ARNIS
ActiveSummary
ARNIS has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€63,382) and a net result of €14,672. Equity is shrinking by ~10.2% per year across the filed fiscal years. Its solvency ranks better than 7% of 11502 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+100
Solvency0=
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.15 against 0.01 in 2024; short-term debt: 213.9% and cash: 0.2% of total assets), and equity is negative.
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Signals
Six 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
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
-166.5%
Return on assets
38.5%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 7% of 11502 sector peers (2025).
NBB · sector comparisonPosition among 11502 sector peers
Solvency
better than 7%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
20 d late
2023
30 d late
2022
106 d late
2021
89 d late
2020
30 d late
2019
117 d late
← 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 55 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 31 August (4 of the last 5 filed years within 58 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€14,672
2024 · -€19,315
Working capital
-€69,093▼ 0.1%
2024 · -€69,037
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€14,161€8,723-€13,898-€18,639▼ 34.1%€3,607
Net result-€16,220below the sector's middle half€7,109within the sector's middle half-€18,769below the sector's middle half-€19,315below the sector's middle half▼ 2.9%€14,672within the sector's middle half
Equity-€47,078below the sector's middle half▼ 52.6%-€39,970below the sector's middle half▲ 15.1%-€58,739below the sector's middle half▼ 47.0%-€78,054below the sector's middle half▼ 32.9%-€63,382below the sector's middle half▲ 18.8%
Total assets€31,361below the sector's middle half▲ 142%€27,206below the sector's middle half▼ 13.2%€43,069below the sector's middle half▲ 58.3%€11,762below the sector's middle half▼ 72.7%€38,072below the sector's middle half▲ 224%
Debt€78,439▲ 79.0%€67,176▼ 14.4%€101,809▲ 51.6%€89,816▼ 11.8%€101,454▲ 13.0%
Working capital-€43,435below the sector's middle half▼ 284%-€32,479below the sector's middle half▲ 25.2%-€67,748below the sector's middle half▼ 109%-€69,037below the sector's middle half▼ 1.9%-€69,093below the sector's middle half▼ 0.1%
Solvency-150.1%below the sector's middle half▲ 88.1pp-146.9%below the sector's middle half▲ 3.2pp-136.4%below the sector's middle half▲ 10.5pp-663.6%below the sector's middle half▼ 527.2pp-166.5%below the sector's middle half▲ 497.1pp
Current ratio0.26below the sector's middle half▼ 0.270.31below the sector's middle half▲ 0.050.17below the sector's middle half▼ 0.140.01below the sector's middle half▼ 0.160.15below the sector's middle half▲ 0.14
Return on assets (ROA)-51.7%below the sector's middle half▼ 121.4pp26.1%above the sector's middle half▲ 77.8pp-43.6%below the sector's middle half▼ 69.7pp-164.2%below the sector's middle half▼ 120.6pp38.5%above the sector's middle half▲ 202.7pp
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €3,607 after a loss of €18,639 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €38,072
Fixed assets
€25,711 ▲ 134%
Current assets
€12,361 ▲ 1,486%
Key figures and ratios
EBITDA
€17,996▲
2024 · -€613
Cash flow
€29,061▲
2024 · -€1,288
Debt to equity
-1.60▼
2024 · -1.15
Interest coverage
36.28▲
2024 · -0.95
Debt ≤ 1 year
€81,454▲
2024 · €69,816
Debt > 1 year
€20,000=
2024 · €20,000
Income taxes
€620▲
2024 · €70
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,798 companies that looked in July 2024 the way this one looks now, 2.5% went bankrupt within 24 months and 91% are still going.
- Micro
- 20 years or older
- negative equity
- a profit of 5% of the balance sheet or more
2.5%
went bankrupt
5.3%
stopped otherwise
91%
still going
A further 0.8% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% 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 497,662 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% | 1.7% |
| 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 75% 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 3,798 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,322 | €3,848 | €8,489 | €18,027 | €14,389 | ▼ 20.2% |
| Other operating charges640/8 | €951 | €632 | €928 | €783 | €1,725 | ▲ 120% |
| Gross operating margin9900 | -€9,888 | €13,203 | -€4,482 | €171 | €19,721 | ▲ 11,464% |
| Operating profit (loss)9901 | -€14,161 | €8,723 | -€13,898 | -€18,639 | €3,607 | ▲ 119% |
| Financial income75/76B | - | €1 | €0 | €40 | €12,180 | ▲ 30,064% |
| Recurring financial income75 | - | €1 | €0 | €40 | €1 | ▼ 97.5% |
| Non-recurring financial income76B | - | - | - | - | €12,179 | - |
| Financial charges65/66B | €162 | €811 | €4,182 | €646 | €496 | ▼ 23.3% |
| Recurring financial charges65 | €162 | €811 | €491 | €646 | €496 | ▼ 23.3% |
| Non-recurring financial charges66B | - | - | €3,691 | - | - | - |
| Profit (loss) for the period before taxes9903 | -€14,323 | €7,913 | -€18,080 | -€19,245 | €15,292 | ▲ 179% |
| Income taxes67/77 | €1,897 | €804 | €689 | €70 | €620 | ▲ 787% |
| Profit (loss) for the period9904 | -€16,220 | €7,109 | -€18,769 | -€19,315 | €14,672 | ▲ 176% |
| Profit (loss) for the period to be appropriated9905 | -€16,220 | €7,109 | -€18,769 | -€19,315 | €14,672 | ▲ 176% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €31,361 | €27,206 | €43,069 | €11,762 | €38,072 | ▲ 224% |
| Fixed assets21/28 | €16,357 | €12,509 | €29,009 | €10,983 | €25,711 | ▲ 134% |
| Tangible fixed assets22/27 | €16,357 | €12,509 | €29,009 | €10,983 | €25,711 | ▲ 134% |
| Furniture and vehicles24 | €16,357 | €12,509 | €29,009 | €10,983 | €25,711 | ▲ 134% |
| Current assets29/58 | €15,004 | €14,697 | €14,060 | €779 | €12,361 | ▲ 1,486% |
| Amounts receivable within one year40/41 | €13,169 | €9,757 | €9,779 | - | €12,282 | - |
| Trade receivables40 | €11,979 | €9,757 | €9,757 | - | €7,781 | - |
| Other amounts receivable41 | €1,190 | - | €22 | - | €4,501 | - |
| Cash at bank and in hand54/58 | €55 | €2,402 | €2,329 | €779 | €79 | ▼ 89.9% |
| Deferred charges and accrued income490/1 | €1,781 | €2,539 | €1,953 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €31,361 | €27,206 | €43,069 | €11,762 | €38,072 | ▲ 224% |
| Equity10/15 | -€47,078 | -€39,970 | -€58,739 | -€78,054 | -€63,382 | ▲ 18.8% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Capital10 | €18,600 | - | - | - | - | - |
| Issued capital100 | €18,600 | - | - | - | - | - |
| Profit (loss) carried forward14 | -€65,678 | -€58,570 | -€77,339 | -€96,654 | -€81,982 | ▲ 15.2% |
| Amounts payable17/49 | €78,439 | €67,176 | €101,809 | €89,816 | €101,454 | ▲ 13.0% |
| Amounts payable after more than one year17 | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Other amounts payable178/9 | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Amounts payable within one year42/48 | €58,439 | €47,176 | €81,809 | €69,816 | €81,454 | ▲ 16.7% |
| Trade debts44 | €12,777 | €335 | €3,363 | €1,445 | €4,168 | ▲ 188% |
| Suppliers440/4 | €12,777 | €335 | €3,363 | €1,445 | €4,168 | ▲ 188% |
| Advances received on contracts in progress46 | €500 | €500 | - | - | - | - |
| Taxes, remuneration and social security45 | €1,865 | €2,695 | €3,720 | €6,084 | €4,199 | ▼ 31.0% |
| Taxes450/3 | €1,865 | €2,695 | €3,720 | €6,084 | €4,199 | ▼ 31.0% |
| Other amounts payable47/48 | €43,297 | €43,646 | €74,725 | €62,287 | €73,087 | ▲ 17.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€16,220 | €7,109 | -€18,769 | -€19,315 | €14,672 | ▲ 176% |
| + Depreciation and write-downs630 | €3,322 | €3,848 | €8,489 | €18,027 | €14,389 | ▼ 20.2% |
| Operating cash flow (approximation) | -€12,898 | €10,956 | -€10,281 | -€1,288 | €29,061 | ▲ 2,356% |
| Investment in fixed assets (approximation) | - | €0 | -€24,989 | €0 | -€29,118 | - |
| Change in cash | - | €2,347 | -€73 | -€1,549 | -€701 | ▲ 54.8% |
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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €14,672
Net result €14,672 after 2 loss-making years.
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
31-12
Financial
Weakest financial yearnet -€19,315
Net result drops to -€19,315, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
14-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 106 days late
2022
31-12
Financial
Back to profitnet €7,109
Net result €7,109 after one loss-making year.
28-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 89 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
2020
31-12
Financial
Back to profitnet €9,029
Net result €9,029 after one loss-making year.
25-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 117 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 61 days late
2018
13-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 44 days late
2015
30-10
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 91 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Waterloo · 1 establishment unit since 2001
Ground area
696 m²
Building footprint
256 m²
2 parcels, Wallonia. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
USEFUL EVENT COMMUNICATION
since 20012.085.538.206
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25076C0144/00G000 ProtectedSite or landscape |
Wallonia | 460 m² | 1 · 199 m² | - |
| 25762F0364/00_000 | Wallonia | 235 m² | 1 · 57 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
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Ukkel
This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 1,173 companies in sector 46499 we hold annual accounts for 743. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded16-02-1998
Fiscal year end31-12
Activities, NACEBEL 2025
46499Wholesale of other household goods
46190Agents in non-specialised wholesale trade
E-invoicing
Reachable via Peppol
Peppol ID
0208:0462586961
Also
9925:BE0462586961
Registered
02-04-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.