Financials
- Fiscal year
- 2025
- Total assets
- €2.0m
- Profit
- €270,139
- Solvency
- 44.5%
Total assets▲ 69.9%
Net result
20192025
Arvaro
ActiveSummary
Arvaro has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €888,732 and a net result of €270,139. Equity is growing by ~44.6% per year across the filed fiscal years. Its solvency ranks better than 58% of 11293 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
Activity
Retail sale of cars and light vans (up to 3.5 tonnes)
NACE 47811General maintenance and repair of cars and light vans (up to 3.5 tonnes) NACE 95311
1 site
Size
€2.0mtotal assets 2025
- Staff
- 1 FTE
- Equity
- €888,732
- Profit
- €270,139
Turnover not published (abridged schema)
Structure
Accounts 44 d early0 of 2 deeds read
Why 90- Sector Retail trade (NACE 47)+ Size: 1 FTE, total assets €2.0m+ Figures for FY 2025 (filed 17-06-2026)+ Equity €888,732 (44.5% of total assets)Show the evidence
Checked score
Score 2025
90
/ 100
Excellent
Probability in this band: under 0.55%
Better than 66% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
70-8
equity 44.5% of total assets
Liquidity
43-16
short-term debt 36.2% · cash 7.3%
Profitability
86+4
return on assets 13.5%
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 13 months
10-2025: 0.2%
11-2025: 0.2%▼ -7.2% vs 10-2025
12-2025: 0.2%▼ -6.6% vs 11-2025lowest value
01-2026: 0.2%● 0.0% vs 12-2025lowest value
02-2026: 0.2%▲ +0.6% vs 01-2026
03-2026: 0.2%▲ +4.1% vs 02-2026
04-2026: 0.2%▲ +17.5% vs 03-2026
05-2026: 0.2%▼ -10.1% vs 04-2026
06-2026: 0.2%▲ +13.9% vs 05-2026
07-2026: 0.2%▲ +15.0% vs 06-2026highest value
08-2026: 0.2%▼ -10.2% vs 07-2026
09-2026: 0.2%● 0.0% vs 08-2026
10-2026: 0.2%● 0.0% vs 09-2026
- Size: 1 FTE, total assets €2.0m lowers the probability for this profile
- Figures for FY 2025 (filed 17-06-2026) lowers the probability
- Sector Retail trade (NACE 47) raises the probability
- Equity €888,732 (44.5% of total assets) lowers the probability
Credit up to €75,000 at 30 days acceptable
Liquidity tight (current ratio 1.23 against 5.09 in 2024; short-term debt: 36.2% and cash: 7.3% of total assets), and 55.5% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 59%, liquidity 41%, profitability 80%, growth against the median 84%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○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 17-06-2026, 44 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
44 d early
2024
42 d early
2023
34 d early
2022
40 d early
2021
39 d early
2020
7 d early
2019
50 d early
← 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 37 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% 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. Usually files around 21 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Highest result since 2019net €270,139 ▲119%
- Annual accounts filedfiscal year 2024 · abbreviated…
Key points
- Positive: Result rose in 2025from €123,347 to €270,139 ▲ 119% View
- Positive: Among the best 9% on net resultsector median €28,692 · 11,279 companies €270,139 View
- Positive: Always filed on timeaccounts within the deadline every year 7 years View
- Positive: 7 profitable years in a rowprofit 2025: €270,139 7 years View
By topic
Timeline
- Events
- 13
- Since
- 2020
- Next accounts
- by 31-07-2027
- 17-06-2026Annual accounts filed
- 31-12-2025Highest result since 2019
- 19-06-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company (pre-2019)
- Activity
- Retail sale of cars and light vans (up…NACE 47811
- Founded
- 09-03-2018
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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