ARC ADVICE
ActiveSummary
The annual accounts of ARC ADVICE for fiscal year 2025 show a net loss of 64% of total assets and of 81% of the equity at the start of that year. The 2025 annual accounts show equity of €1k and a net result of €-6k. Equity is shrinking by ~23.3% per year across the filed fiscal years. Its solvency ranks better than 23% of 7750 sector peers (fiscal year 2025). The company has been active since 2021 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
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▼-18
Solvency40▼-25
Growth32=
Track record94
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit 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 short (current ratio 0.58 against 0.59 in 2024; short-term debt: 85% and cash: 27% of total assets), and 85% of the assets are financed with debt.
Credit advice 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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
15%
Return on assets
-64.4%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 7750 sector peers (2025).
NBB · sector comparisonPosition among 7750 sector peers
Solvency
better than 23%
← weakest
strongest →
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 05-04-2026, 117 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
117 d early
2024
42 d early
2023
75 d early
2022
13 d early
2021
26 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
Turnover
€30k
EBIT margin
-11.9%
Net result
€-6k
2024 · €1k
2021: €8k
2022: €-3k
2023: €-2k
2024: €1k
2021 → 2025
Working capital
€-4k▲ 27.4%
2024 · €-5k
2021: €-7k
2022: €-10k
2023: €-11k
2024: €-5k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€30k
Equity€11k-€8k▼ 24.5%€7k▼ 19.7%€8k▲ 17.9%€1k▼ 81.1%
Operating result€11k-€-1k€98€4k▲ 4,026%€-4k
Net result€8k-€-3k€-2k▲ 39.0%€1k€-6k
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 €4k after €4k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €10k
Fixed assets
€5k ▼ 60.6%
Current assets
€5k ▼ 29.6%
Equity and liabilities €10k
Equity
€1k ▼ 81.1%
Debt
€8k ▼ 28.7%
Debt's share of the balance-sheet total rises from 60.0% to 85.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€4k▼
2024 · €12k
Cash flow
€1k▼
2024 · €9k
Current ratio
0.58▼
2024 · 0.59
Debt to equity
5.67▲
2024 · 1.50
ROE
-429.7%▼
2024 · 15.2%
ROA
-64.4%▼
2024 · 6.1%
Interest coverage
81.51▼
2024 · 99.50
Debt ≤ 1 year
€8k▼
2024 · €12k
Income taxes
€3k=
2024 · €3k
Staff costs
€3k
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 · 62 lines
Balance sheet
Code20242025
Assets
Total assets20/58€20k€10k▼
Fixed assets21/28€13k€5k▼
Intangible fixed assets21-€0
Tangible fixed assets22/27€13k€5k▼
Land and buildings22-€0
Plant, machinery and equipment23€503€0▼
Furniture and vehicles24€9k€3k▼
Leasing and similar rights25-€0
Other tangible fixed assets26€3k€3k▼
Assets under construction and advance payments27-€0
Financial fixed assets28-€0
Current assets29/58€7k€5k▼
Amounts receivable after more than one year29-€0
Trade receivables290-€0
Amounts receivable within one year40/41€3k€2k▼
Trade receivables40€3k€2k▼
Other amounts receivable41-€0
Current investments50/53-€0
Cash at bank and in hand54/58€3k€3k▼
Deferred charges and accrued income490/1€654€654=
Equity and liabilities
Total equity and liabilities10/49€20k€10k▼
Equity10/15€8k€1k▼
Contributions10/11€3k€3k=
Revaluation surpluses12-€0
Profit (loss) carried forward14€5k€-2k▼
Investment grants15-€0
Advance to shareholders on the distribution of net assets19-€0
Amounts payable17/49€12k€8k▼
Amounts payable within one year42/48€12k€8k▼
Current portion of amounts payable after more than one year42€3k-
Trade debts44€816€5k▲
Suppliers440/4€816€5k▲
Bills of exchange payable441-€0
Advances received on contracts in progress46-€0
Taxes, remuneration and social security45€6k€2k▼
Taxes450/3€5k€2k▼
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48€2k€2k▼
Accrued charges and deferred income492/3-€0
Income statement
Code20242025
Turnover70-€30k
Goods, raw materials, services and sundry goods60/61-€36k
Remuneration, social security and pensions62-€3k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k=
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€0
Provisions for liabilities and charges: additions (uses and reversals)635/8-€0
Other operating charges640/8€1k€527▼
Gross operating margin9900€13k€8k▼
Operating profit (loss)9901€4k€-4k▼
Financial charges65/66B€119€51▼
Recurring financial charges65€119€51▼
Profit (loss) for the period before taxes9903€4k€-4k▼
Transfer from deferred taxes780-€0
Transfer to deferred taxes680-€0
Income taxes67/77€3k€3k=
Profit (loss) for the period9904€1k€-6k▼
Transfer from tax-exempt reserves789-€0
Transfer to tax-exempt reserves689-€0
Profit (loss) for the period to be appropriated9905€1k€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€5k€-2k▼
Profit (loss) brought forward from the previous period14P€4k€5k▲
Transfer from equity791/2-€0
Shareholders' contribution to the loss794-€0
The notes to these accounts (6 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
05-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-6k ▼634%
Net result drops to €-6k, the lowest in the series.
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €1k
Net result €1k after 2 loss-making years.
17-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Ottignies-Louvain-la-Neuve · 1 establishment unit since 2021
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.
Rue Grand'Rue 521341 Ottignies-Louvain-la-NeuveGround area
348 m²
Building footprint
91 m²
Volume, LiDAR
548 m³
Parcel 25016D0194/00T000, Wallonia · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ARC ADVICE
since 20212.315.151.062
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25016D0194/00T000 | Wallonia | 348 m² | 1 · 91 m² | 9.0 m · 2 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
CallioMed
BE 1021.532.239
Sambreville · Eq €1,491
Coveliers - Bossuyt
BE 0687.854.318
Antwerpen · Eq €1,500
ARITHMO
BE 0736.911.374
Aarschot · Eq €1,500
VITIPRO
BE 0649.879.016
Gesves · Eq €1,449
BARPRINT
BE 0432.040.077
Ukkel · Eq €1,545
Of 11,222 companies in sector 82100 we hold annual accounts for 3,510. 585 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
Founded05-03-2021
Fiscal year end31-12
Activities, NACEBEL 2025
82100Office administrative and support services
70200Business and other management consultancy
78200Temporary employment agencies and other provision of personnel
82300Organisation of conventions and trade shows
82990Other business support services
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:carine.arc.advice@gmail.com