ARVOS CONSULTING
ActiveARVOS CONSULTING has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €36k and a net result of €23k. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 50% of 7723 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+18
Solvency75▼-25
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 1.77 against 5.64 in 2024; short-term debt: 49.7% and cash: 20.4% of total assets), and 49.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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
50.3%
Return on assets
31.3%
Age of the figures
9 mo
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 16-07-2026, 15 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
15 d early
2024
29 d late
2023
36 d early
2022
28 d early
2021
16 d early
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€36k▼ 56.6%
2024 · €84k
2021: €40k
2022: €82k
2023: €73k
2024: €84k
2021 → 2025
Total assets
€72k▼ 29.0%
2024 · €102k
2021: €64k
2022: €133k
2023: €110k
2024: €102k
2021 → 2025
Net result
€23k▲ 104%
2024 · €11k
2021: €38k
2022: €42k
2023: €-10k
2024: €11k
2021 → 2025
Working capital
€28k▼ 66.4%
2024 · €82k
2021: €38k
2022: €80k
2023: €71k
2024: €82k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€40k-€82k▲ 104%€73k▼ 11.7%€84k▲ 15.3%€36k▼ 56.6%
Operating result€54k-€59k▲ 7.9%€-6k€19k€34k▲ 82.8%
Net result€38k-€42k▲ 10.4%€-10k€11k€23k▲ 104%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 83% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €72k
Fixed assets
€9k▲ 413%
Current assets
€64k▼ 36.5%
Equity and liabilities €72k
Equity
€36k▼ 56.6%
Debt
€36k▲ 98.5%
The debt ratio rises from 17.8% to 49.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€35k▲
2024 · €20k
Cash flow
€24k▲
2024 · €12k
Solvency
50.3%▼
2024 · 82.2%
Current ratio
1.77▼
2024 · 5.64
Quick ratio
1.77▼
2024 · 5.64
Debt / equity
0.99▲
2024 · 0.22
ROE
62.2%▲
2024 · 13.2%
ROA
31.3%▲
2024 · 10.9%
Interest coverage
18.13▲
2024 · 10.53
Debt
€36k▲
2024 · €18k
Debt ≤ 1 year
€36k▲
2024 · €18k
Income taxes
€10k▲
2024 · €6k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€102k€72k▼
Fixed assets21/28€2k€9k▲
Tangible fixed assets22/27€2k€9k▲
Plant, machinery and equipment23€0€2k▲
Furniture and vehicles24€1k€2k▲
Other tangible fixed assets26€687€5k▲
Current assets29/58€100k€64k▼
Amounts receivable within one year40/41€39k€47k▲
Trade receivables40€35k€43k▲
Other amounts receivable41€4k€4k▼
Cash at bank and in hand54/58€59k€15k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€102k€72k▼
Equity10/15€84k€36k▼
Contributions10/11€3k€3k=
Reserves13€81k€34k▼
Distributable reserves133€81k€34k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€18k€36k▲
Amounts payable within one year42/48€18k€36k▲
Trade debts44€2k€12k▲
Suppliers440/4€2k€12k▲
Taxes, remuneration and social security45€12k€11k▼
Taxes450/3€12k€11k▼
Other amounts payable47/48€4k€13k▲
Accrued charges and deferred income492/3€310€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€915▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€22k€37k▲
Operating profit (loss)9901€19k€34k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€17k€32k▲
Income taxes67/77€6k€10k▲
Profit (loss) for the period9904€11k€23k▲
Profit (loss) for the period to be appropriated9905€11k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€11k€23k▲
Transfer from equity791/2€0€70k▲
Transfer to equity691/2€11k€23k▲
To other reserves6921€11k€23k▲
Profit to be distributed694/7-€70k
Return on contributions (dividend)694-€70k
The notes to these accounts (7 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-10k ▼123%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2021net €42k ▲10.4%
Operating result €59k, net result €42k, both a record.
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Temse · 1 establishment unit since 2020
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.
Eupenlaan 39140 TemseGround area
651 m²
Building footprint
148 m²
Volume, LiDAR
951 m³
Parcel 46302D1365/00W000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ARVOS CONSULTING
since 20202.307.477.471
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46302D1365/00W000 | Flanders | 651 m² | 1 · 148 m² | 9.3 m · 2 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.
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Of 24,501 companies in sector 82990 we hold annual accounts for 9,402. 6,587 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-09-2020
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.