ARCADE

Active Risk: not assessed Public limited companyfounded 2008active for 18 yearsRue Porte de Souvré 46, 4600 ViséKBO/BCE: BE 0895.098.182 subsidiary of SOUVRÉ INVEST#3 company by total assets in Visé, Finance and insurance sector

Part of the group SOUVRÉ INVEST 8 companies

See the group

ARCADE

Financial year 2025

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Annual accounts 2025

full format, filed on 25-06-2026, 36 days before the deadline

€1.9m

▼ 10.3%

€8.9m

▼ 10.1%

€312,340

▼ 16.1%

21.5%

unchanged

16.3%

▼ 1.1 percentage points

3.5%

▼ 0.2 percentage points

In the rankings #3 company by total assets in Visé, Finance and insurance sector #3 company by equity in Visé, Finance and insurance sector #9 oldest company in Visé, Finance and insurance sector

Money flows

turnover is 42.9% of income in 2025

Balance sheet

balance sheet total €8.9m on 31-12-2025

What the company ownsHow it is paid for

in €m

in euro

Position in the sector

Compare with sector

21.5%

Higher than 18% of 3,042 companies in 2025.

3.5%

Higher than 61% of 3,034 companies in 2025.

ARCADE Middle half of the sector 80% of the sector Full accounts in financial services (NACE 64)

Net result: middle half · Equity: middle half · Balance sheet total: middle half · Staff: middle half

Staff

€67,940

Staff costs divided by the average number of full-time equivalents.

level

people who joined people who left

In 2025, 1 person joined and 1 left.

Filed annual accounts

as filed with the National Bank, click a year to choose it

Line	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Balance sheet: assets
`20/58`	8.9m	9.9m	9.7m	10.8m	11.0m	9.6m	8.9m	8.6m	6.4m	6.5m	6.6m	6.6m	6.6m	6.7m	6.6m	6.8m	7.3m
`20`	11,727	14,659	17,590	20,522	23,454	26,385	29,317	32,249	35,180	38,112	41,044	43,976	46,907	49,839	52,771	61,836	-
`21/28`	8.7m	9.8m	9.4m	10.6m	10.7m	8.6m	8.7m	8.5m	6.3m	6.4m	6.4m	6.4m	6.3m	6.4m	6.4m	6.6m	7.0m
`22/27`	1.5m	1.7m	1.3m	1.4m	1.5m	893,892	979,046	965,595	1.0m	1.1m	1.2m	1.2m	1.3m	1.3m	1.4m	1.6m	1.1m
`22`	1.4m	1.5m	1.1m	1.2m	1.3m	646,727	687,679	728,770	765,862	806,534	847,206	887,877	928,549	968,135	1.0m	1.1m	996,851
`23`	677	1,192	5,367	2,250	0	0	390	780	1,170	1,560	206	412	618	-	-	-	-
`24`	14,672	23,437	9,238	14,201	16,536	11,584	14,257	7,336	7,463	19,333	26,104	48,074	58,709	76,781	63,556	86,884	114,650
`25`	0	4,080	17,441	12,860	106,597	-	-	-	-	-	-	-	-	-	-	-	-
`26`	71,344	89,181	107,017	124,853	142,689	160,525	178,361	196,197	214,034	231,870	249,706	267,542	285,378	303,214	321,050	376,200	-
`28`	7.2m	8.1m	8.1m	9.2m	9.2m	7.7m	7.7m	7.5m	5.2m	5.2m	5.1m	5.1m	5.0m	5.0m	5.0m	5.0m	5.8m
`280/1`	7.2m	8.1m	8.1m	9.2m	9.2m	-	-	-	-	-	-	-	-	-	5.0m	5.0m	-
`280`	7.2m	8.1m	8.1m	9.2m	9.2m	-	-	-	-	-	-	-	-	-	5.0m	5.0m	-
`29/58`	177,832	158,461	274,759	180,638	205,782	1.0m	159,008	89,551	109,060	98,668	216,351	208,182	298,704	249,420	225,672	210,310	343,400
`40/41`	147,888	118,103	193,717	142,813	171,937	254,824	88,148	81,592	106,603	95,157	201,505	168,690	290,481	186,568	179,953	204,409	298,041
`40`	97,963	81,706	133,257	107,232	96,908	240,510	2,750	53,062	70,557	85,430	119,172	79,767	143,682	87,590	81,137	90,501	119,522
`41`	49,924	36,397	60,460	35,581	75,030	14,314	85,398	28,530	36,046	9,727	82,333	88,923	146,800	98,978	98,816	113,908	178,519
`50/53`	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0
`54/58`	27,740	39,480	80,044	36,246	32,703	16,418	69,668	6,110	2,020	2,637	12,716	35,772	4,881	23,649	45,719	3,324	39,927
`490/1`	2,205	879	998	1,580	1,142	750,645	1,193	1,849	437	874	2,129	3,720	3,341	39,202	0	2,578	5,432
Balance sheet: equity and liabilities
`10/49`	8.9m	9.9m	9.7m	10.8m	11.0m	9.6m	8.9m	8.6m	6.4m	6.5m	6.6m	6.6m	6.6m	6.7m	6.6m	6.8m	7.3m
`10/15`	1.9m	2.1m	2.3m	3.0m	3.0m	2.1m	1.6m	1.2m	1.1m	1.1m	956,382	806,191	813,963	722,254	661,853	262,042	1.1m
`10/11`	1.1m	1.1m	1.1m	1.1m	1.2m	1.1m	1.1m	983,750	983,750	968,750	968,750	968,750	968,750	968,750	968,750	968,750	968,750
`10`	1.1m	1.1m	1.1m	1.1m	1.2m	-	-	-	-	-	-	-	-	-	-	-	-
`100`	1.2m	1.2m	1.2m	1.2m	1.3m	1.3m	1.3m	1.3m	1.3m	1.3m	1.3m	1.3m	1.3m	1.3m	1.3m	1.3m	1.3m
`101`	140,625	140,625	140,625	140,625	140,625	140,625	140,625	266,250	266,250	281,250	281,250	281,250	281,250	281,250	281,250	281,250	281,250
`13`	624,577	154,304	154,304	154,304	161,200	125,000	125,000	125,000	125,000	125,000	125,000	125,000	125,000	125,000	125,000	92,583	92,583
`130/1`	124,304	124,304	124,304	124,304	131,200	125,000	-	-	-	-	-	-	-	-	-	-	-
`130`	124,304	124,304	124,304	124,304	131,200	125,000	125,000	125,000	125,000	125,000	125,000	125,000	125,000	125,000	125,000	92,583	92,583
`132`	500,273	30,000	30,000	30,000	30,000	-	-	-	-	-	-	-	-	-	-	-	-
`14`	193,552	885,112	1.0m	1.8m	1.7m	822,176	395,950	100,943	2,157	-7,130	-137,368	-287,559	-279,787	-371,496	-431,897	-799,291	-
`16`	156,758	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
`168`	156,758	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
`17/49`	6.8m	7.8m	7.4m	7.7m	8.0m	7.6m	7.2m	7.4m	5.3m	5.4m	5.7m	5.8m	5.8m	5.9m	6.0m	6.6m	6.2m
`17`	1.1m	1.6m	1.9m	1.8m	2.0m	1.9m	2.7m	3.3m	685,229	1.2m	1.9m	2.5m	3.2m	3.8m	4.3m	4.9m	4.9m
`170/4`	1.1m	1.6m	1.9m	1.8m	2.0m	1.9m	2.7m	3.3m	685,229	1.2m	1.9m	2.5m	3.2m	3.8m	4.3m	4.9m	4.9m
`173`	1.1m	1.6m	1.9m	1.8m	2.0m	-	-	-	-	-	-	-	-	-	4.1m	4.7m	-
`174`	-	-	-	-	-	-	-	-	-	-	-	-	-	-	189,682	194,000	-
`42/48`	5.7m	6.2m	5.5m	5.9m	6.0m	5.7m	4.5m	4.1m	4.6m	4.2m	3.7m	3.2m	2.6m	2.2m	1.7m	1.7m	1.3m
`42`	167,506	277,149	242,161	511,851	523,741	457,968	451,820	918,279	1.1m	1.0m	694,811	641,826	610,934	630,966	579,838	701,926	410,357
`43`	-	-	-	-	500,000	500,000	500,000	-	-	-	-	-	-	-	0	-	-
`430/8`	-	-	-	-	500,000	500,000	500,000	-	-	-	-	-	-	-	-	-	-
`44`	93,609	67,605	90,875	141,409	85,382	224,893	196,960	137,404	90,451	90,054	119,651	143,665	366,018	202,500	34,591	48,916	219,870
`440/4`	93,609	67,605	90,875	141,409	85,382	224,893	196,960	137,404	90,451	90,054	119,651	143,665	366,018	202,500	34,591	48,916	219,870
`45`	17,487	19,554	21,307	21,945	20,773	886	6,221	2,825	3,776	2,158	3,309	5,086	1,874	0	0	0	0
`450/3`	0	0	2,557	0	886	886	6,221	2,825	3,458	1,997	3,309	5,022	1,874	0	0	0	0
`454/9`	17,487	19,554	18,749	21,945	19,887	0	0	0	318	162	0	65	0	0	0	0	-
`47/48`	5.5m	5.8m	5.2m	5.2m	4.9m	4.5m	3.3m	3.1m	3.4m	3.1m	2.9m	2.4m	1.6m	1.3m	1.0m	934,169	656,320
`492/3`	-	-	-	-	-	0	7,091	-	-	0	-	12,682	14,729	17,117	14,473	20,515	18,121
Income statement
`70/76A`	817,477	846,484	930,734	1.1m	1.2m	-	-	-	-	-	-	-	-	-	959,071	792,652	-
`70`	672,670	756,861	814,922	877,628	1.0m	643,925	683,089	425,868	618,340	643,068	720,772	721,991	887,085	812,480	901,643	775,856	895,022
`74`	131,970	89,623	92,510	195,569	118,617	-	-	-	-	-	-	-	-	-	-	-	-
`76A`	12,836	-	23,303	-	15,249	-	-	-	11,138	-	-	-	-	-	0	-	-
`9900`	-	-	-	-	-	379,184	217,553	-17,228	279,062	344,102	285,797	296,312	435,338	351,112	-	-	203,984
`60/66A`	913,439	865,911	832,118	1.1m	877,442	-	-	-	-	-	-	-	-	-	530,192	549,923	-
`60/61`	-	-	-	-	-	361,542	547,656	516,301	445,567	400,693	434,975	425,679	451,747	461,368	-	-	691,038
`60`	90,485	100,361	101,889	95,139	163,442	-	-	-	-	-	-	-	-	-	-	-	-
`600/8`	90,485	100,361	101,889	95,139	163,442	-	-	-	-	-	-	-	-	-	-	-	-
`61`	478,152	483,253	453,646	623,538	394,812	-	-	-	-	-	-	-	-	-	435,019	449,149	-
`62`	190,233	152,246	155,463	176,438	162,025	13,221	33,649	29,202	32,061	41,462	0	37,082	40,039	40,389	0	0	0
`630`	125,946	117,374	107,986	132,953	131,910	89,607	84,278	91,784	93,133	110,828	103,278	81,688	92,857	98,590	90,166	96,011	50,195
`640/8`	22,643	11,021	11,682	9,815	24,344	8,829	14,561	12,092	13,943	14,168	16,520	11,522	9,186	20,142	5,007	4,763	9,238
`66A`	5,980	1,656	1,453	31,165	909	398	1,214	1,091	300	2,700	995	889	1,165	1,102	1,859	963,974	188
`9901`	-95,962	-19,426	98,617	4,149	306,348	267,128	83,851	-151,397	139,625	174,944	165,999	166,020	293,256	191,991	428,879	242,728	144,552
`75/76B`	752,338	500,001	850,093	678,950	850,119	922,500	350,204	351,053	120,984	100,013	154,456	50,178	39,345	140,912	285,351	269,402	491,229
`75`	752,338	500,001	850,093	678,950	850,119	922,500	350,204	351,053	120,984	100,013	154,456	50,178	39,345	140,912	285,351	269,402	491,229
`750`	750,249	500,001	850,089	678,950	850,119	-	-	-	-	-	-	-	-	-	285,000	220,000	-
`751`	-	-	-	-	-	-	-	-	-	-	-	-	-	-	105	369	-
`752/9`	2,089	-	4	-	-	-	-	-	-	-	-	-	-	-	246	49,033	-
`65/66B`	340,409	105,008	1.2m	114,163	290,579	100,516	135,651	98,149	112,874	140,192	169,107	219,889	232,782	268,397	311,976	347,392	541,557
`65`	114,703	105,008	123,245	114,163	290,579	100,516	135,651	98,149	112,874	140,192	169,107	219,889	232,782	268,397	311,976	347,392	541,557
`650`	111,949	102,153	101,785	97,387	106,187	-	-	-	-	-	-	-	-	-	306,904	344,628	-
`652/9`	2,754	2,855	21,460	16,776	184,392	-	-	-	-	-	-	-	-	-	5,073	2,764	-
`66B`	225,706	-	1.1m	-	-	-	-	-	-	-	-	-	-	-	-	-	-
`9903`	315,967	375,567	-263,427	568,935	865,888	1.1m	298,404	101,507	147,735	134,765	150,354	-4,580	98,654	63,404	400,394	-799,236	94,037
`67/77`	3,628	3,475	-890	7,647	32,865	886	3,397	2,721	1,461	4,528	162	3,192	5,745	3,002	583	55	1,454
`670/3`	21,840	21,213	2,557	26,894	40,000	-	-	-	-	-	-	-	-	-	2,037	55	-
`77`	18,212	17,738	3,447	19,247	7,135	-	-	-	-	-	-	-	-	-	1,454	-	-
`9904`	312,340	372,092	-262,537	561,288	833,023	1.1m	295,007	98,786	146,274	130,237	150,191	-7,772	92,909	60,401	399,811	-799,291	92,583
`689`	479,900	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
`9905`	-167,560	372,092	-262,537	561,288	833,023	1.1m	295,007	98,786	146,274	130,237	150,191	-7,772	92,909	60,401	399,811	-799,291	92,583
Appropriation of the result
`9906`	717,552	1.4m	1.5m	2.2m	2.2m	1.5m	395,950	100,943	139,143	-7,130	-137,368	-287,559	-279,787	-371,496	-399,480	-799,291	92,583
`14P`	885,112	1.0m	1.8m	1.7m	1.4m	-	-	-	-	-	-	-	-	-	-	-	-
`691/2`	-	-	-	-	-	-	-	-	-	-	-	-	-	-	32,417	-	92,583
`6920`	-	-	-	-	-	-	-	-	-	-	-	-	-	-	32,417	-	92,583
`694/7`	524,000	536,500	464,000	440,500	584,500	662,000	-	-	136,986	-	-	-	-	-	-	-	-
`694`	524,000	536,500	464,000	440,500	584,500	662,000	-	-	136,986	-	-	-	-	-	-	-	-
Social balance sheet
`9087`	2.8	2.1	2.2	2.2	3	-	-	-	-	-	-	-	-	-	-	-	-
Women (FTE)`1003`	2.4	2	2.1	2.1	2.9	-	-	-	-	-	-	-	-	-	-	-	-
Hours worked`1013`	4,438	3,551	3,671	4,169	5,182	-	-	-	-	-	-	-	-	-	-	-	-
Document	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF

The notes to these accounts have 61 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 25-06-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank

Financial year	Type	Filed	Reference	Document
31-12-2025	full format	25-06-2026	2026-00204432	PDF
31-12-2024	full format	04-07-2025	2025-00238339	PDF
31-12-2023	full format	28-06-2024	2024-00198467	PDF
31-12-2022	full format	30-06-2023	2023-00198081	PDF
31-12-2021	full format	30-06-2022	2022-20126917	PDF
31-12-2020	full format	21-06-2021	2021-22400234	PDF
31-12-2019	full format	08-07-2020	2020-27800159	PDF
31-12-2018	full format	18-06-2019	2019-19600410	PDF
31-12-2017	full format	14-06-2018	2018-19100026	PDF
31-12-2016	full format	19-06-2017	2017-19100098	PDF
31-12-2015	full format	12-07-2016	2016-30500504	PDF
31-12-2014	full format	30-07-2015	2015-37300343	PDF
31-12-2013	full format	08-07-2014	2014-28600410	PDF
31-12-2012	full format	08-08-2013	2013-41200345	PDF
31-12-2011	full format	01-03-2013	2013-05500265	PDF
31-12-2010	consolidated	28-03-2012	2012-07400577	PDF
31-12-2010	full format	29-08-2011	2011-46900422	PDF
31-12-2009	consolidated	27-01-2011	2011-01900182	PDF
31-12-2009	full format	31-08-2010	2010-50200129	PDF

Key figures and ratios

per financial year, computed from the annual accounts

2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
0	496,986	4,260	6,923	724,996	1,522	263,238	2.3m	0	92,419	137,032	129,409	14,224	103,024	25,621	740,235	7.0m
-11,740	-40,564	43,798	3,543	16,285	-53,250	63,557	4,090	-617	-10,079	-23,056	30,891	-18,768	-22,070	42,395	-36,603	-
-14.3%	-2.6%	12.1%	0.5%	29.2%	41.5%	12.3%	-35.6%	22.6%	27.2%	23.0%	23.0%	33.1%	23.6%	47.6%	31.3%	16.2%
21.5%	21.6%	23.8%	28.2%	27.2%	21.4%	18.4%	14.0%	17.3%	16.7%	14.4%	12.2%	12.3%	10.8%	10.0%	3.8%	14.5%
16.3%	17.4%	-11.4%	18.5%	27.9%	52.9%	18.1%	8.2%	13.2%	12.0%	15.7%	-1.0%	11.4%	8.4%	60.4%	-305.0%	8.7%
3.5%	3.7%	-2.7%	5.2%	7.6%	11.3%	3.3%	1.1%	2.3%	2.0%	2.3%	-0.1%	1.4%	0.9%	6.0%	-11.7%	1.3%

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Revenue breakdown

as filed

By activity 2023

Prestations €670,99582.3%
Autres €143,92717.7%

Total €814,922

Source: 2023 accounts, page 25, filing 2024-00198467

All years (2020 to 2023)

By activity	2020	2021	2022	2023
Prestations	€602,697	€747,827	€753,317	€670,995
Autres	€41,228	€302,096	€124,311	€143,927
Total	€643,925	€1,049,924	€877,628	€814,922

Social balance sheet

Item	31-12-2025	31-12-2024	31-12-2023	31-12-2022	31-12-2021
Employees at the balance-sheet date	3	3	2	3	5
full-time	2	3	2	2	3
part-time	1	-	-	1	2
in full-time equivalents	2.8	3	2	2.1	3.4
	2.4	2	2.1	2.1	2.9
On a permanent contract	3	2	2	3	4
Joined	1	1	0	0	2
Left	1	1	1	1	0
Training hours	-	-	40	-	-

Source: social balance sheet in the 2021 to 2025 annual accounts

Securities and guarantees

on own assets and for others

Item	2025	2024	2023	2022	2021
Debts guaranteed by Belgian public bodies	-	-	-	€0	-
Mortgages, amount registered	€1.8m	€1.8m	€1.5m	-	-
Carrying value of the mortgaged assets	€1.4m	€1.5m	€1.1m	-	-

Source: notes to the 2021 to 2025 annual accounts (statement of debts and off-balance-sheet rights and commitments)

Investments

fixed assets acquired

Item	2025	2024	2023	2022	2021
Tangible fixed assets	€0	€496,986	€4,260	€6,923	€724,996
	€125,946	€117,374	€107,986	€132,953	€131,910

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on ARCADE

The operating result for 2025 is a loss of €95,962, larger than the loss of €19,426 in 2024. It is the lowest result since 2018.

Debt's share of the balance-sheet total falls from 78.4% to 76.7%. Equity and debt are lower.

Large changes and their cause

2021 Turnover +63% on 2020. Merger absorbing G.T.M., Official Gazette 09-11-2021.

Next steps

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Annual accounts 2025

Money flows

Balance sheet

Change in equityin €m

Change in cashin euro

Position in the sector

Solvency21.5%

Return on assets3.5%

Staff

Staff cost per FTE€67,940

Joined and leftlevel

Filed annual accounts

Filings

Key figures and ratios

Revenue breakdown

By activity 2023

Social balance sheet

Securities and guarantees

Investments

Insights on ARCADE

Next steps

in €m

in euro

21.5%

3.5%

€67,940

level