Debts
€8,440 85% of the balance sheet
Suppliers 54%Taxes and wages 28%Other 18%
ARC ADVICE
Lifetime
5 annual accounts with figures on one time axispeak €18,172 (2021)
€7,577▼ 41.0%
lowest -€6,397 (2025)
-€6,397▼ €7,595
peak €11,031 (2021)
€1,489▼ 81.1%
€8,440▼ 28.7%
Board1 name since 2021
1 directorMORDANT Carine Andrée Lucienne
Documentsfilings and deeds
05-04-2026117 days before the deadline
2025micro format
Gross margin from €12,851 to €7,577Loss of €6,397Equity from €7,886 to €1,489Debts from €11,834 to €8,440
Key points
from the 2025 annual accountsFilings
5 annual accounts since 2021
The last five annual accounts were filed 13 to 117 days before the end of the period.
Position in the sector
-€6,397
Lower net result than 85% of companies in office administrative support. Sector median €16,198 · 9,691 companies.
Checked score
53
Fair
Financially stronger than 21% of micro companies in office administrative support (NACE 82)
Probability in this band: 1.5% to 4.2%
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59.
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 12,672 companies (NACE 82, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.3%▲ +0.1 percentage points vs 02-2025
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.3%● unchanged vs 05-2025highest value
07-2025: 0.2%▼ -0.1 percentage points vs 06-2025
08-2025: 0.2%● unchanged vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026lowest value
07-2026: 0.2%● unchanged vs 06-2026lowest value
08-2026: 0.2%● unchanged vs 07-2026lowest value
09-2026: 0.2%● unchanged vs 08-2026lowest value
10-2026: 0.2%● unchanged vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Capped at 59: a net loss of at least half of total assets or of the equity at the start of the financial year
Loss of €6,397 (financial year 2025)
lowers risk
Sector: Office administrative, office support and other business support activities (NACE 82)
Size: turnover €30,233, total assets €9,929
Liquidity: current ratio 0.58, cash €2,676
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 82, micro). It does better than 24% of them on solvency, 21% on liquidity, 30% on profitability and 7% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,133 companies had the same profile as ARC ADVICE has now. Each dot stands for 3 companies, two years later.
86.4%
were still trading
6.6%
stopped another way
6.4%
went bankrupt
Another 0.5% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of ARC ADVICE itself is lower: 0.2% within 12 months. It rests on far more data about ARC ADVICE than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,133 companies, not a prediction for ARC ADVICE. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No publishable credit limit, so credit 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 is insufficient, with a current ratio of 0.58 (0.59 in 2024), below 1. Short-term debt is 85% and cash 27% of total assets. 85% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 9695 sector peers (2025).
NBB · sector comparisonPosition among 9695 sector peers
Solvency
better than 23%
← 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 05-04-2026, 117 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
117 days early
2024
42 days early
2023
75 days early
2022
13 days early
2021
26 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 55 days before the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 19 June (4 of the last 5 accounts filed within 32 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- MORDANT Carine Andrée Lucienne founderdeed of 09-03-2021
- SCHUERMANS Romain Jacques Jean-Luc founderdeed of 09-03-2021
- SCHUERMANS Antoine Max Xavier Carol founderdeed of 09-03-2021
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0764693560
Registered office moved from Lasne to Ottignies-Louvain-la-Neuve
New registered office: rue Grand'Rue 52, à 1341 Ottignies-Louvain-La-Neuve (Région Wallonne) · Previous registered office: rue du Mont Cornet 6, à 1380 Lasne · Board meeting of 21-06-2021 · Gazette deed
Incorporation
Founding capital of €3,000, 100 shares · Founders: MORDANT Carine Andrée Lucienne (comparante), SCHUERMANS Romain Jacques Jean-Luc (comparant) and SCHUERMANS Antoine Max Xavier Carol (comparant) · Appointment: MORDANT Carine Andrée Lucienne (director) · published on 09-03-2021 · Gazette deed
First establishment
Rue Grand'Rue 52, Ottignies-Louvain-la-Neuve
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| ARC ADVICE Ottignies-Louvain-la-Neuve | €9,929 | €7,577 | 15.0% | - |
| E.Y.F. ACCOUNTING Liège | €13,666 | €8,207 | 0.0% | - |
| CHC - MANAGEMENT Willebroek | €12,851 | €9,920 | -7.3% | - |
| ADR CONSEILS Flémalle | €7,492 | €5,739 | 32.8% | - |
| LAMA SANTE Brussels | €8,503 | €11,872 | -188.3% | - |
| I'll be back Le Roeulx | €15,189 | €6,639 | 1.6% | - |
| OFFICE CARE & SUPPORT Charleroi | €13,238 | €9,238 | -36.8% | - |
These companies have the same main activity as ARC ADVICE: office administrative and support services (NACE 82100). They are comparable in size and age: total assets between €7,490 and €15,200, founded between 2019 and 2022.
Official details
Source: KBO- Status
- Active since 05-03-2021Normal situation
- Activity
- Office administrative and support servicesNACE 82100and 5 others
- Establishment unit
- 2.315.151.0621341 Ottignies-Louvain-la-Neuve, since 05-03-2021
- Financial year end
- 31 December
- Peppol
- Reachable since 29-07-2025
Annual accounts 2025
- €9,929▼ 49.7%
- ≈ 0.1 FTEestimated
- Filing
- Filed on 05-04-2026, 117 days before the end of the filing period
Insights on ARC ADVICE
ARC ADVICE files the micro format. That format states no turnover. The gross margin fell from €18,172 in 2021 to €7,577 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about ARC ADVICE
- What is the company number of ARC ADVICE?
- The company number of ARC ADVICE is 0764.693.560. The VAT number is the same number with BE in front: BE 0764.693.560.
- Where is ARC ADVICE based?
- The registered office is at Rue Grand'Rue 52, 1341 Ottignies-Louvain-la-Neuve.Company details
- What does ARC ADVICE do?
- According to the KBO register, the main activity is office administrative and support services (NACE 82100).
- What is the legal form of ARC ADVICE?
- ARC ADVICE is a private limited company (BV).
- When was ARC ADVICE founded?
- ARC ADVICE was founded on 05-03-2021.
- Is ARC ADVICE still active?
- Yes, ARC ADVICE is an active enterprise in the KBO register.
- What is the turnover of ARC ADVICE?
- The turnover of ARC ADVICE was €30,233 in financial year 2025, according to the filed annual accounts.Financials
- Is ARC ADVICE profitable?
- In financial year 2025, ARC ADVICE made a loss of €6,397.
- Where can I find the annual accounts of ARC ADVICE?
- ARC ADVICE filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of ARC ADVICE due?
- ARC ADVICE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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