ARENARIA
ActiveARENARIA 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 €814k and a net result of €61k. Equity is growing by ~91.4% per year across the filed fiscal years. Its solvency ranks better than 84% of 7974 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 23-02-2026, 23 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 · 10 filingsDeviation from the deadline
2025
23 d late
2024
32 d late
2023
13 d early
2022
1 d early
2021
on the day
2020
12 d early
2019
18 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€814k▲ 8.2%
2024 · €753k
2019: €22k
2020: €32k
2021: €61k
2022: €152k
2023: €654k
2024: €753k
2019 → 2025
Net result
€61k▼ 37.5%
2024 · €98k
2019: €113
2020: €10k
2021: €29k
2022: €92k
2023: €502k
2024: €98k
2019 → 2025
Total assets
€940k▲ 4.8%
2024 · €897k
2019: €584k
2020: €731k
2021: €767k
2022: €919k
2023: €1.22M
2024: €897k
2019 → 2025
Solvency
86.6%▲ 2.7pp
2024 · 83.9%
2019: 3.8%
2020: 4.3%
2021: 7.9%
2022: 16.6%
2023: 53.8%
2024: 83.9%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€61k-€152k▲ 151%€654k▲ 330%€753k▲ 15.0%€814k▲ 8.2%
Operating result€43k-€136k▲ 214%€382k▲ 181%€115k▼ 70.0%€65k▼ 43.7%
Net result€29k-€92k▲ 217%€502k▲ 448%€98k▼ 80.4%€61k▼ 37.5%
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 fallen two years in a row; 2025 is 44% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €940k
Fixed assets
€537k▼ 1.3%
Current assets
€403k▲ 14.4%
Equity and liabilities €940k
Equity
€814k▲ 8.2%
Debt
€126k▼ 12.5%
The debt ratio falls from 16.1% to 13.4%: equity grows while debt is paid down.
Key figures and ratios
Solvency
86.6%▲
2024 · 83.9%
ROE
7.5%▼
2024 · 13.1%
ROA
6.5%▼
2024 · 11.0%
Debt
€126k▼
2024 · €144k
Debt ≤ 1 year
€114k▼
2024 · €117k
Debt > 1 year
€12k▼
2024 · €27k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€897k€940k▲
Formation expenses20€0€0=
Fixed assets21/28€545k€537k▼
Tangible fixed assets22/27€32k€25k▼
Furniture and vehicles24€32k€25k▼
Financial fixed assets28€512k€512k=
Current assets29/58€352k€403k▲
Amounts receivable after more than one year29€25k€50k▲
Trade receivables290€25k€50k▲
Amounts receivable within one year40/41€311k€219k▼
Trade receivables40€37k€28k▼
Other amounts receivable41€274k€191k▼
Current investments50/53€4k€4k=
Cash at bank and in hand54/58€11k€29k▲
Deferred charges and accrued income490/1€566€100k▲
Equity and liabilities
Total equity and liabilities10/49€897k€940k▲
Equity10/15€753k€814k▲
Contributions10/11€12k€12k=
Reserves13€642k€642k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€640k€640k=
Profit (loss) carried forward14€98k€160k▲
Amounts payable17/49€144k€126k▼
Amounts payable after more than one year17€27k€12k▼
Financial debts170/4€27k€12k▼
Amounts payable within one year42/48€117k€114k▼
Current portion of amounts payable after more than one year42-€22k
Financial debts43€53k-
Credit institutions430/8€53k-
Trade debts44€51k€90k▲
Suppliers440/4€51k€90k▲
Taxes, remuneration and social security45€13k€2k▼
Taxes450/3€13k€2k▼
Accrued charges and deferred income492/3€132-
Income statement
Code20242025
Non-recurring operating income76A€26k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€7k▲
Other operating charges640/8€783€1k▲
Gross operating margin9900€119k€73k▼
Operating profit (loss)9901€115k€65k▼
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€113k€61k▼
Income taxes67/77€15k-
Profit (loss) for the period9904€98k€61k▼
Profit (loss) for the period to be appropriated9905€98k€61k▼
Appropriation of the result
Profit (loss) to be appropriated9906€98k€160k▲
Profit (loss) brought forward from the previous period14P€0€98k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
23-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 23 days late
2025
04-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 32 days late
2024
30-06
Financial
Liquidity doublescurrent ratio 3.01
Current ratio from 1.25 to 3.01; short-term debt falls from €563k to €117k.
18-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Highest result since 2019net €502k ▲448%
Operating result €382k, net result €502k, both a record.
30-06
Financial
Liquidity doublescurrent ratio 1.25
Current ratio from 0.51 to 1.25; short-term debt falls from €767k to €563k.
30-06
Financial
Equity above €500kEq €654k ▲330%
5 profitable years in a row build equity to €654k.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Equity above €150kEq €152k ▲151%
4 profitable years in a row build equity to €152k.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
19-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
13-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
24-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
12-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
16-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Gent · 1 establishment unit since 2012
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
New-Yorkstraat 49000 GentGround area
106 m²
Building footprint
82 m²
Volume, LiDAR
771 m³
Parcel 44021A3411/00N003, Flanders · tallest building 15.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ARENARIA
since 20122.213.373.516
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44021A3411/00N003 | Flanders | 106 m² | 1 · 82 m² | 15.7 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
INVESTINA
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MAXIME
BE 0453.321.679
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GROUP VANHOUTTE
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MANAGEMENT AND SOFTWARE
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Of 24,636 companies in sector 64210 we hold annual accounts for 19,688. 13,094 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-09-2012
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.