Equity
-€20,775
Debts exceed assets in financial year 2025.
ARMOBO
Lifetime
20 annual accounts with figures on one time axis, 28 filings since 1998peak €268,391 (2024)
€237,823▼ 11.4%
lowest -€31,917 (2020)
-€25,354▼ €37,836
peak €36,054 (2006)
-€20,775▼ €25,354
€313,078▲ 34.3%
peak 5.6 FTE (2018)
-not published
Board2 names since 2010
1 directorDominique DEGIVES
Documentsfilings and deeds
28-08-202628 days late
2025micro format
Loss of €25,354Equity from €4,579 to -€20,775Debts from €233,146 to €313,078Cash from €58,293 to €112,345
Key points
from the 2025 annual accountsDebts
€313,078 107% of the balance sheet
Financial debts 14%Suppliers 52%Taxes and wages 8%Other 27%
Of this, €269,608 falls due within a year.
Position in the sector
-€25,354
Lower net result than 90% of companies in food and beverage service. Sector median €4,886 · 17,134 companies.
2025 accounts filed 28 days after the deadline
Checked score
54
Fair
Financially stronger than 24% of micro companies in food and beverage service (NACE 56)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
1.5% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.8% across 23,788 companies (NACE 56, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.6%
01-2025: 1.5%▼ -0.1 percentage points vs 12-2024
02-2025: 1.5%● unchanged vs 01-2025
03-2025: 1.5%● unchanged vs 02-2025
04-2025: 1.5%● unchanged vs 03-2025
05-2025: 1.5%● unchanged vs 04-2025
06-2025: 1.4%▼ -0.1 percentage points vs 05-2025
07-2025: 1.5%▲ +0.1 percentage points vs 06-2025
08-2025: 1.8%▲ +0.3 percentage points vs 07-2025
09-2025: 2.1%▲ +0.3 percentage points vs 08-2025highest value
10-2025: 1.0%▼ -1.1 percentage points vs 09-2025
11-2025: 1.0%● unchanged vs 10-2025
12-2025: 1.0%● unchanged vs 11-2025
01-2026: 0.9%▼ -0.1 percentage points vs 12-2025
02-2026: 0.9%● unchanged vs 01-2026
03-2026: 0.9%● unchanged vs 02-2026
04-2026: 0.9%● unchanged vs 03-2026
05-2026: 0.9%● unchanged vs 04-2026
06-2026: 0.8%▼ -0.1 percentage points vs 05-2026lowest value
07-2026: 0.9%▲ +0.1 percentage points vs 06-2026
08-2026: 1.3%▲ +0.4 percentage points vs 07-2026
09-2026: 1.5%▲ +0.2 percentage points vs 08-2026
10-2026: 1.5%● unchanged vs 09-2026
11-2026: 1.5%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€20,775
Sector: Food and beverage service activities (NACE 56)
Loss of €25,354 (financial year 2025)
lowers risk
Size: total assets €292,304
Calculation
The band follows from the bankruptcy probability. 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 56, micro). It does better than 23% of them on solvency, 44% on liquidity, 28% on profitability and 1% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 2,796 companies had the same profile as ARMOBO has now. Each dot stands for 7 companies, two years later.
90.3%
were still trading
6.0%
stopped another way
2.1%
went bankrupt
Another 1.5% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of ARMOBO itself: 1.5% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,796 companies, not a prediction for ARMOBO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.58 (0.53 in 2024), below 1. Short-term debt is 92.2% and cash 38.4% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€20,775
raises risk · 2025 accounts filed 28 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
28 days late
2024
28 days late
2023
21 days late
2022
31 days late
2021
127 days late
2020
165 days late
2019
189 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 84 days after the deadline. In the sector (NACE 56), the median for financial year 2024 was 7 days after the deadline, and 53% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 28 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0462088402
Change of role: Dominique DEGIVES, from manager to director
Appointment: Philippe BOSCO (director) · “Le secteur de l’horeca en général,restaurants,service traiteur,etc; La gérance de tous établissements,sociétés…” (deed in French) · Legal-form conversion: from private limited company (pre-2019) to private limited company · General meeting of 05-09-2024 · Gazette deed
First establishment
LA FERME D'ABONDANCE, Chaussée de Gembloux, Tong. 26, Sombreffe
Incorporation
published on 19-12-1997 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| ARMOBO Sombreffe | €292,304 | €237,823 | -7.1% | - |
| Q-MER Sambreville | €296,513 | €211,565 | 37.5% | - |
| CHEZ MARIE Couvin | €243,778 | €238,764 | 20.8% | - |
| Manjefiek Wetteren | €292,433 | €234,360 | 12.8% | - |
| Nieuw Swatow Antwerp | €289,295 | €228,711 | 57.5% | - |
| COMTES DE CHAMPAGNE Hannut | €300,760 | €243,652 | 0.4% | 3.5 |
| Gelkle Horeca Sint-Truiden | €305,256 | €251,310 | 87.5% | - |
These companies have the same main activity as ARMOBO: full-service restaurants (NACE 56111). They are comparable in size and age: total assets between €244,000 and €305,000, founded between 1994 and 1999.
Official details
Source: KBO- Status
- Active since 11-12-1997Normal situation
- Activity
- Full-service restaurantsNACE 56111and 2 others
- Establishment unit
- 2.085.072.4085140 Sombreffe, since 20-01-1998
- Financial year end
- 31 December
- Peppol
- Reachable since 16-01-2026
Annual accounts 2025
- ≈ €690,000estimated
- €292,304▲ 23.0%
- ≈ 5.3 FTEestimated
- Filing
- Filed on 28-08-2026
Insights on ARMOBO
ARMOBO files the micro format. That format states no turnover. The gross margin rose from €77,100 in 2006 to €237,823 in 2025.
The balance sheet grew most from 2014 to 2016 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about ARMOBO
- What is the company number of ARMOBO?
- The company number of ARMOBO is 0462.088.402. The VAT number is the same number with BE in front: BE 0462.088.402.
- Where is ARMOBO based?
- The registered office is at Chaussée de Gembloux, Tong. 64, 5140 Sombreffe.Company details
- What does ARMOBO do?
- According to the KBO register, the main activity is full-service restaurants (NACE 56111).
- What is the legal form of ARMOBO?
- ARMOBO is a private limited company (BV).
- When was ARMOBO founded?
- ARMOBO was founded on 11-12-1997.
- Is ARMOBO still active?
- Yes, ARMOBO is an active enterprise in the KBO register.
- How many employees does ARMOBO have?
- ARMOBO had an average of 5.6 full-time equivalents in financial year 2019, according to the filed annual accounts.Financials
- What is the turnover of ARMOBO?
- The turnover in financial year 2025 is ≈ €690,000. This figure is estimated from the gross margin of €237,823 and 87 comparable companies (NACE 56111). It probably lies between €580,000 and €840,000.
- Is ARMOBO profitable?
- In financial year 2025, ARMOBO made a loss of €25,354.
- Where can I find the annual accounts of ARMOBO?
- ARMOBO filed 28 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of ARMOBO due?
- ARMOBO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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