Arnaud BOSCOLO
ActiveThe computed 12-month bankruptcy probability of Arnaud BOSCOLO is 2.9% (moderate). The 2025 annual accounts show equity of €34k and a net result of €-19k. Equity is growing by ~37.7% per year across the filed fiscal years. Its solvency ranks better than 26% of 27407 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
Axes · tick = 2024
Profitability0▼-100
Solvency46▼-30
Growth52▼-26
Stability94
Bankruptcy probability, 12 months
2.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity tight (current ratio 1.44 against 2.09 in 2024), and 75.3% 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.
+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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
24.7%
Return on assets
-14.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
24 d late
2024
89 d late
2023
89 d late
2022
49 d late
2021
120 d late
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€34k▼ 36.4%
2024 · €53k
2021: €13k
2022: €27k
2023: €37k
2024: €53k
2021 → 2025
Total assets
€136k▼ 11.4%
2024 · €154k
2021: €24k
2022: €51k
2023: €128k
2024: €154k
2021 → 2025
Net result
€-19k
2024 · €16k
2021: €9k
2022: €14k
2023: €10k
2024: €16k
2021 → 2025
Working capital
€30k▼ 44.1%
2024 · €54k
2021: €12k
2022: €27k
2023: €31k
2024: €54k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€13k-€27k▲ 105%€37k▲ 36.2%€53k▲ 42.2%€34k▼ 36.4%
Operating result€12k-€19k▲ 63.3%€15k▼ 25.0%€24k▲ 61.4%€-17k
Net result€9k-€14k▲ 50.3%€10k▼ 29.4%€16k▲ 58.7%€-19k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €17k after €24k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €136k
Fixed assets
€37k▼ 26.7%
Current assets
€99k▼ 3.8%
Equity and liabilities €136k
Equity
€34k▼ 36.4%
Debt
€102k▲ 1.8%
The debt ratio rises from 65.5% to 75.3%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-180▼
2024 · €31k
Cash flow
€-2k▼
2024 · €23k
Solvency
24.7%▼
2024 · 34.5%
Current ratio
1.44▼
2024 · 2.09
Quick ratio
1.44▼
2024 · 2.09
Debt / equity
3.05▲
2024 · 1.90
ROE
-57.3%▼
2024 · 29.7%
ROA
-14.2%▼
2024 · 10.2%
Interest coverage
-0.07▼
2024 · 11.42
Debt
€102k▲
2024 · €101k
Debt ≤ 1 year
€69k▲
2024 · €49k
Debt > 1 year
€34k▼
2024 · €45k
Staff costs
€8k
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€154k€136k▼
Fixed assets21/28€51k€37k▼
Tangible fixed assets22/27€51k€37k▼
Furniture and vehicles24€51k€37k▼
Current assets29/58€103k€99k▼
Amounts receivable within one year40/41€74k€97k▲
Trade receivables40€35k€76k▲
Other amounts receivable41€40k€21k▼
Cash at bank and in hand54/58€28k€0▼
Deferred charges and accrued income490/1€55€2k▲
Equity and liabilities
Total equity and liabilities10/49€154k€136k▼
Equity10/15€53k€34k▼
Contributions10/11€4k€4k=
Profit (loss) carried forward14€49k€30k▼
Amounts payable17/49€101k€102k▲
Amounts payable after more than one year17€45k€34k▼
Financial debts170/4€45k€34k▼
Amounts payable within one year42/48€49k€69k▲
Current portion of amounts payable after more than one year42€8k€7k▼
Trade debts44€24k€19k▼
Suppliers440/4€24k€19k▼
Taxes, remuneration and social security45€17k€43k▲
Taxes450/3€17k€43k▲
Remuneration and social security454/9-€269
Accrued charges and deferred income492/3€7k-
Income statement
Code20242025
Remuneration, social security and pensions62-€8k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€17k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€3k
Other operating charges640/8€2k€791▼
Gross operating margin9900€33k€12k▼
Operating profit (loss)9901€24k€-17k▼
Financial income75/76B-€796
Recurring financial income75-€796
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€21k€-19k▼
Income taxes67/77€5k-
Profit (loss) for the period9904€16k€-19k▼
Profit (loss) for the period to be appropriated9905€16k€-19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€49k€30k▼
Profit (loss) brought forward from the previous period14P€33k€49k▲
The notes to these accounts (6 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-12
Financial
Weakest financial yearnet €-19k ▼223%
Net result drops to €-19k, the lowest in the series.
28-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 89 days late
2024
31-12
Financial
Highest result since 2021net €16k ▲58.7%
Operating result €24k, net result €16k, both a record.
28-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 89 days late
2023
18-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 49 days late
2022
28-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 120 days late
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, Hamois · 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.
Rue des Papillons, Schaltin 645364 HamoisGround area
1,973 m²
Building footprint
93 m²
Parcel 91116A0524/00A000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Arnaud BOSCOLO
since 20202.311.961.049
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91116A0524/00A000 | Wallonia | 1,972 m² | 1 · 93 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.
Similar companies · same sector, comparable size
NVB
BE 0741.414.451
Ichtegem · Eq €34k
Construct. Renove. Service
BE 0726.568.602
Fontaine-l'Evêque · Eq €34k
ABS PUR
BE 0632.468.308
Liège · Eq €34k
ISOBATI'S
BE 0801.584.640
Tienen · Eq €33k
A.T.A.D
BE 0461.806.310
Nandrin · Eq €33k
Of 4,245 companies in sector 43230 we hold annual accounts for 1,230. 968 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-12-2020
Fiscal year end31-12
Activities, NACEBEL
43230Insulation installation
43291Specialised construction activities
43320Joinery installation
43990Other specialised construction activities
43999Specialised construction activities
47522Retail trade
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.