Age3 yrs
Real estate1 parcel · 310 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of Arnoys is 3.5% (moderate). The 2023 annual accounts show equity of €60k and a net result of €57k. 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-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 16 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 02-04-2025, 120 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. 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 |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 02-04-2025 | 120 d early | 2025-00062722 |
| 31-12-2023 | 31-07-2024 | 08-04-2024 | 114 d early | 2024-00060057 |
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 signalsMore 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 everyone3.5%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate sector
+Annual accounts: weaker 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€57k
Working capital€56k
Annual accounts & ratios
Source: NBB · 2023Annual accounts filed on 02-04-2025 with the NBB · fiscal year 2024 · verkort
| Fiscal year | 2023 |
|---|---|
| Deposit | verkort |
| Revenue | - |
| EBITDA | €78k |
| Net profit | €57k |
| Cash flow | €58k |
| Staff costs | - |
| Income taxes | €20k |
| Dividends | - |
| Total assets | €104k |
| Equity | €60k |
| Debt | €44k |
| of which ≤ 1y | €44k |
| of which > 1y | - |
| Working capital | €56k |
| Employees (FTE) | - |
Ratios (computed)
| 2023 | |
|---|---|
| Current ratio | 2.25 |
| Quick ratio | 2.18 |
| Working capital ratio | 53.2% |
| Solvency | 57.5% |
| Debt / equity | 0.74 |
| Long-term debt ratio | - |
| Interest coverage | 1446.78 |
| Gross margin | - |
| Net margin | - |
| ROA | 55.1% |
| ROE | 95.8% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2023
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2023 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €104k |
| Fixed assets | 21/28 | €4k |
| Intangible fixed assets | 21 | €231 |
| Tangible fixed assets | 22/27 | €4k |
| Current assets | 29/58 | €100k |
| Stocks & contracts in progress | 3 | €3k |
| Amounts receivable within one year | 40/41 | €35k |
| Cash & bank | 54/58 | €59k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €104k |
| Equity | 10/15 | €60k |
| Contributions / capital | 10/11 | €3k |
| Reserves | 13 | €57k |
| Amounts payable | 17/49 | €44k |
| Amounts payable within one year | 42/48 | €44k |
| Trade debts payable within one year | 44 | €26k |
| Income statement | ||
| Gross operating margin | 9900 | €80k |
| Operating result | 9901 | €77k |
| Financial income | 75 | €71 |
| Financial charges | 65 | €54 |
| Result before taxes | 9903 | €77k |
| Income taxes | 67/77 | €20k |
| Net result for the period | 9904 | €57k |
| Result to be appropriated | 9905 | €57k |
Ratios computed by Checked.
Health barometer
FY 2023 · computed93
/ 100
Excellent
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.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationArnoys
since 20232.343.619.572
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area310 m²
Buildings2
Building footprint183 m²
Volume (LiDAR)670 m³
Tallest building10.4 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels 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.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38016A0031/00N039 | Flanders | 310 m² | 2 · 183 m² | 10.3 m · 2 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
0 of 1 acts readWe know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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
Financial profile
4 of 5 axes measured92
/ 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
98
Growth
-
Stability
79
Credit advice
verdict per customer and amountSimilar
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Company registry
Company registry (CBE)
Crossroads BankActivities
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Primary activity highlighted.
Names & trade names
| Legal nameNL | Arnoys |
Registered office
Duinkerkestraat 55
8620 Nieuwpoort, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.