ARNDT Eric
ActiveARNDT Eric has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €71k and a net result of €44k. Equity is growing by ~19.3% per year across the filed fiscal years. Its solvency ranks better than 34% of 7293 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
83
/ 100
Excellent▲ +13 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency45▼-55
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.03 against 3.66 in 2024), and 71.5% 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.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
28.5%
Return on assets
17.8%
Age of the figures
8 mo
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
31 d early
2023
32 d early
2022
35 d early
2021
32 d early
2020
4 d early
2019
92 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€71k▼ 57.6%
2024 · €167k
2018: €57k
2019: €73k
2020: €81k
2021: €103k
2022: €126k
2023: €171k
2024: €167k
2018 → 2025
Total assets
€249k▲ 12.3%
2024 · €222k
2018: €222k
2019: €230k
2020: €200k
2021: €199k
2022: €268k
2023: €244k
2024: €222k
2018 → 2025
Net result
€44k
2024 · €-4k
2018: €14k
2019: €19k
2020: €11k
2021: €25k
2022: €24k
2023: €45k
2024: €-4k
2018 → 2025
Working capital
€5k▼ 94.6%
2024 · €92k
2018: €22k
2019: €55k
2020: €48k
2021: €59k
2022: €49k
2023: €102k
2024: €92k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€103k-€126k▲ 22.6%€171k▲ 35.7%€167k▼ 2.1%€71k▼ 57.6%
Operating result€35k-€32k▼ 9.3%€66k▲ 107%€-480€65k
Net result€25k-€24k▼ 2.8%€45k▲ 84.9%€-4k€44k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €65k after a loss of €480 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €249k
Fixed assets
€74k▼ 22.5%
Current assets
€175k▲ 38.7%
Equity and liabilities €249k
Equity
€71k▼ 57.6%
Debt
€178k▲ 225%
The debt ratio rises from 24.7% to 71.5%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€84k▲
2024 · €24k
Cash flow
€64k▲
2024 · €21k
Solvency
28.5%▼
2024 · 75.3%
Current ratio
1.03▼
2024 · 3.66
Quick ratio
1.01▼
2024 · 3.55
Debt / equity
2.51▲
2024 · 0.33
ROE
62.6%▲
2024 · -2.1%
ROA
17.8%▲
2024 · -1.6%
Interest coverage
38.49▲
2024 · 8.13
Debt
€178k▲
2024 · €55k
Debt ≤ 1 year
€170k▲
2024 · €34k
Debt > 1 year
€6k▼
2024 · €20k
Income taxes
€18k▲
2024 · €159
Staff costs
€122k▲
2024 · €117k
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€222k€249k▲
Fixed assets21/28€96k€74k▼
Tangible fixed assets22/27€93k€72k▼
Land and buildings22€48k€44k▼
Plant, machinery and equipment23€14k€16k▲
Furniture and vehicles24€31k€12k▼
Financial fixed assets28€3k€3k=
Current assets29/58€126k€175k▲
Stocks and contracts in progress3€4k€3k▼
Stocks30/36€4k€3k▼
Amounts receivable within one year40/41€2k€15k▲
Trade receivables40€2k€15k▲
Other amounts receivable41€242€99▼
Cash at bank and in hand54/58€99k€142k▲
Deferred charges and accrued income490/1€21k€14k▼
Equity and liabilities
Total equity and liabilities10/49€222k€249k▲
Equity10/15€167k€71k▼
Contributions10/11€19k€64k▲
Reserves13€102k-
Distributable reserves133€102k-
Profit (loss) carried forward14€46k€6k▼
Amounts payable17/49€55k€178k▲
Amounts payable after more than one year17€20k€6k▼
Financial debts170/4€20k€6k▼
Amounts payable within one year42/48€34k€170k▲
Current portion of amounts payable after more than one year42€14k€14k▲
Trade debts44€14k€1k▼
Suppliers440/4€14k€1k▼
Taxes, remuneration and social security45€7k€38k▲
Taxes450/3€2k€35k▲
Remuneration and social security454/9€5k€3k▼
Other amounts payable47/48-€116k
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Remuneration, social security and pensions62€117k€122k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€20k▼
Other operating charges640/8€5k€6k▲
Gross operating margin9900€146k€212k▲
Operating profit (loss)9901€-480€65k▲
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€-3k€62k▲
Income taxes67/77€159€18k▲
Profit (loss) for the period9904€-4k€44k▲
Profit (loss) for the period to be appropriated9905€-4k€44k▲
Appropriation of the result
Profit (loss) to be appropriated9906€46k€90k▲
Profit (loss) brought forward from the previous period14P€50k€46k▼
Transfer from equity791/2-€101k
Transfer to equity691/2-€44k
To other reserves6921-€44k
Profit to be distributed694/7-€141k
Return on contributions (dividend)694-€141k
The notes to these accounts (12 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Back to profitnet €44k
Net result €44k after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-4k ▼108%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €45k ▲84.9%
Operating result €66k, net result €45k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 3.66
Current ratio from 1.60 to 3.66; short-term debt falls from €82k to €39k.
31-12
Financial
Equity above €150kEq €171k ▲35.7%
6 profitable years in a row build equity to €171k.
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €103k ▲27.3%
4 profitable years in a row build equity to €103k.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Hamois · 1 establishment unit since 1998
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 de Buresse 21A5360 HamoisGround area
3,547 m²
Building footprint
529 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
Chemin du Blanc-bleu 38, 5590 Ciney
since 19982.085.659.257
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91030B0199/00F002 | Wallonia | 2,359 m² | 1 · 399 m² | - |
| 91059E0408/00E000 | Wallonia | 1,188 m² | 1 · 130 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
DESIMPELAERE CONSTRUCT
BE 0446.856.432
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B2B-ECOBOUW
BE 0799.182.109
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KEIRSBILCK PETER
BE 0869.622.717
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RE-NIBO
BE 0464.678.795
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OB-T
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Of 29,531 companies in sector 41001 we hold annual accounts for 15,864. 13,089 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-02-1998
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
45211
43110Demolition
45111
46831Wholesale of construction materials, general range
47521Retail sale of hardware, building materials, paint and glass (general range)
51532
52461
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.