Carmen ARCKENS
ActiveSummary
Carmen ARCKENS has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €421k and a net result of €60k. Equity is growing by ~35.9% per year across the filed fiscal years. Its solvency ranks better than 47% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-5
Solvency85▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 2.51 against 2.19 in 2024; short-term debt: 13% and cash: 31.3% of total assets), and 39.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
60.3%
Return on assets
8.6%
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 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
60 d early
2024
35 d early
2023
58 d early
2022
39 d early
2021
24 d early
2020
4 d early
2019
35 d early
← 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, micro schema
Equity
€421k▲ 16.6%
2024 · €361k
2018: €-11k
2019: €24k
2020: €76k
2021: €154k
2022: €211k
2023: €280k
2024: €361k
2018 → 2025
Total assets
€699k▲ 4.2%
2024 · €670k
2018: €441k
2019: €448k
2020: €489k
2021: €545k
2022: €538k
2023: €556k
2024: €670k
2018 → 2025
Net result
€60k▼ 25.6%
2024 · €81k
2018: €3k
2019: €35k
2020: €52k
2021: €78k
2022: €57k
2023: €69k
2024: €81k
2018 → 2025
Working capital
€138k▲ 37.6%
2024 · €100k
2018: €-12k
2019: €10k
2020: €51k
2021: €106k
2022: €36k
2023: €69k
2024: €100k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€154k-€211k▲ 37.3%€280k▲ 32.9%€361k▲ 28.8%€421k▲ 16.6%
Operating result€132k-€97k▼ 26.6%€114k▲ 17.5%€129k▲ 13.2%€102k▼ 21.3%
Net result€78k-€57k▼ 26.5%€69k▲ 21.2%€81k▲ 16.3%€60k▼ 25.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 21% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €699k
Fixed assets
€470k ▼ 3.3%
Current assets
€229k ▲ 24.1%
Equity and liabilities €699k
Equity
€421k ▲ 16.6%
Debt
€278k ▼ 10.2%
Debt's share of the balance-sheet total falls from 46.1% to 39.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€138k▼
2024 · €155k
Cash flow
€96k▼
2024 · €107k
Current ratio
2.51▲
2024 · 2.19
Debt to equity
0.66▼
2024 · 0.86
ROE
14.3%▼
2024 · 22.4%
ROA
8.6%▼
2024 · 12.0%
Interest coverage
11.51▼
2024 · 12.76
Debt ≤ 1 year
€91k▲
2024 · €84k
Debt > 1 year
€183k▼
2024 · €219k
Income taxes
€31k▼
2024 · €38k
Staff costs
€35k▲
2024 · €18k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€670k€699k▲
Fixed assets21/28€486k€470k▼
Tangible fixed assets22/27€486k€470k▼
Land and buildings22€383k€382k▼
Plant, machinery and equipment23€86k€79k▼
Furniture and vehicles24€16k€9k▼
Current assets29/58€184k€229k▲
Amounts receivable within one year40/41€12k€5k▼
Trade receivables40€11k-
Other amounts receivable41€1k€5k▲
Cash at bank and in hand54/58€167k€219k▲
Deferred charges and accrued income490/1€5k€5k▼
Equity and liabilities
Total equity and liabilities10/49€670k€699k▲
Equity10/15€361k€421k▲
Contributions10/11€12k€12k=
Reserves13€349k€409k▲
Distributable reserves133€349k€409k▲
Amounts payable17/49€309k€278k▼
Amounts payable after more than one year17€219k€183k▼
Financial debts170/4€219k€183k▼
Amounts payable within one year42/48€84k€91k▲
Current portion of amounts payable after more than one year42€25k€38k▲
Financial debts43€21k€21k▼
Credit institutions430/8€21k€21k▼
Trade debts44€18k€7k▼
Suppliers440/4€18k€7k▼
Taxes, remuneration and social security45€8k€10k▲
Taxes450/3€4k€4k▲
Remuneration and social security454/9€4k€6k▲
Other amounts payable47/48€14k€15k▲
Accrued charges and deferred income492/3€6k€3k▼
Income statement
Code20242025
Non-recurring operating income76A€500-
Remuneration, social security and pensions62€18k€35k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€36k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€175k€175k▼
Operating profit (loss)9901€129k€102k▼
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€12k€12k▼
Recurring financial charges65€12k€12k▼
Profit (loss) for the period before taxes9903€119k€91k▼
Income taxes67/77€38k€31k▼
Profit (loss) for the period9904€81k€60k▼
Profit (loss) for the period to be appropriated9905€81k€60k▼
Appropriation of the result
Profit (loss) to be appropriated9906€81k€60k▼
Transfer to equity691/2€81k€60k▼
To other reserves6921€81k€60k▼
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
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €81k ▲16.3%
Net result €81k, the highest in the series.
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €211k ▲37.3%
5 profitable years in a row build equity to €211k.
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €154k ▲103%
4 profitable years in a row build equity to €154k.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Leuven · 1 establishment unit since 2004
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.
Holsbeeksesteenweg 663010 LeuvenGround area
1,043 m²
Building footprint
103 m²
Volume, LiDAR
767 m³
Parcel 24051A0423/00K000, Flanders · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Carmen Arckens
since 20042.181.973.626
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24051A0423/00K000 | Flanders | 1,042 m² | 1 · 103 m² | 10.8 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
LUYCKX
BE 0477.655.813
Beerse · Eq €420,848
Cabinet Dentaire L. URBAIN
BE 0775.805.208
Saint-Ghislain · Eq €421,572
NAKER
BE 0734.560.115
La Louvière · Eq €421,585
THK Daan Martens
BE 0653.800.883
Hasselt · Eq €422,058
DIAMANT DENTAL
BE 0555.687.363
Antwerpen · Eq €419,452
Of 6,942 companies in sector 86230 we hold annual accounts for 4,291. 3,577 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 formPrivate limited company
Founded29-04-2004
Fiscal year end31-12
Activities, NACEBEL 2025
86230Dental practice
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:carmen.arckens@gmail.com
Phone:0498 54 45 87