ARNAS RETAIL
ActiveSummary
The computed 12-month bankruptcy probability of ARNAS RETAIL is 2.6% (moderate). The 2025 annual accounts show equity of €139k and a net result of €46k. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 73% of 18280 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▼-4
Solvency87▲+27
Growth52▲+20
Track record94
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 1.66 against 0.94 in 2024; short-term debt: 37.1% and cash: 34.2% of total assets), and 38% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
62%
Return on assets
20.5%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 28-04-2026, 2 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
2 d early
2024
58 d early
2023
41 d early
2022
9 d late
2021
1 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · 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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€46k▼ 26.7%
2024 · €63k
2021: €103k
2022: €82k
2023: €101k
2024: €63k
2021 → 2025
Working capital
€55k
2024 · €-10k
2021: €101k
2022: €148k
2023: €221k
2024: €-10k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€118k-€200k▲ 69.7%€301k▲ 50.4%€93k▼ 69.1%€139k▲ 49.4%
Operating result€147k-€129k▼ 12.3%€145k▲ 12.3%€94k▼ 35.0%€74k▼ 21.8%
Net result€103k-€82k▼ 20.1%€101k▲ 22.7%€63k▼ 37.9%€46k▼ 26.7%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 22% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €224k
Fixed assets
€86k ▼ 23.1%
Current assets
€138k ▼ 11.1%
Equity and liabilities €224k
Equity
€139k ▲ 49.4%
Debt
€85k ▼ 51.1%
Debt's share of the balance-sheet total falls from 65.2% to 38.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€99k▼
2024 · €120k
Cash flow
€72k▼
2024 · €88k
Current ratio
1.66▲
2024 · 0.94
Quick ratio
1.10▲
2024 · 0.59
Debt to equity
0.61▼
2024 · 1.87
ROE
33.0%▼
2024 · 67.4%
ROA
20.5%▼
2024 · 23.5%
Interest coverage
6.58▼
2024 · 7.60
Debt ≤ 1 year
€83k▼
2024 · €165k
Debt > 1 year
€2k▼
2024 · €9k
Income taxes
€15k▼
2024 · €19k
Staff costs
€145k▼
2024 · €166k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€267k€224k▼
Fixed assets21/28€111k€86k▼
Tangible fixed assets22/27€111k€86k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€15k€9k▼
Other tangible fixed assets26€94k€75k▼
Current assets29/58€156k€138k▼
Stocks and contracts in progress3€58k€47k▼
Stocks30/36€58k€47k▼
Amounts receivable within one year40/41€4k€15k▲
Trade receivables40€217€169▼
Other amounts receivable41€4k€15k▲
Cash at bank and in hand54/58€94k€76k▼
Equity and liabilities
Total equity and liabilities10/49€267k€224k▼
Equity10/15€93k€139k▲
Contributions10/11€15k€15k=
Profit (loss) carried forward14€78k€124k▲
Amounts payable17/49€174k€85k▼
Amounts payable after more than one year17€9k€2k▼
Financial debts170/4€9k€2k▼
Other amounts payable178/9€0-
Amounts payable within one year42/48€165k€83k▼
Current portion of amounts payable after more than one year42€44k€7k▼
Trade debts44€95k€52k▼
Suppliers440/4€95k€52k▼
Taxes, remuneration and social security45€25k€25k▼
Taxes450/3€2k€2k▲
Remuneration and social security454/9€23k€23k▼
Other amounts payable47/48€565€0▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€166k€145k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€26k▲
Other operating charges640/8€7k€2k▼
Gross operating margin9900€292k€246k▼
Operating profit (loss)9901€94k€74k▼
Financial income75/76B€3k€2k▼
Recurring financial income75€3k€2k▼
Financial charges65/66B€16k€15k▼
Recurring financial charges65€16k€15k▼
Profit (loss) for the period before taxes9903€81k€61k▼
Income taxes67/77€19k€15k▼
Profit (loss) for the period9904€63k€46k▼
Profit (loss) for the period to be appropriated9905€63k€46k▼
Appropriation of the result
Profit (loss) to be appropriated9906€349k€124k▼
Profit (loss) brought forward from the previous period14P€286k€78k▼
Profit to be distributed694/7€271k€0▼
Return on contributions (dividend)694€271k€0▼
Social balance
Average headcount (FTE)90876.8-
The notes to these accounts (7 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
28-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €46k ▼26.7%
Net result drops to €46k, the lowest in the series.
30-09
Financial
Equity above €100kEq €139k ▲49.4%
5 profitable years in a row build equity to €139k.
03-03
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
20-03
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
09-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 9 days late
2022
30-09
Financial
Equity above €200kEq €200k ▲69.7%
2 profitable years in a row build equity to €200k.
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Sint-Gillis (bij-Brussel) · 1 establishment unit since 2020
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.
Charleroise Steenweg 1721060 Sint-Gillis (bij-Brussel)Ground area
242 m²
Building footprint
242 m²
Volume, LiDAR
5,216 m³
Parcel 21013B0335/00Y008, Brussels · tallest building 24.1 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
ARNAS RETAIL
since 20202.308.081.742
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21013B0335/00Y008 | Brussels | 242 m² | 1 · 242 m² | 24.1 m · 8 fl. |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Gillis2.308.081.742
Similar companies · same sector, comparable size
SIGIDEL
BE 1003.591.395
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Atmann
BE 0635.974.461
Antwerpen · Eq €138,669
SVS INVEST
BE 0687.946.467
Gent · Eq €139,144
BABLU
BE 0479.289.569
Gent · Eq €138,413
Ad Prince de Liège
BE 1008.157.523
Sint-Jans-Molenbeek · Eq €139,289
Of 10,519 companies in sector 47110 we hold annual accounts for 5,857. 4,504 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-09-2020
Fiscal year end30-09
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.