Arbor Group
ActiveThe computed 12-month bankruptcy probability of Arbor Group is 1.8% (moderate). The 2025 annual accounts show equity of €61k and a net result of €34k. Equity is growing by ~460% per year across the filed fiscal years. Its solvency ranks better than 34% of 18207 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
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability60▼-13
Solvency40▲+11
Growth78=
Track record94
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.18 against 1.04 in 2024; short-term debt: 84.5% and cash: 19.4% of total assets), and 84.7% 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 47
Relative position
BE, all sectors
reference
Sector 47
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
15.3%
Return on assets
8.6%
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 27-08-2026, 27 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
27 d late
2024
83 d late
2023
23 d late
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€61k▲ 813%
2024 · €7k
2023: €-498
2024: €7k
2023 → 2025
Total assets
€399k▲ 147%
2024 · €162k
2023: €59k
2024: €162k
2023 → 2025
Net result
€34k▲ 26.2%
2024 · €27k
2023: €-20k
2024: €27k
2023 → 2025
Working capital
€60k▲ 982%
2024 · €6k
2023: €7k
2024: €6k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€-498-€7k€61k▲ 813%
Operating result€-22k-€40k€64k▲ 57.9%
Net result€-20k-€27k€34k▲ 26.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 58% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €399k
Fixed assets
€2k▲ 45.2%
Current assets
€397k▲ 148%
Equity and liabilities €399k
Equity
€61k▲ 813%
Debt
€338k▲ 118%
The debt ratio falls from 95.9% to 84.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€65k▲
2024 · €42k
Cash flow
€35k▲
2024 · €29k
Solvency
15.3%▲
2024 · 4.1%
Current ratio
1.18▲
2024 · 1.04
Quick ratio
1.03▲
2024 · 0.91
Debt / equity
5.55▼
2024 · 23.20
ROE
56.3%▼
2024 · 406.7%
ROA
8.6%▼
2024 · 16.8%
Interest coverage
3.65▼
2024 · 4.00
Debt
€338k▲
2024 · €155k
Debt ≤ 1 year
€338k▲
2024 · €155k
Income taxes
€14k▲
2024 · €3k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€162k€399k▲
Fixed assets21/28€2k€2k▲
Tangible fixed assets22/27€2k€2k▲
Furniture and vehicles24€2k€2k▲
Current assets29/58€160k€397k▲
Stocks and contracts in progress3€20k€50k▲
Stocks30/36€20k€50k▲
Amounts receivable within one year40/41€64k€268k▲
Trade receivables40€63k€267k▲
Other amounts receivable41€2k€685▼
Cash at bank and in hand54/58€76k€78k▲
Deferred charges and accrued income490/1€0€1k▲
Equity and liabilities
Total equity and liabilities10/49€162k€399k▲
Equity10/15€7k€61k▲
Contributions10/11€0€20k▲
Profit (loss) carried forward14€7k€41k▲
Amounts payable17/49€155k€338k▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€155k€338k▲
Current portion of amounts payable after more than one year42€47k€105k▲
Financial debts43€49k€8k▼
Credit institutions430/8€49k€8k▼
Trade debts44€17k€158k▲
Suppliers440/4€17k€158k▲
Taxes, remuneration and social security45€5k€52k▲
Taxes450/3€5k€42k▲
Remuneration and social security454/9-€10k
Other amounts payable47/48€36k€15k▼
Accrued charges and deferred income492/3€442€884▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▼
Other operating charges640/8€735€486▼
Gross operating margin9900€42k€65k▲
Operating profit (loss)9901€40k€64k▲
Financial income75/76B€9€3k▲
Recurring financial income75€9€3k▲
Financial charges65/66B€10k€18k▲
Recurring financial charges65€10k€18k▲
Profit (loss) for the period before taxes9903€30k€49k▲
Income taxes67/77€3k€14k▲
Profit (loss) for the period9904€27k€34k▲
Profit (loss) for the period to be appropriated9905€27k€34k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€41k▲
Profit (loss) brought forward from the previous period14P€-20k€7k▲
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Highest result since 2023net €34k ▲26.2%
Operating result €64k, net result €34k, both a record.
22-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 83 days late
2024
31-12
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
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, Antwerpen · 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.
Steenhouwersvest 542000 AntwerpenGround area
86 m²
Building footprint
86 m²
Volume, LiDAR
1,573 m³
Parcel 11804D0728/00G000, Flanders · tallest building 20.9 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Arbor Group
since 20222.335.735.650
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11804D0728/00G000 | Flanders | 86 m² | 1 · 86 m² | 20.9 m · 6 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 6,503 companies in sector 47716 we hold annual accounts for 2,438. 1,878 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-07-2022
Fiscal year end31-12
Activities, NACEBEL
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47120Other non-specialised retail sale
47910Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.arborantwerp.com
E-mail:info@arborantwerp.com