HENDRICK ARNAUD
ActiveSummary
HENDRICK ARNAUD has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €46k and a net result of €-6k. Equity is growing by ~11.1% per year across the filed fiscal years. Its solvency ranks better than 78% of 7500 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability10▼-56
Solvency95▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 4.19 against 4.07 in 2024; short-term debt: 20% and cash: 64.8% of total assets), and 29.9% of the assets are financed with debt.
Credit check 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← 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
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
70.1%
Return on assets
-9.2%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-6k
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
30 d early
2023
29 d early
2022
26 d early
2021
3 d early
2020
5 d early
2019
31 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€46k▼ 11.6%
2024 · €52k
Total assets
€65k▼ 16.8%
2024 · €79k
Net result
€-6k▼ 256%
2024 · €-2k
Working capital
€42k▼ 12.0%
2024 · €47k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€25k▲ 256%€2k▼ 92.0%€17k▲ 759%€155▼ 99.1%€-5k
Net result€18k▲ 295%€20▼ 99.9%€12k▲ 59,245%€-2k€-6k▼ 256%
Equity€42k▲ 24.6%€42k=€54k▲ 28.4%€52k▼ 3.1%€46k▼ 11.6%
Total assets€82k▲ 93.7%€56k▼ 31.7%€81k▲ 44.7%€79k▼ 2.7%€65k▼ 16.8%
Debt€40k▲ 359%€14k▼ 64.7%€27k▲ 93.0%€27k▼ 1.8%€20k▼ 26.8%
Working capital€41k▲ 42.6%€41k▲ 0.1%€49k▲ 19.3%€47k▼ 2.6%€42k▼ 12.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €5k after €155 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €65k
Fixed assets
€11k ▼ 32.5%
Current assets
€55k ▼ 12.9%
Equity and liabilities €65k
Equity
€46k ▼ 11.6%
Debt
€20k ▼ 26.8%
Debt's share of the balance-sheet total falls from 34.0% to 29.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€345▼
2024 · €6k
Cash flow
€-905▼
2024 · €4k
Current ratio
4.19▲
2024 · 4.07
Debt to equity
0.43▼
2024 · 0.52
ROE
-13.1%▼
2024 · -3.3%
ROA
-9.2%▼
2024 · -2.1%
Interest coverage
0.30▼
2024 · 6.22
Debt ≤ 1 year
€13k▼
2024 · €15k
Debt > 1 year
€6k▼
2024 · €11k
Income taxes
€213▼
2024 · €947
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4k | €873 | €5k | €5k | €5k | ▼ 5.7% |
| Other operating charges640/8 | €997 | €1k | €1k | €1k | €1k | ▲ 2.2% |
| Gross operating margin9900 | €30k | €4k | €24k | €7k | €1k | ▼ 77.6% |
| Operating profit (loss)9901 | €25k | €2k | €17k | €155 | €-5k | ▼ 3,164% |
| Financial income75/76B | €0 | - | €500 | €1 | €103 | ▲ 18,571% |
| Recurring financial income75 | €0 | - | €500 | €1 | €103 | ▲ 18,571% |
| Non-recurring financial income76B | - | - | €500 | - | - | - |
| Financial charges65/66B | €324 | €661 | €629 | €896 | €1k | ▲ 27.2% |
| Recurring financial charges65 | €324 | €661 | €629 | €896 | €1k | ▲ 27.2% |
| Profit (loss) for the period before taxes9903 | €25k | €1k | €17k | €-740 | €-6k | ▼ 684% |
| Income taxes67/77 | €6k | €1k | €5k | €947 | €213 | ▼ 77.6% |
| Profit (loss) for the period9904 | €18k | €20 | €12k | €-2k | €-6k | ▼ 256% |
| Profit (loss) for the period to be appropriated9905 | €18k | €20 | €12k | €-2k | €-6k | ▼ 256% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €82k | €56k | €81k | €79k | €65k | ▼ 16.8% |
| Fixed assets21/28 | €835 | €1k | €21k | €16k | €11k | ▼ 32.5% |
| Intangible fixed assets21 | €0 | €0 | €0 | €0 | €0 | - |
| Tangible fixed assets22/27 | €835 | €1k | €21k | €16k | €11k | ▼ 32.5% |
| Plant, machinery and equipment23 | €187 | €0 | €0 | €0 | €0 | - |
| Furniture and vehicles24 | €648 | €1k | €21k | €16k | €11k | ▼ 32.5% |
| Current assets29/58 | €81k | €55k | €60k | €63k | €55k | ▼ 12.9% |
| Amounts receivable after more than one year29 | - | - | - | - | €11k | - |
| Trade receivables290 | - | - | - | - | €11k | - |
| Amounts receivable within one year40/41 | €1k | €35 | €8k | €9k | €1k | ▼ 86.7% |
| Trade receivables40 | €1k | €0 | €6k | €9k | €0 | ▼ 100% |
| Other amounts receivable41 | €6 | €35 | €1k | €136 | €1k | ▲ 745% |
| Cash at bank and in hand54/58 | €79k | €54k | €52k | €53k | €42k | ▼ 20.3% |
| Deferred charges and accrued income490/1 | €563 | €662 | €287 | €1k | €387 | ▼ 63.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €82k | €56k | €81k | €79k | €65k | ▼ 16.8% |
| Equity10/15 | €42k | €42k | €54k | €52k | €46k | ▼ 11.6% |
| Contributions10/11 | €20k | €20k | €20k | €20k | €20k | = |
| Reserves13 | €2k | €2k | €14k | €14k | €14k | = |
| Non-distributable reserves130/1 | €2k | €2k | €0 | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | €0 | - | - | - |
| Distributable reserves133 | - | - | €14k | €14k | €14k | = |
| Profit (loss) carried forward14 | €20k | €20k | €20k | €18k | €12k | ▼ 32.7% |
| Amounts payable17/49 | €40k | €14k | €27k | €27k | €20k | ▼ 26.8% |
| Amounts payable after more than one year17 | - | - | €16k | €11k | €6k | ▼ 45.4% |
| Financial debts170/4 | - | - | €16k | €11k | €6k | ▼ 45.4% |
| Amounts payable within one year42/48 | €40k | €14k | €11k | €15k | €13k | ▼ 15.4% |
| Current portion of amounts payable after more than one year42 | €0 | - | €5k | €5k | €5k | ▲ 2.4% |
| Trade debts44 | €14k | €2k | €2k | €6k | €3k | ▼ 48.8% |
| Suppliers440/4 | €14k | €2k | €2k | €6k | €3k | ▼ 48.8% |
| Taxes, remuneration and social security45 | €18k | €11k | €3k | €3k | €4k | ▲ 25.8% |
| Taxes450/3 | €16k | €9k | €1k | €1k | €2k | ▲ 62.0% |
| Remuneration and social security454/9 | €2k | €2k | €2k | €2k | €2k | ▲ 7.1% |
| Other amounts payable47/48 | €8k | €904 | €664 | €741 | €559 | ▼ 24.5% |
| Accrued charges and deferred income492/3 | €0 | €270 | €27 | €27 | €350 | ▲ 1,190% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €18k | €20 | €12k | €-2k | €-6k | ▼ 256% |
| + Depreciation and write-downs630 | €4k | €873 | €5k | €5k | €5k | ▼ 5.7% |
| Operating cash flow (approximation) | €22k | €893 | €17k | €4k | €-905 | ▼ 124% |
| Investment in fixed assets (approximation) | - | €-1k | €-25k | €0 | €0 | - |
| Change in cash | - | €-25k | €-2k | €2k | €-11k | ▼ 769% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-6k
Net result drops to €-6k, the lowest in the series.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €18k ▲295%
Operating result €25k, net result €18k, both a record.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Dison · 1 establishment unit since 2008
Ground area
708 m²
Building footprint
136 m²
Volume, LiDAR
862 m³
Parcel 63020A0324/00A002, Wallonia · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HENDRICK ARNAUD
since 20082.175.216.585
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63020A0324/00A002 | Wallonia | 708 m² | 1 · 136 m² | 8.3 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 29,787 companies in sector 41001 we hold annual accounts for 16,036. 13,004 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded26-11-2008
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
Scores and ratios are computed by Checked and are not a credit decision.