ARVY
ActiveThe computed 12-month bankruptcy probability of ARVY is 2.3% (moderate). The 2025 annual accounts show negative equity (€-9k) and a net result of €-4k. Equity is shrinking by ~113.6% per year across the filed fiscal years. Its solvency ranks better than 7% of 949 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency33▼-4
Growth32=
Stability94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.44 against 0.69 in 2024), and equity is negative.
Credit advice for your own amount and term
Signals
Seven 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 · 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 2025Solvency, return and age of the figures
Solvency
-128.3%
Return on assets
-55.2%
Age of the figures
11 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 18
Relative position
BE, all sectors
reference
Sector 18
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year -€9k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 26-03-2026, 35 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
35 d early
2024
42 d early
2023
18 d early
2022
6 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
13-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-9k▼ 75.5%
2024 · €-5k
2022: €15k
2023: €3k
2024: €-5k
2022 → 2025
Total assets
€7k▼ 37.4%
2024 · €11k
2022: €27k
2023: €11k
2024: €11k
2022 → 2025
Net result
€-4k▲ 51.0%
2024 · €-7k
2022: €13k
2023: €-12k
2024: €-7k
2022 → 2025
Working capital
€-9k▼ 75.5%
2024 · €-5k
2022: €5k
2023: €3k
2024: €-5k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€15k-€3k▼ 82.0%€-5k€-9k▼ 75.5%
Operating result€18k-€-11k€-7k▲ 40.5%€-3k▲ 54.1%
Net result€13k-€-12k€-7k▲ 37.6%€-4k▲ 51.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €7k in 2024; the loss shrinks.
Key figures and ratios
Solvency
-128.3%▼
2024 · -45.7%
Current ratio
0.44▼
2024 · 0.69
Quick ratio
0.44▼
2024 · 0.69
Debt / equity
-1.78▲
2024 · -3.19
ROE
43.0%▼
2024 · 154.1%
ROA
-55.2%▲
2024 · -70.5%
Debt
€15k▼
2024 · €15k
Debt ≤ 1 year
€15k▼
2024 · €15k
Income taxes
€145▲
2024 · €139
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€11k€7k▼
Current assets29/58€11k€7k▼
Amounts receivable within one year40/41€2k€1k▼
Trade receivables40€2k€1k▼
Other amounts receivable41-€57
Cash at bank and in hand54/58€2k€778▼
Deferred charges and accrued income490/1€6k€5k▼
Equity and liabilities
Total equity and liabilities10/49€11k€7k▼
Equity10/15€-5k€-9k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€-7k€-11k▼
Amounts payable17/49€15k€15k▼
Amounts payable within one year42/48€15k€15k▼
Trade debts44€997€1k▲
Suppliers440/4€997€1k▲
Advances received on contracts in progress46-€817
Taxes, remuneration and social security45€1k€434▼
Taxes450/3€1k€434▼
Other amounts payable47/48€13k€13k▼
Income statement
Code20242025
Other operating charges640/8€882€872▼
Gross operating margin9900€-6k€-2k▲
Operating profit (loss)9901€-7k€-3k▲
Financial income75/76B€0€33▲
Recurring financial income75€0€33▲
Financial charges65/66B€621€466▼
Recurring financial charges65€621€466▼
Profit (loss) for the period before taxes9903€-7k€-4k▲
Income taxes67/77€139€145▲
Profit (loss) for the period9904€-7k€-4k▲
Profit (loss) for the period to be appropriated9905€-7k€-4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€-11k▼
Profit (loss) brought forward from the previous period14P€123€-7k▼
The notes to these accounts (4 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
26-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
19-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €-12k ▼193%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
24-04
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.
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, Haaltert · 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.
Deyselstraat(DE) 19450 HaaltertGround area
475 m²
Building footprint
113 m²
Volume, LiDAR
777 m³
Parcel 41010C1513/00Y000, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ARVY
since 20202.310.187.038
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41010C1513/00Y000 | Flanders | 475 m² | 1 · 113 m² | 8.8 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 2 entries · 504 EUR awarded · 504 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 344 EUR | 344 EUR |
| 2022 | 1 | 160 EUR | 160 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 2,853 companies in sector 18130 we hold annual accounts for 828. 210 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-11-2020
Fiscal year end30-09
Activities, NACEBEL
18130Pre-press and pre-media services
62010Computer programming, consultancy and related activities
62020IT consultancy
62100Computer programming
62200Computer consultancy and computer facilities management
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.