What does AR Finance do?

AR Finance is filed with the CBE under the catch-all “Agenten en makelaars in bankdiensten”, a code that says little about what the company actually does. Private Limited, started on 2 July 2025, 1 establishment.

What is the address of AR Finance?

The registered office of AR Finance is located at Oudenaardsestraat 143, 9500 Geraardsbergen.

Is AR Finance still active?

Yes. According to the CBE (30 September 2026) AR Finance is active, legal situation “Normale toestand”, started on 2 July 2025.

Is AR Finance registered on Peppol?

Yes, AR Finance is registered on the Peppol network with ID 0208:1025026318.

What is the enterprise number of AR Finance?

The enterprise number of AR Finance is BE1025026318.

When was AR Finance founded?

AR Finance was founded on 2 July 2025.

Who are the directors of AR Finance?

According to the 2025 annual accounts, the directors of AR Finance are: Annick ROELAND.

Is AR Finance a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 2 July 2025; 1 annual account filed (fiscal year 2025); 1 directors known from the annual account.

How much profit did AR Finance make in 2025?

AR Finance recorded a loss after taxes of € 24,489 in financial year 2025.

What is the revenue of AR Finance?

As a small company, AR Finance is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € -10,845.

AR Finance (Private Limited) - Geraardsbergen

Dossier AR Finance, printed on 30 September 2026 from databakkes.be/en/1025026318/ar-finance. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Warning lights

Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.

Negative equity NBB

More debt than assets in 1 of the last 1 fiscal years.
Tight liquidity NBB

Cash and receivables cover 43 % of short-term debt in 2025; threshold 65 %.

Financials

Financial year 2025

AR Finance from Geraardsbergen, company number BE1025026318, closed financial year 2025 with a result of € -24,489 after tax. For that financial year AR Finance recorded a gross margin of € -10,845 and equity of € -19,489. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 9, 2026.

What it is worth Caution

€ -19,489

Assets minus debts, by the books. What is left if everything were sold and paid today.

Loss Caution

€ -24,489

Profit after tax over the fiscal year.

Cash in the bank

€ 5,834

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Caution

Loss, nothing to pay out

Reserves fell to € -24,489.

People and assets in 2025

Full-time equivalents estimate The annual accounts report no full-time equivalents. A micro company with one active director is usually run by that person; this is an assumption, not a figure from the source.

≈ 1

No payroll staff. One director, so that person most likely runs the business.

Wage cost estimate Staff cost at a one-person company Staff Only people on the payroll count here.€ 9,623 Likely the director’s social contribution or pension premium.The director’s pay Already netted into the gross margin, not shown separately in the accounts. Typical for one-person companies € 45,000 gross per year minimum for the reduced tax rate≈ € 2,100 net per month after contributions, tax and usually some benefits in kind, roughly Assumption based on the chart of accounts, not a figure from the source.

€ 9,623

No payroll staff. An amount this small is usually a social contribution or pension premium for the director, booked under staff costs.

Vehicles and equipment

€ 1,894

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 12 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 264,500

€ 22,963 is repaid this year. At this pace the long-term loan is gone in ≈ 12 years.

Owed to suppliers

€ 7,175

Supplier invoices still open on the last day of the fiscal year.

Taxes and wages

€ 6,406

Taxes, VAT and social contributions still to pay.

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What happened to AR Finance?

What happened at AR Finance in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Jul 9, 2026 New annual accounts for financial year 2025: loss of € 24,489. Source: NBB ↗
Jul 2, 2025 New establishment in Geraardsbergen. KBO
Jul 2, 2025 Start of the company according to the CBE. KBO

In short

Paid € 115 in corporate taxes since 2025.

Original PDFs at the National Bank ↗

A new publication or filing at AR Finance? We notify you, reason included.

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My folder 3 companies

De Lijn 8 June 2026 New annual account 2025

filed on 8 June 2026

What was left

€ 20 k ▼ 91%
Money in the bank

€ 178 k ▼ 98%

Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit

Real filings at the National Bank

Management

Annick ROELAND

AR Finance

Behind AR Finance is Annick ROELAND.

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Directors

According to the 2025 annual accounts

Annick ROELAND

Director

Establishments

Establishment units

Physical locations of this company

Registered office

Oudenaardsestraat 143

9500 Geraardsbergen

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Details

Company number: 1025.026.318
VAT number: BE 1025.026.318
Registered office: Oudenaardsestraat 143, 9500 Geraardsbergen
Names & denominations: AR Finance
Enterprise type: Rechtspersoon
Legal form: Private limited company
Legal situation: Normale toestand
Start date: 2 July 2025
Peppol: Active · Active since 9 Jul 2025
Contact: [email protected]
Activities · NACE: Agenten en makelaars in bankdiensten

View on CBE Public ↗ Annual accounts (NBB) ↗