ARIO
ActiveARIO has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €185k and a net result of €44k. Equity is growing by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 45% of 13977 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+1
Solvency49▲+5
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity short (current ratio 0.49 against 0.3 in 2024; short-term debt: 36.6% and cash: 17.4% of total assets), and 75.8% 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 68
Relative position
BE, all sectors
reference
Sector 68
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
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 26-10-2025, 5 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
5 d early
2024
1 d early
2023
8 d late
2022
4 d late
2021
6 d early
2020
16 d late
2019
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close19-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€185k▲ 31.1%
2024 · €141k
2019: €150k
2020: €146k
2021: €85k
2022: €65k
2023: €102k
2024: €141k
2019 → 2025
Total assets
€763k▲ 3.3%
2024 · €739k
2019: €839k
2020: €787k
2021: €742k
2022: €729k
2023: €727k
2024: €739k
2019 → 2025
Net result
€44k▲ 13.3%
2024 · €39k
2019: €15k
2020: €-4k
2021: €-61k
2022: €-19k
2023: €37k
2024: €39k
2019 → 2025
Working capital
€-144k▲ 25.0%
2024 · €-191k
2019: €-188k
2020: €-207k
2021: €-245k
2022: €-274k
2023: €-231k
2024: €-191k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€85k-€65k▼ 23.0%€102k▲ 56.7%€141k▲ 37.8%€185k▲ 31.1%
Operating result€-48k-€-8k▲ 83.4%€45k€46k▲ 2.4%€65k▲ 38.8%
Net result€-61k-€-19k▲ 68.1%€37k€39k▲ 4.4%€44k▲ 13.3%
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 39% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €763k
Fixed assets
€628k▼ 4.6%
Current assets
€136k▲ 66.9%
Equity and liabilities €763k
Equity
€185k▲ 31.1%
Debt
€579k▼ 3.3%
The debt ratio falls from 80.9% to 75.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€95k▲
2024 · €76k
Cash flow
€74k▲
2024 · €69k
Solvency
24.2%▲
2024 · 19.1%
Current ratio
0.49▲
2024 · 0.30
Quick ratio
0.49▲
2024 · 0.30
Debt / equity
3.13▼
2024 · 4.24
ROE
23.7%▼
2024 · 27.4%
ROA
5.7%▲
2024 · 5.2%
Interest coverage
14.05▲
2024 · 9.61
Debt
€579k▼
2024 · €598k
Debt ≤ 1 year
€279k▲
2024 · €273k
Debt > 1 year
€299k▼
2024 · €325k
Income taxes
€15k
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€739k€763k▲
Fixed assets21/28€658k€628k▼
Tangible fixed assets22/27€658k€628k▼
Land and buildings22€658k€628k▼
Financial fixed assets28€297€297=
Current assets29/58€81k€136k▲
Amounts receivable within one year40/41€0€831▲
Trade receivables40€0€831▲
Cash at bank and in hand54/58€79k€133k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€739k€763k▲
Equity10/15€141k€185k▲
Contributions10/11€124k€124k=
Capital10€124k€124k=
Issued capital100€124k€124k=
Reserves13€5k€12k▲
Non-distributable reserves130/1€5k€12k▲
Legal reserve130€5k€12k▲
Profit (loss) carried forward14€12k€49k▲
Amounts payable17/49€598k€579k▼
Amounts payable after more than one year17€325k€299k▼
Financial debts170/4€325k€299k▼
Amounts payable within one year42/48€273k€279k▲
Current portion of amounts payable after more than one year42€59k€54k▼
Financial debts43€8€8=
Credit institutions430/8€8€8=
Trade debts44€5k€659▼
Suppliers440/4€5k€659▼
Advances received on contracts in progress46-€2k
Taxes, remuneration and social security45€0€14k▲
Taxes450/3€0€14k▲
Other amounts payable47/48€208k€208k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€30k▲
Other operating charges640/8€16k€17k▲
Gross operating margin9900€93k€111k▲
Operating profit (loss)9901€46k€65k▲
Financial income75/76B€152€685▲
Recurring financial income75€152€685▲
Financial charges65/66B€8k€7k▼
Recurring financial charges65€8k€7k▼
Profit (loss) for the period before taxes9903€39k€58k▲
Income taxes67/77-€15k
Profit (loss) for the period9904€39k€44k▲
Profit (loss) for the period to be appropriated9905€39k€44k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€56k▲
Profit (loss) brought forward from the previous period14P€-27k€12k▲
Transfer to equity691/2-€7k
To the legal reserve6920-€7k
The notes to these accounts (7 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
2025
26-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2019net €44k ▲13.3%
Operating result €65k, net result €44k, both a record.
31-03
Financial
Equity above €150kEq €185k ▲31.1%
3 profitable years in a row build equity to €185k.
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
08-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
31-03
Financial
Back to profitnet €37k
Net result €37k after 3 loss-making years.
31-03
Financial
Equity above €100kEq €102k ▲56.7%
Equity rises from €65k to €102k.
2022
04-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
2021
25-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Weakest financial yearnet €-61k
Net result drops to €-61k, the lowest in the series; recovery starts the following year.
2020
16-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 16 days late
2019
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
19-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
30-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
26-10
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
4 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, Halle · 1 establishment unit since 1988
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.
Bergensesteenweg 4261500 HalleGround area
3,488 m²
Parcel 23027E0179/00C002, Flanders. Linked by address, not a title deed.
1 establishment unit
BABY'O NV
since 19882.032.351.522
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23027E0179/00C002 | Flanders | 3,488 m² | - | - |
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.
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IMMOPROF
BE 0829.708.009
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WIT20
BE 0744.666.426
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MECOBAT
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Of 9,139 companies in sector 68201 we hold annual accounts for 6,767. 4,748 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded16-12-1987
Fiscal year end31-03
Activities, NACEBEL
52493
68201Renting and operating of own or leased residential real estate, excluding social housing
47554Retail trade
47713Retail trade
52424
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
General meetings
1 convocationGeneral meeting
Jaarverslag. Goedkeuring jaarrekening. Bestemming resultaat. Kwijting bestuurders. (Her)Benoemingen. Divers. (AOPC1807682/ 03.09)