Summary
Arol Consult is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €10k and a net result of €-2k. Equity is growing by ~9.5% per year across the filed fiscal years. Its solvency ranks better than 88% of 1475 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 29-07-2026, 2 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
2 d early
2024
31 d early
2023
27 d late
2022
23 d late
2021
19 d early
2020
23 d late
2019
12 d late
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€10k▼ 36.2%
2024 · €16k
2019: €10k
2020: €11k
2021: €13k
2022: €14k
2023: €16k
2024: €16k
2019 → 2025
Net result
€-2k
2024 · €209
2019: €3k
2020: €848
2021: €2k
2022: €1k
2023: €1k
2024: €209
2019 → 2025
Total assets
€12k▼ 41.7%
2024 · €20k
2019: €11k
2020: €13k
2021: €13k
2022: €15k
2023: €17k
2024: €20k
2019 → 2025
Solvency
86.5%▲ 7.4pp
2024 · 79.1%
2019: 93.6%
2020: 84.5%
2021: 96.2%
2022: 94.0%
2023: 91.3%
2024: 79.1%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€13k-€14k▲ 11.4%€16k▲ 10.8%€16k▲ 1.3%€10k▼ 36.2%
Operating result€3k-€2k▼ 26.7%€2k▼ 14.9%€338▼ 79.3%€-2k
Net result€2k-€1k▼ 28.8%€1k▼ 14.3%€209▼ 83.3%€-2k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €2k after €338 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €12k
Fixed assets
€915 ▼ 26.6%
Current assets
€11k ▼ 42.7%
Equity and liabilities €12k
Equity
€10k ▼ 36.2%
Debt
€2k ▼ 62.4%
Debt's share of the balance-sheet total falls from 20.9% to 13.5%. Equity and debt are lower.
Key figures and ratios
ROE
-18.0%▼
2024 · 1.3%
ROA
-15.6%▼
2024 · 1.0%
Debt ≤ 1 year
€2k▼
2024 · €4k
Income taxes
€0▼
2024 · €82
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 · 36 lines
Balance sheet
Code20242025
Assets
Total assets20/58€20k€12k▼
Fixed assets21/28€1k€915▼
Tangible fixed assets22/27€1k€915▼
Furniture and vehicles24€1k€915▼
Current assets29/58€19k€11k▼
Amounts receivable within one year40/41€1k€35▼
Trade receivables40€1k€0▼
Other amounts receivable41-€35
Cash at bank and in hand54/58€18k€11k▼
Equity and liabilities
Total equity and liabilities10/49€20k€12k▼
Equity10/15€16k€10k▼
Contributions10/11€8k€4k▼
Outside capital11€8k€4k▼
Share premium1100/10€8k€4k▼
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€7k€5k▼
Amounts payable17/49€4k€2k▼
Amounts payable within one year42/48€4k€2k▼
Trade debts44€174€0▼
Suppliers440/4€174€0▼
Taxes, remuneration and social security45€4k€2k▼
Taxes450/3€4k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€331€331=
Other operating charges640/8€261€66▼
Gross operating margin9900€930€-1k▼
Operating profit (loss)9901€338€-2k▼
Financial charges65/66B€47€48▲
Recurring financial charges65€47€48▲
Profit (loss) for the period before taxes9903€291€-2k▼
Income taxes67/77€82€0▼
Profit (loss) for the period9904€209€-2k▼
Profit (loss) for the period to be appropriated9905€209€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€7k€5k▼
Profit (loss) brought forward from the previous period14P€6k€7k▲
The notes to these accounts (13 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-2k ▼986%
Net result drops to €-2k, the lowest in the series.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity quadruplescurrent ratio 26.14
Current ratio from 6.44 to 26.14; short-term debt falls from €2k to €512.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
12-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 12 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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 2018
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 l'Eglise 74100 SeraingGround area
630 m²
Building footprint
152 m²
Volume, LiDAR
1,197 m³
Parcel 62019A0261/00X005, Wallonia · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue de l'Eglise 7, 4100 Seraing
since 20182.276.615.932
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62019A0261/00X005 | Wallonia | 629 m² | 1 · 152 m² | 10.6 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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
ETABLISSEMENTS PELSMAEKERS
BE 0651.586.513
Lasne · Eq €10,201
BLYGEDACHT'
BE 1006.427.953
Hasselt · Eq €10,199
PARCIALFINANCE
BE 0649.611.572
Etterbeek · Eq €10,150
AFIMACO
BE 0879.567.888
Overijse · Eq €10,118
LaLo
BE 0781.789.217
Dilsen-Stokkem · Eq €10,445
Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 1,022 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formCooperative company
Founded27-04-2018
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
66199Other activities auxiliary to financial services, excluding insurance and pension funding
68110Buying and selling of own real estate
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.