ARNONE
ActiveSummary
ARNONE has been active since 1980 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €699,582 and a net result of €43,281. Equity is growing by ~6% per year across the filed fiscal years. Its solvency ranks better than 67% of 4209 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability67▲+1
Solvency77=
Growth78=
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 1.63 against 1.63 in 2024; short-term debt: 41.5% and cash: 12.5% of total assets), and 47.8% of the assets are financed with debt.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
52.2%
Return on assets
3.2%
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 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
35 d late
2023
141 d late
2022
123 d late
2021
147 d late
2020
144 d late
2019
42 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 95 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€43,281▲ 54.9%
2024 · €27,935
Working capital
€351,675▲ 9.5%
2024 · €321,062
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
Line20212022202320242025
Operating result€164,495▲ 44.7%€116,537▼ 29.2%€81,093▼ 30.4%€65,803▼ 18.9%€84,660▲ 28.7%
Net result€113,375▲ 46.5%€69,846▼ 38.4%€53,195▼ 23.8%€27,935▼ 47.5%€43,281▲ 54.9%
Equity€505,326▲ 28.9%€575,172▲ 13.8%€628,366▲ 9.2%€656,302▲ 4.4%€699,582▲ 6.6%
Total assets€1.3m▲ 12.0%€1.4m▲ 6.5%€1.2m▼ 11.2%€1.3m▲ 1.3%€1.3m▲ 5.9%
Debt€814,636▲ 3.5%€830,459▲ 1.9%€620,040▼ 25.3%€608,487▼ 1.9%€640,369▲ 5.2%
Working capital€270,513▲ 42.9%€298,737▲ 10.4%€289,526▼ 3.1%€321,062▲ 10.9%€351,675▲ 9.5%
Staff (FTE)6.4▼ 9.9%6.6▲ 3.1%5.8▼ 12.1%7.7▲ 32.8%7▼ 9.1%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 29% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.3m
Fixed assets
€432,602 ▲ 0.1%
Current assets
€907,349 ▲ 9.0%
Equity and liabilities €1.3m
Equity
€699,582 ▲ 6.6%
Debt
€640,369 ▲ 5.2%
Debt's share of the balance-sheet total falls from 48.1% to 47.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€126,492▲
2024 · €105,831
Cash flow
€85,112▲
2024 · €67,963
Current ratio
1.63▲
2024 · 1.63
Quick ratio
0.70▲
2024 · 0.59
Debt to equity
0.92▼
2024 · 0.93
ROE
6.2%▲
2024 · 4.3%
ROA
3.2%▲
2024 · 2.2%
Interest coverage
5.25▼
2024 · 5.35
Debt ≤ 1 year
€555,675▲
2024 · €511,673
Debt > 1 year
€73,772▼
2024 · €85,928
Income taxes
€20,712▲
2024 · €18,521
Staff costs
€459,763▲
2024 · €449,655
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 16,986 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
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 16,986 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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €5,240 | €5,372 | - | - | €2,355 | - |
| Remuneration, social security and pensions62 | €317,179 | €382,338 | €401,638 | €449,655 | €459,763 | ▲ 2.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €33,790 | €35,091 | €37,604 | €40,027 | €41,832 | ▲ 4.5% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | -€161 | €15,217 | €2,538 | €211 | -€15,190 | ▼ 7,288% |
| Other operating charges640/8 | €10,558 | €39,550 | €36,911 | €27,282 | €30,505 | ▲ 11.8% |
| Non-recurring operating charges66A | €299 | - | €9 | - | - | - |
| Gross operating margin9900 | €526,160 | €588,733 | €559,792 | €582,979 | €601,569 | ▲ 3.2% |
| Operating profit (loss)9901 | €164,495 | €116,537 | €81,093 | €65,803 | €84,660 | ▲ 28.7% |
| Financial income75/76B | €9,138 | €75 | €20,269 | €426 | €3,436 | ▲ 706% |
| Recurring financial income75 | €138 | €75 | €20,269 | €426 | €3,436 | ▲ 706% |
| Non-recurring financial income76B | €9,000 | - | - | - | - | - |
| Financial charges65/66B | €17,309 | €16,487 | €17,216 | €19,773 | €24,104 | ▲ 21.9% |
| Recurring financial charges65 | €17,309 | €16,487 | €17,216 | €19,773 | €24,104 | ▲ 21.9% |
| Profit (loss) for the period before taxes9903 | €156,324 | €100,125 | €84,146 | €46,456 | €63,992 | ▲ 37.7% |
| Income taxes67/77 | €42,949 | €30,279 | €30,952 | €18,521 | €20,712 | ▲ 11.8% |
| Profit (loss) for the period9904 | €113,375 | €69,846 | €53,195 | €27,935 | €43,281 | ▲ 54.9% |
| Profit (loss) for the period to be appropriated9905 | €113,375 | €69,846 | €53,195 | €27,935 | €43,281 | ▲ 54.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.3m | €1.4m | €1.2m | €1.3m | €1.3m | ▲ 5.9% |
| Fixed assets21/28 | €401,174 | €422,151 | €424,171 | €432,053 | €432,602 | ▲ 0.1% |
| Tangible fixed assets22/27 | €400,174 | €421,151 | €423,170 | €431,053 | €431,602 | ▲ 0.1% |
| Land and buildings22 | €357,667 | €341,200 | €363,691 | €378,457 | €358,582 | ▼ 5.3% |
| Plant, machinery and equipment23 | €12,951 | €10,476 | €8,000 | €18,480 | €17,380 | ▼ 5.9% |
| Furniture and vehicles24 | €23,283 | €64,191 | €47,184 | €30,811 | €53,323 | ▲ 73.1% |
| Other tangible fixed assets26 | €6,273 | €5,284 | €4,295 | €3,306 | €2,317 | ▼ 29.9% |
| Financial fixed assets28 | €1,001 | €1,001 | €1,001 | €1,001 | €1,001 | = |
| Current assets29/58 | €918,788 | €983,480 | €824,235 | €832,736 | €907,349 | ▲ 9.0% |
| Stocks and contracts in progress3 | €434,488 | €492,672 | €512,672 | €531,447 | €518,921 | ▼ 2.4% |
| Stocks30/36 | €434,488 | €492,672 | €512,672 | €531,447 | €518,921 | ▼ 2.4% |
| Amounts receivable within one year40/41 | €273,396 | €249,217 | €232,855 | €244,088 | €201,157 | ▼ 17.6% |
| Trade receivables40 | €273,345 | €245,785 | €230,819 | €236,342 | €194,186 | ▼ 17.8% |
| Other amounts receivable41 | €52 | €3,432 | €2,035 | €7,747 | €6,971 | ▼ 10.0% |
| Current investments50/53 | €99,024 | €99,024 | - | - | - | - |
| Cash at bank and in hand54/58 | €97,992 | €135,189 | €62,179 | €39,458 | €167,719 | ▲ 325% |
| Deferred charges and accrued income490/1 | €13,888 | €7,378 | €16,530 | €17,742 | €19,552 | ▲ 10.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.3m | €1.4m | €1.2m | €1.3m | €1.3m | ▲ 5.9% |
| Equity10/15 | €505,326 | €575,172 | €628,366 | €656,302 | €699,582 | ▲ 6.6% |
| Contributions10/11 | €148,736 | €148,736 | €148,736 | €148,736 | €148,736 | = |
| Capital10 | €148,736 | €148,736 | €148,736 | €148,736 | €148,736 | = |
| Issued capital100 | €148,736 | €148,736 | €148,736 | €148,736 | €148,736 | = |
| Reserves13 | €27,231 | €27,231 | €27,231 | €27,231 | €27,231 | = |
| Non-distributable reserves130/1 | €25,000 | €25,000 | €25,000 | €25,000 | €25,000 | = |
| Legal reserve130 | €25,000 | €25,000 | €25,000 | €25,000 | €25,000 | = |
| Tax-exempt reserves132 | €2,231 | €2,231 | €2,231 | €2,231 | €2,231 | = |
| Profit (loss) carried forward14 | €329,359 | €399,205 | €452,399 | €480,335 | €523,615 | ▲ 9.0% |
| Amounts payable17/49 | €814,636 | €830,459 | €620,040 | €608,487 | €640,369 | ▲ 5.2% |
| Amounts payable after more than one year17 | €166,362 | €145,591 | €85,214 | €85,928 | €73,772 | ▼ 14.1% |
| Financial debts170/4 | €166,362 | €145,591 | €85,214 | €85,928 | €73,772 | ▼ 14.1% |
| Amounts payable within one year42/48 | €648,275 | €684,743 | €534,709 | €511,673 | €555,675 | ▲ 8.6% |
| Current portion of amounts payable after more than one year42 | €54,969 | €63,307 | €60,377 | €72,686 | €36,388 | ▼ 49.9% |
| Financial debts43 | €6,588 | €6,588 | €8,146 | €8,025 | €8,034 | ▲ 0.1% |
| Credit institutions430/8 | €6,588 | €6,588 | €8,146 | €8,025 | €8,034 | ▲ 0.1% |
| Trade debts44 | €199,328 | €229,855 | €227,743 | €219,190 | €208,745 | ▼ 4.8% |
| Suppliers440/4 | €199,328 | €229,855 | €227,743 | €219,190 | €208,745 | ▼ 4.8% |
| Taxes, remuneration and social security45 | €79,193 | €85,168 | €64,489 | €76,720 | €72,628 | ▼ 5.3% |
| Taxes450/3 | €41,032 | €43,467 | €12,732 | €16,501 | €13,929 | ▼ 15.6% |
| Remuneration and social security454/9 | €38,161 | €41,701 | €51,757 | €60,219 | €58,699 | ▼ 2.5% |
| Other amounts payable47/48 | €308,196 | €299,825 | €173,955 | €135,052 | €229,880 | ▲ 70.2% |
| Accrued charges and deferred income492/3 | - | €125 | €116 | €10,886 | €10,923 | ▲ 0.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €113,375 | €69,846 | €53,195 | €27,935 | €43,281 | ▲ 54.9% |
| + Depreciation and write-downs630 | €33,790 | €35,091 | €37,604 | €40,027 | €41,832 | ▲ 4.5% |
| Operating cash flow (approximation) | €147,165 | €104,937 | €90,799 | €67,963 | €85,112 | ▲ 25.2% |
| Investment in fixed assets (approximation) | - | -€56,067 | -€39,624 | -€47,910 | -€42,381 | ▲ 11.5% |
| Change in cash | - | €37,197 | -€73,010 | -€22,721 | €128,261 | ▲ 665% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
2025
04-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 35 days late
2024
19-12
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 141 days late
2023
01-12
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 123 days late
2022
25-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 147 days late
2021
31-12
Financial
Highest result since 2018net €113,375 ▲46.5%
Operating result €164,495, net result €113,375, both a record.
31-12
Financial
Equity above €500,000Eq €505,326 ▲28.9%
4 profitable years in a row build equity to €505,326.
22-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 144 days late
2020
11-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 42 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 61 days late
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 14 days late
2017
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 61 days late
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.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Seraing · 1 establishment unit since 1980
Ground area
909 m²
Building footprint
141 m²
Volume, LiDAR
1,034 m³
Parcel 62353D0314/00E014, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Avenue de la Concorde 166, 4100 Seraing
since 19802.017.876.350
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62353D0314/00E014 | Wallonia | 909 m² | 1 · 141 m² | 8.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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
COMPTOIR EUROPEEN DU PNEU
BE 0443.669.783
Wavre · Eq €699,307
BANDEN RONNIE EN TECHNIEK
BE 0467.529.805
Tessenderlo-Ham · Eq €697,073
CARTRONICS
BE 0444.959.685
Wavre · Eq €694,937
AUTOCENTER DE RUDDER
BE 0899.506.041
Hoeilaart · Eq €707,003
AWZ
BE 0701.797.176
La Louvière · Eq €688,588
Of 2,444 companies in sector 47820 we hold annual accounts for 780. 433 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded12-09-1980
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
47820Retail sale of motor vehicle parts and accessories
E-invoicing
Reachable via Peppol
Peppol ID
0208:0420751455
Also
9925:BE0420751455
Registered
17-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.