ARNONE
ActiveSummary
ARNONE has been active since 1980 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €700k and a net result of €43k. Equity is growing by ~6% per year across the filed fiscal years. Its solvency ranks better than 67% of 4157 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▲+1
Solvency77=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 1.63 against 1.63 in 2024; short-term debt: 41.5% and cash: 12.5% of total assets), and 47.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
52.2%
Return on assets
3.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
35 d late
2023
141 d late
2022
123 d late
2021
147 d late
2020
144 d late
2019
42 d late
← 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, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€43k▲ 54.9%
2024 · €28k
2018: €26k
2019: €50k
2020: €77k
2021: €113k
2022: €70k
2023: €53k
2024: €28k
2018 → 2025
Working capital
€352k▲ 9.5%
2024 · €321k
2018: €496k
2019: €514k
2020: €189k
2021: €271k
2022: €299k
2023: €290k
2024: €321k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€505k-€575k▲ 13.8%€628k▲ 9.2%€656k▲ 4.4%€700k▲ 6.6%
Operating result€164k-€117k▼ 29.2%€81k▼ 30.4%€66k▼ 18.9%€85k▲ 28.7%
Net result€113k-€70k▼ 38.4%€53k▼ 23.8%€28k▼ 47.5%€43k▲ 54.9%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 29% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.34M
Fixed assets
€433k ▲ 0.1%
Current assets
€907k ▲ 9.0%
Equity and liabilities €1.34M
Equity
€700k ▲ 6.6%
Debt
€640k ▲ 5.2%
Debt's share of the balance-sheet total falls from 48.1% to 47.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€126k▲
2024 · €106k
Cash flow
€85k▲
2024 · €68k
Current ratio
1.63▲
2024 · 1.63
Quick ratio
0.70▲
2024 · 0.59
Debt to equity
0.92▼
2024 · 0.93
ROE
6.2%▲
2024 · 4.3%
ROA
3.2%▲
2024 · 2.2%
Interest coverage
5.25▼
2024 · 5.35
Debt ≤ 1 year
€556k▲
2024 · €512k
Debt > 1 year
€74k▼
2024 · €86k
Income taxes
€21k▲
2024 · €19k
Staff costs
€460k▲
2024 · €450k
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 · 58 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.26M€1.34M▲
Fixed assets21/28€432k€433k▲
Tangible fixed assets22/27€431k€432k▲
Land and buildings22€378k€359k▼
Plant, machinery and equipment23€18k€17k▼
Furniture and vehicles24€31k€53k▲
Other tangible fixed assets26€3k€2k▼
Financial fixed assets28€1k€1k=
Current assets29/58€833k€907k▲
Stocks and contracts in progress3€531k€519k▼
Stocks30/36€531k€519k▼
Amounts receivable within one year40/41€244k€201k▼
Trade receivables40€236k€194k▼
Other amounts receivable41€8k€7k▼
Cash at bank and in hand54/58€39k€168k▲
Deferred charges and accrued income490/1€18k€20k▲
Equity and liabilities
Total equity and liabilities10/49€1.26M€1.34M▲
Equity10/15€656k€700k▲
Contributions10/11€149k€149k=
Capital10€149k€149k=
Issued capital100€149k€149k=
Reserves13€27k€27k=
Non-distributable reserves130/1€25k€25k=
Legal reserve130€25k€25k=
Tax-exempt reserves132€2k€2k=
Profit (loss) carried forward14€480k€524k▲
Amounts payable17/49€608k€640k▲
Amounts payable after more than one year17€86k€74k▼
Financial debts170/4€86k€74k▼
Amounts payable within one year42/48€512k€556k▲
Current portion of amounts payable after more than one year42€73k€36k▼
Financial debts43€8k€8k▲
Credit institutions430/8€8k€8k▲
Trade debts44€219k€209k▼
Suppliers440/4€219k€209k▼
Taxes, remuneration and social security45€77k€73k▼
Taxes450/3€17k€14k▼
Remuneration and social security454/9€60k€59k▼
Other amounts payable47/48€135k€230k▲
Accrued charges and deferred income492/3€11k€11k▲
Income statement
Code20242025
Non-recurring operating income76A-€2k
Remuneration, social security and pensions62€450k€460k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€42k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€211€-15k▼
Other operating charges640/8€27k€31k▲
Gross operating margin9900€583k€602k▲
Operating profit (loss)9901€66k€85k▲
Financial income75/76B€426€3k▲
Recurring financial income75€426€3k▲
Financial charges65/66B€20k€24k▲
Recurring financial charges65€20k€24k▲
Profit (loss) for the period before taxes9903€46k€64k▲
Income taxes67/77€19k€21k▲
Profit (loss) for the period9904€28k€43k▲
Profit (loss) for the period to be appropriated9905€28k€43k▲
Appropriation of the result
Profit (loss) to be appropriated9906€480k€524k▲
Profit (loss) brought forward from the previous period14P€452k€480k▲
Social balance
Average headcount (FTE)90877.77.0▼
The notes to these accounts (12 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
2025
04-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 35 days late
2024
19-12
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 141 days late
2023
01-12
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 123 days late
2022
25-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 147 days late
2021
31-12
Financial
Highest result since 2018net €113k ▲46.5%
Operating result €164k, net result €113k, both a record.
31-12
Financial
Equity above €500kEq €505k ▲28.9%
4 profitable years in a row build equity to €505k.
22-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 144 days late
2020
11-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 42 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 61 days late
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 14 days late
2017
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Seraing · 1 establishment unit since 1980
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.
Avenue de la Concorde 1664100 SeraingGround area
909 m²
Building footprint
141 m²
Volume, LiDAR
1,034 m³
Parcel 62353D0314/00E014, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Avenue de la Concorde 166, 4100 Seraing
since 19802.017.876.350
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62353D0314/00E014 | Wallonia | 909 m² | 1 · 141 m² | 8.4 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
COMPTOIR EUROPEEN DU PNEU
BE 0443.669.783
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BANDEN RONNIE EN TECHNIEK
BE 0467.529.805
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CARTRONICS
BE 0444.959.685
Wavre · Eq €695k
AUTOCENTER DE RUDDER
BE 0899.506.041
Hoeilaart · Eq €707k
AWZ
BE 0701.797.176
La Louvière · Eq €689k
Of 2,445 companies in sector 47820 we hold annual accounts for 778. 431 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 formPublic limited company
Founded12-09-1980
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
47820Retail sale of motor vehicle parts and accessories
Sources
Crossroads Bank for EnterprisesNational Bank · 45 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.