Arca

Active

Public limited companyfounded 1946active for 79 yearsEndepoelstraat(LUB) 5, 3210 Lubbeek, BelgiumKBO/BCE: BE 0400.616.829

Summary

The computed 12-month bankruptcy probability of Arca is 2.6% (moderate). The 2024 annual accounts show equity of €932,969 and a net result of -€94,094. Equity remains stable across the filed financial years (±2.1% per year). The company has been active since 1946 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow Report Compare

ArcaActiveChecked score 51/100

Risk analysis Report Compare

Activity

Wholesale trade

NACE 46496

Oldest company in Lubbeek, Wholesale and retail trade sector1 site

Size

€2.9mtotal assets 2024

Staff: 7.8 FTE
Equity: €932,969
Loss: -€94,094

Turnover not published (abbreviated format)

Financial health

51 Fair Checked score 2024

Bankruptcy probabilitywithin 12 months: 2.6%

Structure

2025 accounts filed 33 days late3 deeds in the Belgian Official Gazette

Why 51raises riskFigures for financial year 2024 (filed 07-11-2025)Liquidity: current ratio 1.41, cash €108,633Size: 7.8 FTE, total assets €2.9mlowers riskFounded in 1946Show the evidence

Checked score

Score 2024

51 / 100

Fair

Probability in this band: 1.5% to 4.2%

Financially better than 27% of its sector peers (NACE 46, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2023

Weak

Solvency 58-1

equity 32.7% of total assets

Liquidity 19=

short-term debt 67.3% · cash 3.8%

Profitability 15-22

return on assets -3.3%

Bankruptcy probability, 12 months

2.6% Moderate

0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,868 companies, NACE 46, micro)

Last 24 months 11-2024: 0.8% 12-2024: 0.8%● unchanged vs 11-2024 01-2025: 0.8%● unchanged vs 12-2024 02-2025: 0.8%● unchanged vs 01-2025 03-2025: 0.7%▼ -0.1 percentage points vs 02-2025lowest value 04-2025: 0.8%▲ +0.1 percentage points vs 03-2025 05-2025: 0.8%● unchanged vs 04-2025 06-2025: 0.8%● unchanged vs 05-2025 07-2025: 1.0%▲ +0.2 percentage points vs 06-2025 08-2025: 1.5%▲ +0.5 percentage points vs 07-2025 09-2025: 1.8%▲ +0.3 percentage points vs 08-2025 10-2025: 2.6%▲ +0.8 percentage points vs 09-2025 11-2025: 2.7%▲ +0.1 percentage points vs 10-2025highest value 12-2025: 1.2%▼ -1.5 percentage points vs 11-2025 01-2026: 1.2%● unchanged vs 12-2025 02-2026: 1.2%● unchanged vs 01-2026 03-2026: 1.2%● unchanged vs 02-2026 04-2026: 1.2%● unchanged vs 03-2026 05-2026: 1.2%● unchanged vs 04-2026 06-2026: 1.2%● unchanged vs 05-2026 07-2026: 1.2%● unchanged vs 06-2026 08-2026: 1.9%▲ +0.7 percentage points vs 07-2026 09-2026: 2.3%▲ +0.4 percentage points vs 08-2026 10-2026: 2.6%▲ +0.3 percentage points vs 09-2026

Credit of up to €45,000 on 30-day terms is acceptable

Liquidity tight (current ratio 1.41, compared with 1.47 in 2023, below the usual 1.5; short-term debt: 67.3% and cash: 3.8% of total assets), and 67.3% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 46, micro): better than 42% on solvency, 18% on liquidity, 19% on profitability and 27% on growth.

The bankruptcy probability was computed on 23-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.

lowers riskraises risk

Figures for financial year 2024 (filed 07-11-2025)

NBB · annual accounts

Founded in 1946

Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.

KBO

Liquidity: current ratio 1.41, cash €108,633

NBB · annual accounts

Size: 7.8 FTE, total assets €2.9m

Companies of this size fail more often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

2025 accounts filed 33 days late

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-09-2026, 33 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.

NBB · 10 filings

Deviation from the deadline

2025

33 days late

2024

97 days late

2023

20 days late

2022

120 days late

2021

6 days early

2020

36 days early

2019

122 days 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 50 days after the deadline; the sector median (NACE 46) for financial year 2024 is 3 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)

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 2 September (4 of the last 5 filed years within 64 days of that day).

Companies Code · seven months

Where today falls in the filing period

24-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

02-09-2026 Annual accounts filedfinancial year 2025 · full…
05-11-2025 Annual accounts filedfinancial year 2024 · abbreviated…
20-08-2024 Annual accounts filedfinancial year 2023 · abbreviated…

Key points

Caution: From profit to loss in 2024after €19,796 in 2023 -€94,094 View
Positive: Oldest company in Lubbeek, Wholesale and retail trade sectorin the Checked rankings No. 1 View
Active since 1946founded 05-11-1946 79 years View

By topic

Financials

Financial year: 2024
Total assets: €2.9m
Loss: -€94,094
Solvency: 32.7%

Total assets▼ 4.7%

Net result

20182024

Go to Financials

Timeline

Events: 53
Since: 1978
Next accounts: by 31-07-2027

31-12-2023Back to profit
28-11-2023Annual accounts filed
31-12-2022Equity above €1m

Go to Timeline

Company details

Sites: 1

Legal form: Public limited company
Activity: Wholesale tradeNACE 46496
Founded: 05-11-1946
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Key facts about Arca

What is the company number of Arca?: 0400.616.829. In Belgium the VAT number is the company number with BE in front: BE 0400.616.829.
Where is Arca based?: The registered office is at Endepoelstraat(LUB) 5, 3210 Lubbeek.Company details
What does Arca do?: According to the KBO register, the main activity is wholesale trade (NACE 46496).
What is the legal form of Arca?: Public limited company (NV).
When was Arca founded?: On 05-11-1946.
Is Arca still active?: Yes, Arca is an active enterprise in the KBO register.
How many employees does Arca have?: On average 7.8 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
What is the turnover of Arca?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is Arca profitable?: In financial year 2024, Arca made a loss of €94,094.
Where can I find the annual accounts of Arca?: Arca filed 49 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Arca due?: By 31-07-2027, for financial year 2026.Timeline