ARRIFI

Active

Private limited companyfounded 20223 yrs activeVifquinstraat 37, 1030 Schaarbeek, BelgiumKBO/BCE: BE 0793.500.481

The computed 12-month bankruptcy probability of ARRIFI is 5.2% (elevated). The 2024 annual accounts show equity of €5k and a net result of €3k. Its solvency ranks better than 21% of 1307 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

41 / 100

Weak

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability75▲+10

Solvency34▼-57

Growth78

Track record94

Bankruptcy probability, 12 months

5.2% Elevated

0%0.5%1.5%4%10%≥ 25%

No publishable credit limit; credit only on tighter terms

Liquidity short (current ratio 0.71; short-term debt: 90.7% and cash: 18.6% of total assets), and 90.7% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 52

Relative position

BE, all sectors

reference

Sector 52

higher

← fewer bankruptcies more bankruptcies →

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 2024

Solvency, return and age of the figures

Solvency

9.3%

Return on assets

4.7%

Age of the figures

21 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 1307 sector peers (2024).

NBB · sector comparison

Position among 1307 sector peers

Solvency

better than 21%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 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 · 2 filings

Deviation from the deadline

2025

not confirmed

2024

31 d late

2023

1 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€5k▲ 104%

2023 · €2k

2023: €2k

2023 → 2024

Total assets

€53k▲ 1,348%

2023 · €4k

2023: €4k

2023 → 2024

Net result

€3k▲ 525%

2023 · €401

2023: €401

2023 → 2024

Working capital

€-14k

2023 · €2k

2023: €2k

2023 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20232024Trend

Equity€2k-€5k▲ 104%

Operating result€570-€4k▲ 584%

Net result€401-€3k▲ 525%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result rises in 2024; 2024 is 584% above 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €53k

35.3%

64.7%

Fixed assets €19k

Current assets €34k

Equity and liabilities €53k

90.7%

Equity €5k▲ 104%

Debt €48k▲ 3,732%

The debt ratio rises from 34.3% to 90.7%. Equity and debt are higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€5k

Cash flow

€4k

Solvency

9.3%

Current ratio

0.71

Quick ratio

0.64

Debt / equity

9.78

ROE

51.1%

ROA

4.7%

Interest coverage

7.05

Debt

€48k▲

2023 · €1k

Debt ≤ 1 year

€48k▲

2023 · €1k

Income taxes

€626▲

2023 · €100

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€4k€53k▲

Fixed assets21/28-€19k

Intangible fixed assets21-€19k

Current assets29/58€4k€34k▲

Stocks and contracts in progress3-€4k

Stocks30/36-€4k

Amounts receivable within one year40/41€3k€20k▲

Trade receivables40€3k€20k▲

Other amounts receivable41-€51

Cash at bank and in hand54/58€14€10k▲

Deferred charges and accrued income490/1€641€303▼

Equity and liabilities

Total equity and liabilities10/49€4k€53k▲

Equity10/15€2k€5k▲

Contributions10/11€2k€2k=

Outside capital11€2k€2k=

Other1109/19€2k€2k=

Profit (loss) carried forward14€401€3k▲

Amounts payable17/49€1k€48k▲

Amounts payable within one year42/48€1k€48k▲

Trade debts44€206€6k▲

Suppliers440/4€206€6k▲

Taxes, remuneration and social security45€327€727▲

Taxes450/3€327€727▲

Other amounts payable47/48€719€41k▲

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€2k

Other operating charges640/8€85€209▲

Gross operating margin9900€655€6k▲

Operating profit (loss)9901€570€4k▲

Financial charges65/66B€69€770▲

Recurring financial charges65€69€770▲

Profit (loss) for the period before taxes9903€501€3k▲

Income taxes67/77€100€626▲

Profit (loss) for the period9904€401€3k▲

Profit (loss) for the period to be appropriated9905€401€3k▲

Appropriation of the result

Profit (loss) to be appropriated9906€401€3k▲

Profit (loss) brought forward from the previous period14P-€401

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 2Filings 2

2025

31-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 31 days late

2024

30-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

NBB filing

Directors · office · real estate

Directors

2 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, Schaarbeek · 1 establishment unit since 2023

establishment The establishment unit on the map

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.

Vifquinstraat 371030 Schaarbeek

Ground area

112 m²

Building footprint

81 m²

Volume, LiDAR

956 m³

Parcel 21906D0324/00Z002, Brussels · tallest building 16.9 m, ±5 floors. Linked by address, not a title deed.

1 establishment unit

ARRIFI

Vifquinstraat 37, 1030 SchaarbeekRetail trade

since 20232.341.681.453

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21906D0324/00Z002	Brussels	112 m²	1 · 81 m²	16.9 m · 5 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.

Recognitions · licences · registrations

Food safety, FASFC

1 site

Schaarbeek2.341.681.453

1 permission

Ambulante detailhandel LM>3 maand · since 10-02-2024

Similar companies · same sector, comparable size

Of 3,191 companies in sector 52250 we hold annual accounts for 1,956. 428 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded10-11-2022

Fiscal year end31-12

Activities, NACEBEL

52250Logistics services

52290Warehousing and support activities for transportation

53100Postal and courier activities

53200Other postal and courier activities

Sources

Crossroads Bank for EnterprisesNational Bank · 2 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.