ARNAUD
ActiveSummary
ARNAUD has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €559,909 and a net result of €117,892. Equity is growing by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 78% of 4695 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2023
Profitability85▲+23
Solvency89▲+4
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45,000 at 30 days acceptable
Liquidity ample (current ratio 6.35 against 1.18 in 2023; short-term debt: 12.9% and cash: 36% of total assets), and 36.4% of the assets are financed with debt.
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Signals
Four 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
63.6%
Return on assets
13.4%
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 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2023
156 d late
2022
131 d early
2021
60 d early
2020
37 d early
2019
44 d early
2018
35 d 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 22 days before the deadline; the sector median for financial year 2023 is on the deadline day, and 49% of the sector filed late.
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
27-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#6 company by equity in Oupeye, Other services sector#7 company by total assets in Oupeye, Other services sector#8 oldest company in Oupeye, Other services sector
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€117,892▲ 848%
2023 · €12,440
Working capital
€609,936▲ 1,665%
2023 · €34,550
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232025
Operating result€12,336▼ 77.8%€30,002▲ 143%€80,910▲ 170%€16,422▼ 79.7%€122,224-
Net result€1,225▼ 96.7%€15,581▲ 1,172%€52,783▲ 239%€12,440▼ 76.4%€117,892-
Equity€346,057▲ 0.4%€361,638▲ 4.5%€414,421▲ 14.6%€426,862▲ 3.0%€559,909-
Total assets€698,681▼ 6.2%€678,510▼ 2.9%€690,004▲ 1.7%€716,374▲ 3.8%€880,774-
Debt€330,670▼ 11.9%€297,224▼ 10.1%€257,507▼ 13.4%€281,842▲ 9.5%€320,865-
Working capital-€36,804▼ 12.5%-€15,871▲ 56.9%€36,554€34,550▼ 5.5%€609,936-
Result per fiscal year
Operating resultNet result
The operating result is €122,224 in 2025, compared with €16,422 in 2023. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Assets €880,774
Fixed assets
€156,859 ▼ 68.1%
Current assets
€723,915 ▲ 221%
Equity and liabilities €880,774
Equity
€559,909 ▲ 31.2%
Provisions
€0 ▼ 100%
Debt
€320,865 ▲ 13.8%
Debt's share of the balance-sheet total falls from 39.3% to 36.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€131,903▲
2023 · €32,717
Cash flow
€127,571▲
2023 · €28,736
Current ratio
6.35▲
2023 · 1.18
Debt to equity
0.57▼
2023 · 0.66
ROE
21.1%▲
2023 · 2.9%
ROA
13.4%▲
2023 · 1.7%
Interest coverage
28.74▲
2023 · 4.89
Debt ≤ 1 year
€113,980▼
2023 · €190,686
Debt > 1 year
€70,540▼
2023 · €91,156
Income taxes
€43,950▲
2023 · €19,723
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 20,082 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 95% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
4.7%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 20,082 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €37,023 | €35,140 | €27,612 | €16,295 | €9,679 | - |
| Other operating charges640/8 | - | - | €9,461 | €8,063 | €4,292 | - |
| Gross operating margin9900 | €55,774 | €70,578 | €117,983 | €40,780 | €136,195 | - |
| Operating profit (loss)9901 | €12,336 | €30,002 | €80,910 | €16,422 | €122,224 | - |
| Financial income75/76B | - | - | €0 | €12,032 | €44,207 | - |
| Recurring financial income75 | €13 | €0 | €0 | €12,032 | €44,207 | - |
| Financial charges65/66B | - | - | €7,680 | €6,696 | €4,590 | - |
| Recurring financial charges65 | €10,909 | €9,418 | €7,680 | €6,696 | €4,590 | - |
| Profit (loss) for the period before taxes9903 | €1,440 | €20,584 | €73,230 | €21,758 | €161,841 | - |
| Transfer from deferred taxes780 | - | - | €1,572 | €10,406 | - | - |
| Income taxes67/77 | €2,706 | €7,309 | €22,019 | €19,723 | €43,950 | - |
| Profit (loss) for the period9904 | €1,225 | €15,581 | €52,783 | €12,440 | €117,892 | - |
| Transfer from tax-exempt reserves789 | - | - | €7,705 | €51,040 | - | - |
| Profit (loss) for the period to be appropriated9905 | €13,432 | €26,888 | €60,488 | €63,480 | €117,892 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €698,681 | €678,510 | €690,004 | €716,374 | €880,774 | - |
| Fixed assets21/28 | €568,247 | €532,971 | €506,610 | €491,138 | €156,859 | - |
| Tangible fixed assets22/27 | €323,976 | €288,835 | €261,224 | €259,339 | €155,059 | - |
| Land and buildings22 | - | - | €258,706 | €259,339 | €155,059 | - |
| Plant, machinery and equipment23 | - | - | €2,518 | €0 | - | - |
| Financial fixed assets28 | €244,271 | €244,136 | €245,386 | €231,800 | €1,800 | - |
| Current assets29/58 | €130,434 | €145,538 | €183,394 | €225,235 | €723,915 | - |
| Stocks and contracts in progress3 | €396 | €567 | €477 | €2,244 | - | - |
| Stocks30/36 | - | - | €477 | €2,244 | - | - |
| Amounts receivable within one year40/41 | €123,459 | €139,794 | €176,699 | €203,687 | €406,818 | - |
| Trade receivables40 | - | - | €97,993 | €132,342 | €18,658 | - |
| Other amounts receivable41 | - | - | €78,706 | €71,345 | €388,160 | - |
| Cash at bank and in hand54/58 | €4,941 | €3,487 | €5,626 | €18,659 | €316,719 | - |
| Deferred charges and accrued income490/1 | - | - | €592 | €645 | €379 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €698,681 | €678,510 | €690,004 | €716,374 | €880,774 | - |
| Equity10/15 | €346,057 | €361,638 | €414,421 | €426,862 | €559,909 | - |
| Contributions10/11 | - | - | €18,592 | €18,592 | €18,592 | - |
| Reserves13 | €92,219 | €80,912 | €73,207 | €22,167 | €16,935 | - |
| Non-distributable reserves130/1 | - | - | €1,859 | - | - | - |
| Reserves not available under the articles1311 | - | - | €1,859 | - | - | - |
| Tax-exempt reserves132 | - | - | €71,348 | €20,308 | €15,076 | - |
| Distributable reserves133 | - | - | - | €1,859 | €1,859 | - |
| Profit (loss) carried forward14 | €235,246 | €262,134 | €322,622 | €386,103 | €524,382 | - |
| Provisions and deferred taxes16 | €21,954 | €19,648 | €18,076 | €7,670 | - | - |
| Deferred taxes168 | - | - | €18,076 | €7,670 | - | - |
| Amounts payable17/49 | €330,670 | €297,224 | €257,507 | €281,842 | €320,865 | - |
| Amounts payable after more than one year17 | €163,432 | €135,814 | €110,667 | €91,156 | €70,540 | - |
| Financial debts170/4 | - | - | €110,667 | €91,156 | €70,540 | - |
| Amounts payable within one year42/48 | €167,238 | €161,409 | €146,839 | €190,686 | €113,980 | - |
| Current portion of amounts payable after more than one year42 | - | - | €23,367 | €17,731 | - | - |
| Financial debts43 | - | - | - | €16,924 | - | - |
| Credit institutions430/8 | - | - | - | €16,924 | - | - |
| Trade debts44 | €49,327 | €38,757 | €40,805 | €15,159 | €6,258 | - |
| Suppliers440/4 | - | - | €40,805 | €15,159 | €6,258 | - |
| Taxes, remuneration and social security45 | - | - | €31,905 | €48,284 | €44,101 | - |
| Taxes450/3 | - | - | €31,905 | €24,201 | €44,101 | - |
| Remuneration and social security454/9 | - | - | - | €24,084 | - | - |
| Other amounts payable47/48 | - | - | €50,762 | €92,587 | €63,621 | - |
| Accrued charges and deferred income492/3 | - | - | - | - | €136,345 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1,225 | €15,581 | €52,783 | €12,440 | €117,892 | - |
| + Depreciation and write-downs630 | €37,023 | €35,140 | €27,612 | €16,295 | €9,679 | - |
| Operating cash flow (approximation) | €38,247 | €50,722 | €80,394 | €28,736 | €127,571 | - |
| Investment in fixed assets (approximation) | - | €135 | -€1,250 | -€824 | - | - |
| Change in cash | - | -€1,454 | €2,138 | €13,034 | - | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €117,892 ▲848%
Operating result €122,224, net result €117,892, both a record.
30-09
Financial
Liquidity times 5current ratio 6.35
Current ratio from 1.18 to 6.35; short-term debt falls from €190,686 to €113,980.
30-09
Financial
Equity above €500,000Eq €559,909 ▲31.2%
7 profitable years in a row build equity to €559,909.
2024
03-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 156 days late
2022
20-12
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
01-03
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
24-03
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-09
Financial
Weakest financial yearnet €1,225 ▼96.7%
Net result drops to €1,225, the lowest in the series; recovery starts the following year.
17-03
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
26-03
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
15-03
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
28-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
14-03
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Oupeye · 1 establishment unit since 1996
Ground area
544 m²
Building footprint
227 m²
Volume, LiDAR
2,361 m³
2 parcels, Wallonia · tallest building 15.8 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Rue Xhavée 30, 4800 Verviers
since 19962.075.129.116
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62109B0479/00D002indicative | Wallonia | 349 m² | 1 · 188 m² | 11.4 m · 3 fl. |
| 63079A0667/00E000 | Wallonia | 195 m² | 1 · 39 m² | 15.8 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
2 holdingsOwners 0
The accounts to 30-09-2022 list no shareholders, and no other source names one.
Holdings 2
-
100%
-
99.84%
According to the annual accounts to 30-09-2022 of ARNAUD and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 998 companies in sector 96102 we hold annual accounts for 458. 215 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded06-07-1995
Fiscal year end30-09
Activities, NACEBEL 2025
96102Launderettes and laundries for private customers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0455649481
Also
9925:BE0455649481
Registered
31-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.