Summary
ARCTINOVA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €96,756 and a net result of €25,840. Its solvency ranks better than 68% of 8091 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
30 d late
2024
40 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 35 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€96,756▲ 36.4%
2024 · €70,917
Net result
€25,840▼ 60.8%
2024 · €65,917
Total assets
€136,251▲ 6.7%
2024 · €127,663
Solvency
71.0%▲ 15.5pp
2024 · 55.6%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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
Line20242025
Operating result€85,149-€36,044▼ 57.7%
Net result€65,917within the sector's middle half-€25,840within the sector's middle half▼ 60.8%
Equity€70,917within the sector's middle half-€96,756within the sector's middle half▲ 36.4%
Total assets€127,663within the sector's middle half-€136,251within the sector's middle half▲ 6.7%
Debt€56,746-€39,494▼ 30.4%
Working capital€31,548within the sector's middle half-€75,194within the sector's middle half▲ 138%
Solvency55.6%within the sector's middle half-71.0%within the sector's middle half▲ 15.5pp
Current ratio2.37within the sector's middle half-13.95above the sector's middle half▲ 11.58
Return on assets (ROA)51.6%above the sector's middle half-19.0%within the sector's middle half▼ 32.7pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 58% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €136,251
Fixed assets
€55,249 ▼ 24.4%
Current assets
€81,002 ▲ 48.3%
Equity and liabilities €136,251
Equity
€96,756 ▲ 36.4%
Debt
€39,494 ▼ 30.4%
Debt's share of the balance-sheet total falls from 44.4% to 29.0%. Equity is higher and debt is lower.
Key figures and ratios
ROE
26.7%▼
2024 · 92.9%
Debt ≤ 1 year
€5,807▼
2024 · €23,059
Debt > 1 year
€33,687=
2024 · €33,687
Income taxes
€8,306▼
2024 · €16,616
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €15,269 | €17,880 | ▲ 17.1% |
| Other operating charges640/8 | €743 | €354 | ▼ 52.3% |
| Gross operating margin9900 | €101,160 | €54,278 | ▼ 46.3% |
| Operating profit (loss)9901 | €85,149 | €36,044 | ▼ 57.7% |
| Financial income75/76B | - | €37 | - |
| Recurring financial income75 | - | €37 | - |
| Non-recurring financial income76B | - | €0 | - |
| Financial charges65/66B | €2,616 | €1,936 | ▼ 26.0% |
| Recurring financial charges65 | €2,616 | €1,936 | ▼ 26.0% |
| Profit (loss) for the period before taxes9903 | €82,533 | €34,145 | ▼ 58.6% |
| Income taxes67/77 | €16,616 | €8,306 | ▼ 50.0% |
| Profit (loss) for the period9904 | €65,917 | €25,840 | ▼ 60.8% |
| Profit (loss) for the period to be appropriated9905 | €65,917 | €25,840 | ▼ 60.8% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €127,663 | €136,251 | ▲ 6.7% |
| Fixed assets21/28 | €73,056 | €55,249 | ▼ 24.4% |
| Tangible fixed assets22/27 | €73,056 | €55,249 | ▼ 24.4% |
| Land and buildings22 | €18,341 | €14,470 | ▼ 21.1% |
| Plant, machinery and equipment23 | €1,888 | €1,275 | ▼ 32.5% |
| Furniture and vehicles24 | €52,827 | €39,504 | ▼ 25.2% |
| Current assets29/58 | €54,607 | €81,002 | ▲ 48.3% |
| Amounts receivable within one year40/41 | €17,061 | €24,552 | ▲ 43.9% |
| Trade receivables40 | €17,061 | €14,857 | ▼ 12.9% |
| Other amounts receivable41 | - | €9,694 | - |
| Cash at bank and in hand54/58 | €37,546 | €56,450 | ▲ 50.3% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €127,663 | €136,251 | ▲ 6.7% |
| Equity10/15 | €70,917 | €96,756 | ▲ 36.4% |
| Contributions10/11 | €5,000 | €5,000 | = |
| Reserves13 | €65,917 | €91,756 | ▲ 39.2% |
| Distributable reserves133 | €65,917 | €91,756 | ▲ 39.2% |
| Amounts payable17/49 | €56,746 | €39,494 | ▼ 30.4% |
| Amounts payable after more than one year17 | €33,687 | €33,687 | = |
| Financial debts170/4 | €33,687 | €33,687 | = |
| Amounts payable within one year42/48 | €23,059 | €5,807 | ▼ 74.8% |
| Current portion of amounts payable after more than one year42 | €10,566 | €0 | ▼ 100% |
| Trade debts44 | €3,045 | €0 | ▼ 100% |
| Suppliers440/4 | €3,045 | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | €7,225 | €4,853 | ▼ 32.8% |
| Taxes450/3 | €7,225 | €4,853 | ▼ 32.8% |
| Other amounts payable47/48 | €2,223 | €954 | ▼ 57.1% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €65,917 | €25,840 | ▼ 60.8% |
| + Depreciation and write-downs630 | €15,269 | €17,880 | ▲ 17.1% |
| Operating cash flow (approximation) | €81,186 | €43,720 | ▼ 46.1% |
| Investment in fixed assets (approximation) | - | -€74 | - |
| Change in cash | - | €18,904 | - |
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
2026
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Liquidity times 6current ratio 13.95
Current ratio from 2.37 to 13.95; short-term debt falls from €23,059 to €5,807.
09-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 40 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Oudenaarde · 1 establishment unit since 2023
Ground area
1,366 m²
Building footprint
186 m²
Volume, LiDAR
948 m³
Parcel 45023A1143/00C000, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ARCTINOVA
since 20232.349.645.252
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45023A1143/00C000 | Flanders | 1,366 m² | 1 · 186 m² | 7.4 m · 2 fl. |
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.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 12,246 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
Founded11-08-2023
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
41001General construction of residential buildings
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
73300Public relations and communication consultancy
86951Physiotherapy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0804780393
Also
9925:BE0804780393
Registered
23-09-2026
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.