Summary
Conclusion
the dossier summarised in one paragraphARDEOS SRL 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 €1.44M and a net result of €869k. Equity is growing by ~11.3% per year across the filed fiscal years. Its solvency ranks better than 84% of 32 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 7 annual accounts.
Signals
3 signals · with evidenceSignals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Trust signals
3 signalsAdministrative Flags
0 eventsBankruptcy probability (12 mo)
Checked model v1 · free for everyoneThis is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
Financials
Annual accounts & ratios
Source: NBB · 2025How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 89.8% | 45.0% | |
| Net result | €869k | €34k | |
| Equity | €1.44M | €384k | |
| Total assets | €1.60M | €1.22M |
| Fiscal year | 2025 |
|---|---|
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €869k |
| Cash flow | n/a |
| Staff costs | €272k |
| Income taxes | €297k |
| Dividends | €0 |
| Total assets | €1.60M |
| Equity | €1.44M |
| Debt | €163k |
| of which ≤ 1y | €161k |
| of which > 1y | - |
| Working capital | n/a |
| Employees (FTE) | 5.3 |
| 2025 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 89.8% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 54.3% |
| ROE | 60.5% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €1.60M |
| Fixed assets | 21/28 | €14k |
| Intangible fixed assets | 21 | €4k |
| Tangible fixed assets | 22/27 | €10k |
| Current assets | 29/58 | €1.59M |
| Amounts receivable within one year | 40/41 | €80k |
| Investments | 50/53 | €0 |
| Cash & bank | 54/58 | €1.50M |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €1.60M |
| Equity | 10/15 | €1.44M |
| Contributions / capital | 10/11 | €6k |
| Reserves | 13 | €1.43M |
| Accumulated profits (losses) | 14 | €0 |
| Amounts payable | 17/49 | €163k |
| Amounts payable within one year | 42/48 | €161k |
| Trade debts payable within one year | 44 | €63k |
| Income statement | ||
| Gross operating margin | 9900 | €1.43M |
| Operating result | 9901 | €1.15M |
| Financial income | 75 | €19k |
| Financial charges | 65 | €3k |
| Result before taxes | 9903 | €1.17M |
| Income taxes | 67/77 | €297k |
| Net result for the period | 9904 | €869k |
| Result to be appropriated | 9905 | €869k |
Health barometer
FY 2025 · computedDirectors
Directors & mandates
4 directors-
JERONIMOHLegal entityDaily management· perm. rep.: Jérôme HARTOGState Gazette act 26068791 (28-05-2026)Current09-03-2026 → present
-
Current01-01-2026 → present
Historic, not recently confirmed (2)
-
SRL ARDELIONLegal entityDirector· perm. rep.: Marc SALAMEState Gazette act 20307772 (05-02-2020)Not recently confirmedlast confirmed in an act from 2020
-
SRL VERCAEREN CONSULTINGLegal entityDirector· perm. rep.: VERCAERENState Gazette act 20307772 (05-02-2020)Not recently confirmedlast confirmed in an act from 2020
Insolvency mandates
indexingLegal Structure
| NACE primary | Activiteiten van verzekeringsagenten en -makelaars(66220) |
| Legal form | Private limited company(610) |
| Incorporation | 29-12-2010 |
| Status | Active |
| Postal code | 4100 |
Structure & network
Connections & network
1 connected companyLocations & real estate
Establishment units
1 locationReal-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62019A0261/00X005 | Wallonia | 688 m² | 1 · 152 m² | 10.6 m · 3 fl. |
Analysis
Snowflake analysis
financial profile on 5 axesExceptional profile, strong across almost every axis.
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AI due-diligence brief
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Credit advice
verdict per customer and amountSimilar
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Same sector, ranked by comparable sizeCompany registry
Company registry (CBE)
Crossroads Bank| Legal nameFR | ARDEOS SRL |