ARCBELVA
ActiveARCBELVA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. For ARCBELVA, one filing cycle of the annual accounts is missing. The 2024 annual accounts show equity of €1.16M and a net result of €135k. Equity is growing by ~4.7% per year across the filed fiscal years. Its solvency ranks better than 78% of 776 sector peers (fiscal year 2024). The company has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Filing: One filing cycle is missing
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts not filed
The financial year that closed on 30-06-2025 was due at the National Bank by 31-01-2026. Nothing is on record, 231 days later.
NBB · 10 filingsPosition against the passed deadline
30-06-2025 close31-01-2026 deadline19-09-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2024 was due by 31-01-2025 and was filed on 20-12-2024, 42 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not filed
2024
42 d early
2023
327 d late
2021
23 d late
2019
9 d early
2018
14 d late
2017
377 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Equity
€1.16M▲ 3.1%
2023 · €1.13M
2019: €803k
2021: €1.19M
2023: €1.13M
2019 → 2024
Net result
€135k▲ 348%
2023 · €30k
2019: €102k
2021: €322k
2023: €30k
2019 → 2024
Total assets
€1.66M▲ 7.5%
2023 · €1.54M
2019: €1.39M
2021: €1.60M
2023: €1.54M
2019 → 2024
Solvency
70.1%▼ 3.0pp
2023 · 73.1%
2019: 57.6%
2021: 74.2%
2023: 73.1%
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2019202120232024Trend
Turnover€428k-
Equity€803k-€1.19M▲ 48.4%€1.13M▼ 5.4%€1.16M▲ 3.1%
Operating result€196k-€222k▲ 13.3%€53k▼ 76.1%€81k▲ 52.7%
Net result€102k-€322k▲ 216%€30k▼ 90.6%€135k▲ 348%
Result per fiscal year
Operating resultNet result
The operating result rises in 2024; 2024 is 53% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.66M
Fixed assets
€1.30M=
Current assets
€356k▲ 48.4%
Equity and liabilities €1.66M
Equity
€1.16M▲ 3.1%
Debt
€494k▲ 19.5%
The debt ratio rises from 26.9% to 29.9%. Equity and debt are higher.
Key figures and ratios
Solvency
70.1%▼
2023 · 73.1%
ROE
11.7%▲
2023 · 2.7%
ROA
8.2%▲
2023 · 2.0%
Debt
€494k▲
2023 · €414k
Debt ≤ 1 year
€494k▲
2023 · €413k
Income taxes
€31k▲
2023 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.54M€1.66M▲
Fixed assets21/28€1.30M€1.30M=
Financial fixed assets28€1.30M€1.30M=
Current assets29/58€240k€356k▲
Amounts receivable within one year40/41€43k€81k▲
Other amounts receivable41€43k€81k▲
Cash at bank and in hand54/58€92k€276k▲
Deferred charges and accrued income490/1€105k-
Equity and liabilities
Total equity and liabilities10/49€1.54M€1.66M▲
Equity10/15€1.13M€1.16M▲
Contributions10/11€525k€525k=
Capital10€525k€525k=
Issued capital100€600k€600k=
Uncalled capital101€75k€75k=
Reserves13€507k€542k▲
Non-distributable reserves130/1€15k€15k=
Legal reserve130€15k-
Reserves not available under the articles1311-€15k
Distributable reserves133€492k€527k▲
Profit (loss) carried forward14€94k€95k▲
Amounts payable17/49€414k€494k▲
Amounts payable within one year42/48€413k€494k▲
Taxes, remuneration and social security45€119k€154k▲
Taxes450/3€111k€117k▲
Remuneration and social security454/9€9k€37k▲
Other amounts payable47/48€293k€341k▲
Accrued charges and deferred income492/3€960-
Income statement
Code20232024
Goods, raw materials, services and sundry goods60/61€145k-
Other operating charges640/8€3k€3k▼
Gross operating margin9900€56k€84k▲
Operating profit (loss)9901€53k€81k▲
Financial income75/76B€627€103k▲
Recurring financial income75€627€103k▲
Financial charges65/66B€18k€17k▼
Recurring financial charges65€18k€17k▼
Profit (loss) for the period before taxes9903€36k€167k▲
Income taxes67/77€6k€31k▲
Profit (loss) for the period9904€30k€135k▲
Profit (loss) for the period to be appropriated9905€30k€135k▲
Appropriation of the result
Profit (loss) to be appropriated9906€124k€230k▲
Profit (loss) brought forward from the previous period14P€94k€94k▲
Transfer from equity791/2-€100k
Transfer to equity691/2€30k€135k▲
To other reserves6921€30k€135k▲
Profit to be distributed694/7-€100k
Return on contributions (dividend)694-€100k
The notes to these accounts (2 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2024
23-12
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 327 days late
20-12
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
30-06
Financial
Weakest financial yearnet €30k ▼90.6%
Net result drops to €30k, the lowest in the series; recovery starts the following year.
2022
23-02
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 23 days late
2021
30-06
Financial
Highest result since 2019net €322k ▲216%
Operating result €222k, net result €322k, both a record.
30-06
Financial
Equity above €1MEq €1.19M ▲48.4%
2 profitable years in a row build equity to €1.19M.
2020
22-01
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
14-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 14 days late
12-02
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 377 days late
2017
03-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2015
24-12
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
29-05
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 118 days late
2014
04-02
NBB filing
Annual accounts filed
fiscal year 2013 · full schema · 4 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Wavre · 1 establishment unit since 2005
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Avenue des Renoncules 151300 WavreGround area
2,284 m²
Building footprint
320 m²
Volume, LiDAR
1,995 m³
2 parcels, Wallonia · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ARCBELVA
since 20052.144.890.526
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25055A0389/00K002 | Wallonia | 1,680 m² | 1 · 186 m² | 9.1 m · 2 fl. |
| 25091A0697/00A000 | Wallonia | 604 m² | 1 · 133 m² | 9.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
SPB BENELUX
BE 0871.620.818
Antwerpen · Eq €1.16M
Kantoor Els Stremerch
BE 0892.215.995
Sint-Niklaas · Eq €1.15M
La Maison du Prêt
BE 0820.035.327
Charleroi · Eq €1.15M
Ether Energy
BE 0747.877.918
Etterbeek · Eq €1.18M
CHERDON FINANCE
BE 0641.851.275
Ottignies-Louvain-la-Neuve · Eq €1.14M
Of 1,509 companies in sector 66199 we hold annual accounts for 918. 500 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-01-2005
Fiscal year end30-06
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
68121Development of residential building projects
68122Development of non-residential building projects
64200Holdings
64210Activities of holding companies
70111
70112
70200Business and other management consultancy
70220Business consulting
74142
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:vat@skynet.be