Arche Consulting
ActiveSummary
Arche Consulting has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €947k and a net result of €405k. Equity is growing by ~5.4% per year across the filed fiscal years. Its solvency ranks better than 35% of 630 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▼-5
Solvency52▼-15
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity tight (current ratio 1.22 against 1.66 in 2024; short-term debt: 70.7% and cash: 15.2% of total assets), and 73.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Sector 74
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
26.9%
Return on assets
11.5%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
34 d early
2023
42 d early
2022
48 d early
2021
13 d early
2020
4 d early
2019
23 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€947k▼ 51.7%
2024 · €1.96M
2018: €1.45M
2019: €1.84M
2020: €1.92M
2021: €2.06M
2022: €2.30M
2023: €2.56M
2024: €1.96M
2018 → 2025
Total assets
€3.51M▼ 25.6%
2024 · €4.72M
2018: €2.30M
2019: €2.62M
2020: €2.81M
2021: €3.13M
2022: €3.82M
2023: €4.11M
2024: €4.72M
2018 → 2025
Net result
€405k▼ 43.5%
2024 · €717k
2018: €448k
2019: €388k
2020: €329k
2021: €552k
2022: €666k
2023: €936k
2024: €717k
2018 → 2025
Working capital
€559k▼ 66.3%
2024 · €1.66M
2018: €1.29M
2019: €1.66M
2020: €1.74M
2021: €1.92M
2022: €2.04M
2023: €2.12M
2024: €1.66M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.06M-€2.30M▲ 11.7%€2.56M▲ 11.4%€1.96M▼ 23.4%€947k▼ 51.7%
Operating result€604k-€769k▲ 27.5%€1.08M▲ 40.7%€824k▼ 23.9%€495k▼ 40.0%
Net result€552k-€666k▲ 20.6%€936k▲ 40.5%€717k▼ 23.4%€405k▼ 43.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 40% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.51M
Fixed assets
€471k ▼ 16.1%
Current assets
€3.04M ▼ 26.8%
Equity and liabilities €3.51M
Equity
€947k ▼ 51.7%
Debt
€2.57M ▼ 7.0%
Debt's share of the balance-sheet total rises from 58.4% to 73.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€653k▼
2024 · €979k
Cash flow
€564k▼
2024 · €872k
Current ratio
1.22▼
2024 · 1.66
Quick ratio
1.18▼
2024 · 1.66
Debt to equity
2.71▲
2024 · 1.41
ROE
42.8%▲
2024 · 36.6%
ROA
11.5%▼
2024 · 15.2%
Interest coverage
165.43▲
2024 · 125.25
Debt ≤ 1 year
€2.48M▼
2024 · €2.50M
Income taxes
€135k▼
2024 · €215k
Staff costs
€3.18M▲
2024 · €2.87M
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 · 2025 against 2024 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€4.72M€3.51M▼
Fixed assets21/28€561k€471k▼
Intangible fixed assets21€282k€230k▼
Tangible fixed assets22/27€228k€187k▼
Land and buildings22€815€358▼
Furniture and vehicles24€117k€91k▼
Other tangible fixed assets26€110k€95k▼
Financial fixed assets28€52k€54k▲
Current assets29/58€4.16M€3.04M▼
Stocks and contracts in progress3-€104k
Contracts in progress37-€104k
Amounts receivable within one year40/41€2.13M€2.26M▲
Trade receivables40€893k€1.36M▲
Other amounts receivable41€1.24M€905k▼
Current investments50/53€500k€79k▼
Cash at bank and in hand54/58€1.48M€535k▼
Deferred charges and accrued income490/1€44k€63k▲
Equity and liabilities
Total equity and liabilities10/49€4.72M€3.51M▼
Equity10/15€1.96M€947k▼
Contributions10/11€138k€138k=
Reserves13€14k€14k=
Distributable reserves133€14k€14k=
Profit (loss) carried forward14€1.81M€794k▼
Amounts payable17/49€2.76M€2.57M▼
Amounts payable within one year42/48€2.50M€2.48M▼
Trade debts44€780k€631k▼
Suppliers440/4€780k€631k▼
Taxes, remuneration and social security45€398k€425k▲
Taxes450/3€122k€114k▼
Remuneration and social security454/9€277k€311k▲
Other amounts payable47/48€1.32M€1.43M▲
Accrued charges and deferred income492/3€257k€83k▼
Income statement
Code20242025
Remuneration, social security and pensions62€2.87M€3.18M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€155k€158k▲
Other operating charges640/8€10k€2k▼
Gross operating margin9900€3.86M€3.83M▼
Operating profit (loss)9901€824k€495k▼
Financial income75/76B€116k€50k▼
Recurring financial income75€116k€50k▼
Financial charges65/66B€8k€4k▼
Recurring financial charges65€8k€4k▼
Profit (loss) for the period before taxes9903€932k€540k▼
Income taxes67/77€215k€135k▼
Profit (loss) for the period9904€717k€405k▼
Profit (loss) for the period to be appropriated9905€717k€405k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3.12M€2.21M▼
Profit (loss) brought forward from the previous period14P€2.41M€1.81M▼
Transfer from equity791/2€0-
Profit to be distributed694/7€1.31M€1.42M▲
Return on contributions (dividend)694€1.23M€1.40M▲
Directors or managers695€0-
Other beneficiaries697€90k€20k▼
Social balance
Average headcount (FTE)908730.631.4▲
The notes to these accounts (18 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 2026, expected by
2026
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €936k ▲40.5%
Operating result €1.08M, net result €936k, both a record.
13-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €2MEq €2.06M ▲7.3%
4 profitable years in a row build equity to €2.06M.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €329k ▼15.3%
Net result drops to €329k, the lowest in the series; recovery starts the following year.
08-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
01-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 1 day late
2018
07-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 7 days late
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 14 acts read
About the unread acts
We know of 14 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
14 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, Gent · 2 establishment units since 2009
Ground area
3,607 m²
Building footprint
1,555 m²
Volume, LiDAR
11,696 m³
2 parcels, Flanders · tallest building 17.8 m, ±4 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
2 establishment units
Arche
since 20092.181.272.553
Arche-Consulting
since 20102.232.036.019
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44074C0536/00L000 | Flanders | 2,857 m² | 1 · 810 m² | 10.6 m · 1 fl. |
| 24502B0318/02R000 | Flanders | 751 m² | 1 · 745 m² | 17.8 m · 4 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 13 entries · 237,467 EUR awarded · 189,832 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 5 | 1,363 EUR | 85,095 EUR |
| 2024 | 4 | 203,069 EUR | 96,702 EUR |
| 2023 | 3 | 30,335 EUR | 5,335 EUR |
| 2022 | 1 | 2,700 EUR | 2,700 EUR |
Schemes
Ontwikkelingsproject
Kmo-groeisubsidie: steun voor groeitrajecten bij kmo's (stopgezet)
Vlaams opleidingsverlof (VOV)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
European Union, budget
2021 to 2023 · 7 entries · 515,066 EUR in total| Year | Entries | awarded |
|---|---|---|
| 2023 | 6 | 499,378 EUR |
| 2021 | 1 | 15,688 EUR |
Projects
INTEGRANO - MULTIDIMENSIONAL INTEGRATED QUANTITATIVE APPROACH TO ASSESS SAFETY AND SUSTAINABILITY OF NANOMATERIALS IN REAL CASE LIFE CYCLE SCENARIOS USING NANOSPECIFIC IMPACT CATEGORIES
ARAGORN - ACHIEVING REMEDIATION AND GOVERNING RESTORATION OF CONTAMINATED SOILS NOW
CHROMIC - EFFICIENT MINERAL PROCESSING AND HYDROMETALLURGICAL RECOVERY OF BY-PRODUCT METALS FROM LOW-GRADE METAL CONTAINING SECONDARY RAW MATERIALS
European research
7 projects · 1,080,879 EUR EU contributionProgrammes
Horizon Europe
Horizon 2020
Seventh Framework Programme
Projects
Multidimensional Integrated Quantitative Approach To Assess Safety And Sustainability Of Nanomaterials In Real Case Life Cycle Scenarios Using Nanospecific Impact Categories
Metal Recovery from Low Grade Ores and Wastes Plus
The FUture of FUlly integrated human exposure assessment of chemicals: Ensuring the long-term viability and technology transfer of the EU-FUNded 2-FUN tools as standardised solution
Achieving Remediation And GOverning Restoration of contaminated soils Now
effiCient mineral processing and Hydrometallurgical RecOvery of by-product Metals from low-grade metal contaIning seCondary raw materials
Show 2 more projects
Lactic acid and biosurfactants sourced from sustainable agricultural and industrial (food) WASTE feedstocks as novel FUNCtional ingredients for consumer products
Quantitative extrapolation in ecotoxicology
Recognitions · licences · registrations
Legal Entity Identifier
9676006JPYEXPL8FTY66
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Of 4,564 companies in sector 74999 we hold annual accounts for 1,936. 917 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
Founded02-07-2009
Fiscal year end31-12
Activities, NACEBEL 2025
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.