ARBOTAILLE 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 €159k and a net result of €-72. Equity is growing by ~10.7% per year across the filed fiscal years. Its solvency ranks better than 81% of 5523 sector peers (fiscal year 2025). The company has been active since 1982 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
Three signals. 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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
25 d late
2023
29 d late
2022
29 d late
2021
29 d late
2020
30 d late
2019
28 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€159k=
2024 · €160k
2018: €92k
2019: €87k
2020: €95k
2021: €117k
2022: €149k
2023: €159k
2024: €160k
2018 → 2025
Net result
€-72
2024 · €1k
2018: €-513
2019: €-5k
2020: €8k
2021: €21k
2022: €32k
2023: €9k
2024: €1k
2018 → 2025
Total assets
€185k▼ 2.4%
2024 · €190k
2018: €143k
2019: €126k
2020: €132k
2021: €140k
2022: €171k
2023: €188k
2024: €190k
2018 → 2025
Solvency
86.2%▲ 2.1pp
2024 · 84.2%
2018: 64.5%
2019: 69.3%
2020: 72.0%
2021: 83.5%
2022: 87.1%
2023: 84.2%
2024: 84.2%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€95k-€92k▼ 3.7%€66k▼ 27.7%€55k▼ 16.4%€56k▲ 0.7%
Equity€117k-€149k▲ 27.7%€159k▲ 6.4%€160k▲ 0.6%€159k=
Operating result€22k-€33k▲ 48.7%€10k▼ 69.8%€2k▼ 81.3%€782▼ 57.9%
Net result€21k-€32k▲ 50.2%€9k▼ 70.6%€1k▼ 89.4%€-72
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 58% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €185k
Fixed assets
€29k▼ 26.9%
Current assets
€156k▲ 4.2%
Equity and liabilities €185k
Equity
€159k=
Debt
€25k▼ 15.1%
The debt ratio falls from 15.8% to 13.8%. Debt is lower.
Key figures and ratios
Solvency
86.2%▲
2024 · 84.2%
ROE
0.0%▼
2024 · 0.6%
ROA
0.0%▼
2024 · 0.5%
Debt
€25k▼
2024 · €30k
Debt ≤ 1 year
€19k▼
2024 · €20k
Debt > 1 year
€6k▼
2024 · €10k
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€190k€185k▼
Fixed assets21/28€40k€29k▼
Tangible fixed assets22/27€40k€29k▼
Plant, machinery and equipment23€6k€1k▼
Furniture and vehicles24€30k€25k▼
Other tangible fixed assets26€3k€3k▼
Financial fixed assets28€135€135=
Current assets29/58€149k€156k▲
Amounts receivable within one year40/41€140k€138k▼
Trade receivables40€17k€23k▲
Other amounts receivable41€123k€115k▼
Cash at bank and in hand54/58€8k€17k▲
Deferred charges and accrued income490/1€770€794▲
Equity and liabilities
Total equity and liabilities10/49€190k€185k▼
Equity10/15€160k€159k=
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€98k€97k▼
Non-distributable reserves130/1€7k€7k=
Legal reserve130€7k€7k=
Distributable reserves133€91k€91k▼
Amounts payable17/49€30k€25k▼
Amounts payable after more than one year17€10k€6k▼
Financial debts170/4€10k€6k▼
Amounts payable within one year42/48€20k€19k▼
Current portion of amounts payable after more than one year42€4k€4k▲
Trade debts44€16k€14k▼
Suppliers440/4€16k€14k▼
Other amounts payable47/48-€1k
Income statement
Code20242025
Turnover70€55k€56k▲
Goods, raw materials, services and sundry goods60/61€39k€42k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▼
Other operating charges640/8€1k€100▼
Gross operating margin9900€16k€14k▼
Operating profit (loss)9901€2k€782▼
Financial charges65/66B€853€854▲
Recurring financial charges65€853€854▲
Profit (loss) for the period before taxes9903€1k€-72▼
Profit (loss) for the period9904€1k€-72▼
Profit (loss) for the period to be appropriated9905€1k€-72▼
Appropriation of the result
Profit (loss) to be appropriated9906€1k€-72▼
Transfer from equity791/2-€72
Transfer to equity691/2€1k-
To other reserves6921€1k-
The notes to these accounts (10 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Equity above €150kEq €159k ▲6.4%
4 profitable years in a row build equity to €159k.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Highest result since 2018net €32k ▲50.2%
Operating result €33k, net result €32k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Equity above €100kEq €117k ▲22.6%
2 profitable years in a row build equity to €117k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Back to profitnet €8k
Net result €8k after 2 loss-making years.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Weakest financial yearnet €-5k
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 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, Wavre · 1 establishment unit since 2001
Ground area
837 m²
Building footprint
233 m²
Volume, LiDAR
1,196 m³
Parcel 25112B0051/00Y000, Wallonia · tallest building 6.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Avenue Nobel 4, 1300 Wavre
since 20012.128.885.526
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25112B0051/00Y000 | Wallonia | 837 m² | 1 · 232 m² | 6.3 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.
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Of 186 companies in sector 64910 we hold annual accounts for 133. 65 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded15-10-1982
Fiscal year end31-12
Activities, NACEBEL
64910Financial service activities, except insurance and pension funding
65210
02012
02020
02200Logging
02400Forestry and logging
10830Manufacture of food products
46831Wholesale of construction materials, general range
51532
68310Real estate agency activities
68311Real estate activities
70311
Sources
Crossroads Bank for EnterprisesNational Bank · 39 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.