ARMAR TRANS

Active

Private limited companyfounded 20197 yrs activeSint-Laurentiusstraat 64, 9700 Oudenaarde, BelgiumKBO/BCE: BE 0719.475.031

Summary

The computed 12-month bankruptcy probability of ARMAR TRANS is 1.8% (moderate). The 2025 annual accounts show equity of €49,450 and a net result of -€3,315. Equity is growing by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 34% of 550 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

ARMAR TRANSActiveChecked score 53/100

Risk analysis Report Compare

Activity

Checked score

Score 2025

53 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 29% of its sector peers (NACE 53, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Weak

Solvency 41+3

equity 16.3% of total assets

Liquidity 24-4

short-term debt 58.7% · cash 3.4%

Profitability 36-4

return on assets -1.1%

Bankruptcy probability, 12 months

1.8% Moderate

0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 2.7% (889 companies)

Last 24 months 11-2024: 1.9% 12-2024: 1.9%● 0.0% vs 11-2024 01-2025: 2.1%▲ +10.6% vs 12-2024 02-2025: 2.2%▲ +4.4% vs 01-2025 03-2025: 2.2%▼ -1.4% vs 02-2025 04-2025: 2.5%▲ +15.7% vs 03-2025 05-2025: 2.6%▲ +3.8% vs 04-2025 06-2025: 2.8%▲ +6.9% vs 05-2025 07-2025: 2.8%● 0.0% vs 06-2025 08-2025: 2.8%● 0.0% vs 07-2025 09-2025: 2.8%● 0.0% vs 08-2025 10-2025: 2.8%● 0.0% vs 09-2025 11-2025: 2.8%● 0.0% vs 10-2025 12-2025: 2.8%▲ +1.1% vs 11-2025 01-2026: 2.9%▲ +1.1% vs 12-2025 02-2026: 2.8%▼ -2.1% vs 01-2026 03-2026: 2.7%▼ -4.1% vs 02-2026 04-2026: 3.0%▲ +9.8% vs 03-2026highest value 05-2026: 2.1%▼ -28.9% vs 04-2026 06-2026: 2.1%● 0.0% vs 05-2026 07-2026: 2.1%● 0.0% vs 06-2026 08-2026: 2.1%● 0.0% vs 07-2026 09-2026: 1.9%▼ -10.7% vs 08-2026 10-2026: 1.8%▼ -1.5% vs 09-2026lowest value

Sector Postal and courier activities (NACE 53) raises the probability
Founded in 2019 raises the probability for this profile
Liquidity: current ratio 0.71, cash €10,347 raises the probability
Figures for FY 2025 (filed 30-04-2026) lowers the probability

Credit up to €2,500 at 30 days acceptable

Liquidity short (current ratio 0.71 against 0.61 in 2024; short-term debt: 58.7% and cash: 3.4% of total assets), and 83.7% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 53, micro). Better than this share of them on solvency 31%, liquidity 27%, profitability 26%, growth against the median 30%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

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Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Sector Postal and courier activities (NACE 53)

In the bankruptcy model this factor raises the probability.

KBO

Founded in 2019

In the bankruptcy model this factor raises the probability for this profile.

KBO

Liquidity: current ratio 0.71, cash €10,347

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Figures for FY 2025 (filed 30-04-2026)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.

NBB · 6 filings

Deviation from the deadline

2025

on the day

2024

5 d late

2023

1 d early

2022

3 d late

2021

2 d early

2020

2 d early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 1 day after the deadline; the sector median for financial year 2024 is 13 days after the deadline, and 56% of the sector filed late.

Checked, nothing found (2)

The next deadline is still running

The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 30 April (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

30-09-2026 close03-10-2026 today30-04-2027 deadline

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

03-06-26 RestructuringMerger · Director in office…
30-04-26 Annual accounts filedfiscal year 2025 · micro…
30-09-25 Weakest financial yearnet -€3,315

Key points

Caution: 2 loss-making years in a rowloss fiscal year 2025 -€3,315 View
Among the largest 16% on gross marginsector median €35,614 · 550 companies €214,718 View
Total assets 20256 fiscal years filed €303,859 View