Financials
- Fiscal year
- 2024
- Total assets
- €2.8m
- Profit
- €8,033
- Solvency
- 12.3%
Total assets▲ 7.5%
Net result
20212024
ARCO GROUP
ActiveSummary
The computed 12-month bankruptcy probability of ARCO GROUP is 7.8% (elevated). The 2024 annual accounts show equity of €343,362 and a net result of €8,033. Equity is growing by ~38.6% per year across the filed fiscal years. Its solvency ranks better than 22% of 1295 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
General construction of residential buildings
NACE 41001General construction of buildings NACE 41201
#10 company by total assets in Flémalle, Construction sector1 site
Size
€2.8mtotal assets 2024
- Staff
- 7.8 FTE
- Equity
- €343,362
- Profit
- €8,033
Structure
Accounts 63 d overdue0 of 3 deeds read
Why 33- 1 financial year not filed after the legal deadline; 2 of the last 3 late- Figures for FY 2024 (filed 02-08-2025)- Size: 7.8 FTE, total assets €2.8m- Sector Construction of residential and non-residential buildings (NACE 41)Show the evidence
Checked score
Score 2024
33
/ 100
Weak
Probability in this band: 4.2% to 15.0%
Better than 23% of its sector peers (NACE 41, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2023
Weak
Solvency
37-1
equity 12.3% of total assets
Liquidity
10-6
short-term debt 83.7% · cash 4.6%
Profitability
40-34
return on assets 0.3%
Bankruptcy probability, 12 months
7.8%
Elevated
0%0.5%1.5%4%10%≥ 25%
About 8 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 15 months
08-2025: 5.7%
09-2025: 5.1%▼ -11.9% vs 08-2025lowest value
10-2025: 5.1%● 0.0% vs 09-2025lowest value
11-2025: 5.1%▲ +1.7% vs 10-2025
12-2025: 5.1%● 0.0% vs 11-2025
01-2026: 5.1%▼ -1.0% vs 12-2025
02-2026: 5.1%● 0.0% vs 01-2026
03-2026: 5.6%▲ +9.6% vs 02-2026
04-2026: 5.8%▲ +3.5% vs 03-2026
05-2026: 5.9%▲ +1.3% vs 04-2026
06-2026: 5.8%▼ -1.8% vs 05-2026
07-2026: 6.1%▲ +6.7% vs 06-2026
08-2026: 7.1%▲ +16.3% vs 07-2026
09-2026: 7.3%▲ +1.8% vs 08-2026
10-2026: 7.8%▲ +6.8% vs 09-2026highest value
- 1 financial year not filed after the legal deadline; 2 of the last 3 late raises the probability
- Figures for FY 2024 (filed 02-08-2025) raises the probability
- Size: 7.8 FTE, total assets €2.8m raises the probability for this profile
- Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
Credit up to €11,000 at 30 days only on tighter terms
Liquidity tight (current ratio 1.1 against 1.1 in 2023; short-term debt: 83.7% and cash: 4.6% of total assets), and 87.7% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 41, micro). Better than this share of them on solvency 20%, liquidity 9%, profitability 24%, growth against the median 41%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 1295 sector peers (2024).
NBB · sector comparisonPosition among 1295 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-07-2025, 0 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
on the day
2023
31 d late
2022
31 d late
2021
20 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 21 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
- Annual accounts filedfiscal year 2024 · full…
- Weakest financial yearnet €8,033 ▼93.2%
- Annual accounts filedfiscal year 2023 · full…
Key points
By topic
Timeline
- Events
- 7
- Since
- 2022
- 31-07-2025Annual accounts filed
- 31-12-2024Weakest financial year
- 31-08-2024Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- General construction of residential buildingsNACE 41001
- Founded
- 11-02-2021
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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