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ARKIPAY

Active
Private limited companyfounded 20232 yrs activeRue du Beauregard(CAR) 118, 7141 Morlanwelz, BelgiumKBO/BCE: BE 1001.736.420
Summary

ARKIPAY has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €134,002 and a net result of €137,611. Its solvency ranks better than 29% of 20783 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).

Checked score

Score 2024
Axes · tick = 2023
Profitability100▲+100
Solvency64▲+64
Growth78
Track record82
Bankruptcy probability, 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10,000 at 30 days only on tighter terms
Liquidity ample (current ratio 1.68 against 0.72 in 2023; short-term debt: 32.1% and cash: 37.7% of total assets), but 61.2% of the assets are financed with debt.
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Signals

Four 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-08-2025, 30 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 · 2 filings
Deviation from the deadline
2025
not confirmed
2024
30 d late
2023
21 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 26 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.

Checked, nothing found (1)
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

History

On 27 October 2023, ARKIPAY was incorporated as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2024

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Financials · fiscal year 2024, micro schema

Equity
€134,002
2023 · -€4,650
Total assets
€345,067▲ 2,816%
2023 · €11,834
Net result
€137,611
2023 · -€9,650
Working capital
€75,969
2023 · -€4,650
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related 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
Line20232024
Operating result-€9,649-€181,507
Net result-€9,650below the sector's middle half-€137,611above the sector's middle half
Equity-€4,650below the sector's middle half-€134,002within the sector's middle half
Total assets€11,834below the sector's middle half-€345,067above the sector's middle half▲ 2,816%
Debt€16,484-€211,065▲ 1,180%
Working capital-€4,650-€75,969
Solvency-39.3%below the sector's middle half-38.8%within the sector's middle half▲ 78.1pp
above within below the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related 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
-€50,000€0€50,000€100,000€150,000€200,000Operating result 2023: -€9,649-€9,649Net result 2023: -€9,650-€9,650Operating result 2024: €181,507€181,507Net result 2024: €137,611€137,61120232024-€50,000€0€50,000€100,000€150,000€200,000Operating result 2023: -€9,649-€9,650Net result 2023: -€9,650-€9,650Operating result 2024: €181,507€182,000Net result 2024: €137,611€138,00020232024
The operating result returns to profit in 2024: €181,507 after a loss of €9,649 in 2023.
Balance-sheet composition
Assets €345,067
Fixed assets €158,186
Current assets €186,881
Equity and liabilities €345,067
Equity €134,002
Debt €211,065
Debt finances 61.2% of the balance-sheet total.
Key figures and ratios
2024 value · change against 2023
EBITDA
€181,767
Cash flow
€137,871
Current ratio
1.68▲
2023 · 0.72
Debt to equity
1.58▲
2023 · -3.54
ROE
102.7%
ROA
39.9%▲
2023 · -81.5%
Interest coverage
25.84
Debt ≤ 1 year
€110,912▲
2023 · €16,484
Debt > 1 year
€95,607
Income taxes
€36,862
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 39,275 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.6% went bankrupt
2.2% stopped otherwise
96% still going

A further 0.4% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.6% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

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 39,275 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
Filed annual accounts As filed with the NBB · 2024 against 2023 · 40 lines
Balance sheet Code20232024
Assets
Total assets20/58€11,834€345,067▲
Fixed assets21/28-€158,186
Tangible fixed assets22/27-€158,186
Land and buildings22-€155,000
Plant, machinery and equipment23-€3,186
Current assets29/58€11,834€186,881▲
Amounts receivable within one year40/41€6,518€56,735▲
Trade receivables40€6,052€55,888▲
Other amounts receivable41€466€847▲
Cash at bank and in hand54/58€5,316€130,146▲
Equity and liabilities
Total equity and liabilities10/49€11,834€345,067▲
Equity10/15-€4,650€134,002▲
Contributions10/11€5,000€5,000=
Profit (loss) carried forward14-€9,650€129,002▲
Amounts payable17/49€16,484€211,065▲
Amounts payable after more than one year17-€95,607
Financial debts170/4-€95,607
Amounts payable within one year42/48€16,484€110,912▲
Current portion of amounts payable after more than one year42-€3,318
Trade debts44€5,509€2,068▼
Suppliers440/4€5,509€2,068▼
Taxes, remuneration and social security45€96€54,862▲
Taxes450/3€96€36,862▲
Remuneration and social security454/9-€18,000
Other amounts payable47/48€10,879€50,664▲
Accrued charges and deferred income492/3-€4,546
Income statement Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€260
Other operating charges640/8€95€24,858▲
Gross operating margin9900-€9,554€206,625▲
Operating profit (loss)9901-€9,649€181,507▲
Financial charges65/66B€1€7,034▲
Recurring financial charges65€1€7,034▲
Profit (loss) for the period before taxes9903-€9,650€174,473▲
Income taxes67/77-€36,862
Profit (loss) for the period9904-€9,650€137,611▲
Profit (loss) for the period to be appropriated9905-€9,650€137,611▲
Appropriation of the result
Profit (loss) to be appropriated9906-€9,650€129,002▲
Profit (loss) brought forward from the previous period14P--€8,609
Profit to be distributed694/7-€0
Return on contributions (dividend)694-€0

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20232024Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€260-
Other operating charges640/8€95€24,858▲ 26,066%
Gross operating margin9900-€9,554€206,625▲ 2,263%
Operating profit (loss)9901-€9,649€181,507▲ 1,981%
Financial charges65/66B€1€7,034▲ 703,300%
Recurring financial charges65€1€7,034▲ 703,300%
Profit (loss) for the period before taxes9903-€9,650€174,473▲ 1,908%
Income taxes67/77-€36,862-
Profit (loss) for the period9904-€9,650€137,611▲ 1,526%
Profit (loss) for the period to be appropriated9905-€9,650€137,611▲ 1,526%
Line20232024Change
Assets
Total assets20/58€11,834€345,067▲ 2,816%
Fixed assets21/28-€158,186-
Tangible fixed assets22/27-€158,186-
Land and buildings22-€155,000-
Plant, machinery and equipment23-€3,186-
Current assets29/58€11,834€186,881▲ 1,479%
Amounts receivable within one year40/41€6,518€56,735▲ 770%
Trade receivables40€6,052€55,888▲ 823%
Other amounts receivable41€466€847▲ 81.8%
Cash at bank and in hand54/58€5,316€130,146▲ 2,348%
Equity and liabilities
Total equity and liabilities10/49€11,834€345,067▲ 2,816%
Equity10/15-€4,650€134,002▲ 2,982%
Contributions10/11€5,000€5,000=
Profit (loss) carried forward14-€9,650€129,002▲ 1,437%
Amounts payable17/49€16,484€211,065▲ 1,180%
Amounts payable after more than one year17-€95,607-
Financial debts170/4-€95,607-
Amounts payable within one year42/48€16,484€110,912▲ 573%
Current portion of amounts payable after more than one year42-€3,318-
Trade debts44€5,509€2,068▼ 62.5%
Suppliers440/4€5,509€2,068▼ 62.5%
Taxes, remuneration and social security45€96€54,862▲ 57,048%
Taxes450/3€96€36,862▲ 38,298%
Remuneration and social security454/9-€18,000-
Other amounts payable47/48€10,879€50,664▲ 366%
Accrued charges and deferred income492/3-€4,546-
Line20232024Change
Profit (loss) for the period9904-€9,650€137,611▲ 1,526%
+ Depreciation and write-downs630-€260-
Operating cash flow (approximation)-€9,650€137,871▲ 1,529%
Change in cash-€124,830-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
30-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial Back to profitnet €137,611
Net result €137,611 after one loss-making year.
31-12
Financial Liquidity doublescurrent ratio 1.68
Current ratio from 0.72 to 1.68.
31-12
Financial Equity above €100,000Eq €134,002
Equity rises from -€4,650 to €134,002.
21-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
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, Morlanwelz · 1 establishment unit since 2023
seat establishment approximate The establishment unit on the map
Ground area
584 m²
Building footprint
124 m²
Volume, LiDAR
276 m³
2 parcels, Wallonia · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ARKIPAY
Rue de la Gade(CAR) 108, 7141 MorlanwelzIT consultancy
since 20232.352.318.987
2 parcels
Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
56015B0195/00D002 Wallonia 440 m² 1 · 90 m² -
56015C0056/00K000indicative Wallonia 144 m² 1 · 34 m² 10.1 m · 3 fl.
Linked by address, not proof of ownership
Good to know
1 of 2 parcels 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

Of 30,007 companies in sector 62200 we hold annual accounts for 18,400. 15,419 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
Founded27-10-2023
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
62900Other information technology and computer services
Contact
E-mail jerome.vanherpe@arkipay.com
Phone 0495388338
E-invoicing
Reachable via Peppol
Peppol ID 9925:BE1001736420

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.