Apart
ActiveSummary
Apart has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €58k and a net result of €-10k. Equity is growing by ~6.1% per year across the filed fiscal years. Its solvency ranks better than 23% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability27▼-5
Solvency48▲+1
Growth52=
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.29 against 1.28 in 2024; short-term debt: 77.4% and cash: 37.1% of total assets), and 77.4% 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 · 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← 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
22.6%
Return on assets
-4%
Age of the figures
9 mo
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
22232425
2022 to 2025 · latest year €-10k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 9460 sector peers (2025).
NBB · sector comparisonPosition among 9460 sector peers
Solvency
better than 23%
← weakest
strongest →
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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
61 d late
2023
28 d late
2022
87 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, micro schema
Equity
€58k▼ 15.2%
2024 · €68k
2022: €14k
2023: €75k
2024: €68k
2022 → 2025
Total assets
€255k▼ 18.4%
2024 · €313k
2022: €36k
2023: €234k
2024: €313k
2022 → 2025
Net result
€-10k▼ 51.1%
2024 · €-7k
2022: €10k
2023: €61k
2024: €-7k
2022 → 2025
Working capital
€58k▼ 15.2%
2024 · €68k
2022: €14k
2023: €75k
2024: €68k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€14k-€75k▲ 426%€68k▼ 9.1%€58k▼ 15.2%
Operating result€13k-€83k▲ 551%€-7k€-6k▲ 5.7%
Net result€10k-€61k▲ 493%€-7k€-10k▼ 51.1%
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 €7k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €255k
Equity
€58k ▼ 15.2%
Debt
€198k ▼ 19.2%
Debt's share of the balance-sheet total falls from 78.3% to 77.4%. Equity and debt are lower.
Key figures and ratios
Current ratio
1.29▲
2024 · 1.28
Debt to equity
3.43▼
2024 · 3.60
ROE
-17.9%▼
2024 · -10.0%
ROA
-4.0%▼
2024 · -2.2%
Debt ≤ 1 year
€198k▼
2024 · €245k
Income taxes
€4k▲
2024 · €0
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 · 28 lines
Balance sheet
Code20242025
Assets
Total assets20/58€313k€255k▼
Current assets29/58€313k€255k▼
Amounts receivable within one year40/41€88k€161k▲
Trade receivables40€88k€161k▲
Cash at bank and in hand54/58€189k€95k▼
Deferred charges and accrued income490/1€36k€0▼
Equity and liabilities
Total equity and liabilities10/49€313k€255k▼
Equity10/15€68k€58k▼
Contributions10/11€4k€4k=
Profit (loss) carried forward14€64k€54k▼
Amounts payable17/49€245k€198k▼
Amounts payable within one year42/48€245k€198k▼
Trade debts44€189k€181k▼
Suppliers440/4€189k€181k▼
Taxes, remuneration and social security45€56k€14k▼
Taxes450/3€56k€14k▼
Other amounts payable47/48-€3k
Income statement
Code20242025
Other operating charges640/8-€25k
Gross operating margin9900€-7k€19k▲
Operating profit (loss)9901€-7k€-6k▲
Financial charges65/66B€71€80▲
Recurring financial charges65€71€80▲
Profit (loss) for the period before taxes9903€-7k€-6k▲
Income taxes67/77€0€4k▲
Profit (loss) for the period9904€-7k€-10k▼
Profit (loss) for the period to be appropriated9905€-7k€-10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€64k€54k▼
Profit (loss) brought forward from the previous period14P€71k€64k▼
The notes to these accounts (4 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 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Highest result since 2022net €61k ▲493%
Operating result €83k, net result €61k, both a record.
26-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 87 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We 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.
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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, Aarschot
Ground area
173 m²
Building footprint
104 m²
Volume, LiDAR
652 m³
Parcel 24662E0062/00Y015, Flanders · tallest building 11.2 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24662E0062/00Y015 | Flanders | 172 m² | 1 · 103 m² | 11.2 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
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DEMO ARCHITECTURE D'INTERIEUR
BE 0546.906.487
Ukkel · Eq €57,387
imore
BE 0550.480.641
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Studio Mitch
BE 0793.441.192
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NDJ CONSTRUCT
BE 0802.640.851
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Of 3,920 companies in sector 71112 we hold annual accounts for 1,295. 1,084 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
Founded06-12-2021
Fiscal year end31-12
Activities, NACEBEL 2025
71112Activities of interior architects
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.