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Arcera

Active
Private limited companyfounded 2025active for 1 yearVierendeelslos 3, 1742 Ternat, BelgiumKBO/BCE: BE 1022.987.635
Summary

Arcera has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €35,904 and a net result of €30,904. Its solvency ranks better than 55% of 9,629 sector peers (NACE 82, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Overview

Activity
Other business support services
NACE 82990
1 site
Size
≈ €110,000turnover 2025, estimated
Staff
≈ 0 FTE, estimated
Equity
€35,904
Profit
€30,904
Turnover estimated from the gross margin
Financial health
96 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Structure
2025 accounts on time
Why 96raises riskFounded in 2025lowers riskLiquidity: current ratio 2.13, cash €42,268Sector: Office administrative, office support and other business support activities (NACE 82)Equity €35,904 (56.2% of total assets)Show the evidence

Checked score

Score 2025
96 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 72% of its sector peers (NACE 82, micro)
Financial strength
Strong
Solvency 81
equity 56.2% of total assets
Liquidity 79
short-term debt 43.8% · cash 66.2%
Profitability 100
return on assets 48.4%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (12,652 companies, NACE 82, micro)
Last 24 months 06-2026: 0.6% 07-2026: 0.6%● unchanged vs 06-2026highest value 08-2026: < 0.1%▼ -0.6 percentage points vs 07-2026lowest value 09-2026: < 0.1%● unchanged vs 08-2026lowest value 10-2026: < 0.1%● unchanged vs 09-2026
Credit of up to €3,000 on 30-day terms is acceptable
Liquidity ample (current ratio 2.13, above the usual 1.5; short-term debt: 43.8% and cash: 66.2% of total assets), and 43.8% 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 82, micro): better than 57% on solvency, 73% on liquidity and 87% on profitability.

The bankruptcy probability was computed on 27-10-2026 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 riskneutral
lowers risk · Liquidity: current ratio 2.13, cash €42,268
NBB · annual accounts
lowers risk · Sector: Office administrative, office support and other business support activities (NACE 82)
KBO
raises risk · Founded in 2025
Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.
KBO
lowers risk · Equity €35,904 (56.2% of total assets)
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
on the day
← before the deadline after the deadline →
Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2025.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. IncorporationAppointment: SOENEN Annabel Hannelore (director)…

Financials · financial year 2025, micro format

Turnover
≈ €110,000
Estimated: probably between €65,000 and €140,000
Total assets
€63,875
Net result
€30,904
Working capital
€31,716

Turnover and EBIT margin not published: the micro format does not require them. The turnover shown is an estimate from the gross margin.

Balance-sheet composition
Assets €63,875
Fixed assets €4,188
Current assets €59,687
Equity and liabilities €63,875
Equity €35,904
Debt €27,971
Debt finances 43.8% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€41,200
Cash flow
€31,169
Current ratio
2.13
Debt to equity
0.78
ROE
86.1%
ROA
48.4%
Interest coverage
41.22
Debt ≤ 1 year
€27,971
Income taxes
€9,032
Staff costs
€25

Peer companies

Historical observation

Of the 11,279 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 96.6% are still going.

  • Micro
  • under 2 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.7% went bankrupt
2.6% stopped otherwise
96.6% still going

For this company itself Checked computes a bankruptcy probability of < 0.1% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 11,279 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 34 lines
Balance sheet Code2025
Assets
Total assets20/58€63,875
Fixed assets21/28€4,188
Tangible fixed assets22/27€4,188
Furniture and vehicles24€4,188
Current assets29/58€59,687
Amounts receivable within one year40/41€16,500
Trade receivables40€16,500
Cash at bank and in hand54/58€42,268
Deferred charges and accrued income490/1€919
Equity and liabilities
Total equity and liabilities10/49€63,875
Equity10/15€35,904
Contributions10/11€5,000
Profit (loss) carried forward14€30,904
Amounts payable17/49€27,971
Amounts payable within one year42/48€27,971
Trade debts44€3,208
Suppliers440/4€3,208
Taxes, remuneration and social security45€17,695
Taxes450/3€17,695
Other amounts payable47/48€7,068
Income statement Code2025
Remuneration, social security and pensions62€25
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€265
Other operating charges640/8€50
Gross operating margin9900€41,275
Operating profit (loss)9901€40,935
Financial income75/76B€0
Recurring financial income75€0
Financial charges65/66B€999
Recurring financial charges65€999
Profit (loss) for the period before taxes9903€39,935
Income taxes67/77€9,032
Profit (loss) for the period9904€30,904
Profit (loss) for the period to be appropriated9905€30,904
Appropriation of the result
Profit (loss) to be appropriated9906€30,904

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Remuneration, social security and pensions62€25
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€265
Other operating charges640/8€50
Gross operating margin9900€41,275
Operating profit (loss)9901€40,935
Financial income75/76B€0
Recurring financial income75€0
Financial charges65/66B€999
Recurring financial charges65€999
Profit (loss) for the period before taxes9903€39,935
Income taxes67/77€9,032
Profit (loss) for the period9904€30,904
Profit (loss) for the period to be appropriated9905€30,904
Line2025
Assets
Total assets20/58€63,875
Fixed assets21/28€4,188
Tangible fixed assets22/27€4,188
Furniture and vehicles24€4,188
Current assets29/58€59,687
Amounts receivable within one year40/41€16,500
Trade receivables40€16,500
Cash at bank and in hand54/58€42,268
Deferred charges and accrued income490/1€919
Equity and liabilities
Total equity and liabilities10/49€63,875
Equity10/15€35,904
Contributions10/11€5,000
Profit (loss) carried forward14€30,904
Amounts payable17/49€27,971
Amounts payable within one year42/48€27,971
Trade debts44€3,208
Suppliers440/4€3,208
Taxes, remuneration and social security45€17,695
Taxes450/3€17,695
Other amounts payable47/48€7,068
Line2025
Profit (loss) for the period9904€30,904
+ Depreciation and write-downs630€265
Operating cash flow (approximation)€31,169

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Filings with the National Bank (1)
Financial year Type Filed Reference
31-12-2025 micro format 31-07-2026 2026-00362132

Similar companies · same sector, comparable size

Of the 24,212 active companies whose main activity is other business support services (NACE 82990), figures are known for 9,701. 6,821 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.

Directors

Directors
1 director, no change since 2025
SOENEN Annabel Hannelore
Director (not named in the articles) · since 09-05-2025
Current
Derived from published Gazette deeds. The KBO keeps the official list of office holders; we do not read it, so the two can differ. See the directors and other office holders in the KBO →

Mandate history

1 person since 2025, 1 in office
Show
  • Board
Mandates per person, with start and end dates
Name Functions and periods
SOENEN Annabel Hannelore
  • Director (not named in the articles), from 09-05-2025 to date
See the board, name and registered office on a given date →

Owners and capital

Capital and shareholders

Shareholders according to the deeds
At incorporation act of 09-05-2025 ↗

The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.

Capital over the years
  1. 09-05-2025 Incorporation · €5,000 · 100 shares
  2. 09-05-2025 Converted to available equity · €5,000

Group and network

Connections & network

1 current director
Depth

The network starts from this company’s directors. Other companies they run appear here as nodes.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.

History

Arcera was incorporated on 5 May 2025 as a private limited company by one natural person, with a starting capital of €5,000.12 Since 2025, SOENEN Annabel Hannelore has served as director of the company.2 The company has filed annual accounts once, for financial year 2025.3

  1. 1KBO register
  2. 2Belgian Official Gazette, 09-05-2025
  3. 3National Bank, annual accounts 2025

Acts, filings and financial milestones

2026
31-07
NBB filing Annual accounts filed
financial year 2025 · micro format
2025
09-05
Gazette deed Incorporation
Appointment: SOENEN Annabel Hannelore (director) · Founder · Founding capital14 facts ▸
  • Incorporation, “Arcera” (deed in Dutch)
  • Founder, SOENEN Annabel Hannelore
  • Founding capital, €5,000
  • Bank account, 5000, “vennootschap in oprichting” (deed in Dutch)
  • Custody of records, “dossier van ondergetekende Notaris, bewijs van deponering” (deed in Dutch)
  • Other provision, 24-04-2025
  • Other provision, “vaststelling statuten, statuten luiden als volgt” (deed in Dutch)
  • Registered office clause, “1742 Ternat, Vierendeelslos 3” (deed in Dutch)
  • Other provision, “website en e-mailadres, geen vastlegging in akte” (deed in Dutch)
  • Board rule, 1
  • Director appointment, SOENEN Annabel Hannelore (director (not named in the articles))
  • Other provision, “bestuursvereisten en JUSTBAN-controle, Centraal Register van Bestuursverboden (JUSTBAN)” (deed in Dutch)
  • +2 further facts in this act
Gazette deedNBB filing
1 of 1 deed read

Register details

Identification
Legal formPrivate limited company
Founded05-05-2025
Financial year end31-12
Activities, NACEBEL 2025
82990Other business support services
82100Office administrative and support services
E-invoicing
Reachable via Peppol
Peppol ID 0208:1022987635
Also 9925:BE1022987635
Registered 19-05-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 28 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.

Sites & property

Location & real-estate footprint
Registered office, Ternat · 1 establishment unit since 2025
registered office establishment The establishment unit on the map
Ground area
1,345 m²
Building footprint
373 m²
Building volume
1,569 m³
Parcel 23071B0537/00M000, Flanders · tallest building 7.6 m. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
Arcera
Vierendeelslos 3, 1742 TernatOther business support services
since 2025unit no. 2.373.783.901
1 parcel
Flanders 1 (100%)
Cadastral parcel Region Area Buildings Height / floors
23071B0537/00M000 Flanders 1,345 m² 1 · 373 m² 7.6 m · 1
How the parcels are linked
Good to know
The parcel matches the address exactly.

Articles of association

What the company does

PurposeThe activities the company may carry out under its articles.
“Het verlenen van bijstand, advies en leiding aan bedrijven, privépersonen en instellingen, voornamelijk doch niet uitsluitend op het vlak…” (deed in Dutch)
17 activities (deed in Dutch)
  1. Het verlenen van bijstand, advies en leiding aan bedrijven, privépersonen en instellingen, voornamelijk doch niet uitsluitend op het vlak van IT, HR, administratie, management, communicatie, marketing, productie en ontwikkeling, processing en het besturen van vennootschapen, dit alles in de meest ruime zin en zonder enige beperking;
  2. Algemene consultancy en administratieve ondersteuning in de meest ruime zin en zonder enige beperking;
  3. Algemene secretariaatswerk in de meest ruime zin en zonder enige beperking;
  4. Het aankopen, verkopen, huren, verhuren, leasen, overdragen of ruilen en beheren en leveren van roerende goederen en onroerende goederen die rechtstreeks of onrechtstreeks met voormelde dienstverlening te maken hebben of die nuttig zijn voor de organisatie, begeleiding en reorganisatie van ondernemingen;
  5. Het voor eigen rekening in België of in het buitenland verwerven, beheren en beleggen van onroerend vermogen en al wat er mee verband houdt zoals het onderhouden, de ontwikkeling, de renovatie, het bouwen en verbouwen, het verhuren en leasen, de huurkoop, de financiële en operationele leasing, sale-and-lease-back, de financiering in het algemeen, evenals het verkavelen, de aankoop en de verkoop van deze goederen;
  6. Het organiseren en het verwerken voor haar huurders van alle administratie in haar ruimste betekenis, voor zover dit rechtstreeks of onrechtstreeks verband houdt met de activiteiten van haar huurders;
  7. In het algemeen zal de vennootschap alle commerciële, industriële, financiële, roerende en onroerende handelingen mogen verrichten in rechtstreeks of onrechtstreeks verband met haar voorwerp, die van aard zijn de verwezenlijking ervan te vergemakkelijken of uit te breiden en die daartoe noodzakelijk zijn, nuttig of zelfs alleen bevorderend zijn;
  8. De vennootschap mag daarenboven belangen nemen hetzij door deelneming, inbreng of op elke andere wijze in alle vennootschappen, ondernemingen, beroepsverenigingen;
  9. Het verwerven, beheren, valoriseren en cederen van alle roerende en onroerende goederen of rechten, onder gelijk welke vorm, zowel in volle eigendom, in naakte eigendom als in vruchtgebruik, zowel in binnen- en buitenland, met uitsluiting van handelingen als vastgoedmakelaar;
  10. Onroerende goederen verwerven, bouwen, opschikken, uitrusten en opbouwen;
  11. Haar onroerende goederen vervreemden met het oog op wederbelegging en opbrengst;
  12. Haar onroerende goederen in hypotheek stellen en al haar goederen in pand stellen en aval verlenen voor alle leningen, kredietopeningen en andere verbintenissen, zowel voor zichzelf als voor alle derden;
  13. De vennootschap werkt zowel voor eigen rekening als voor rekening van derden, zonder dat de hierboven vermelde opsomming beperkend kan worden opgevat;
  14. Zij mag rechtstreeks of onrechtstreeks deelnemen in alle ondernemingen die een gelijkaardig voorwerp nastreven of waarvan het voorwerp in nauw verband staat;
  15. Zij mag tevens de functies van bestuurder of vereffenaar uitoefenen;
  16. Zij mag zich ook borgstellen en alle persoonlijke of zakelijke waarborgen geven ten voordele van ieder persoon of vennootschap, gebonden of niet;
  17. Zij mag haar voorwerp verwezenlijken, zowel in België als in het buitenland, op alle wijzen en manieren die zij het best geschikt acht.

The full purpose is in the deed

DurationHow long the company exists; usually unlimited, so until it is dissolved.
Unlimited
Name clauseThe name the company operates under according to its articles.
Arcera
Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
“Vlaams Gewest, bestuursorgaan kan bij enkel besluit administratieve zetels, agentschappen, werkhuizen, stapelplaatsen en bijkantoren…” (deed in Dutch)

deed of 09-05-2025

Who represents it, and how

Who signsWho may bind the company towards others, for example by signing a contract.
Each director alone
Board ruleHow the board is made up, meets and takes decisions.
“Bestuursorgaan, natuurlijke personen of rechtspersonen, al dan niet aandeelhouder” (deed in Dutch)

deed of 09-05-2025

Capital, shares and profit

Kind of sharesWhich classes of shares exist and what rights each class carries.
“100, gelijk recht in winstverdeling” (deed in Dutch)

deed of 09-05-2025

Meetings and financial year

Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
Third Monday of June at 20:00

deed of 09-05-2025

Oversight and winding up

Statutory auditorA statutory auditor is a registered auditor who checks the accounts; small companies need not have one. According to the deed, the legal criteria do not require one here.
No statutory auditor

deed of 09-05-2025

Other provisionsOther rules from the articles that fall under none of the themes above.

Other provision: “Bevoegdheden van het bestuursorgaan, iedere bestuurder, alleen optredend, mag alle handelingen stellen die nodig of nuttig zijn voor…” (deed in Dutch)
Other provision: “Elektronisch communicatiemiddel ter beschikking gesteld, plaats vergadering” (deed in Dutch)
Other provision: “Bestemming van de winst-reserves, algemene vergadering” (deed in Dutch)
Other provision: “Interimdividend, verminderd met overgedragen verlies of vermeerderd met overgedragen winst” (deed in Dutch)
4 more provisions in the deed, see the deed of 09-05-2025

deed of 09-05-2025