ARNISA
ActiveARNISA has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €127k and a net result of €3k. Equity is growing by ~26.5% per year across the filed fiscal years. Its solvency ranks better than 83% of 13270 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
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
Profitability56▼-25
Solvency94▲+10
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 2.99 against 2.31 in 2024; short-term debt: 30.6% and cash: 60.8% of total assets), and 30.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 56
Relative position
BE, all sectors
reference
Sector 56
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
69.4%
Return on assets
1.5%
Age of the figures
9 mo
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
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 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
60 d early
2024
58 d early
2023
58 d early
2022
48 d early
2021
12 d early
2020
31 d late
2019
42 d early
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€127k▲ 2.2%
2024 · €125k
2018: €22k
2019: €37k
2020: €50k
2021: €50k
2022: €70k
2023: €104k
2024: €125k
2018 → 2025
Total assets
€183k▼ 12.6%
2024 · €210k
2018: €55k
2019: €59k
2020: €77k
2021: €135k
2022: €137k
2023: €222k
2024: €210k
2018 → 2025
Net result
€3k▼ 86.8%
2024 · €20k
2018: €3k
2019: €15k
2020: €13k
2021: €40k
2022: €21k
2023: €34k
2024: €20k
2018 → 2025
Working capital
€112k▲ 0.1%
2024 · €112k
2018: €6k
2019: €20k
2020: €38k
2021: €39k
2022: €61k
2023: €97k
2024: €112k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€50k-€70k▲ 41.7%€104k▲ 48.0%€125k▲ 19.5%€127k▲ 2.2%
Operating result€55k-€31k▼ 44.7%€53k▲ 74.6%€34k▼ 36.7%€6k▼ 81.7%
Net result€40k-€21k▼ 48.1%€34k▲ 63.0%€20k▼ 39.9%€3k▼ 86.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 82% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €183k
Fixed assets
€16k▲ 16.5%
Current assets
€168k▼ 14.6%
Equity and liabilities €183k
Equity
€127k▲ 2.2%
Debt
€56k▼ 34.1%
The debt ratio falls from 40.6% to 30.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€9k▼
2024 · €36k
Cash flow
€6k▼
2024 · €23k
Solvency
69.4%▲
2024 · 59.4%
Current ratio
2.99▲
2024 · 2.31
Quick ratio
2.85▲
2024 · 2.24
Debt / equity
0.44▼
2024 · 0.68
ROE
2.1%▼
2024 · 16.3%
ROA
1.5%▼
2024 · 9.7%
Interest coverage
4.27▼
2024 · 27.16
Debt
€56k▼
2024 · €85k
Debt ≤ 1 year
€56k▼
2024 · €85k
Income taxes
€2k▼
2024 · €12k
Staff costs
€26k▲
2024 · €18k
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€210k€183k▼
Fixed assets21/28€13k€16k▲
Tangible fixed assets22/27€13k€16k▲
Plant, machinery and equipment23€3k€7k▲
Furniture and vehicles24€638€267▼
Other tangible fixed assets26€10k€8k▼
Current assets29/58€196k€168k▼
Stocks and contracts in progress3€6k€8k▲
Stocks30/36€6k€8k▲
Amounts receivable within one year40/41€5k€4k▼
Trade receivables40€5k€3k▼
Other amounts receivable41-€1k
Cash at bank and in hand54/58€136k€111k▼
Deferred charges and accrued income490/1€49k€44k▼
Equity and liabilities
Total equity and liabilities10/49€210k€183k▼
Equity10/15€125k€127k▲
Contributions10/11€6k€6k=
Reserves13€77k€80k▲
Distributable reserves133€77k€80k▲
Profit (loss) carried forward14€41k€41k=
Amounts payable17/49€85k€56k▼
Amounts payable within one year42/48€85k€56k▼
Financial debts43€2k-
Credit institutions430/8€2k-
Trade debts44€24k€26k▲
Suppliers440/4€24k€26k▲
Taxes, remuneration and social security45€39k€21k▼
Taxes450/3€36k€16k▼
Remuneration and social security454/9€3k€4k▲
Other amounts payable47/48€20k€9k▼
Accrued charges and deferred income492/3€358-
Income statement
Code20242025
Remuneration, social security and pensions62€18k€26k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€399€2k▲
Gross operating margin9900€55k€37k▼
Operating profit (loss)9901€34k€6k▼
Financial income75/76B€82€181▲
Recurring financial income75€82€181▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€32k€4k▼
Income taxes67/77€12k€2k▼
Profit (loss) for the period9904€20k€3k▼
Profit (loss) for the period to be appropriated9905€20k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€62k€44k▼
Profit (loss) brought forward from the previous period14P€41k€41k=
Transfer to equity691/2€20k€3k▼
To other reserves6921€20k€3k▼
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
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €3k ▼86.8%
Net result drops to €3k, the lowest in the series.
03-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €104k ▲48%
6 profitable years in a row build equity to €104k.
13-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €40k ▲212%
Operating result €55k, net result €40k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
19-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
12-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Wemmel · 1 establishment unit since 2011
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.
M. Roelantslaan 151780 WemmelGround area
3,045 m²
Building footprint
292 m²
Volume, LiDAR
1,115 m³
2 parcels, Flanders · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Ninoofsesteenweg(P) 153, 1670 Pepingen
since 20112.198.596.060
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22005A0637/00F002 | Flanders | 2,859 m² | 1 · 172 m² | 0.4 m |
| 23064E0110/00T000 | Flanders | 186 m² | 1 · 119 m² | 11.8 m · 3 fl. |
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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Food safety, FASFC
1 sitePepingen2.198.596.060
Similar companies · same sector, comparable size
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CHIVAN
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CEMI
BE 0713.880.606
Houffalize · Eq €127k
ANTONELLA
BE 0881.998.927
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PITA SAN MARCO
BE 0417.966.466
Aartselaar · Eq €127k
Of 21,896 companies in sector 56112 we hold annual accounts for 9,785. 7,500 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-03-2011
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.