ARIN FISC
ActiveARIN FISC has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €318k and a net result of €84k. Equity is growing by ~12% per year across the filed fiscal years. Its solvency ranks better than 64% of 12637 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+37
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.93 against 2.55 in 2024), and 30.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
69.6%
Return on assets
18.4%
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
8 d early
2023
7 d early
2022
3 d early
2021
8 d late
2020
4 d early
2019
8 d early
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€318k▲ 30.3%
2024 · €244k
2018: €132k
2019: €148k
2020: €155k
2021: €158k
2022: €184k
2023: €223k
2024: €244k
2018 → 2025
Total assets
€457k▲ 22.0%
2024 · €375k
2018: €239k
2019: €245k
2020: €294k
2021: €282k
2022: €307k
2023: €366k
2024: €375k
2018 → 2025
Net result
€84k▲ 173%
2024 · €31k
2018: €3k
2019: €16k
2020: €7k
2021: €14k
2022: €36k
2023: €49k
2024: €31k
2018 → 2025
Working capital
€254k▲ 42.7%
2024 · €178k
2018: €98k
2019: €115k
2020: €98k
2021: €102k
2022: €124k
2023: €163k
2024: €178k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€158k-€184k▲ 16.3%€223k▲ 21.2%€244k▲ 9.3%€318k▲ 30.3%
Operating result€25k-€54k▲ 119%€73k▲ 35.0%€45k▼ 38.2%€117k▲ 158%
Net result€14k-€36k▲ 159%€49k▲ 37.0%€31k▼ 37.1%€84k▲ 173%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 158% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €457k
Fixed assets
€72k▼ 12.2%
Current assets
€386k▲ 31.5%
Equity and liabilities €457k
Equity
€318k▲ 30.3%
Debt
€139k▲ 6.4%
The debt ratio falls from 34.9% to 30.4%: equity grows faster than debt.
Key figures and ratios
EBITDA
€127k▲
2024 · €57k
Cash flow
€94k▲
2024 · €42k
Solvency
69.6%▲
2024 · 65.1%
Current ratio
2.93▲
2024 · 2.55
Quick ratio
2.93▲
2024 · 2.55
Debt / equity
0.44▼
2024 · 0.54
ROE
26.4%▲
2024 · 12.6%
ROA
18.4%▲
2024 · 8.2%
Interest coverage
88.49▲
2024 · 29.75
Debt
€139k▲
2024 · €131k
Debt ≤ 1 year
€131k▲
2024 · €115k
Debt > 1 year
€8k▼
2024 · €16k
Income taxes
€32k▲
2024 · €14k
Staff costs
€189k▲
2024 · €174k
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€375k€457k▲
Fixed assets21/28€82k€72k▼
Tangible fixed assets22/27€82k€72k▼
Land and buildings22€68k€65k▼
Furniture and vehicles24€13k€6k▼
Current assets29/58€293k€386k▲
Amounts receivable within one year40/41€175k€188k▲
Trade receivables40€173k€186k▲
Other amounts receivable41€2k€2k▼
Cash at bank and in hand54/58€118k€197k▲
Equity and liabilities
Total equity and liabilities10/49€375k€457k▲
Equity10/15€244k€318k▲
Contributions10/11€19k€19k=
Reserves13€89k€109k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€88k€108k▲
Profit (loss) carried forward14€136k€190k▲
Amounts payable17/49€131k€139k▲
Amounts payable after more than one year17€16k€8k▼
Financial debts170/4€16k€8k▼
Amounts payable within one year42/48€115k€131k▲
Current portion of amounts payable after more than one year42€11k€8k▼
Financial debts43-€4k
Credit institutions430/8-€4k
Trade debts44€13k€6k▼
Suppliers440/4€13k€6k▼
Taxes, remuneration and social security45€72k€98k▲
Taxes450/3€44k€65k▲
Remuneration and social security454/9€29k€32k▲
Other amounts payable47/48€19k€15k▼
Income statement
Code20242025
Remuneration, social security and pensions62€174k€189k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€10k▼
Other operating charges640/8€3k€3k▲
Gross operating margin9900€233k€320k▲
Operating profit (loss)9901€45k€117k▲
Financial income75/76B€2k€13▼
Recurring financial income75€2k€13▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€45k€116k▲
Income taxes67/77€14k€32k▲
Profit (loss) for the period9904€31k€84k▲
Profit (loss) for the period to be appropriated9905€31k€84k▲
Appropriation of the result
Profit (loss) to be appropriated9906€156k€220k▲
Profit (loss) brought forward from the previous period14P€125k€136k▲
Transfer from equity791/2€10k€10k=
Transfer to equity691/2€20k€30k▲
To other reserves6921€20k€30k▲
Profit to be distributed694/7€10k€10k=
Return on contributions (dividend)694€10k€10k=
The notes to these accounts (5 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
14-09
State Gazette act
Incorporation · Founder
Founding capital · Bank account
28-08
State Gazette act
Incorporation · Founding capital
Bank account · Corporate purpose
31-07
State Gazette act
General meeting · Dissolution
Liquidation · Director appointment · Jan Lambrecht
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €84k ▲173%
Operating result €117k, net result €84k, both a record.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €223k ▲21.2%
6 profitable years in a row build equity to €223k.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
08-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 8 days late
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €155k ▲4.7%
3 profitable years in a row build equity to €155k.
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Sint-Truiden · 1 establishment unit since 2005
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.
Wildebamp 113800 Sint-TruidenGround area
313 m²
Building footprint
198 m²
Volume, LiDAR
975 m³
Parcel 71353E0036/00D002, Flanders · tallest building 10.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Wildebamp 11, 3800 Sint-Truiden
since 20052.228.250.247
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71353E0036/00D002 | Flanders | 313 m² | 1 · 198 m² | 10.9 m · 1 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.
Recognitions · licences · registrations
Legal Entity Identifier
6488M3R79051SMMSH364
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Of 12,122 companies in sector 69201 we hold annual accounts for 7,600. 5,982 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-01-2005
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
74121
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0495/52.20.55