Art & Design AD
ActiveArt & Design AD has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €13k and a net result of €-8k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 40% of 678 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
41
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-98
Solvency57▼-43
Growth35▼-30
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.39 against 3.57 in 2024; short-term debt: 68% and cash: 3.9% of total assets), and 68% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 58
Relative position
BE, all sectors
reference
Sector 58
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
32%
Return on assets
-21.4%
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 27-08-2026, 27 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 · 8 filingsDeviation from the deadline
2025
27 d late
2024
31 d late
2023
52 d late
2022
61 d late
2021
23 d late
2020
31 d late
2019
28 d late
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€46k▼ 2.4%
2024 · €47k
2018: €40k
2021: €21k
2024: €47k
2018 → 2025
EBIT margin
-15.9%▼ 33.2pp
2024 · 17.3%
2018: 2.9%
2021: 8.0%
2024: 17.3%
2018 → 2025
Net result
€-8k
2024 · €6k
2018: €1k
2019: €781
2020: €-10k
2021: €351
2022: €5k
2023: €2k
2024: €6k
2018 → 2025
Working capital
€11k▼ 33.6%
2024 · €16k
2018: €19k
2019: €20k
2020: €7k
2021: €7k
2022: €12k
2023: €18k
2024: €16k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€21k-€47k€46k▼ 2.4%
Equity€9k-€14k▲ 48.8%€16k▲ 16.7%€21k▲ 31.0%€13k▼ 40.0%
Operating result€2k-€6k▲ 230%€3k▼ 50.2%€8k▲ 189%€-7k
Net result€351-€5k▲ 1,318%€2k▼ 54.1%€6k▲ 173%€-8k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €7k after €8k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €39k
Fixed assets
€2k▼ 59.8%
Current assets
€37k▲ 68.9%
Equity and liabilities €39k
Equity
€13k▼ 40.0%
Debt
€27k▲ 333%
The debt ratio rises from 22.7% to 68.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-5k▼
2024 · €10k
Cash flow
€-6k▼
2024 · €8k
Solvency
32.0%▼
2024 · 77.3%
Current ratio
1.39▼
2024 · 3.57
Quick ratio
1.23▼
2024 · 2.47
Debt / equity
2.12▲
2024 · 0.29
ROE
-66.6%▼
2024 · 29.8%
ROA
-21.4%▼
2024 · 23.1%
Interest coverage
-121.19▼
2024 · 10.36
Debt
€27k▲
2024 · €6k
Debt ≤ 1 year
€27k▲
2024 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€27k€39k▲
Fixed assets21/28€5k€2k▼
Tangible fixed assets22/27€4k€2k▼
Furniture and vehicles24€4k€2k▼
Financial fixed assets28€1k-
Current assets29/58€22k€37k▲
Stocks and contracts in progress3€7k€5k▼
Stocks30/36€7k€5k▼
Amounts receivable within one year40/41€12k€31k▲
Trade receivables40€8k€16k▲
Other amounts receivable41€4k€15k▲
Cash at bank and in hand54/58€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€27k€39k▲
Equity10/15€21k€13k▼
Contributions10/11€19k€19k=
Capital10€19k-
Issued capital100€19k-
Profit (loss) carried forward14€2k€-6k▼
Amounts payable17/49€6k€27k▲
Amounts payable within one year42/48€6k€27k▲
Trade debts44€6k€27k▲
Suppliers440/4€6k€27k▲
Other amounts payable47/48€500€30▼
Income statement
Code20242025
Turnover70€47k€46k▼
Non-recurring operating income76A€54-
Goods, raw materials, services and sundry goods60/61€37k€48k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k=
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€83
Other operating charges640/8-€3k
Gross operating margin9900€10k€-2k▼
Operating profit (loss)9901€8k€-7k▼
Financial income75/76B€297-
Recurring financial income75€297-
Non-recurring financial income76B€297-
Financial charges65/66B€978€1k▲
Recurring financial charges65€978€43▼
Non-recurring financial charges66B-€1k
Profit (loss) for the period before taxes9903€7k€-8k▼
Income taxes67/77€1k-
Profit (loss) for the period9904€6k€-8k▼
Profit (loss) for the period to be appropriated9905€6k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2k€-6k▼
Profit (loss) brought forward from the previous period14P€-4k€2k▲
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 31 days late
2024
31-12
Financial
Highest result since 2018net €6k ▲173%
Operating result €8k, net result €6k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 3.57
Current ratio from 1.38 to 3.57; short-term debt falls from €46k to €6k.
21-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 52 days late
2023
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
31-12
Financial
Back to profitnet €351
Net result €351 after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-10k ▼1323%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Liquidity quadruplescurrent ratio 81.41
Current ratio from 18.86 to 81.41; short-term debt falls from €1k to €249.
17-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 48 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Sint-Jans-Molenbeek · 1 establishment unit since 2017
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.
Koolmijnenkaai 62 - 3.11080 Sint-Jans-MolenbeekGround area
752 m²
Building footprint
590 m²
Volume, LiDAR
11,122 m³
Parcel 21012A0228/00W008, Brussels · tallest building 24.3 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Art & Design AD- Kozo Edition - Sur le Quai - Instant Declic Brussels - Alain M
since 20172.267.962.443
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21012A0228/00W008 | Brussels | 752 m² | 1 · 590 m² | 24.3 m · 7 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.
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MEDIATRAINING
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TRIOX
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CRMax
BE 0780.936.310
Sint-Truiden · Eq €14k
Of 718 companies in sector 58190 we hold annual accounts for 214. 114 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-07-2017
Fiscal year end31-12
Trade name FR
- Kozo Edition - Sur le Quai - Instant Declic Brussels - Alain M
Activities, NACEBEL
58190Other publishing activities, excluding software publishing
55900Accommodation
58130Publishing activities
58140Publishing activities
68110Buying and selling of own real estate
70200Business and other management consultancy
70220Business consulting
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.