ABC ARTIFICES
ActiveSummary
ABC ARTIFICES has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €27k and a net result of €-5k. Equity is shrinking by ~6.5% per year across the filed fiscal years. Its solvency ranks better than 88% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 4.66 against 7.03 in 2024; short-term debt: 19.3% and cash: 9.4% of total assets), and 19.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
80.7%
Return on assets
-16.6%
Age of the figures
18 mo
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 · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year €-5k
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 16-09-2025, 45 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
45 d early
2024
43 d early
2023
41 d early
2022
7 d early
2021
39 d early
2020
2 d early
2019
7 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 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€27k▼ 17.0%
2024 · €32k
2019: €48k
2020: €35k
2021: €35k
2022: €38k
2023: €40k
2024: €32k
2019 → 2025
Total assets
€33k▼ 9.8%
2024 · €37k
2019: €58k
2020: €37k
2021: €36k
2022: €42k
2023: €43k
2024: €37k
2019 → 2025
Net result
€-5k▲ 31.2%
2024 · €-8k
2019: €1k
2020: €-13k
2021: €-397
2022: €3k
2023: €2k
2024: €-8k
2019 → 2025
Working capital
€23k▼ 14.0%
2024 · €27k
2019: €46k
2020: €22k
2021: €23k
2022: €30k
2023: €35k
2024: €27k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€35k-€38k▲ 9.4%€40k▲ 5.2%€32k▼ 19.8%€27k▼ 17.0%
Operating result€-15k-€-11k▲ 22.3%€531€-9k€-6k▲ 27.9%
Net result€-397-€3k€2k▼ 39.1%€-8k€-5k▲ 31.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €6k in 2025 against €9k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €33k
Fixed assets
€3k ▼ 33.3%
Current assets
€30k ▼ 6.1%
Equity and liabilities €33k
Equity
€27k ▼ 17.0%
Debt
€6k ▲ 41.5%
Debt's share of the balance-sheet total rises from 12.3% to 19.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-5k▼
2024 · €-4k
Cash flow
€-4k▼
2024 · €-4k
Current ratio
4.66▼
2024 · 7.03
Quick ratio
3.34▼
2024 · 5.50
Debt to equity
0.24▲
2024 · 0.14
ROE
-20.5%▲
2024 · -24.8%
ROA
-16.6%▲
2024 · -21.7%
Interest coverage
-23.42▼
2024 · -23.01
Debt ≤ 1 year
€6k▲
2024 · €5k
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 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€37k€33k▼
Fixed assets21/28€5k€3k▼
Tangible fixed assets22/27€5k€3k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€32k€30k▼
Stocks and contracts in progress3€7k€8k▲
Stocks30/36€7k€8k▲
Amounts receivable within one year40/41€23k€17k▼
Trade receivables40€700€1k▲
Other amounts receivable41€22k€16k▼
Cash at bank and in hand54/58€625€3k▲
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€37k€33k▼
Equity10/15€32k€27k▼
Contributions10/11€12k€12k=
Outside capital11€12k€12k=
Other1109/19€12k€12k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€18k€12k▼
Amounts payable17/49€5k€6k▲
Amounts payable within one year42/48€5k€6k▲
Trade debts44€443€5k▲
Suppliers440/4€443€5k▲
Taxes, remuneration and social security45€4k€2k▼
Taxes450/3€4k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€2k▼
Other operating charges640/8€149€149▼
Gross operating margin9900€-4k€-5k▼
Operating profit (loss)9901€-9k€-6k▲
Financial income75/76B€1k€1k▲
Recurring financial income75€1k€1k▲
Financial charges65/66B€195€204▲
Recurring financial charges65€195€204▲
Profit (loss) for the period before taxes9903€-8k€-5k▲
Profit (loss) for the period9904€-8k€-5k▲
Profit (loss) for the period to be appropriated9905€-8k€-5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€12k▼
Profit (loss) brought forward from the previous period14P€26k€18k▼
The notes to these accounts (3 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
2025
16-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
18-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
20-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
24-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
2021
22-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Weakest financial yearnet €-13k ▼1357%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
31-03
Financial
Liquidity triplescurrent ratio 15.75
Current ratio from 5.73 to 15.75; short-term debt falls from €10k to €2k.
2019
24-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
08-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 8 days late
2016
05-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Namur · 1 establishment unit since 2012
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.
Rue Sainte-Rita(BU) 765004 NamurGround area
1,196 m²
Building footprint
264 m²
Volume, LiDAR
1,397 m³
2 parcels, Wallonia · tallest building 13.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ABC ARTIFICES
since 20122.207.100.881
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92021C0161/00Z000 | Wallonia | 882 m² | 1 · 114 m² | - |
| 92322D0143/00B000 | Wallonia | 314 m² | 1 · 149 m² | 13.1 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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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CHAPA MODE
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PRINTSTAD
BE 0551.935.542
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Ogloba
BE 0781.485.844
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Of 4,243 companies in sector 47789 we hold annual accounts for 1,019. 683 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
Founded24-02-2012
Fiscal year end31-03
Activities, NACEBEL 2025
47789Other retail sale of new goods
47715Retail trade
47784Retail sale of souvenirs and religious articles
63910Web portal activities
73110Advertising agencies
81210General cleaning of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:abcartifices@gmail.com
Phone:0477/46.75.37