Summary
Arborati 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 €280,818 and a net result of €104,781. Equity is growing by ~59.3% per year across the filed fiscal years. Its solvency ranks better than 55% of 8091 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 31-12-2025 was due by 31-07-2026 and was filed on 29-04-2026, 93 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
93 d early
2024
69 d early
2023
30 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 64 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 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 23 May (3 of the last 3 filed years within 40 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€280,818▲ 59.5%
2024 · €176,036
Net result
€104,781▲ 0.6%
2024 · €104,133
Total assets
€490,307▲ 61.2%
2024 · €304,074
Solvency
57.3%▼ 0.6pp
2024 · 57.9%
Trend over the years
Click a name to add, emphasise or remove a line.Band: 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.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result€98,474-€145,380▲ 47.6%€144,181▼ 0.8%
Net result€68,904within the sector's middle half-€104,133above the sector's middle half▲ 51.1%€104,781above the sector's middle half▲ 0.6%
Equity€71,904within the sector's middle half-€176,036within the sector's middle half▲ 145%€280,818within the sector's middle half▲ 59.5%
Total assets€196,740within the sector's middle half-€304,074within the sector's middle half▲ 54.6%€490,307within the sector's middle half▲ 61.2%
Debt€124,836-€128,037▲ 2.6%€209,489▲ 63.6%
Working capital€148,448within the sector's middle half-€234,561above the sector's middle half▲ 58.0%€406,457above the sector's middle half▲ 73.3%
Solvency36.5%within the sector's middle half-57.9%within the sector's middle half▲ 21.3pp57.3%within the sector's middle half▼ 0.6pp
Current ratio4.07within the sector's middle half-4.61above the sector's middle half▲ 0.536.01above the sector's middle half▲ 1.40
Return on assets (ROA)35.0%above the sector's middle half-34.2%above the sector's middle half▼ 0.8pp21.4%within the sector's middle half▼ 12.9pp
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 falls in 2025; 2025 is 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €490,307
Fixed assets
€2,668 ▼ 40.1%
Current assets
€487,639 ▲ 62.8%
Equity and liabilities €490,307
Equity
€280,818 ▲ 59.5%
Debt
€209,489 ▲ 63.6%
Debt's share of the balance-sheet total rises from 42.1% to 42.7%. Equity and debt are higher.
Key figures and ratios
ROE
37.3%▼
2024 · 59.2%
Debt ≤ 1 year
€81,182▲
2024 · €65,058
Debt > 1 year
€128,307▲
2024 · €62,979
Income taxes
€42,563▲
2024 · €42,142
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 | - | €906 | €1,787 | ▲ 97.3% |
| Other operating charges640/8 | €1,116 | €734 | €755 | ▲ 2.8% |
| Gross operating margin9900 | €99,589 | €147,020 | €146,723 | ▼ 0.2% |
| Operating profit (loss)9901 | €98,474 | €145,380 | €144,181 | ▼ 0.8% |
| Financial income75/76B | €368 | €7,404 | €10,587 | ▲ 43.0% |
| Recurring financial income75 | €368 | €7,404 | €10,587 | ▲ 43.0% |
| Financial charges65/66B | €3,865 | €6,510 | €7,424 | ▲ 14.0% |
| Recurring financial charges65 | €3,865 | €6,510 | €7,424 | ▲ 14.0% |
| Profit (loss) for the period before taxes9903 | €94,976 | €146,275 | €147,344 | ▲ 0.7% |
| Income taxes67/77 | €26,072 | €42,142 | €42,563 | ▲ 1.0% |
| Profit (loss) for the period9904 | €68,904 | €104,133 | €104,781 | ▲ 0.6% |
| Profit (loss) for the period to be appropriated9905 | €68,904 | €104,133 | €104,781 | ▲ 0.6% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €196,740 | €304,074 | €490,307 | ▲ 61.2% |
| Fixed assets21/28 | - | €4,455 | €2,668 | ▼ 40.1% |
| Tangible fixed assets22/27 | - | €4,455 | €2,668 | ▼ 40.1% |
| Plant, machinery and equipment23 | - | €4,455 | €2,668 | ▼ 40.1% |
| Current assets29/58 | €196,740 | €299,619 | €487,639 | ▲ 62.8% |
| Amounts receivable after more than one year29 | €113,596 | €214,174 | €377,903 | ▲ 76.4% |
| Other amounts receivable291 | €113,596 | €214,174 | €377,903 | ▲ 76.4% |
| Amounts receivable within one year40/41 | €19,742 | €48,409 | €51,586 | ▲ 6.6% |
| Trade receivables40 | €15,360 | €41,650 | €42,064 | ▲ 1.0% |
| Other amounts receivable41 | €4,382 | €6,759 | €9,522 | ▲ 40.9% |
| Cash at bank and in hand54/58 | €62,358 | €35,282 | €56,271 | ▲ 59.5% |
| Deferred charges and accrued income490/1 | €1,043 | €1,754 | €1,879 | ▲ 7.2% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €196,740 | €304,074 | €490,307 | ▲ 61.2% |
| Equity10/15 | €71,904 | €176,036 | €280,818 | ▲ 59.5% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | = |
| Reserves13 | €68,904 | €173,036 | €277,818 | ▲ 60.6% |
| Distributable reserves133 | €68,904 | €173,036 | €277,818 | ▲ 60.6% |
| Amounts payable17/49 | €124,836 | €128,037 | €209,489 | ▲ 63.6% |
| Amounts payable after more than one year17 | €76,544 | €62,979 | €128,307 | ▲ 104% |
| Financial debts170/4 | €76,544 | €62,979 | €128,307 | ▲ 104% |
| Amounts payable within one year42/48 | €48,292 | €65,058 | €81,182 | ▲ 24.8% |
| Current portion of amounts payable after more than one year42 | €14,075 | €14,670 | €29,462 | ▲ 101% |
| Trade debts44 | €191 | €533 | €424 | ▼ 20.6% |
| Suppliers440/4 | €191 | €533 | €424 | ▼ 20.6% |
| Taxes, remuneration and social security45 | €34,026 | €49,854 | €51,296 | ▲ 2.9% |
| Taxes450/3 | €34,026 | €49,854 | €51,296 | ▲ 2.9% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €68,904 | €104,133 | €104,781 | ▲ 0.6% |
| + Depreciation and write-downs630 | - | €906 | €1,787 | ▲ 97.3% |
| Operating cash flow (approximation) | €68,904 | €105,038 | €106,568 | ▲ 1.5% |
| Investment in fixed assets (approximation) | - | - | €0 | - |
| Change in cash | - | -€27,076 | €20,989 | ▲ 178% |
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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €104,781 ▲0.6%
Net result €104,781, the highest in the series.
31-12
Financial
Equity above €200,000Eq €280,818 ▲59.5%
3 profitable years in a row build equity to €280,818.
23-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150,000Eq €176,036 ▲145%
2 profitable years in a row build equity to €176,036.
01-07
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.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Zwalm · 1 establishment unit since 2022
Ground area
1,341 m²
Building footprint
175 m²
Volume, LiDAR
898 m³
Parcel 45005A0255/00P000, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Arborati
since 20222.339.230.917
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45005A0255/00P000 | Flanders | 1,341 m² | 1 · 175 m² | 8.3 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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 13,743 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded22-12-2022
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0795251233
Registered
27-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.