Arnaud DELLICOUR
ActiveSummary
Arnaud DELLICOUR has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €220k and a net result of €122k. Equity is growing by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 55% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency86▼-3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 2.54 against 2.66 in 2024; short-term debt: 39.1% and cash: 64.1% of total assets), and 39.1% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
60.9%
Return on assets
33.8%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 20-01-2026, 100 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
100 d early
2024
132 d early
2023
33 d early
2022
30 d early
2021
33 d early
2020
31 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€220k=
2024 · €220k
2020: €92k
2021: €151k
2022: €220k
2023: €220k
2024: €220k
2020 → 2025
Total assets
€361k▲ 4.6%
2024 · €345k
2020: €149k
2021: €166k
2022: €260k
2023: €326k
2024: €345k
2020 → 2025
Net result
€122k▲ 8.0%
2024 · €113k
2020: €90k
2021: €60k
2022: €70k
2023: €92k
2024: €113k
2020 → 2025
Working capital
€218k▲ 4.8%
2024 · €208k
2020: €86k
2021: €106k
2022: €186k
2023: €197k
2024: €208k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€151k-€220k▲ 45.6%€220k=€220k=€220k=
Operating result€84k-€98k▲ 17.0%€119k▲ 20.8%€135k▲ 14.0%€155k▲ 14.6%
Net result€60k-€70k▲ 16.6%€92k▲ 32.1%€113k▲ 22.8%€122k▲ 8.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 15% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €361k
Fixed assets
€2k ▼ 82.6%
Current assets
€359k ▲ 7.7%
Equity and liabilities €361k
Equity
€220k =
Debt
€141k ▲ 12.6%
Debt's share of the balance-sheet total rises from 36.3% to 39.1%. Debt is higher.
Key figures and ratios
EBITDA
€165k▲
2024 · €146k
Cash flow
€132k▲
2024 · €124k
Current ratio
2.54▼
2024 · 2.66
Debt to equity
0.64▲
2024 · 0.57
ROE
55.5%▲
2024 · 51.4%
ROA
33.8%▲
2024 · 32.7%
Interest coverage
151.54▼
2024 · 962.57
Debt ≤ 1 year
€141k▲
2024 · €125k
Income taxes
€37k▲
2024 · €33k
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€345k€361k▲
Fixed assets21/28€12k€2k▼
Tangible fixed assets22/27€12k€2k▼
Furniture and vehicles24€12k€2k▼
Financial fixed assets28€250€250=
Current assets29/58€333k€359k▲
Amounts receivable within one year40/41€46k€50k▲
Trade receivables40€45k€50k▲
Other amounts receivable41€917€69▼
Current investments50/53€260k€73k▼
Cash at bank and in hand54/58€25k€231k▲
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€345k€361k▲
Equity10/15€220k€220k=
Contributions10/11€3k€3k=
Reserves13€217k€217k=
Distributable reserves133€217k€217k=
Profit (loss) carried forward14€0€0=
Amounts payable17/49€125k€141k▲
Amounts payable within one year42/48€125k€141k▲
Trade debts44€1k€717▼
Suppliers440/4€1k€717▼
Taxes, remuneration and social security45€9k€14k▲
Taxes450/3€9k€12k▲
Remuneration and social security454/9-€2k
Other amounts payable47/48€115k€127k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€10k▼
Other operating charges640/8€868€1k▲
Gross operating margin9900€147k€166k▲
Operating profit (loss)9901€135k€155k▲
Financial income75/76B€11k€5k▼
Recurring financial income75€11k€5k▼
Financial charges65/66B€152€1k▲
Recurring financial charges65€152€1k▲
Profit (loss) for the period before taxes9903€146k€159k▲
Income taxes67/77€33k€37k▲
Profit (loss) for the period9904€113k€122k▲
Profit (loss) for the period to be appropriated9905€113k€122k▲
Appropriation of the result
Profit (loss) to be appropriated9906€113k€122k▲
Profit to be distributed694/7€113k€122k▲
Return on contributions (dividend)694€113k€122k▲
The notes to these accounts (14 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
20-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2020net €122k ▲8%
Operating result €155k, net result €122k, both a record.
2024
19-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
28-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Equity above €200kEq €220k ▲45.6%
3 profitable years in a row build equity to €220k.
28-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Weakest financial yearnet €60k ▼33.6%
Net result drops to €60k, the lowest in the series; recovery starts the following year.
30-09
Financial
Liquidity triplescurrent ratio 7.85
Current ratio from 2.51 to 7.85; short-term debt falls from €57k to €15k.
30-09
Financial
Equity above €150kEq €151k ▲64%
2 profitable years in a row build equity to €151k.
30-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Sint-Genesius-Rode · 1 establishment unit since 2019
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.
Boomkwekerijlaan 381640 Sint-Genesius-RodeGround area
451 m²
Building footprint
86 m²
Volume, LiDAR
669 m³
Parcel 22004A0035/00N016, Flanders · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Arnaud DELLICOUR
since 20192.295.495.496
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22004A0035/00N016 | Flanders | 451 m² | 1 · 86 m² | 10.8 m · 3 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
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Tom Van Havermaet
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Of 944 companies in sector 69203 we hold annual accounts for 659. 530 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
Founded28-10-2019
Fiscal year end30-09
Activities, NACEBEL 2025
69203Activities of company auditors
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.