ARDEMO
ActiveSummary
ARDEMO has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €13k and a net result of €4k. Equity is growing by ~46.3% per year across the filed fiscal years. Its solvency ranks better than 84% of 3480 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+37
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 5.78 against 3.46 in 2024; short-term debt: 15.8% and cash: 41.5% of total assets), and 15.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 74
Relative position
BE, all sectors
reference
Sector 74
lower
← 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
84.2%
Return on assets
24.8%
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 20-08-2026, 20 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 · 6 filingsDeviation from the deadline
2025
20 d late
2024
42 d early
2023
8 d late
2022
17 d late
2021
12 d late
2020
17 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
€13k▲ 41.7%
2024 · €9k
2020: €-407
2021: €2k
2022: €3k
2023: €9k
2024: €9k
2020 → 2025
Total assets
€15k▲ 27.0%
2024 · €12k
2020: €593
2021: €4k
2022: €4k
2023: €11k
2024: €12k
2020 → 2025
Net result
€4k▲ 456%
2024 · €690
2020: €-3k
2021: €2k
2022: €2k
2023: €5k
2024: €690
2020 → 2025
Working capital
€12k▲ 58.5%
2024 · €7k
2020: €-407
2021: €2k
2022: €3k
2023: €9k
2024: €7k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2k-€3k▲ 105%€9k▲ 174%€9k▲ 8.1%€13k▲ 41.7%
Operating result€2k-€2k▼ 16.1%€7k▲ 336%€894▼ 87.6%€5k▲ 459%
Net result€2k-€2k▼ 17.3%€5k▲ 239%€690▼ 87.2%€4k▲ 456%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 459% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €15k
Fixed assets
€1k ▼ 25.8%
Current assets
€14k ▲ 36.3%
Equity and liabilities €15k
Equity
€13k ▲ 41.7%
Debt
€2k ▼ 18.3%
Debt's share of the balance-sheet total falls from 24.5% to 15.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€5k▲
2024 · €951
Cash flow
€4k▲
2024 · €747
Current ratio
5.78▲
2024 · 3.46
Debt to equity
0.19▼
2024 · 0.33
ROE
29.4%▲
2024 · 7.5%
ROA
24.8%▲
2024 · 5.7%
Interest coverage
35.97▲
2024 · 4.46
Debt ≤ 1 year
€2k▼
2024 · €3k
Income taxes
€1k▲
2024 · €340
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 · 33 lines
Balance sheet
Code20242025
Assets
Total assets20/58€12k€15k▲
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€2k€1k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€10k€14k▲
Amounts receivable within one year40/41€10k€8k▼
Trade receivables40€4k-
Other amounts receivable41€6k€8k▲
Cash at bank and in hand54/58€42€6k▲
Equity and liabilities
Total equity and liabilities10/49€12k€15k▲
Equity10/15€9k€13k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€6k€10k▲
Amounts payable17/49€3k€2k▼
Amounts payable within one year42/48€3k€2k▼
Trade debts44€521-
Suppliers440/4€521-
Taxes, remuneration and social security45€2k€2k▼
Taxes450/3€2k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€57€471▲
Other operating charges640/8€387€411▲
Gross operating margin9900€1k€6k▲
Operating profit (loss)9901€894€5k▲
Financial income75/76B€349€379▲
Recurring financial income75€349€379▲
Financial charges65/66B€213€152▼
Recurring financial charges65€213€152▼
Profit (loss) for the period before taxes9903€1k€5k▲
Income taxes67/77€340€1k▲
Profit (loss) for the period9904€690€4k▲
Profit (loss) for the period to be appropriated9905€690€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€10k▲
Profit (loss) brought forward from the previous period14P€6k€6k▲
The notes to these accounts (5 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
2023
31-12
Financial
Highest result since 2020net €5k ▲239%
Operating result €7k, net result €5k, both a record.
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 5.52
Current ratio from 1.69 to 5.52; short-term debt falls from €2k to €687.
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.69
Current ratio from 0.59 to 1.69.
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Lessines · 1 establishment unit since 2020
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.
Chaussée Victor Lampe(OL) 547866 LessinesGround area
8,437 m²
Building footprint
1,401 m²
Volume, LiDAR
802 m³
2 parcels, Wallonia · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Zoning ouest(L) 27, 7860 Lessines
since 20202.299.992.338
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55023C0376/00F000 | Wallonia | 6,938 m² | 1 · 1,253 m² | - |
| 55030B0506/00B000 | Wallonia | 1,499 m² | 1 · 148 m² | 7.6 m · 2 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
Vitamin Studio
BE 0781.391.616
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OCTA-CONCEPT
BE 0558.841.249
Schaarbeek · Eq €13,257
DAZRA DESIGN
BE 1024.993.951
Schaarbeek · Eq €13,294
ONEPERCENT
BE 0507.959.009
Meise · Eq €12,671
AVIDA
BE 1021.862.237
Brussel · Eq €12,662
Of 1,236 companies in sector 74140 we hold annual accounts for 353. 217 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
Founded13-12-2019
Fiscal year end31-12
Activities, NACEBEL 2025
74140Other specialised design activities
31009Manufacture of furniture
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:068/445823