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Arléo Construct

Active
Private limited companyfounded 2025active for 1 yearChemin des Loriots(SL) 9, 5020 Namur, BelgiumKBO/BCE: BE 1018.391.518
Summary

The computed 12-month bankruptcy probability of Arléo Construct is 1.9% (moderate). The 2025 annual accounts show equity of €36,399 and a net result of €33,399. Its solvency ranks better than 35% of 9,217 sector peers (NACE 41, financial year 2025). The company has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals.

Financials · financial year 2025, micro format

2025 annual accounts filed late (20 days) Filed on 20 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00410154.

Equity
€36,399
Total assets
€124,712
Net result
€33,399
Working capital
€23,954

Turnover and EBIT margin not published: the micro format does not require them.

Balance-sheet composition
Assets €124,712
Fixed assets €49,378
Current assets €75,335
Equity and liabilities €124,712
Equity €36,399
Debt €88,314
Debt finances 70.8% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€55,127
Cash flow
€44,986
Current ratio
1.47
Debt to equity
2.43
ROE
91.8%
ROA
26.8%
Interest coverage
30.79
Debt ≤ 1 year
€51,380
Debt > 1 year
€36,933
Income taxes
€8,350

Peer companies

Historical observation

Of the 2,390 companies that looked in July 2024 the way this one looks now, 1.2% went bankrupt within 24 months and 96.7% are still going.

  • Micro
  • under 2 years old
  • solvency 10 to 30%
  • a profit of 5% of the balance sheet or more
1.2% went bankrupt
2.0% stopped otherwise
96.7% still going

A further 0.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 1.9% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,472 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% 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 2,390 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 · 2025 · 34 lines
Balance sheet Code2025
Assets
Total assets20/58€124,712
Fixed assets21/28€49,378
Tangible fixed assets22/27€48,320
Furniture and vehicles24€48,320
Financial fixed assets28€1,057
Current assets29/58€75,335
Amounts receivable within one year40/41€43,505
Trade receivables40€43,505
Cash at bank and in hand54/58€31,829
Equity and liabilities
Total equity and liabilities10/49€124,712
Equity10/15€36,399
Contributions10/11€3,000
Profit (loss) carried forward14€33,399
Amounts payable17/49€88,314
Amounts payable after more than one year17€36,933
Financial debts170/4€36,933
Amounts payable within one year42/48€51,380
Current portion of amounts payable after more than one year42€11,198
Trade debts44€1,624
Suppliers440/4€1,624
Taxes, remuneration and social security45€18,383
Taxes450/3€16,130
Remuneration and social security454/9€2,254
Other amounts payable47/48€20,175
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11,588
Gross operating margin9900€55,127
Operating profit (loss)9901€43,539
Financial charges65/66B€1,790
Recurring financial charges65€1,790
Profit (loss) for the period before taxes9903€41,749
Income taxes67/77€8,350
Profit (loss) for the period9904€33,399
Profit (loss) for the period to be appropriated9905€33,399
Appropriation of the result
Profit (loss) to be appropriated9906€33,399

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11,588
Gross operating margin9900€55,127
Operating profit (loss)9901€43,539
Financial charges65/66B€1,790
Recurring financial charges65€1,790
Profit (loss) for the period before taxes9903€41,749
Income taxes67/77€8,350
Profit (loss) for the period9904€33,399
Profit (loss) for the period to be appropriated9905€33,399
Line2025
Assets
Total assets20/58€124,712
Fixed assets21/28€49,378
Tangible fixed assets22/27€48,320
Furniture and vehicles24€48,320
Financial fixed assets28€1,057
Current assets29/58€75,335
Amounts receivable within one year40/41€43,505
Trade receivables40€43,505
Cash at bank and in hand54/58€31,829
Equity and liabilities
Total equity and liabilities10/49€124,712
Equity10/15€36,399
Contributions10/11€3,000
Profit (loss) carried forward14€33,399
Amounts payable17/49€88,314
Amounts payable after more than one year17€36,933
Financial debts170/4€36,933
Amounts payable within one year42/48€51,380
Current portion of amounts payable after more than one year42€11,198
Trade debts44€1,624
Suppliers440/4€1,624
Taxes, remuneration and social security45€18,383
Taxes450/3€16,130
Remuneration and social security454/9€2,254
Other amounts payable47/48€20,175
Line2025
Profit (loss) for the period9904€33,399
+ Depreciation and write-downs630€11,588
Operating cash flow (approximation)€44,986

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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Filings with the National Bank (1)
Financial year Type Filed Reference
31-12-2025 micro format 20-08-2026 2026-00410154

Similar companies · same sector, comparable size

Of the 29,196 active companies whose main activity is general construction of residential buildings (NACE 41001), figures are known for 16,159. 12,854 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.