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ARMOFIN

Active
Berthelotstraat 163 ·1190 Vorst, Belgium
KBO/BCE: BE 0803.682.612
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Age3 yrs
Real estate1 parcel · 884 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of ARMOFIN is 2.7% (moderate). The 2024 annual accounts show equity of €127k and a net result of €122k. Its solvency ranks better than 59% of 2542 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-06-2025, 52 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2024 31-07-2025 09-06-2025 52 d early 2025-00129372

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
2.7% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate region +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€122k
Working capital€104k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 09-06-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 73, Advertising & market research · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 64.1% 56.2%
better than 59% of 2542 sector peers
Net result €122k €19k
better than 94% of 2544 sector peers
Equity €127k €43k
better than 80% of 2542 sector peers
Gross operating margin €193k €37k
better than 93% of 2541 sector peers
Total assets €198k €93k
better than 76% of 2544 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA€191k
Net profit€122k
Cash flow€136k
Staff costs-
Income taxes€54k
Dividends-
Total assets€198k
Equity€127k
Debt€71k
of which ≤ 1y€71k
of which > 1y-
Working capital€104k
Employees (FTE)-
Ratios (computed)
2024
Current ratio2.46
Quick ratio1.89
Working capital ratio52.3%
Solvency64.1%
Debt / equity0.56
Long-term debt ratio-
Interest coverage1884.57
Gross margin-
Net margin-
ROA61.6%
ROE96.1%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€198k
Fixed assets 21/28€24k
Tangible fixed assets 22/27€24k
Current assets 29/58€175k
Stocks & contracts in progress 3€40k
Amounts receivable within one year 40/41€26k
Cash & bank 54/58€107k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€198k
Equity 10/15€127k
Contributions / capital 10/11€5k
Reserves 13€122k
Amounts payable 17/49€71k
Amounts payable within one year 42/48€71k
Trade debts payable within one year 44€2k
Income statement
Gross operating margin 9900€193k
Operating result 9901€177k
Financial charges 65€101
Result before taxes 9903€176k
Income taxes 67/77€54k
Net result for the period 9904€122k
Result to be appropriated 9905€122k
Ratios computed by Checked.

Health barometer

FY 2024 · computed
93 / 100 Excellent
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Berthelotstraat 1631190 Vorst

Establishment units

1 location
ARMOFIN
Berthelotstraat 163, 1190 VorstAdviesbureaus op het gebied van public relations en communicatie
since 20232.348.510.055
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area884 m²
Buildings1
Building footprint329 m²
Volume (LiDAR)4,249 m³
Tallest building14.4 m · ±4 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21007A0099/00S000 Brussels 884 m² 1 · 329 m² 14.4 m · 4 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health93Profitability100Solvency99Growth-Stability79
93 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 93
Profitability 100
Solvency 99
Growth -
Stability 79

Ask AI about this company

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AI due-diligence brief

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Credit advice

verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 2,243 of the 13,477 companies in this sector. 1,801 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Adviesbureaus op het gebied van public relations en communicatie70210Activiteiten van adviesbureaus op het gebied van public relations en communicatie73300Overige dienstverlenende activiteiten op het gebied van informatie63920Overige dienstverlenende activiteiten op het gebied van informatie, n.e. g.63990Handel in eigen onroerend goed68100Handel in eigen onroerend goed68110Activiteiten van grafische designers74103Grafisch ontwerp en visuele communicatie74120Overige gespecialiseerde wetenschappelijke en technische activiteiten74909Overige activiteiten van vrije beroepen en andere wetenschappelijke en technische activiteiten, neg74999Ontwerp en bouw van podia90022Ontwerp en bouw van podia en decors90392
Primary activity highlighted.
Names & trade names
Legal nameFR ARMOFIN
Registered office
Berthelotstraat 163
1190 Vorst, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.