Equity
€171,815 ▲ 8.1%
Arcade has made a profit without a break since 2014.
Arcade
Lifetime
21 annual accounts with figures on one time axis, 46 filings since 1980peak €373,980 (2018)
€317,175▲ 5.5%
lowest -€36,140 (2013)
€12,874▼ 26.1%
peak €171,815 (2025)
€171,815▲ 8.1%
€619,949▲ 6.0%
peak 6.4 FTE (2019)
5.1 FTE▲ 2.0%
Board3 names since 2021
2 directorsPAQUET CHARLOTTE and 1 other
Documentsfilings and deeds
15-09-202646 days late
2025financial year
Result from €17,424 to €12,874Investments €44,437Cash from €48,862 to €11,559
Key points
from the 2025 annual accountsDebts
€619,949 78% of the balance sheet
Financial debts 15%Suppliers 32%Taxes and wages 12%Other 41%
Of this, €550,997 falls due within a year.
Investments
€46,937 2.2 × depreciation
Green is investment, beige is depreciation.
Staff
6 employees on 31-12-2025
In 2025, 4 people joined and 4 left.
Payment terms
32 days to suppliers
Arcade pays its suppliers 7 days later than in 2024. Customers pay 16 days later.
Filings
46 annual accounts since 1980
Ten of the last ten came late. The 2024 accounts came latest: 61 days after the end of the period.
Checked score
54
Fair
Financially stronger than 36% of micro companies in retail trade (NACE 47)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
1.9% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,275 companies (NACE 47, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.4%
01-2025: 0.4%● unchanged vs 12-2024
02-2025: 0.4%● unchanged vs 01-2025
03-2025: 0.4%● unchanged vs 02-2025
04-2025: 0.3%▼ -0.1 percentage points vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025lowest value
06-2025: 0.4%▲ +0.1 percentage points vs 05-2025
07-2025: 0.4%● unchanged vs 06-2025
08-2025: 0.7%▲ +0.3 percentage points vs 07-2025
09-2025: 0.9%▲ +0.2 percentage points vs 08-2025
10-2025: 1.2%▲ +0.3 percentage points vs 09-2025
11-2025: 1.3%▲ +0.1 percentage points vs 10-2025
12-2025: 1.3%● unchanged vs 11-2025
01-2026: 1.3%● unchanged vs 12-2025
02-2026: 1.3%● unchanged vs 01-2026
03-2026: 1.3%● unchanged vs 02-2026
04-2026: 1.3%● unchanged vs 03-2026
05-2026: 1.3%● unchanged vs 04-2026
06-2026: 1.2%▼ -0.1 percentage points vs 05-2026
07-2026: 1.2%● unchanged vs 06-2026
08-2026: 2.2%▲ +1.0 percentage point vs 07-2026
09-2026: 2.6%▲ +0.4 percentage points vs 08-2026highest value
10-2026: 1.9%▼ -0.7 percentage points vs 09-2026
11-2026: 1.9%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Liquidity: current ratio 1.24, cash €11,559, halved
Last filed accounts filed 46 days late; 2 of the last 3 accounts late
Equity €171,815 (21.7% of total assets)
Sector: Retail trade (NACE 47)
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 47, micro). It does better than 37% of them on solvency, 14% on liquidity, 39% on profitability and 53% on growth.
The bankruptcy probability was computed on 09-11-2026 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 moderate class on 30-06-2025, 2.4% 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, 3,984 companies had the same profile as Arcade has now. Each dot stands for 10 companies, two years later.
96.5%
were still trading
2.3%
stopped another way
1.1%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Arcade itself is higher: 1.9% within 12 months. It rests on far more data about Arcade 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 3,984 companies, not a prediction for Arcade. 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
Credit of up to €9,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.24 (1.32 in 2024), below the usual 1.5. Short-term debt is 69.6% and cash 1.5% of total assets. 78.3% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
raises risk
raises risk · 2025 accounts filed 46 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-09-2026, 46 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 filingsDeviation from the deadline
2025
46 days late
2024
61 days late
2023
30 days late
2022
31 days late
2021
29 days late
2020
31 days late
2019
34 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 37 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% 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 31 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0419337532
Legal-form change · Resignations & appointments
Gazette deed
Resignation: KREMER Françoise (manager)
General meeting of 24-02-2028 · Gazette deed
First establishment
Route Nationale 5 191, Charleroi
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Arcade Charleroi | €0.8m | €317,175 | 21.7% | 5.1 |
| ADECOR Fleurus | €1.1m | €360,408 | 22.6% | 5.7 |
| ELECTRO Malmedy | €0.7m | €289,418 | 0.7% | 4.1 |
| KEUKENS GEENS Putte | €0.6m | €354,435 | 85.6% | 5.7 |
| MEUBELS PAUWELS NV Veurne | €0.8m | €487,678 | 63.9% | 5 |
| UNIVERS DU MEUBLE Neupré | €0.7m | €287,468 | 74.6% | 5.4 |
| SLEEP I.D. Aalst | €0.9m | €355,205 | 27.6% | 4.5 |
These companies have the same main activity as Arcade: retail sale of household furniture (NACE 47551). They are comparable in size and age: total assets between €612,000 and €1.1m, founded between 1974 and 1992.
Official details
Source: KBO- Status
- Active since 23-03-1979Normal situation
- Activity
- Retail sale of household furnitureNACE 47551and 1 other
- Joint committee
- 126Furnishing and woodworking · annual accounts 2025
- Establishment unit
- 2.016.088.1846041 Charleroi, since 23-03-1979
- Financial year end
- 31 December
- Peppol
- Reachable since 16-12-2025
Insights on Arcade
Arcade has existed since 1979. The gross margin fell from €155,424 in 2006 to €12,391 in 2007.
The gross margin has grown every year since 2022.
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 Arcade
- What is the company number of Arcade?
- The company number of Arcade is 0419.337.532. The VAT number is the same number with BE in front: BE 0419.337.532.
- Where is Arcade based?
- The registered office is at Route Nationale 5 191, 6041 Charleroi.Company details
- What does Arcade do?
- According to the KBO register, the main activity is retail sale of household furniture (NACE 47551).
- What is the legal form of Arcade?
- Arcade is a private limited company (BV).
- When was Arcade founded?
- Arcade was founded on 23-03-1979.
- Is Arcade still active?
- Yes, Arcade is an active enterprise in the KBO register.
- How many employees does Arcade have?
- Arcade had an average of 5.1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does Arcade fall under?
- In its 2025 annual accounts, Arcade states joint committee 126 (Furnishing and woodworking).
- What is the turnover of Arcade?
- The turnover of Arcade was €2.6m in financial year 2025, according to the filed annual accounts.
- Is Arcade profitable?
- In financial year 2025, Arcade made a profit of €12,874.
- Where can I find the annual accounts of Arcade?
- Arcade filed 46 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Arcade due?
- Arcade must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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