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ARLO

Active
Public limited companyfounded 1976active for 49 yearsOverdam 15A, 9930 Lievegem, BelgiumKBO/BCE: BE 0416.523.344
Summary

ARLO has been active since 1976 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €652,051 and a net result of -€110,707. Equity is shrinking by about 5.3% per year across the filed financial years. Its solvency ranks better than 41% of 10,996 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.6% (low).

Overview

Activity
Development of residential building projects
NACE 68121General construction of residential buildings NACE 41001General construction of other non-residential buildings NACE 41003
2nd oldest company in Lievegem, Real estate sector1 site
Size
€2.9mtotal assets 2025
Staff
10.7 FTE
Equity
€652,051
Loss
-€110,707
Turnover not published (abbreviated format)
Financial health
78 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.6%
Structure
Largest shareholder
VSL INVEST · 20%
Holdings
1
Accounts 2 days early1 of 12 deeds read
Why 78raises riskLiquidity: current ratio 1.09, cash €211,904Size: 10.7 FTE, total assets €2.9mEquity €652,051 (22.2% of total assets)Loss of €110,707 (financial year 2025)Show the evidence

Checked score

Score 2025
78 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 23% of its sector peers (NACE 68, small)
Financial strength · tick = 2024
Weak
Solvency 47-2
equity 22.2% of total assets
Liquidity 32+2
short-term debt 52.6% · cash 7.2%
Profitability 14-20
return on assets -3.8%
Bankruptcy probability, 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%

About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (6,968 companies, NACE 68, small)
Last 24 months 11-2024: 0.4%lowest value 12-2024: 0.4%● unchanged vs 11-2024 01-2025: 0.6%▲ +0.2 percentage points vs 12-2024 02-2025: 0.4%▼ -0.2 percentage points vs 01-2025 03-2025: 0.4%● unchanged vs 02-2025 04-2025: 0.4%● unchanged vs 03-2025 05-2025: 0.4%● unchanged vs 04-2025 06-2025: 0.4%● unchanged vs 05-2025 07-2025: 0.4%● unchanged vs 06-2025 08-2025: 0.4%● unchanged vs 07-2025 09-2025: 0.4%● unchanged vs 08-2025 10-2025: 0.5%▲ +0.1 percentage points vs 09-2025 11-2025: 0.5%● unchanged vs 10-2025 12-2025: 0.5%● unchanged vs 11-2025 01-2026: 0.7%▲ +0.2 percentage points vs 12-2025highest value 02-2026: 0.5%▼ -0.2 percentage points vs 01-2026 03-2026: 0.5%● unchanged vs 02-2026 04-2026: 0.5%● unchanged vs 03-2026 05-2026: 0.5%● unchanged vs 04-2026 06-2026: 0.5%● unchanged vs 05-2026 07-2026: 0.5%● unchanged vs 06-2026 08-2026: 0.5%● unchanged vs 07-2026 09-2026: 0.5%● unchanged vs 08-2026 10-2026: 0.6%▲ +0.1 percentage points vs 09-2026
Credit of up to €50,000 on 30-day terms is acceptable
Liquidity tight (current ratio 1.09, compared with 1.16 in 2024, below the usual 1.5; short-term debt: 52.6% and cash: 7.2% of total assets), and 77.8% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, small): better than 42% on solvency, 26% on liquidity, 7% on profitability and 19% on growth.

The bankruptcy probability was computed on 13-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
raises riskneutral
raises risk · Liquidity: current ratio 1.09, cash €211,904
NBB · annual accounts
raises risk · Size: 10.7 FTE, total assets €2.9m
Companies of this size fail more often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Equity €652,051 (22.2% of total assets)
NBB · annual accounts
raises risk · Loss of €110,707 (financial year 2025)
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
2 days early
2024
on the day
2023
9 days early
2022
1 day early
2021
35 days early
2020
33 days early
2019
35 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 16 days before the deadline; the sector median (NACE 68) for financial year 2024 is 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 29 January (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
30-06-2026 year end14-10-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. Resignations: CILODA, LOVA and 2 othersPermanent representatives: David LOCY, Karen…
  3. Weakest financial yearnet -€110,707

Key points

  • Caution: From profit to loss in 2025after €13,438 in 2024 -€110,707 View
  • Caution: Directors leftlatest change 12-01-2026 · 2 in office 4 left View
  • Caution: Among the weakest 10% on net resultsector median €10,262 · 10,986 companies -€110,707 View
  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
  • Active since 1976founded 04-11-1976 49 years View

By topic

Financials

Financial year
2025
Total assets
€2.9m
Loss
-€110,707
Solvency
22.2%
Total assets▼ 7.1%
Net result
20192025
Go to Financials

Board & ownership

Board
2 members
Largest shareholder
VSL INVEST · 20%
  • David LOCYManaging director
  • Karen LOCYManaging director
Go to Board & ownership

Timeline

Events
51
Since
1978
Next accounts
by 31-01-2027
  1. 31-01-2025Annual accounts filed
  2. 22-01-2024Annual accounts filed
  3. 30-01-2023Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Development of residential building projectsNACE 68121
Founded
04-11-1976
Year ends
30-06
Peppol
Reachable for e-invoices
Go to Company details

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