ARESBI
ActiveSummary
ARESBI has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €92,977 and a net result of €91,977. Equity is growing by ~5.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 32023 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8,000 at 30 days acceptable
cash: 90.8% of total assets, and 0% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
100%
Return on assets
98.9%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-03-2026, 130 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
130 d early
2024
121 d early
2023
63 d early
2022
61 d early
2021
48 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 85 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% 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. Usually files around 30 May (4 of the last 5 filed years within 59 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€92,977▼ 2.4%
2024 · €95,252
Total assets
€92,977▼ 25.6%
2024 · €125,004
Net result
€91,977▼ 2.4%
2024 · €94,252
Working capital
€95,252▼ 55.1%
2023 · €212,338
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, 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
Line20212022202320242025
Operating result€57,559-€69,757▲ 21.2%€79,684▲ 14.2%€115,717▲ 45.2%€123,452▲ 6.7%
Net result€44,472within the sector's middle half-€53,755within the sector's middle half▲ 20.9%€64,710above the sector's middle half▲ 20.4%€94,252above the sector's middle half▲ 45.7%€91,977above the sector's middle half▼ 2.4%
Equity€44,672within the sector's middle half-€97,627within the sector's middle half▲ 119%€162,338within the sector's middle half▲ 66.3%€95,252within the sector's middle half▼ 41.3%€92,977within the sector's middle half▼ 2.4%
Total assets€107,383within the sector's middle half-€162,928within the sector's middle half▲ 51.7%€243,210within the sector's middle half▲ 49.3%€125,004within the sector's middle half▼ 48.6%€92,977within the sector's middle half▼ 25.6%
Debt€62,711-€65,301▲ 4.1%€80,872▲ 23.8%€29,752▼ 63.2%
Working capital€94,672within the sector's middle half-€147,627above the sector's middle half▲ 55.9%€212,338above the sector's middle half▲ 43.8%€95,252within the sector's middle half▼ 55.1%
Solvency41.6%within the sector's middle half-59.9%within the sector's middle half▲ 18.3pp66.7%within the sector's middle half▲ 6.8pp76.2%within the sector's middle half▲ 9.5pp100.0%above the sector's middle half▲ 23.8pp
Current ratio8.45above the sector's middle half-10.65above the sector's middle half▲ 2.207.88above the sector's middle half▼ 2.774.20within the sector's middle half▼ 3.68
Return on assets (ROA)41.4%above the sector's middle half-33.0%above the sector's middle half▼ 8.4pp26.6%within the sector's middle half▼ 6.4pp75.4%above the sector's middle half▲ 48.8pp98.9%above the sector's middle half▲ 23.5pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, 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 has risen four years in a row; 2025 is 7% above 2024 and is the highest result in the available series.
Balance-sheet composition
Assets €92,977
Fixed assets
€5,141
Current assets
€87,836
Key figures and ratios
EBITDA
€124,636
Cash flow
€93,161
ROE
98.9%=
2024 · 99.0%
Interest coverage
166.44
Income taxes
€32,160▲
2024 · €26,463
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,975 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | - | - | €1,184 | - |
| Other operating charges640/8 | €155 | €141 | €100 | €100 | €385 | ▲ 285% |
| Non-recurring operating charges66A | - | €0 | €105 | €90 | - | - |
| Gross operating margin9900 | €57,714 | €69,899 | €79,889 | €115,907 | €125,022 | ▲ 7.9% |
| Operating profit (loss)9901 | €57,559 | €69,757 | €79,684 | €115,717 | €123,452 | ▲ 6.7% |
| Financial income75/76B | - | - | €3,875 | €6,230 | €1,433 | ▼ 77.0% |
| Recurring financial income75 | - | - | €3,875 | €6,230 | €1,433 | ▼ 77.0% |
| Financial charges65/66B | €1,271 | €1,596 | €1,315 | €1,232 | €749 | ▼ 39.2% |
| Recurring financial charges65 | €1,271 | €1,596 | €1,315 | €1,232 | €749 | ▼ 39.2% |
| Profit (loss) for the period before taxes9903 | €56,288 | €68,161 | €82,244 | €120,715 | €124,137 | ▲ 2.8% |
| Income taxes67/77 | €11,816 | €14,406 | €17,534 | €26,463 | €32,160 | ▲ 21.5% |
| Profit (loss) for the period9904 | €44,472 | €53,755 | €64,710 | €94,252 | €91,977 | ▼ 2.4% |
| Profit (loss) for the period to be appropriated9905 | €44,472 | €53,755 | €64,710 | €94,252 | €91,977 | ▼ 2.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €107,383 | €162,928 | €243,210 | €125,004 | €92,977 | ▼ 25.6% |
| Fixed assets21/28 | - | - | - | - | €5,141 | - |
| Tangible fixed assets22/27 | - | - | - | - | €5,141 | - |
| Furniture and vehicles24 | - | - | - | - | €5,141 | - |
| Current assets29/58 | €107,383 | €162,928 | €243,210 | €125,004 | €87,836 | ▼ 29.7% |
| Amounts receivable within one year40/41 | €3,630 | €2,299 | €3,630 | €7,001 | €3,121 | ▼ 55.4% |
| Trade receivables40 | €3,630 | €2,299 | €3,630 | €5,633 | €3,055 | ▼ 45.8% |
| Other amounts receivable41 | - | - | - | €1,369 | €66 | ▼ 95.2% |
| Current investments50/53 | - | €150,000 | €237,000 | €116,500 | - | - |
| Cash at bank and in hand54/58 | €103,753 | €10,629 | €2,580 | €826 | €84,451 | ▲ 10,129% |
| Deferred charges and accrued income490/1 | - | - | - | €677 | €264 | ▼ 61.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €107,383 | €162,928 | €243,210 | €125,004 | €92,977 | ▼ 25.6% |
| Equity10/15 | €44,672 | €97,627 | €162,338 | €95,252 | €92,977 | ▼ 2.4% |
| Contributions10/11 | €1,000 | €1,000 | €1,000 | €1,000 | €1,000 | = |
| Profit (loss) carried forward14 | €43,672 | €96,627 | €161,338 | €94,252 | €91,977 | ▼ 2.4% |
| Amounts payable17/49 | €62,711 | €65,301 | €80,872 | €29,752 | - | - |
| Amounts payable after more than one year17 | €50,000 | €50,000 | €50,000 | - | - | - |
| Financial debts170/4 | €50,000 | €50,000 | €50,000 | - | - | - |
| Amounts payable within one year42/48 | €12,711 | €15,301 | €30,872 | €29,752 | - | - |
| Trade debts44 | €95 | €95 | €95 | €791 | - | - |
| Suppliers440/4 | €95 | €95 | €95 | €791 | - | - |
| Taxes, remuneration and social security45 | €11,816 | €14,406 | €30,777 | €24,401 | - | - |
| Taxes450/3 | €11,816 | €14,406 | €30,777 | €24,401 | - | - |
| Other amounts payable47/48 | €800 | €800 | - | €4,560 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €44,472 | €53,755 | €64,710 | €94,252 | €91,977 | ▼ 2.4% |
| + Depreciation and write-downs630 | - | - | - | - | €1,184 | - |
| Operating cash flow (approximation) | €44,472 | €53,755 | €64,710 | €94,252 | €93,161 | ▼ 1.2% |
| Change in cash | - | -€93,124 | -€8,049 | -€1,754 | €83,625 | ▲ 4,867% |
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
23-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
01-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €94,252 ▲45.7%
Net result €94,252, the highest in the series.
29-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150,000Eq €162,338 ▲66.3%
3 profitable years in a row build equity to €162,338.
31-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Nivelles · 1 establishment unit since 2020
Ground area
3,031 m²
Building footprint
548 m²
Volume, LiDAR
17,868 m³
Parcel 25782C0487/00C000, Wallonia · tallest building 35.5 m, ±11 floors. Linked by address, not a title deed.
16
companies at this address
See who is registered here
1 establishment unit
Finance & Project Solutions
since 20202.303.999.824
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25782C0487/00C000 | Wallonia | 3,031 m² | 1 · 548 m² | 35.5 m · 11 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 82,641 companies in sector 70200 we hold annual accounts for 52,636. 40,509 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
Founded16-06-2020
Fiscal year end31-12
Trade name FR
Finance & Project Solutions
Activities, NACEBEL 2025
70200Business and other management consultancy
73300Public relations and communication consultancy
74201Photography, excluding press photography
E-invoicing
Reachable via Peppol
Peppol ID
0208:0748632934
Registered
20-11-2020
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.