ARMABETON
ActiveARMABETON has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €659k and a net result of €51k. Equity is growing by ~14.2% per year across the filed fiscal years. Its solvency ranks better than 45% of 7993 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
72
/ 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
Profitability73▲+4
Solvency64▼-2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 1.86 against 2.01 in 2024; short-term debt: 36.9% and cash: 17.9% of total assets), but 60.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
39.2%
Return on assets
3%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
7 d early
2023
71 d early
2022
71 d early
2021
82 d early
2020
83 d early
2019
81 d early
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€51k▲ 6,980%
2024 · €717
2018: €77k
2019: €50k
2020: €103k
2021: €199k
2022: €114k
2023: €6k
2024: €717
2018 → 2025
Working capital
€535k▲ 23.8%
2024 · €432k
2018: €86k
2019: €109k
2020: €211k
2021: €377k
2022: €416k
2023: €436k
2024: €432k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€491k-€603k▲ 23.0%€607k▲ 0.7%€608k▲ 0.1%€659k▲ 8.3%
Operating result€278k-€144k▼ 48.1%€-17k€14k€92k▲ 578%
Net result€199k-€114k▼ 42.6%€6k▼ 95.0%€717▼ 87.3%€51k▲ 6,980%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 578% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.68M
Fixed assets
€526k▼ 14.9%
Current assets
€1.15M▲ 34.5%
Equity and liabilities €1.68M
Equity
€659k▲ 8.3%
Debt
€1.02M▲ 17.7%
The debt ratio rises from 58.8% to 60.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€188k▲
2024 · €107k
Cash flow
€147k▲
2024 · €94k
Solvency
39.2%▼
2024 · 41.2%
Current ratio
1.86▼
2024 · 2.01
Quick ratio
1.35▲
2024 · 1.33
Debt / equity
1.55▲
2024 · 1.43
ROE
7.7%▲
2024 · 0.1%
ROA
3.0%▲
2024 · 0.0%
Interest coverage
12.88▲
2024 · 7.02
Debt
€1.02M▲
2024 · €868k
Debt ≤ 1 year
€619k▲
2024 · €426k
Debt > 1 year
€402k▼
2024 · €442k
Income taxes
€27k▲
2024 · €451
Staff costs
€273k▼
2024 · €320k
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€1.48M€1.68M▲
Fixed assets21/28€617k€526k▼
Tangible fixed assets22/27€617k€525k▼
Land and buildings22€398k€376k▼
Plant, machinery and equipment23€45k€36k▼
Furniture and vehicles24€174k€113k▼
Financial fixed assets28€295€295=
Current assets29/58€859k€1.15M▲
Stocks and contracts in progress3€293k€319k▲
Stocks30/36€293k€319k▲
Amounts receivable within one year40/41€430k€529k▲
Trade receivables40€342k€514k▲
Other amounts receivable41€87k€15k▼
Cash at bank and in hand54/58€122k€300k▲
Deferred charges and accrued income490/1€14k€5k▼
Equity and liabilities
Total equity and liabilities10/49€1.48M€1.68M▲
Equity10/15€608k€659k▲
Contributions10/11€20k€20k=
Reserves13€466k€517k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€464k€515k▲
Profit (loss) carried forward14€122k€122k=
Amounts payable17/49€868k€1.02M▲
Amounts payable after more than one year17€442k€402k▼
Financial debts170/4€442k€402k▼
Amounts payable within one year42/48€426k€619k▲
Current portion of amounts payable after more than one year42€73k€40k▼
Financial debts43€12k€12k▼
Credit institutions430/8€12k€12k▼
Trade debts44€247k€487k▲
Suppliers440/4€247k€487k▲
Taxes, remuneration and social security45€55k€74k▲
Taxes450/3€21k€33k▲
Remuneration and social security454/9€34k€41k▲
Other amounts payable47/48€39k€7k▼
Income statement
Code20242025
Non-recurring operating income76A€6k-
Remuneration, social security and pensions62€320k€273k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€93k€96k▲
Other operating charges640/8€10k€3k▼
Non-recurring operating charges66A€9k-
Gross operating margin9900€446k€465k▲
Operating profit (loss)9901€14k€92k▲
Financial income75/76B€3k€1▼
Recurring financial income75€3k€1▼
Financial charges65/66B€15k€15k▼
Recurring financial charges65€15k€15k▼
Profit (loss) for the period before taxes9903€1k€77k▲
Income taxes67/77€451€27k▲
Profit (loss) for the period9904€717€51k▲
Profit (loss) for the period to be appropriated9905€717€51k▲
Appropriation of the result
Profit (loss) to be appropriated9906€122k€173k▲
Profit (loss) brought forward from the previous period14P€121k€122k▲
Transfer to equity691/2-€51k
To other reserves6921-€51k
Social balance
Average headcount (FTE)90877.46.1▼
The notes to these accounts (9 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €717 ▼87.3%
Net result drops to €717, the lowest in the series; recovery starts the following year.
21-05
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
21-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Equity above €500kEq €603k ▲23%
5 profitable years in a row build equity to €603k.
10-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €199k ▲93.6%
Operating result €278k, net result €199k, both a record.
09-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Equity above €200kEq €293k ▲52.7%
3 profitable years in a row build equity to €293k.
11-05
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Equity above €150kEq €192k ▲32.3%
2 profitable years in a row build equity to €192k.
08-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
10-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
11-05
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Charleroi · 1 establishment unit since 1989
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.
Rue de la Sambre 66032 CharleroiGround area
638 m²
Parcel 52050A0043/00D004, Wallonia. Linked by address, not a title deed.
1 establishment unit
ARMABETON SC
since 19892.042.565.424
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52050A0043/00D004 | Wallonia | 638 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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Of 338 companies in sector 46713 we hold annual accounts for 204. 154 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-02-1989
Fiscal year end31-12
Activities, NACEBEL
25930Manufacture of fabricated metal products, except machinery and equipment
27340
45194
46713Wholesale trade
24340Manufacture of basic metals
29202Manufacture of motor vehicles, trailers and semi-trailers
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.