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ArCo

Active
Private limited companyfounded 2025active for 1 yearKapellebaan 22, 2590 Berlaar, BelgiumKBO/BCE: BE 1023.330.994
Summary

The computed 12-month bankruptcy probability of ArCo is 2.4% (moderate). The 2025 annual accounts show equity of €8,862 and a net result of €5,862. Its solvency ranks better than 15% of 34,972 sector peers (NACE 43, financial year 2025). The company has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 14-05-2025 Normal situation
Activity
Roofing work NACE 43410and 2 others
Establishment unit
2.373.952.957 2590 Berlaar, since 14-05-2025
Financial year end
31 December
Peppol
Reachable since 04-11-2025

Board and ownership

Board
Shareholders
  • Arne ARRASdeed of 16-05-2025
  • Lowie COOLSdeed of 16-05-2025

Financial position

51 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
2.4%
Annual accounts 2025
Gross margin
€8,933
Turnover
≈ €100,000
estimated
Profit
€5,862
Equity
€8,862
Total assets
€79,806
  • 2025 accounts filed 31 days after the deadline
Score breakdownraises riskFounded in 2025Last filed accounts filed 31 days late; 1 of the last 3 accounts lateEquity €8,862 (11.1% of total assets)lowers riskLiquidity: current ratio 0.98, cash €15,445Show the evidence

Checked score

Score 2025
51 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 28% of micro companies in specialised construction (NACE 43)
Financial strength
Average
Solvency 36
equity 11.1% of total assets
Liquidity 25
short-term debt 88.9% · cash 19.4%
Profitability 78
return on assets 7.3%
Bankruptcy probability within 12 months
2.4% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,685 companies, NACE 43, micro)
Last 24 months 06-2026: 1.9%lowest value 07-2026: 1.9%● unchanged vs 06-2026 08-2026: 2.0%▲ +0.1 percentage points vs 07-2026 09-2026: 2.3%▲ +0.3 percentage points vs 08-2026 10-2026: 2.4%▲ +0.1 percentage points vs 09-2026highest value 11-2026: 2.4%● unchanged vs 10-2026highest value
Calculation

The band follows from the bankruptcy probability. 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 43, micro). It does better than 15% of them on solvency, 14% on liquidity and 55% on profitability.

The bankruptcy probability was computed on 04-11-2026 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.

The probability rests on the annual accounts with balance sheet date 31-12-2025.

Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises risk
raises risk · Founded in 2025
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Last filed accounts filed 31 days late; 1 of the last 3 accounts late
NBB · filings
lowers risk · Liquidity: current ratio 0.98, cash €15,445
NBB · annual accounts
raises risk · Equity €8,862 (11.1% of total assets)
NBB · annual accounts
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 34972 sector peers (2025).
NBB · sector comparison
Position among 34972 sector peers
Solvency
better than 15%
← weakest strongest →
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filing
Deviation from the deadline
2025
31 days late
← before the deadline after the deadline →
Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since incorporation in 2025.
KBO publications

Key points

  • Caution: Lower solvency than 85% of companies in specialised constructionsector median 46.7% · 34,972 companies 11.1% View

Recent changes

  1. · Gazette deed IncorporationFounding capital of €3,000 · Founders: Arne ARRAS (founder and shareholder) and Lowie COOLS (founder and shareholder) · Appointments: Arne ARRAS (director) and Lowie COOLS (director)
All 2 events

Comparable companies

These companies have the same main activity as ArCo: roofing work (NACE 43410). They are comparable in size and age: total assets between €52,800 and €104,000, founded between 2024 and 2025.

CompanyTotal assetsGross margin
ArCo Berlaar€79,806€8,933
KZN Projects Zedelgem€85,575€10,679
SeCra Construct Haacht€68,148€10,468
Dercon Algemene Dak- en Timmerwerken Herentals€104,252€13,420
BGR Concept Sint-Pieters-Leeuw€52,808€8,098
SIMTOITURE Sint-Pieters-Leeuw€65,905€8,408
S.K Réseaux La Louvière€58,742€11,316
Full comparison

Key facts about ArCo

What is the company number of ArCo?
The company number of ArCo is 1023.330.994. The VAT number is the same number with BE in front: BE 1023.330.994.
Where is ArCo based?
The registered office is at Kapellebaan 22, 2590 Berlaar.Company details
What does ArCo do?
According to the KBO register, the main activity is roofing work (NACE 43410).
What is the legal form of ArCo?
ArCo is a private limited company (BV).
When was ArCo founded?
ArCo was founded on 14-05-2025.
Is ArCo still active?
Yes, ArCo is an active enterprise in the KBO register.
What is the turnover of ArCo?
The turnover in financial year 2025 is ≈ €100,000. This figure is estimated from the gross margin of €8,933 and 31 comparable companies (NACE 43410). It probably lies between €58,000 and €170,000. It is a rough estimate.Financials
Is ArCo profitable?
In financial year 2025, ArCo made a profit of €5,862.
Where can I find the annual accounts of ArCo?
ArCo filed 1 annual account with the National Bank of Belgium, for financial year 2025.

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