▲
Contributions10/11€3k€3k=
Reserves13€102k€216k▲
Distributable reserves133€102k€216k▲
Amounts payable17/49€77k€50k▼
Amounts payable after more than one year17€34k€19k▼
Financial debts170/4€34k€19k▼
Amounts payable within one year42/48€43k€30k▼
Current portion of amounts payable after more than one year42€14k€15k▲
Trade debts44€2k€659▼
Suppliers440/4€2k€659▼
Taxes, remuneration and social security45€23k€15k▼
Taxes450/3€23k€15k▼
Other amounts payable47/48€5k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€16k=
Other operating charges640/8€2k€3k▲
Gross operating margin9900€78k€181k▲
Operating profit (loss)9901€60k€163k▲
Financial income75/76B€939€1k▲
Recurring financial income75€939€1k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€59k€162k▲
Income taxes67/77€17k€48k▲
Profit (loss) for the period9904€42k€114k▲
Profit (loss) for the period to be appropriated9905€42k€114k▲
Appropriation of the result
Profit (loss) to be appropriated9906€42k€114k▲
Transfer to equity691/2€42k€114k▲
To other reserves6921€42k€114k▲
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
Next filing, fiscal year 2026, expected by
2026
24-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2023net €114k ▲172%
Operating result €163k, net result €114k, both a record.
30-09
Financial
Liquidity triplescurrent ratio 7.66
Current ratio from 3.03 to 7.66; short-term debt falls from €43k to €30k.
30-09
Financial
Equity above €200kEq €219k ▲108%
3 profitable years in a row build equity to €219k.
14-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 14 days late
2024
30-09
Financial
Weakest financial yearnet €42k ▼31%
Net result drops to €42k, the lowest in the series; recovery starts the following year.
30-09
Financial
Equity above €100kEq €105k ▲65.7%
2 profitable years in a row build equity to €105k.
09-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Wetteren · 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.
Massemsesteenweg 2929230 WetterenGround 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
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.
Similar companies · same sector, comparable size
TIGRIS FAMILY
BE 0635.615.066
Diepenbeek · Eq €219,188
Nanof
BE 0715.735.680
Diepenbeek · Eq €219,229
NAMITHEA
BE 0685.980.238
La Bruyère · Eq €218,974
Mojk Consultancy
BE 0846.001.435
Gent · Eq €218,969
B.M. MANAGEMENT
BE 0735.984.827
Dendermonde · Eq €219,310
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,551 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
Founded28-07-2022
Fiscal year end30-09
Activities, NACEBEL 2025
64210Activities of holding companies
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
1 entryE-mail:jpeynsae@live.com