St. ARNOLDUS
ActiveThe computed 12-month bankruptcy probability of St. ARNOLDUS is 1.6% (moderate). The 2024 annual accounts show equity of €205k and a net result of €88k. Equity is growing by ~13.1% per year across the filed fiscal years. Its solvency ranks better than 74% of 18938 sector peers (fiscal year 2024). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
88
/ 100
Excellent▲ +19 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency83▲+33
Growth52=
Stability100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity tight (current ratio 1.33 against 0.83 in 2023), and 42.7% 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+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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-04-2025, 112 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
112 d early
2023
28 d late
2022
56 d early
2021
138 d early
2020
26 d late
2019
126 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€205k▲ 75.5%
2023 · €117k
2018: €73k
2019: €73k
2020: €88k
2021: €54k
2022: €20k
2023: €117k
2018 → 2024
Total assets
€358k▲ 5.2%
2023 · €340k
2018: €495k
2019: €438k
2020: €377k
2021: €408k
2022: €348k
2023: €340k
2018 → 2024
Net result
€88k▼ 8.5%
2023 · €96k
2018: €124k
2019: €119k
2020: €15k
2021: €112k
2022: €21k
2023: €96k
2018 → 2024
Working capital
€50k
2023 · €-35k
2018: €-78k
2019: €-85k
2020: €-41k
2021: €-80k
2022: €-121k
2023: €-35k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€88k-€54k▼ 38.8%€20k▼ 62.1%€117k▲ 471%€205k▲ 75.5%
Operating result€21k-€146k▲ 594%€36k▼ 75.5%€145k▲ 306%€133k▼ 8.6%
Net result€15k-€112k▲ 622%€21k▼ 81.3%€96k▲ 361%€88k▼ 8.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 9% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €358k
Fixed assets
€156k▼ 5.6%
Current assets
€202k▲ 15.5%
Equity and liabilities €358k
Equity
€205k▲ 75.5%
Debt
€153k▼ 31.5%
The debt ratio falls from 65.7% to 42.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€159k▼
2023 · €170k
Cash flow
€115k▼
2023 · €121k
Solvency
57.3%▲
2023 · 34.3%
Current ratio
1.33▲
2023 · 0.83
Quick ratio
1.23▲
2023 · 0.77
Debt / equity
0.75▼
2023 · 1.91
ROE
43.0%▼
2023 · 82.5%
ROA
24.6%▼
2023 · 28.3%
Interest coverage
28.52▼
2023 · 29.48
Debt
€153k▼
2023 · €223k
Debt ≤ 1 year
€152k▼
2023 · €210k
Debt > 1 year
€1k▼
2023 · €14k
Income taxes
€39k▼
2023 · €43k
Staff costs
€112k▲
2023 · €112k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€340k€358k▲
Fixed assets21/28€166k€156k▼
Tangible fixed assets22/27€166k€156k▼
Land and buildings22€151k€133k▼
Plant, machinery and equipment23€10k€14k▲
Furniture and vehicles24€5k€9k▲
Current assets29/58€175k€202k▲
Stocks and contracts in progress3€13k€15k▲
Stocks30/36€13k€15k▲
Amounts receivable within one year40/41€15k€17k▲
Trade receivables40-€9k
Other amounts receivable41€15k€9k▼
Cash at bank and in hand54/58€142k€167k▲
Deferred charges and accrued income490/1€5k€2k▼
Equity and liabilities
Total equity and liabilities10/49€340k€358k▲
Equity10/15€117k€205k▲
Contributions10/11€19k€19k=
Reserves13€98k€187k▲
Distributable reserves133€98k€187k▲
Amounts payable17/49€223k€153k▼
Amounts payable after more than one year17€14k€1k▼
Financial debts170/4€14k€1k▼
Amounts payable within one year42/48€210k€152k▼
Current portion of amounts payable after more than one year42€29k€13k▼
Trade debts44€16k€9k▼
Suppliers440/4€16k€9k▼
Taxes, remuneration and social security45€10k€8k▼
Taxes450/3€6k€2k▼
Remuneration and social security454/9€4k€6k▲
Other amounts payable47/48€156k€122k▼
Income statement
Code20232024
Remuneration, social security and pensions62€112k€112k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€26k▲
Other operating charges640/8€5k€5k▼
Gross operating margin9900€287k€276k▼
Operating profit (loss)9901€145k€133k▼
Financial charges65/66B€6k€6k▼
Recurring financial charges65€6k€6k▼
Profit (loss) for the period before taxes9903€140k€127k▼
Income taxes67/77€43k€39k▼
Profit (loss) for the period9904€96k€88k▼
Profit (loss) for the period to be appropriated9905€96k€88k▼
Appropriation of the result
Profit (loss) to be appropriated9906€96k€88k▼
Transfer to equity691/2€96k€88k▼
To other reserves6921€96k€88k▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
10-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €205k ▲75.5%
7 profitable years in a row build equity to €205k.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Equity above €100kEq €117k ▲471%
6 profitable years in a row build equity to €117k.
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
15-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 26 days late
2020
31-12
Financial
Weakest financial yearnet €15k ▼87%
Net result drops to €15k, the lowest in the series; recovery starts the following year.
27-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
21-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
15-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
19-04
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Ieper · 1 establishment unit since 2015
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.
Menenstraat 198900 IeperGround area
291 m²
Building footprint
170 m²
Parcel 33011G0009/00C000, Flanders. Linked by address, not a title deed.
1 establishment unit
St. ARNOLDUS
since 20152.240.494.320
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33011G0009/00C000 | Flanders | 291 m² | 1 · 170 m² | - |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteIeper2.240.494.320
Similar companies · same sector, comparable size
SODA
BE 0832.225.851
Brugge · Eq €205k
MF WEPION
BE 0799.766.879
Namur · Eq €205k
RETRIFA
BE 0862.910.218
Antwerpen · Eq €205k
'T SPIT
BE 0751.503.540
Lokeren · Eq €205k
@AUX LOUPS
BE 0740.946.871
Brussel · Eq €205k
Of 21,633 companies in sector 56112 we hold annual accounts for 9,660. 6,560 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-03-2015
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.