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ARFELOS

Active
Private limited companyfounded 201313 yrs activePater Nuyenslaan 26, 2970 Schilde, BelgiumKBO/BCE: BE 0536.831.850
Summary

ARFELOS has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.5m and a net result of €27,132. Equity is growing by ~20.6% per year across the filed fiscal years. Its solvency ranks better than 37% of 3825 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
ARFELOSActiveChecked score 91/100
Risk analysis ReportCompare

Overview

Activity
Activities of lawyers
NACE 69101
2 sites
Size
€5.2mtotal assets 2025
Equity
€1.5m
Profit
€27,132
Turnover not published (abridged schema)
Financial health
91 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Accounts filed 28 d late0 of 5 deeds read
Why 91- Liquidity: current ratio 1.27, cash €80,302- Latest accounts 28 days late; 1 of the last 3 late+ Size: total assets €5.2m+ Sector Legal and accounting activities (NACE 69)Show the evidence

Checked score

Score 2025
91 / 100
Excellent
Probability in this band: under 0.55%
Better than 25% of its sector peers (NACE 69, small)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 54-5
equity 29.3% of total assets
Liquidity 37-8
short-term debt 33.1% · cash 1.6%
Profitability 53+6
return on assets 0.5%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (1,474 companies)
Last 24 months 11-2024: < 0.1%lowest value 12-2024: < 0.1%● 0.0% vs 11-2024lowest value 01-2025: < 0.1%● 0.0% vs 12-2024lowest value 02-2025: < 0.1%● 0.0% vs 01-2025lowest value 03-2025: < 0.1%▲ +7.5% vs 02-2025 04-2025: < 0.1%▲ +2.3% vs 03-2025 05-2025: < 0.1%● 0.0% vs 04-2025 06-2025: 0.1%▲ +22.7% vs 05-2025 07-2025: 0.1%▲ +25.9% vs 06-2025 08-2025: 0.1%▲ +69.1% vs 07-2025 09-2025: 0.1%▼ -15.7% vs 08-2025 10-2025: 0.1%● 0.0% vs 09-2025 11-2025: 0.1%● 0.0% vs 10-2025 12-2025: 0.1%● 0.0% vs 11-2025 01-2026: 0.1%▼ -1.0% vs 12-2025 02-2026: 0.1%▲ +2.1% vs 01-2026 03-2026: 0.1%▲ +16.3% vs 02-2026 04-2026: 0.1%▲ +5.3% vs 03-2026 05-2026: 0.1%▲ +10.8% vs 04-2026 06-2026: 0.1%▲ +12.0% vs 05-2026 07-2026: 0.2%▲ +10.7% vs 06-2026 08-2026: 0.3%▲ +98.8% vs 07-2026highest value 09-2026: 0.1%▼ -82.6% vs 08-2026 10-2026: 0.1%● 0.0% vs 09-2026
  • Size: total assets €5.2m lowers the probability for this profile
  • Liquidity: current ratio 1.27, cash €80,302 raises the probability
  • Sector Legal and accounting activities (NACE 69) lowers the probability
  • Latest accounts 28 days late; 1 of the last 3 late raises the probability
Credit up to €130,000 at 30 days acceptable
Liquidity tight (current ratio 1.27 against 1.79 in 2024; short-term debt: 33.1% and cash: 1.6% of total assets), and 70.7% 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 69, small). Better than this share of them on solvency 34%, liquidity 16%, profitability 14%, growth against the median 37%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. 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

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: total assets €5.2m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 1.27, cash €80,302
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Sector Legal and accounting activities (NACE 69)
In the bankruptcy model this factor lowers the probability.
KBO
raises risk · Latest accounts 28 days late; 1 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 filings
Deviation from the deadline
2025
28 d late
2024
27 d late
2023
57 d late
2022
30 d late
2021
78 d late
2020
111 d late
2019
105 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 62 days after 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 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Back to profitnet €27,132
  3. Annual accounts filedfiscal year 2024 · abbreviated…

Key points

  • Positive: Among the best 14% on equitysector median €274,379 · 3,825 companies €1.5m View
  • Total assets 20256 fiscal years filed €5.2m View
  • Active since 2013founded 22-07-2013 13 years View

By topic

Financials

Fiscal year
2025
Total assets
€5.2m
Profit
€27,132
Solvency
29.3%
Total assets▲ 16.4%
Net result
20182025
Go to Financials

Timeline

Events
16
Since
2017
Next accounts
by 31-07-2027
  1. 28-08-2026Annual accounts filed
  2. 31-12-2025Back to profit
  3. 27-08-2025Annual accounts filed
Go to Timeline

Company details

Sites
2
Legal form
Private limited company
Activity
Activities of lawyersNACE 69101
Founded
22-07-2013
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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