ARCLO
ActiveSummary
ARCLO has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €143,404 and a net result of €39,260. Equity is growing by ~8.4% per year across the filed fiscal years. Its solvency ranks better than 34% of 2218 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability77▼-1
Solvency49▲+3
Growth52=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9,000 at 30 days acceptable
Liquidity short (current ratio 1.0 against 1.02 in 2024; short-term debt: 48.1% and cash: 9.7% of total assets), and 75.9% of the assets are financed with debt.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
69 d early
2021
126 d early
2019
21 d early
2018
25 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 40 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 31 October (3 of the last 3 filed years within 69 days of that day).
Companies Code · seven monthsPosition in the running window
31-03-2026 close28-09-2026 today31-10-2026 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€143,404▲ 37.7%
2024 · €104,143
Total assets
€594,550▲ 20.8%
2024 · €491,986
Net result
€39,260▲ 4.8%
2024 · €37,459
Working capital
-€1,374
2024 · €7,188
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20192021202320242025
Operating result€78,228▲ 30.5%€55,731-€1,985-€44,781▲ 2,156%€61,088▲ 36.4%
Net result€54,686▲ 21.5%€47below the sector's middle half--€39,262below the sector's middle half-€37,459within the sector's middle half€39,260within the sector's middle half▲ 4.8%
Equity€105,900▲ 107%€105,946within the sector's middle half-€66,684below the sector's middle half-€104,143within the sector's middle half▲ 56.2%€143,404within the sector's middle half▲ 37.7%
Total assets€510,647▲ 45.1%€839,893within the sector's middle half-€576,648within the sector's middle half-€491,986within the sector's middle half▼ 14.7%€594,550within the sector's middle half▲ 20.8%
Debt€404,747▲ 34.6%€733,946-€509,964-€387,842▼ 23.9%€451,146▲ 16.3%
Working capital-€9,379-€1,139below the sector's middle half-€44,744within the sector's middle half-€7,188below the sector's middle half▼ 83.9%-€1,374below the sector's middle half
Solvency20.7%▲ 6.2pp12.6%below the sector's middle half-11.6%below the sector's middle half-21.2%within the sector's middle half▲ 9.6pp24.1%within the sector's middle half▲ 3.0pp
Current ratio0.97▼ 0.181.00below the sector's middle half-1.13within the sector's middle half-1.02below the sector's middle half▼ 0.111.00below the sector's middle half▼ 0.03
Return on assets (ROA)10.7%▼ 2.1pp0.0%below the sector's middle half--6.8%below the sector's middle half-7.6%within the sector's middle half▲ 14.4pp6.6%within the sector's middle half▼ 1.0pp
Staff (FTE)7.7▲ 37.5%7.1within the sector's middle half-5.8within the sector's middle half-3within the sector's middle half▼ 48.3%2within the sector's middle half▼ 33.3%
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 36% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €594,550
Fixed assets
€310,056 ▲ 112%
Current assets
€284,494 ▼ 17.7%
Equity and liabilities €594,550
Equity
€143,404 ▲ 37.7%
Debt
€451,146 ▲ 16.3%
Debt's share of the balance-sheet total falls from 78.8% to 75.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€105,140▲
2024 · €100,587
Cash flow
€83,312▼
2024 · €93,265
Quick ratio
0.78▲
2024 · 0.74
Debt to equity
3.15▼
2024 · 3.72
ROE
27.4%▼
2024 · 36.0%
Interest coverage
6.02▼
2024 · 12.56
Debt ≤ 1 year
€285,868▼
2024 · €338,403
Debt > 1 year
€165,278▲
2024 · €49,440
Income taxes
€4,600
Staff costs
€125,314▼
2024 · €166,947
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,706 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 96% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.7%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.0% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 6,706 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
| Line | 2019 | 2021 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €529,501 | €166,947 | €125,314 | ▼ 24.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €55,510 | €140,080 | €97,025 | €55,806 | €44,052 | ▼ 21.1% |
| Other operating charges640/8 | - | - | €7,222 | €4,157 | €3,721 | ▼ 10.5% |
| Non-recurring operating charges66A | - | - | €23,319 | - | - | - |
| Gross operating margin9900 | €523,181 | €905,757 | €659,053 | €271,691 | €234,174 | ▼ 13.8% |
| Operating profit (loss)9901 | €78,228 | €55,731 | €1,985 | €44,781 | €61,088 | ▲ 36.4% |
| Financial income75/76B | - | - | €2,718 | €688 | €233 | ▼ 66.2% |
| Recurring financial income75 | €621 | €3,125 | €2,718 | €688 | €233 | ▼ 66.2% |
| Financial charges65/66B | - | - | €43,966 | €8,010 | €17,461 | ▲ 118% |
| Recurring financial charges65 | €10,252 | €58,809 | €43,966 | €8,010 | €17,461 | ▲ 118% |
| Profit (loss) for the period before taxes9903 | €68,597 | €47 | -€39,262 | €37,459 | €43,860 | ▲ 17.1% |
| Income taxes67/77 | €13,911 | €0 | €0 | - | €4,600 | - |
| Profit (loss) for the period9904 | €54,686 | €47 | -€39,262 | €37,459 | €39,260 | ▲ 4.8% |
| Profit (loss) for the period to be appropriated9905 | €54,686 | €47 | -€39,262 | €37,459 | €39,260 | ▲ 4.8% |
| Line | 2019 | 2021 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €510,647 | €839,893 | €576,648 | €491,986 | €594,550 | ▲ 20.8% |
| Fixed assets21/28 | €247,001 | €466,478 | €183,552 | €146,395 | €310,056 | ▲ 112% |
| Intangible fixed assets21 | €333 | - | - | - | - | - |
| Tangible fixed assets22/27 | €242,843 | €460,028 | €177,102 | €143,245 | €306,906 | ▲ 114% |
| Land and buildings22 | - | - | €27,638 | €26,381 | €24,288 | ▼ 7.9% |
| Plant, machinery and equipment23 | - | - | €80,378 | €86,521 | €266,508 | ▲ 208% |
| Furniture and vehicles24 | - | - | €58,691 | €22,179 | €11,666 | ▼ 47.4% |
| Leasing and similar rights25 | - | - | €10,396 | €8,164 | €4,444 | ▼ 45.6% |
| Financial fixed assets28 | €3,825 | €6,450 | €6,450 | €3,150 | €3,150 | = |
| Current assets29/58 | €263,646 | €373,415 | €393,096 | €345,591 | €284,494 | ▼ 17.7% |
| Stocks and contracts in progress3 | €17,715 | €17,715 | €97,078 | €93,726 | €61,699 | ▼ 34.2% |
| Stocks30/36 | - | - | €52,567 | €51,107 | €40,499 | ▼ 20.8% |
| Contracts in progress37 | - | - | €44,511 | €42,619 | €21,200 | ▼ 50.3% |
| Amounts receivable within one year40/41 | €198,986 | €256,668 | €219,040 | €192,950 | €155,094 | ▼ 19.6% |
| Trade receivables40 | - | - | €202,116 | €168,819 | €144,723 | ▼ 14.3% |
| Other amounts receivable41 | - | - | €16,924 | €24,131 | €10,371 | ▼ 57.0% |
| Cash at bank and in hand54/58 | €46,004 | €47,841 | €64,539 | €56,036 | €57,427 | ▲ 2.5% |
| Deferred charges and accrued income490/1 | - | - | €12,439 | €2,879 | €10,274 | ▲ 257% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €510,647 | €839,893 | €576,648 | €491,986 | €594,550 | ▲ 20.8% |
| Equity10/15 | €105,900 | €105,946 | €66,684 | €104,143 | €143,404 | ▲ 37.7% |
| Contributions10/11 | €6,200 | - | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €99,700 | €99,700 | €60,484 | €60,484 | €60,484 | = |
| Non-distributable reserves130/1 | - | - | €0 | - | - | - |
| Reserves not available under the articles1311 | - | - | €0 | - | - | - |
| Tax-exempt reserves132 | - | - | €18,750 | €18,750 | €18,750 | = |
| Distributable reserves133 | - | - | €41,734 | €41,734 | €41,734 | = |
| Profit (loss) carried forward14 | - | €47 | €0 | €37,459 | €76,720 | ▲ 105% |
| Amounts payable17/49 | €404,747 | €733,946 | €509,964 | €387,842 | €451,146 | ▲ 16.3% |
| Amounts payable after more than one year17 | €131,722 | €355,301 | €157,521 | €49,440 | €165,278 | ▲ 234% |
| Financial debts170/4 | - | - | €157,521 | €49,440 | €165,278 | ▲ 234% |
| Amounts payable within one year42/48 | €273,025 | €374,553 | €348,351 | €338,403 | €285,868 | ▼ 15.5% |
| Current portion of amounts payable after more than one year42 | - | - | €102,166 | €112,041 | €69,867 | ▼ 37.6% |
| Financial debts43 | - | - | €125,000 | €125,000 | €125,000 | = |
| Credit institutions430/8 | - | - | €125,000 | €125,000 | €125,000 | = |
| Trade debts44 | €130,221 | €109,656 | €96,372 | €86,059 | €65,632 | ▼ 23.7% |
| Suppliers440/4 | - | - | €96,372 | €86,059 | €65,632 | ▼ 23.7% |
| Taxes, remuneration and social security45 | - | - | €24,214 | €6,119 | €15,982 | ▲ 161% |
| Taxes450/3 | - | - | €2,725 | €1,472 | €5,579 | ▲ 279% |
| Remuneration and social security454/9 | - | - | €21,489 | €4,647 | €10,403 | ▲ 124% |
| Other amounts payable47/48 | - | - | €600 | €9,184 | €9,387 | ▲ 2.2% |
| Accrued charges and deferred income492/3 | - | - | €4,092 | - | - | - |
| Line | 2019 | 2021 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €54,686 | €47 | -€39,262 | €37,459 | €39,260 | ▲ 4.8% |
| + Depreciation and write-downs630 | €55,510 | €140,080 | €97,025 | €55,806 | €44,052 | ▼ 21.1% |
| Operating cash flow (approximation) | €110,196 | €140,127 | €57,763 | €93,265 | €83,312 | ▼ 10.7% |
| Investment in fixed assets (approximation) | - | - | - | -€18,648 | -€207,712 | ▼ 1,014% |
| Change in cash | - | - | - | -€8,503 | €1,392 | ▲ 116% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Back to profitnet €37,459
Net result €37,459 after one loss-making year.
31-03
Financial
Equity above €100,000Eq €104,143 ▲56.2%
Equity rises from €66,684 to €104,143.
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-03
Financial
Weakest financial yearnet -€39,262
Net result drops to -€39,262, the lowest in the series; recovery starts the following year.
2021
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
09-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-09
Financial
Highest result since 2018net €54,686 ▲21.5%
Operating result €78,228, net result €54,686, both a record.
30-09
Financial
Equity above €100,000Eq €105,900 ▲107%
2 profitable years in a row build equity to €105,900.
05-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Wervik · 1 establishment unit since 2017
Ground area
1,301 m²
Building footprint
123 m²
Parcel 33029E0201/00G000, Flanders. Linked by address, not a title deed.
1 establishment unit
ARCLO
since 20172.264.715.022
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33029E0201/00G000 | Flanders | 1,301 m² | 1 · 123 m² | - |
Linked by address, not proof of ownership
Good to know
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
2024 to 2025 · 2 entries · 1,498 EUR awarded · 1,126 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 372 EUR | 0 EUR |
| 2024 | 1 | 1,126 EUR | 1,126 EUR |
Recognitions · licences · registrations
Recognised contractor
4 categoriesARCLO BV#10353
ARCLO BV46047
Dual-learning approval
2 live approvals · 1 endedMetselaar (vwo)
Ruwbouw duaal (so)
Show 1 ended approval
Metselaar (so)
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Of 29,787 companies in sector 41001 we hold annual accounts for 16,052. 12,724 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded02-06-2017
Fiscal year end31-03
Activities, NACEBEL 2025
41001General construction of residential buildings
43120Site preparation
Contact
E-mail
bouwwerken-arclo@hotmail.com
E-mail
bouwwerken@arclo.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0676520263
Registered
27-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.