Art&Cho

Active

Private limited companyfounded 2025active for 1 yearRue Louis-Denamur, Ernage 30, 5030 Gembloux, BelgiumKBO/BCE: BE 1025.087.387

Summary

Art&Cho has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €32,312 and a net result of €29,312. Its solvency ranks better than 76% of 4,295 sector peers (NACE 74, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisFollow Report Compare

Art&ChoActiveChecked score 88/100

Risk analysis Report Compare

Activity

Translation services

NACE 74301

1 site

Size

€42,868total assets 2025

Equity: €32,312
Profit: €29,312

Turnover not published (micro format)

Financial health

88 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.3%

Structure

Accounts 52 days early0 of 1 deed read

Why 88raises riskSize: total assets €42,868Founded in 2025lowers riskSector: Other professional, scientific and technical activities (NACE 74)Figures for financial year 2025 (filed 09-06-2026)Show the evidence

Checked score

Score 2025

88 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 73% of its sector peers (NACE 74, micro)

Every signal that counts is listed under Signals.

Financial strength

Strong

Solvency 100

equity 75.4% of total assets

Liquidity 52

short-term debt 24.6% · cash 9.0%

Profitability 100

return on assets 68.4%

Bankruptcy probability, 12 months

0.3% Very low

0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (5,408 companies, NACE 74, micro)

Last 24 months 08-2026: 0.3%lowest value 09-2026: 0.3%● unchanged vs 08-2026lowest value 10-2026: 0.3%● unchanged vs 09-2026highest value

Credit of up to €2,500 on 30-day terms is acceptable

Liquidity ample (current ratio 3.69; short-term debt: 24.6% and cash: 9% of total assets), and 24.6% of the assets are financed with debt.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 74, micro): better than 88% on solvency, 41% on liquidity and 88% on profitability.

The bankruptcy probability was computed on 09-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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