A& R BELGIUM
ActiveThe annual accounts of A& R BELGIUM for fiscal year 2025 show a net loss of 121% of total assets and of 93% of the equity at the start of that year. The 2025 annual accounts show equity of €20k and a net result of €-255k. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 21% of 1633 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
31
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency35▼-53
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.16 against 10.71 in 2024; short-term debt: 86.5% of total assets), and 90.4% 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
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
9.6%
Return on assets
-121%
Age of the figures
15 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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 1633 sector peers (2025).
NBB · sector comparisonPosition among 1633 sector peers
Solvency
better than 21%
← weakest
strongest →
raises risk · Filed more than 90 days late
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 15-07-2026, 165 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
165 d late
2024
70 d late
2023
150 d late
2022
23 d late
2021
8 d late
2020
2 d late
2019
24 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€104k
EBIT margin
9.8%
Net result
€-255k
2024 · €156k
2019: €-11k
2020: €-10k
2021: €-10k
2022: €8k
2023: €45k
2024: €156k
2019 → 2025
Working capital
€28k▼ 92.8%
2024 · €396k
2022: €77k
2023: €415k
2024: €396k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€104k
Equity€67k-€74k▲ 11.5%€119k▲ 60.6%€275k▲ 130%€20k▼ 92.6%
Operating result€-7k-€10k€70k▲ 591%€149k▲ 113%€-283k
Net result€-10k-€8k€45k▲ 489%€156k▲ 245%€-255k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €283k after €149k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €211k
Equity
€20k▼ 92.6%
Debt
€190k▲ 18.0%
The debt ratio rises from 37.0% to 90.4%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
9.6%▼
2024 · 63.0%
Current ratio
1.16▼
2024 · 10.71
Quick ratio
1.16▼
2024 · 10.71
Debt / equity
9.38▲
2024 · 0.59
ROA
-121.0%▼
2024 · 35.7%
Debt
€190k▲
2024 · €161k
Debt ≤ 1 year
€182k▲
2024 · €41k
A ratio outside any meaningful range has been withheld (balance sheet total €211k, equity €20k).
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€437k€211k▼
Current assets29/58€437k€211k▼
Amounts receivable within one year40/41€437k€211k▼
Trade receivables40€388k€208k▼
Other amounts receivable41€49k€3k▼
Equity and liabilities
Total equity and liabilities10/49€437k€211k▼
Equity10/15€275k€20k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€255k€-107▼
Amounts payable17/49€161k€190k▲
Amounts payable within one year42/48€41k€182k▲
Trade debts44€41k€18k▼
Suppliers440/4€41k€18k▼
Other amounts payable47/48-€164k
Accrued charges and deferred income492/3€121k€8k▼
Income statement
Code20242025
Gross operating margin9900€149k€-283k▼
Operating profit (loss)9901€149k€-283k▼
Financial income75/76B€17k€34k▲
Recurring financial income75€17k€34k▲
Financial charges65/66B€10k€6k▼
Recurring financial charges65€10k€6k▼
Profit (loss) for the period before taxes9903€156k€-255k▼
Profit (loss) for the period9904€156k€-255k▼
Profit (loss) for the period to be appropriated9905€156k€-255k▼
Appropriation of the result
Profit (loss) to be appropriated9906€255k€-107▼
Profit (loss) brought forward from the previous period14P€99k€255k▲
The notes to these accounts (1 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 165 days late
2025
30-06
Financial
Weakest financial yearnet €-255k ▼264%
Net result drops to €-255k, the lowest in the series.
11-04
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 70 days late
2024
30-06
Financial
Highest result since 2019net €156k ▲245%
Operating result €149k, net result €156k, both a record.
30-06
Financial
Liquidity quadruplescurrent ratio 10.71
Current ratio from 2.49 to 10.71; short-term debt falls from €278k to €41k.
30-06
Financial
Equity above €200kEq €275k ▲130%
3 profitable years in a row build equity to €275k.
29-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 150 days late
2023
30-06
Financial
Equity above €100kEq €119k ▲60.6%
2 profitable years in a row build equity to €119k.
23-02
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 23 days late
2022
30-06
Financial
Back to profitnet €8k
Net result €8k after 3 loss-making years.
08-02
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 8 days late
2021
02-02
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 2 days late
2020
24-02
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 24 days late
2019
04-02
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 4 days late
2018
08-02
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 8 days late
2017
28-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
11 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, Elsene · 1 establishment unit since 2012
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.
Troonstraat 1081050 ElseneGround area
3,620 m²
Building footprint
3,078 m²
Volume, LiDAR
63,261 m³
2 parcels, Brussels · tallest building 33.1 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
Troonstraat 100, 1050 Elsene
since 20122.211.029.084
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21442A0013/00S016 | Brussels | 2,341 m² | 1 · 2,055 m² | 33.1 m · 9 fl. |
| 21442A0013/00R017 | Brussels | 1,279 m² | 1 · 1,023 m² | 28.2 m · 8 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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NC&M
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AIDUO
BE 0644.614.092
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SOBELVIN INVEST
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Of 13,422 companies in sector 73300 we hold annual accounts for 6,901. 4,725 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-07-2012
Fiscal year end30-06
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.