L'ARCAMP
ActiveL'ARCAMP has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.04M and a net result of €235k. Equity is growing by ~27% per year across the filed fiscal years. Its solvency ranks better than 61% of 8388 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
96
/ 100
Excellent▲ +33 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency81▲+19
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity tight (current ratio 1.16 against 0.31 in 2024), and 35.6% of the assets are financed with debt.
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
64.4%
Return on assets
14.5%
Age of the figures
8 mo
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
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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
30 d early
2023
19 d late
2022
on the day
2021
25 d early
2020
16 d early
2019
32 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
05-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€235k▲ 8.1%
2024 · €217k
2022: €196k
2023: €225k
2024: €217k
2022 → 2025
Working capital
€9k
2024 · €-123k
2022: €-294k
2023: €-297k
2024: €-123k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€501k-€652k▲ 30.0%€823k▲ 26.4%€1.04M▲ 26.4%
Operating result€32k-€40k▲ 27.9%€33k▼ 19.2%€48k▲ 48.8%
Net result€196k-€225k▲ 14.9%€217k▼ 3.7%€235k▲ 8.1%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 49% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.62M
Fixed assets
€1.55M▲ 0.4%
Current assets
€62k▲ 12.3%
Equity and liabilities €1.62M
Equity
€1.04M▲ 26.4%
Debt
€576k▼ 26.2%
The debt ratio falls from 48.6% to 35.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€50k▲
2024 · €35k
Cash flow
€236k▲
2024 · €219k
Solvency
64.4%▲
2024 · 51.4%
Current ratio
1.16▲
2024 · 0.31
Quick ratio
1.16▲
2024 · 0.31
Debt / equity
0.55▼
2024 · 0.95
ROE
22.5%▼
2024 · 26.3%
ROA
14.5%▲
2024 · 13.5%
Interest coverage
128.54▲
2024 · 17.62
Debt
€576k▼
2024 · €780k
Debt ≤ 1 year
€54k▼
2024 · €179k
Debt > 1 year
€521k▼
2024 · €600k
Income taxes
€15k▲
2024 · €14k
Staff costs
€583▲
2024 · €391
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
Total assets
20/58€1.60M€1.62M▲
Fixed assets
21/28€1.55M€1.55M▲
Tangible fixed assets
22/27€5k€12k▲
Financial fixed assets
28€1.54M€1.54M=
Current assets
29/58€55k€62k▲
Amounts receivable within one year
40/41€15k€13k▼
Cash & bank
54/58€37k€47k▲
Total equity & liabilities
10/49€1.60M€1.62M▲
Equity
10/15€823k€1.04M▲
Contributions / capital
10/11€19k€19k=
Reserves
13€2k€2k=
Accumulated profits (losses)
14€803k€1.02M▲
Amounts payable
17/49€780k€576k▼
Amounts payable after one year
17€600k€521k▼
Amounts payable within one year
42/48€179k€54k▼
Trade debts payable within one year
44€2k€12k▲
Income statement
Code20242025
Gross operating margin
9900€37k€53k▲
Operating result
9901€33k€48k▲
Financial income
75€200k€201k▲
Financial charges
65€2k€388▼
Result before taxes
9903€231k€249k▲
Income taxes
67/77€14k€15k▲
Net result for the period
9904€217k€235k▲
Result to be appropriated
9905€217k€235k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2022net €235k ▲8.1%
Operating result €48k, net result €235k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 1.16
Current ratio from 0.31 to 1.16; short-term debt falls from €179k to €54k.
31-12
Financial
Equity above €1MEq €1.04M ▲26.4%
4 profitable years in a row build equity to €1.04M.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 19 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 9 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
31-07
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.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 82,369 companies in sector 70200 we hold annual accounts for 51,486. 27,209 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-11-2004
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 29-07-2026. Scores and ratios are computed by Checked and are not a credit decision.