ARO CONCEPTS
ActiveSummary
The computed 12-month bankruptcy probability of ARO CONCEPTS is 1.7% (moderate). The 2025 annual accounts show equity of €71k and a net result of €6k. Equity is growing by ~12.1% per year across the filed fiscal years. Its solvency ranks better than 52% of 18400 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability73=
Solvency62▼-38
Growth52=
Track record94
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 2.01 against 8.75 in 2024; short-term debt: 48.3% and cash: 19% of total assets), but 63.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+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 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
36.9%
Return on assets
3%
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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
16 d late
2022
11 d early
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€71k▲ 9.0%
2024 · €65k
2022: €42klowest in 4 years
2023: €63k▲ +47.7% vs 2022
2024: €65k▲ +4.3% vs 2023
2025: €71k▲ +9.0% vs 2024highest in 4 years
2022 → 2025
Total assets
€193k▲ 135%
2024 · €82k
2022: €50klowest in 4 years
2023: €70k▲ +41.9% vs 2022
2024: €82k▲ +16.7% vs 2023
2025: €193k▲ +135% vs 2024highest in 4 years
2022 → 2025
Net result
€6k▲ 119%
2024 · €3k
2022: €40khighest in 4 years
2023: €20k▼ -49.3% vs 2022
2024: €3k▼ -86.8% vs 2023lowest in 4 years
2025: €6k▲ +119% vs 2024
2022 → 2025
Working capital
€94k▲ 41.5%
2024 · €67k
2022: €42klowest in 4 years
2023: €60k▲ +40.9% vs 2022
2024: €67k▲ +11.8% vs 2023
2025: €94k▲ +41.5% vs 2024highest in 4 years
2022 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€42k-€63k▲ 47.7%€65k▲ 4.3%€71k▲ 9.0%
2022: €42klowest in 4 years
2023: €63k▲ +47.7% vs 2022
2024: €65k▲ +4.3% vs 2023
2025: €71k▲ +9.0% vs 2024highest in 4 years
Operating result€50k-€25k▼ 49.1%€6k▼ 76.1%€10k▲ 70.1%
2022: €50khighest in 4 years
2023: €25k▼ -49.1% vs 2022
2024: €6k▼ -76.1% vs 2023lowest in 4 years
2025: €10k▲ +70.1% vs 2024
Net result€40k-€20k▼ 49.3%€3k▼ 86.8%€6k▲ 119%
2022: €40khighest in 4 years
2023: €20k▼ -49.3% vs 2022
2024: €3k▼ -86.8% vs 2023lowest in 4 years
2025: €6k▲ +119% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 70% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €193k
Fixed assets
€5k ▼ 23.8%
Current assets
€187k ▲ 149%
Equity and liabilities €193k
Equity
€71k ▲ 9.0%
Debt
€122k ▲ 620%
Debt's share of the balance-sheet total rises from 20.6% to 63.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€13k▲
2024 · €8k
Cash flow
€9k▲
2024 · €4k
Current ratio
2.01▼
2024 · 8.75
Debt to equity
1.71▲
2024 · 0.26
ROE
8.2%▲
2024 · 4.1%
ROA
3.0%▼
2024 · 3.2%
Interest coverage
99.12▼
2024 · 121.59
Debt ≤ 1 year
€93k▲
2024 · €9k
Income taxes
€4k▲
2024 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€82k€193k▲
Fixed assets21/28€7k€5k▼
Intangible fixed assets21-€833
Tangible fixed assets22/27€7k€4k▼
Land and buildings22€2k€2k▼
Plant, machinery and equipment23€5k€3k▼
Current assets29/58€75k€187k▲
Amounts receivable within one year40/41€41k€150k▲
Trade receivables40€20k€88k▲
Other amounts receivable41€21k€62k▲
Cash at bank and in hand54/58€34k€37k▲
Deferred charges and accrued income490/1€0€965▲
Equity and liabilities
Total equity and liabilities10/49€82k€193k▲
Equity10/15€65k€71k▲
Contributions10/11€3k€3k=
Reserves13€63k€69k▲
Distributable reserves133€63k€69k▲
Amounts payable17/49€17k€122k▲
Amounts payable within one year42/48€9k€93k▲
Financial debts43€70€3k▲
Credit institutions430/8€70€3k▲
Trade debts44€4k€0▼
Suppliers440/4€4k€0▼
Taxes, remuneration and social security45€142€5k▲
Taxes450/3€142€5k▲
Other amounts payable47/48€4k€85k▲
Accrued charges and deferred income492/3€8k€29k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€601€945▲
Gross operating margin9900€8k€14k▲
Operating profit (loss)9901€6k€10k▲
Financial income75/76B€10€4▼
Recurring financial income75€10€4▼
Financial charges65/66B€63€132▲
Recurring financial charges65€63€132▲
Profit (loss) for the period before taxes9903€6k€10k▲
Income taxes67/77€3k€4k▲
Profit (loss) for the period9904€3k€6k▲
Profit (loss) for the period to be appropriated9905€3k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€6k▲
Transfer to equity691/2€3k€6k▲
To other reserves6921€3k€6k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €246 | €2k | €3k | ▲ 81.6% |
| Other operating charges640/8 | €903 | €510 | €601 | €945 | ▲ 57.1% |
| Gross operating margin9900 | €51k | €26k | €8k | €14k | ▲ 71.3% |
| Operating profit (loss)9901 | €50k | €25k | €6k | €10k | ▲ 70.1% |
| Financial income75/76B | - | - | €10 | €4 | ▼ 57.6% |
| Recurring financial income75 | - | - | €10 | €4 | ▼ 57.6% |
| Financial charges65/66B | €20 | €6 | €63 | €132 | ▲ 112% |
| Recurring financial charges65 | €20 | €6 | €63 | €132 | ▲ 112% |
| Profit (loss) for the period before taxes9903 | €50k | €25k | €6k | €10k | ▲ 69.5% |
| Income taxes67/77 | €10k | €5k | €3k | €4k | ▲ 29.7% |
| Profit (loss) for the period9904 | €40k | €20k | €3k | €6k | ▲ 119% |
| Profit (loss) for the period to be appropriated9905 | €40k | €20k | €3k | €6k | ▲ 119% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €50k | €70k | €82k | €193k | ▲ 135% |
| Fixed assets21/28 | - | €3k | €7k | €5k | ▼ 23.8% |
| Intangible fixed assets21 | - | - | - | €833 | - |
| Tangible fixed assets22/27 | - | €3k | €7k | €4k | ▼ 36.0% |
| Land and buildings22 | - | €3k | €2k | €2k | ▼ 27.7% |
| Plant, machinery and equipment23 | - | - | €5k | €3k | ▼ 40.1% |
| Current assets29/58 | €50k | €67k | €75k | €187k | ▲ 149% |
| Amounts receivable within one year40/41 | €20k | €38k | €41k | €150k | ▲ 264% |
| Trade receivables40 | €17k | €36k | €20k | €88k | ▲ 340% |
| Other amounts receivable41 | €3k | €2k | €21k | €62k | ▲ 194% |
| Cash at bank and in hand54/58 | €30k | €27k | €34k | €37k | ▲ 7.0% |
| Deferred charges and accrued income490/1 | - | €3k | €0 | €965 | - |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €50k | €70k | €82k | €193k | ▲ 135% |
| Equity10/15 | €42k | €63k | €65k | €71k | ▲ 9.0% |
| Contributions10/11 | €3k | €3k | €3k | €3k | = |
| Reserves13 | €40k | €60k | €63k | €69k | ▲ 9.3% |
| Distributable reserves133 | €40k | €60k | €63k | €69k | ▲ 9.3% |
| Amounts payable17/49 | €7k | €8k | €17k | €122k | ▲ 620% |
| Amounts payable within one year42/48 | €7k | €8k | €9k | €93k | ▲ 981% |
| Financial debts43 | - | - | €70 | €3k | ▲ 4,147% |
| Credit institutions430/8 | - | - | €70 | €3k | ▲ 4,147% |
| Trade debts44 | €3k | €5k | €4k | €0 | ▼ 100% |
| Suppliers440/4 | €3k | €5k | €4k | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | €801 | €134 | €142 | €5k | ▲ 3,688% |
| Taxes450/3 | €801 | €134 | €142 | €5k | ▲ 3,688% |
| Other amounts payable47/48 | €3k | €3k | €4k | €85k | ▲ 1,906% |
| Accrued charges and deferred income492/3 | - | - | €8k | €29k | ▲ 244% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €40k | €20k | €3k | €6k | ▲ 119% |
| + Depreciation and write-downs630 | - | €246 | €2k | €3k | ▲ 81.6% |
| Operating cash flow (approximation) | €40k | €20k | €4k | €9k | ▲ 105% |
| Investment in fixed assets (approximation) | - | - | €-5k | €-1k | ▲ 78.1% |
| Change in cash | - | €-3k | €8k | €2k | ▼ 68.3% |
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 · micro schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €3k ▼86.8%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
16-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 16 days late
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Hechtel-Eksel · 1 establishment unit since 2021
Ground area
1,428 m²
Building footprint
183 m²
Volume, LiDAR
726 m³
Parcel 72013C0380/00F000, Flanders · tallest building 13.6 m, ±1 floor. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Aro Optics
since 20212.324.118.317
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72013C0380/00F000 | Flanders | 1,428 m² | 1 · 183 m² | 13.6 m · 1 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 4,095 EUR awarded · 4,095 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 4,095 EUR | 4,095 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,070 companies in sector 47741 we hold annual accounts for 644. 465 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded28-10-2021
Fiscal year end31-12
Activities, NACEBEL 2025
47741Retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses
31004Manufacture of dining room, living room, bedroom and bathroom furniture
46190Agents in non-specialised wholesale trade
47559Retail sale of other household articles
71112Activities of interior architects
71121Engineering and related technical consultancy, excluding land surveyors
74140Other specialised design activities
82100Office administrative and support services
Scores and ratios are computed by Checked and are not a credit decision.