ARKO SERVICES
ActiveThe computed 12-month bankruptcy probability of ARKO SERVICES is 1.8% (moderate). The 2025 annual accounts show equity of €120k and a net result of €47k. Equity is growing by ~45.3% per year across the filed fiscal years. Its solvency ranks better than 75% of 7376 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+5
Solvency92▼-2
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 2.58 against 2.76 in 2024; short-term debt: 33.2% and cash: 24.4% of total assets), and 33.2% 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+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
66.8%
Return on assets
26.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-09-2026, 42 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 · 4 filingsDeviation from the deadline
2025
42 d late
2024
31 d late
2023
40 d late
2022
31 d late
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€120k▲ 65.2%
2024 · €73k
2022: €38k
2023: €51k
2024: €73k
2022 → 2025
Total assets
€180k▲ 71.7%
2024 · €105k
2022: €47k
2023: €128k
2024: €105k
2022 → 2025
Net result
€47k▲ 113%
2024 · €22k
2022: €35k
2023: €12k
2024: €22k
2022 → 2025
Working capital
€95k▲ 67.9%
2024 · €56k
2022: €17k
2023: €39k
2024: €56k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€38k-€51k▲ 31.8%€73k▲ 44.2%€120k▲ 65.2%
Operating result€35k-€13k▼ 64.3%€44k▲ 251%€65k▲ 46.9%
Net result€35k-€12k▼ 65.5%€22k▲ 83.3%€47k▲ 113%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 47% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €180k
Fixed assets
€26k▲ 56.1%
Current assets
€154k▲ 74.6%
Equity and liabilities €180k
Equity
€120k▲ 65.2%
Debt
€60k▲ 86.4%
The debt ratio rises from 30.6% to 33.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€79k▲
2024 · €48k
Cash flow
€61k▲
2024 · €26k
Solvency
66.8%▼
2024 · 69.4%
Current ratio
2.58▼
2024 · 2.76
Quick ratio
2.58▼
2024 · 2.76
Debt / equity
0.50▲
2024 · 0.44
ROE
39.5%▲
2024 · 30.7%
ROA
26.4%▲
2024 · 21.3%
Interest coverage
156.94▼
2024 · 235.75
Debt
€60k▲
2024 · €32k
Debt ≤ 1 year
€60k▲
2024 · €32k
Income taxes
€17k▼
2024 · €22k
Staff costs
€37k
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€105k€180k▲
Fixed assets21/28€16k€26k▲
Tangible fixed assets22/27€16k€25k▲
Furniture and vehicles24€16k€25k▲
Financial fixed assets28€335€335=
Current assets29/58€88k€154k▲
Amounts receivable within one year40/41€38k€109k▲
Trade receivables40€21k€91k▲
Other amounts receivable41€17k€19k▲
Cash at bank and in hand54/58€49k€44k▼
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€105k€180k▲
Equity10/15€73k€120k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€70k€117k▲
Amounts payable17/49€32k€60k▲
Amounts payable within one year42/48€32k€60k▲
Trade debts44€9k€30k▲
Suppliers440/4€9k€30k▲
Taxes, remuneration and social security45€23k€30k▲
Taxes450/3€12k€20k▲
Remuneration and social security454/9€11k€9k▼
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€107k€212k▲
Remuneration, social security and pensions62-€37k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€13k▲
Other operating charges640/8€2k-
Gross operating margin9900€50k€115k▲
Operating profit (loss)9901€44k€65k▲
Financial income75/76B€2-
Recurring financial income75€2-
Financial charges65/66B€203€502▲
Recurring financial charges65€203€502▲
Profit (loss) for the period before taxes9903€44k€65k▲
Income taxes67/77€22k€17k▼
Profit (loss) for the period9904€22k€47k▲
Profit (loss) for the period to be appropriated9905€22k€47k▲
Appropriation of the result
Profit (loss) to be appropriated9906€70k€117k▲
Profit (loss) brought forward from the previous period14P€48k€70k▲
The notes to these accounts (8 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
11-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 42 days late
2025
31-12
Financial
Highest result since 2022net €47k ▲113%
Operating result €65k, net result €47k, both a record.
31-12
Financial
Equity above €100kEq €120k ▲65.2%
4 profitable years in a row build equity to €120k.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
09-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 40 days late
2023
31-12
Financial
Weakest financial yearnet €12k ▼65.5%
Net result drops to €12k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
Financial milestoneNBB 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, Overijse · 1 establishment unit since 2021
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.
Brusselsesteenweg 2923090 OverijseGround area
2,481 m²
Building footprint
307 m²
Volume, LiDAR
1,682 m³
2 parcels, Flanders, Wallonia · tallest building 9.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ARKO SERVICES
since 20212.321.388.558
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23062B0376/02D005 | Flanders | 1,934 m² | 1 · 198 m² | 6.6 m · 1 fl. |
| 92021F0031/00_000 | Wallonia | 547 m² | 1 · 109 m² | 9.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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ECON3
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Of 29,810 companies in sector 41001 we hold annual accounts for 16,041. 12,963 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-07-2021
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43230Insulation installation
43990Other specialised construction activities
43995Specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.