ARC
ActiveSummary
The annual accounts of ARC for fiscal year 2025 show a net loss of 52% of the equity at the start of that year. The 2025 annual accounts show equity of €79,845 and a net result of -€87,653. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 17% of 10519 sector peers (fiscal year 2025). The company has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability14▼-23
Solvency31▼-6
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,000 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.11 against 1.25 in 2024; short-term debt: 75.4% and cash: 1% of total assets), and 93.8% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 10519 sector peers (2025).
NBB · sector comparisonPosition among 10519 sector peers
Solvency
better than 17%
← weakest
strongest →
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
12 d late
2023
21 d late
2022
8 d late
2021
5 d early
2020
3 d late
2019
62 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 14 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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.
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, abbreviated schema
Equity
€79,845▼ 52.3%
2024 · €167,498
Total assets
€1.3m▼ 4.5%
2024 · €1.4m
Net result
-€87,653
2024 · €16,964
Working capital
€111,552▼ 50.1%
2024 · €223,494
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, 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
Line20212022202320242025
Operating result€40,273▲ 16.4%€48,575▲ 20.6%€70,705▲ 45.6%€92,815▲ 31.3%-€23,934
Net result€2,593below the sector's middle half€3,643below the sector's middle half▲ 40.5%€1,085below the sector's middle half▼ 70.2%€16,964within the sector's middle half▲ 1,464%-€87,653below the sector's middle half
Equity€145,806within the sector's middle half▲ 1.8%€149,449within the sector's middle half▲ 2.5%€150,534within the sector's middle half▲ 0.7%€167,498within the sector's middle half▲ 11.3%€79,845within the sector's middle half▼ 52.3%
Total assets€1.0mwithin the sector's middle half▼ 0.6%€1.2mwithin the sector's middle half▲ 10.1%€1.1mwithin the sector's middle half▼ 0.7%€1.4mwithin the sector's middle half▲ 18.4%€1.3mwithin the sector's middle half▼ 4.5%
Debt€902,345▼ 1.0%€1.0m▲ 11.3%€995,899▼ 0.9%€1.2m▲ 19.5%€1.2m▲ 2.2%
Working capital€259,137within the sector's middle half▼ 0.4%€263,703within the sector's middle half▲ 1.8%€246,428within the sector's middle half▼ 6.6%€223,494within the sector's middle half▼ 9.3%€111,552within the sector's middle half▼ 50.1%
Solvency13.9%below the sector's middle half▲ 0.3pp13.0%below the sector's middle half▼ 1.0pp13.1%below the sector's middle half▲ 0.2pp12.3%below the sector's middle half▼ 0.8pp6.2%below the sector's middle half▼ 6.2pp
Current ratio1.33within the sector's middle half=1.31within the sector's middle half▼ 0.021.28within the sector's middle half▼ 0.031.25within the sector's middle half▼ 0.031.11within the sector's middle half▼ 0.14
Return on assets (ROA)0.2%below the sector's middle half▲ 2.0pp0.3%below the sector's middle half▲ 0.1pp0.1%below the sector's middle half▼ 0.2pp1.2%within the sector's middle half▲ 1.2pp-6.8%below the sector's middle half▼ 8.0pp
Staff (FTE)9.3above the sector's middle half▼ 4.1%9.6above the sector's middle half▲ 3.2%10.7above the sector's middle half▲ 11.5%12.9above the sector's middle half▲ 20.6%12.9above the sector's middle half=
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €23,934 after €92,815 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.3m
Fixed assets
€207,121 ▼ 14.0%
Current assets
€1.1m ▼ 2.4%
Equity and liabilities €1.3m
Equity
€79,845 ▼ 52.3%
Debt
€1.2m ▲ 2.2%
Debt's share of the balance-sheet total rises from 87.7% to 93.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€30,825▼
2024 · €115,487
Cash flow
-€32,894▼
2024 · €39,636
Quick ratio
0.92▼
2024 · 1.09
Debt to equity
15.24▲
2024 · 7.11
ROE
-109.8%▼
2024 · 10.1%
Interest coverage
0.47▼
2024 · 2.04
Debt ≤ 1 year
€978,067▲
2024 · €893,340
Debt > 1 year
€238,670▼
2024 · €296,790
Income taxes
€272▼
2024 · €20,991
Staff costs
€1.1m▲
2024 · €953,483
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,104 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 94% are still going.
- Small
- 20 years or older
- solvency under 10%
- a small loss
1.5%
went bankrupt
3.5%
stopped otherwise
94%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,104 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €50,000 | €1,402 | €0 | - | - | - |
| Remuneration, social security and pensions62 | €602,050 | €657,481 | €763,052 | €953,483 | €1.1m | ▲ 18.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,672 | €9,686 | €12,624 | €22,672 | €54,759 | ▲ 142% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €36,337 | €0 | - | - |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | €2,810 | €0 | - | - | - |
| Other operating charges640/8 | €6,661 | €10,651 | €12,195 | €9,467 | €8,070 | ▼ 14.8% |
| Gross operating margin9900 | €650,657 | €729,204 | €894,914 | €1.1m | €1.2m | ▲ 8.5% |
| Operating profit (loss)9901 | €40,273 | €48,575 | €70,705 | €92,815 | -€23,934 | ▼ 126% |
| Financial income75/76B | €1,533 | €111 | €231 | €1,743 | €2,500 | ▲ 43.5% |
| Recurring financial income75 | €1,533 | €111 | €231 | €1,743 | €2,500 | ▲ 43.5% |
| Financial charges65/66B | €32,941 | €36,770 | €61,096 | €56,602 | €65,947 | ▲ 16.5% |
| Recurring financial charges65 | €32,941 | €36,770 | €61,096 | €56,602 | €65,947 | ▲ 16.5% |
| Profit (loss) for the period before taxes9903 | €8,865 | €11,916 | €9,840 | €37,956 | -€87,381 | ▼ 330% |
| Income taxes67/77 | €6,272 | €8,273 | €8,755 | €20,991 | €272 | ▼ 98.7% |
| Profit (loss) for the period9904 | €2,593 | €3,643 | €1,085 | €16,964 | -€87,653 | ▼ 617% |
| Profit (loss) for the period to be appropriated9905 | €2,593 | €3,643 | €1,085 | €16,964 | -€87,653 | ▼ 617% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.0m | €1.2m | €1.1m | €1.4m | €1.3m | ▼ 4.5% |
| Fixed assets21/28 | €6,669 | €31,400 | €24,106 | €240,794 | €207,121 | ▼ 14.0% |
| Intangible fixed assets21 | - | - | €14,094 | €0 | €21,085 | - |
| Tangible fixed assets22/27 | €2,569 | €27,301 | €5,820 | €240,544 | €185,786 | ▼ 22.8% |
| Plant, machinery and equipment23 | €1,957 | €1,474 | €991 | €3,489 | €2,161 | ▼ 38.1% |
| Furniture and vehicles24 | €113 | €25,452 | €4,579 | €3,270 | €1,960 | ▼ 40.1% |
| Leasing and similar rights25 | - | - | - | €233,660 | €181,665 | ▼ 22.3% |
| Other tangible fixed assets26 | €500 | €375 | €250 | €125 | €0 | ▼ 100% |
| Financial fixed assets28 | €4,099 | €4,099 | €4,192 | €250 | €250 | = |
| Current assets29/58 | €1.0m | €1.1m | €1.1m | €1.1m | €1.1m | ▼ 2.4% |
| Amounts receivable after more than one year29 | - | - | €139,303 | €296,171 | €271,171 | ▼ 8.4% |
| Trade receivables290 | - | - | €139,303 | €296,171 | €271,171 | ▼ 8.4% |
| Stocks and contracts in progress3 | €140,563 | €103,287 | €153,870 | €141,717 | €193,462 | ▲ 36.5% |
| Stocks30/36 | €140,563 | €103,287 | €153,870 | €141,717 | €193,462 | ▲ 36.5% |
| Amounts receivable within one year40/41 | €861,380 | €994,133 | €796,452 | €646,399 | €603,181 | ▼ 6.7% |
| Trade receivables40 | €801,130 | €931,483 | €731,469 | €578,035 | €533,031 | ▼ 7.8% |
| Other amounts receivable41 | €60,250 | €62,650 | €64,983 | €68,363 | €70,150 | ▲ 2.6% |
| Cash at bank and in hand54/58 | €33,812 | €19,606 | €25,282 | €12,111 | €12,336 | ▲ 1.9% |
| Deferred charges and accrued income490/1 | €5,728 | €5,541 | €7,421 | €20,437 | €9,469 | ▼ 53.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.0m | €1.2m | €1.1m | €1.4m | €1.3m | ▼ 4.5% |
| Equity10/15 | €145,806 | €149,449 | €150,534 | €167,498 | €79,845 | ▼ 52.3% |
| Contributions10/11 | €224,000 | €224,000 | €224,000 | €224,000 | €224,000 | = |
| Reserves13 | €22,400 | €22,400 | €22,400 | €0 | - | - |
| Non-distributable reserves130/1 | €22,400 | €22,400 | €22,400 | €0 | - | - |
| Reserves not available under the articles1311 | €22,400 | €22,400 | €22,400 | €0 | - | - |
| Profit (loss) carried forward14 | -€100,594 | -€96,951 | -€95,866 | -€56,502 | -€144,155 | ▼ 155% |
| Amounts payable17/49 | €902,345 | €1.0m | €995,899 | €1.2m | €1.2m | ▲ 2.2% |
| Amounts payable after more than one year17 | €120,000 | €145,654 | €120,000 | €296,790 | €238,670 | ▼ 19.6% |
| Financial debts170/4 | €120,000 | €145,654 | €120,000 | €296,790 | €238,670 | ▼ 19.6% |
| Amounts payable within one year42/48 | €782,345 | €858,864 | €875,899 | €893,340 | €978,067 | ▲ 9.5% |
| Current portion of amounts payable after more than one year42 | €1,804 | €27,448 | €25,654 | €55,873 | €58,120 | ▲ 4.0% |
| Financial debts43 | €437,346 | €394,370 | €450,221 | €423,446 | €425,531 | ▲ 0.5% |
| Credit institutions430/8 | €437,346 | €394,370 | €450,221 | €423,446 | €425,531 | ▲ 0.5% |
| Trade debts44 | €230,699 | €315,009 | €236,169 | €252,261 | €312,104 | ▲ 23.7% |
| Suppliers440/4 | €230,699 | €315,009 | €236,169 | €252,261 | €312,104 | ▲ 23.7% |
| Taxes, remuneration and social security45 | €82,497 | €92,036 | €133,855 | €131,579 | €152,122 | ▲ 15.6% |
| Taxes450/3 | €19,963 | €31,271 | €61,954 | €39,114 | €43,775 | ▲ 11.9% |
| Remuneration and social security454/9 | €62,533 | €60,765 | €71,901 | €92,465 | €108,346 | ▲ 17.2% |
| Other amounts payable47/48 | €30,000 | €30,000 | €30,000 | €30,181 | €30,191 | = |
| Accrued charges and deferred income492/3 | - | - | - | - | €157 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,593 | €3,643 | €1,085 | €16,964 | -€87,653 | ▼ 617% |
| + Depreciation and write-downs630 | €1,672 | €9,686 | €12,624 | €22,672 | €54,759 | ▲ 142% |
| Operating cash flow (approximation) | €4,265 | €13,329 | €13,709 | €39,636 | -€32,894 | ▼ 183% |
| Investment in fixed assets (approximation) | - | -€34,417 | -€5,330 | -€239,360 | -€21,085 | ▲ 91.2% |
| Change in cash | - | -€14,206 | €5,677 | -€13,172 | €226 | ▲ 102% |
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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet -€87,653
Net result drops to -€87,653, the lowest in the series.
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 12 days late
2024
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 21 days late
2023
31-12
Financial
Equity above €150,000Eq €150,534 ▲0.7%
3 profitable years in a row build equity to €150,534.
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 8 days late
2022
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €2,593
Net result €2,593 after one loss-making year.
03-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 3 days late
2020
01-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 62 days late
2019
02-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 2 days late
2018
18-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 79 days late
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Kontich · 1 establishment unit since 1987
Ground area
4,485 m²
Building footprint
1,437 m²
Volume, LiDAR
6,065 m³
Parcel 11602C0212/00Y000, Flanders · tallest building 5.2 m, ±1 floor. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
A.R.C.
since 19872.031.849.003
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11602C0212/00Y000 | Flanders | 4,485 m² | 1 · 1,437 m² | 5.2 m · 1 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.
Structure & network
Owners and holdings
2 ownersOwners 2
-
33.04%
-
20.54%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 25,000 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 25,000 EUR | 0 EUR |
Similar companies · same sector, comparable size
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KHS TRADING
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Bandencentrale Drapier
BE 0447.260.763
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Capon Wash Rochefort
BE 0470.725.459
Rochefort · Eq €81,915
Of 2,445 companies in sector 47820 we hold annual accounts for 780. 594 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
Founded30-11-1987
Fiscal year end31-12
Activities, NACEBEL 2025
47820Retail sale of motor vehicle parts and accessories
E-invoicing
Reachable via Peppol
Peppol ID
0208:0432599511
Registered
20-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.