Art Emoi
ActiveArt Emoi has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €55k and a net result of €7k. Equity is growing by ~37.5% per year across the filed fiscal years. Its solvency ranks better than 50% of 2043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▼-4
Solvency68▲+21
Growth52=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity short (current ratio 0.69 against 0.49 in 2024; short-term debt: 56.5% and cash: 39% of total assets), and 56.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 85
Relative position
BE, all sectors
reference
Sector 85
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
43.5%
Return on assets
5.8%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-02-2026, 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 · 4 filingsDeviation from the deadline
2025
27 d late
2024
1 d early
2023
38 d late
2022
18 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€55k▲ 15.5%
2024 · €47k
2022: €13k
2023: €28k
2024: €47k
2022 → 2025
Total assets
€126k▼ 42.8%
2024 · €220k
2022: €266k
2023: €223k
2024: €220k
2022 → 2025
Net result
€7k▼ 62.8%
2024 · €20k
2022: €33k
2023: €14k
2024: €20k
2022 → 2025
Working capital
€-22k▲ 75.2%
2024 · €-89k
2022: €-164k
2023: €-119k
2024: €-89k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€13k-€28k▲ 107%€47k▲ 71.6%€55k▲ 15.5%
Operating result€38k-€22k▼ 42.2%€30k▲ 38.2%€12k▼ 60.6%
Net result€33k-€14k▼ 57.1%€20k▲ 38.2%€7k▼ 62.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 61% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €126k
Fixed assets
€77k▼ 43.6%
Current assets
€49k▼ 41.5%
Equity and liabilities €126k
Equity
€55k▲ 15.5%
Debt
€71k▼ 58.8%
The debt ratio falls from 78.5% to 56.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€26k▼
2024 · €50k
Cash flow
€21k▼
2024 · €39k
Solvency
43.5%▲
2024 · 21.5%
Current ratio
0.69▲
2024 · 0.49
Quick ratio
0.69▲
2024 · 0.49
Debt / equity
1.30▼
2024 · 3.65
ROE
13.4%▼
2024 · 41.7%
ROA
5.8%▼
2024 · 9.0%
Interest coverage
12.45▼
2024 · 16.94
Debt
€71k▼
2024 · €173k
Debt ≤ 1 year
€71k▼
2024 · €173k
Income taxes
€3k▼
2024 · €8k
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€220k€126k▼
Fixed assets21/28€136k€77k▼
Intangible fixed assets21€104k€49k▼
Tangible fixed assets22/27€32k€28k▼
Furniture and vehicles24€3k€2k▼
Other tangible fixed assets26€30k€26k▼
Current assets29/58€84k€49k▼
Amounts receivable within one year40/41€14k€33▼
Trade receivables40€13k-
Other amounts receivable41€1k€33▼
Current investments50/53€70k-
Cash at bank and in hand54/58-€49k
Deferred charges and accrued income490/1€147-
Equity and liabilities
Total equity and liabilities10/49€220k€126k▼
Equity10/15€47k€55k▲
Contributions10/11€5k€5k=
Reserves13€42k€42k=
Distributable reserves133€42k€42k=
Profit (loss) carried forward14-€7k
Amounts payable17/49€173k€71k▼
Amounts payable within one year42/48€173k€71k▼
Trade debts44€12k€2k▼
Suppliers440/4€12k€2k▼
Bills of exchange payable441-€387
Advances received on contracts in progress46€703-
Taxes, remuneration and social security45€18k€9k▼
Taxes450/3€18k€9k▼
Other amounts payable47/48€142k€60k▼
Income statement
Code20242025
Non-recurring operating income76A-€19k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€14k▼
Other operating charges640/8€762€340▼
Non-recurring operating charges66A-€210
Gross operating margin9900€51k€26k▼
Operating profit (loss)9901€30k€12k▼
Financial income75/76B€76€1▼
Recurring financial income75€76€1▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€27k€10k▼
Income taxes67/77€8k€3k▼
Profit (loss) for the period9904€20k€7k▼
Profit (loss) for the period to be appropriated9905€20k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€20k€7k▼
Transfer to equity691/2€20k-
To other reserves6921€20k-
The notes to these accounts (10 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
27-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
30-06
Financial
Weakest financial yearnet €7k ▼62.8%
Net result drops to €7k, the lowest in the series.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
09-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 38 days late
2023
18-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 18 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, Namur · 2 establishment units since 2021
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 de la Colline 655000 NamurGround area
1.1 ha
Building footprint
363 m²
Volume, LiDAR
1,774 m³
3 parcels, Wallonia · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
-
since 20212.320.583.953
-
since 20212.320.584.052
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92302D0236/00B011 | Wallonia | 9,169 m² | 1 · 161 m² | 9.3 m · 2 fl. |
| 25094A0227/00K000 | Wallonia | 1,348 m² | 1 · 103 m² | 8.4 m · 2 fl. |
| 61038A0556/00C000 ProtectedSite or landscape |
Wallonia | 587 m² | 1 · 99 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 3,017 companies in sector 85592 we hold annual accounts for 987. 708 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-08-2021
Fiscal year end30-06
Activities, NACEBEL
85592Vocational training
86909Human health activities
86995Nutrition and dietetics services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.
Contact details
3 entriesE-mail:nathaliehanot@yahoo.fr
Phone:+32478640926
Phone:0478640926