Summary
Arceca is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €2.15M and a net result of €39k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 91% of 113 sector peers (fiscal year 2026). The company has been active since 2008 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.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 14-09-2026, 47 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
47 d early
2025
63 d early
2024
24 d early
2023
40 d early
2022
54 d early
2021
158 d early
2020
65 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€2.15M▼ 0.6%
2025 · €2.16M
2019: €2.13M
2020: €2.16M
2021: €2.17M
2022: €2.19M
2023: €2.16M
2024: €2.16M
2025: €2.16M
2019 → 2026
Net result
€39k▲ 57.6%
2025 · €25k
2019: €47k
2020: €48k
2021: €14k
2022: €12k
2023: €8k
2024: €5k
2025: €25k
2019 → 2026
Total assets
€2.18M▼ 0.3%
2025 · €2.18M
2019: €2.18M
2020: €2.20M
2021: €2.19M
2022: €2.20M
2023: €2.18M
2024: €2.17M
2025: €2.18M
2019 → 2026
Solvency
98.6%▼ 0.4pp
2025 · 99.0%
2019: 97.7%
2020: 98.3%
2021: 99.1%
2022: 99.4%
2023: 99.2%
2024: 99.4%
2025: 99.0%
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€2.19M-€2.16M▼ 1.1%€2.16M▼ 0.2%€2.16M▲ 0.2%€2.15M▼ 0.6%
Operating result€23k-€16k▼ 28.0%€13k▼ 20.2%€42k▲ 221%€57k▲ 36.1%
Net result€12k-€8k▼ 29.1%€5k▼ 35.0%€25k▲ 352%€39k▲ 57.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2024 the operating result has climbed two years in a row; 2026 is 36% above 2025 and is the highest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €2.18M
Fixed assets
€2.06M =
Current assets
€120k ▼ 4.6%
Equity and liabilities €2.18M
Equity
€2.15M ▼ 0.6%
Debt
€30k ▲ 34.4%
Debt's share of the balance-sheet total rises from 1.0% to 1.4%. Equity is lower and debt is higher.
Key figures and ratios
ROE
1.8%▲
2025 · 1.1%
ROA
1.8%▲
2025 · 1.1%
Debt ≤ 1 year
€30k▲
2025 · €22k
Income taxes
€18k▲
2025 · €18k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2026 against 2025 · 42 lines
Balance sheet
Code20252026
Assets
Total assets20/58€2.18M€2.18M▼
Fixed assets21/28€2.06M€2.06M=
Tangible fixed assets22/27€2k€2k▼
Land and buildings22€2k€2k▼
Furniture and vehicles24€257-
Financial fixed assets28€2.06M€2.06M=
Current assets29/58€126k€120k▼
Amounts receivable within one year40/41€7k€2k▼
Trade receivables40€6k€827▼
Other amounts receivable41€15€1k▲
Cash at bank and in hand54/58€112k€115k▲
Deferred charges and accrued income490/1€7k€3k▼
Equity and liabilities
Total equity and liabilities10/49€2.18M€2.18M▼
Equity10/15€2.16M€2.15M▼
Contributions10/11€2.06M€2.06M=
Reserves13€106k€92k▼
Distributable reserves133€106k€92k▼
Amounts payable17/49€22k€30k▲
Amounts payable within one year42/48€22k€30k▲
Trade debts44€7k€16k▲
Suppliers440/4€7k€16k▲
Taxes, remuneration and social security45€10k€14k▲
Taxes450/3€10k€14k▲
Other amounts payable47/48€5k€184▼
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€614▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€47k€59k▲
Operating profit (loss)9901€42k€57k▲
Financial income75/76B€754€403▼
Recurring financial income75€754€403▼
Financial charges65/66B€244€364▲
Recurring financial charges65€244€364▲
Profit (loss) for the period before taxes9903€42k€57k▲
Income taxes67/77€18k€18k▲
Profit (loss) for the period9904€25k€39k▲
Profit (loss) for the period to be appropriated9905€25k€39k▲
Appropriation of the result
Profit (loss) to be appropriated9906€25k€39k▲
Transfer from equity791/2€22k€53k▲
Transfer to equity691/2€25k€39k▲
To other reserves6921€25k€39k▲
Profit to be distributed694/7€22k€53k▲
Return on contributions (dividend)694€22k€53k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2027, expected by
2026
14-09
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
07-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Weakest financial yearnet €5k ▼35%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
2023
21-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
07-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
26-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Highest result since 2019net €48k ▲3.5%
Net result €48k, the highest in the series.
2019
16-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
09-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Heuvelland · 1 establishment unit since 2008
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.
Klaverhulleweg(Wijtsch) 18953 HeuvellandGround area
2,626 m²
Building footprint
235 m²
Volume, LiDAR
1,158 m³
Parcel 33032E0733/00G000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ARCECA
since 20082.173.825.131
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33032E0733/00G000 | Flanders | 2,626 m² | 1 · 235 m² | 8.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 878 EUR awarded · 878 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 878 EUR | 878 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 10,702 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-09-2008
Fiscal year end31-03
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.