ART&MISIA
ActiveART&MISIA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €76k and a net result of €39k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 15% of 2410 sector peers (fiscal year 2025). The company has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 2410 sector peers (2025).
NBB · sector comparisonPosition among 2410 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
69 d early
2023
49 d early
2022
20 d early
2021
53 d late
2020
27 d late
2019
35 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€76k▲ 107%
2024 · €37k
2018: €36k
2019: €52k
2020: €-73k
2021: €-56k
2022: €-53k
2023: €-26k
2024: €37k
2018 → 2025
Net result
€39k▼ 37.5%
2024 · €63k
2018: €9k
2019: €16k
2020: €-125k
2021: €17k
2022: €4k
2023: €26k
2024: €63k
2018 → 2025
Total assets
€989k▲ 50.0%
2024 · €659k
2018: €392k
2019: €380k
2020: €536k
2021: €663k
2022: €677k
2023: €664k
2024: €659k
2018 → 2025
Solvency
7.7%▲ 2.1pp
2024 · 5.6%
2018: 9.2%
2019: 13.8%
2020: -13.7%
2021: -8.5%
2022: -7.8%
2023: -4.0%
2024: 5.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-56k-€-53k▲ 6.3%€-26k▲ 49.9%€37k€76k▲ 107%
Operating result€28k-€12k▼ 58.7%€34k▲ 190%€50k▲ 47.5%€44k▼ 10.7%
Net result€17k-€4k▼ 78.9%€26k▲ 644%€63k▲ 140%€39k▼ 37.5%
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 11% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €989k
Fixed assets
€953k▲ 48.2%
Current assets
€37k▲ 122%
Equity and liabilities €989k
Equity
€76k▲ 107%
Debt
€913k▲ 46.6%
The debt ratio falls from 94.4% to 92.3%: equity grows faster than debt.
Key figures and ratios
Solvency
7.7%▲
2024 · 5.6%
ROE
51.8%▼
2024 · 172.0%
ROA
4.0%▼
2024 · 9.6%
Debt
€913k▲
2024 · €623k
Debt ≤ 1 year
€612k▲
2024 · €298k
Debt > 1 year
€301k▼
2024 · €325k
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€659k€989k▲
Fixed assets21/28€643k€953k▲
Tangible fixed assets22/27€113k€423k▲
Land and buildings22€113k€412k▲
Plant, machinery and equipment23-€9k
Furniture and vehicles24-€2k
Financial fixed assets28€530k€530k=
Current assets29/58€16k€37k▲
Amounts receivable within one year40/41€12k€20k▲
Trade receivables40€12k€20k▲
Other amounts receivable41€21€19▼
Cash at bank and in hand54/58€4k€16k▲
Deferred charges and accrued income490/1€575€776▲
Equity and liabilities
Total equity and liabilities10/49€659k€989k▲
Equity10/15€37k€76k▲
Contributions10/11€19k€19k=
Reserves13€1k€1k=
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Profit (loss) carried forward14€17k€57k▲
Amounts payable17/49€623k€913k▲
Amounts payable after more than one year17€325k€301k▼
Financial debts170/4€323k€296k▼
Other amounts payable178/9€2k€5k▲
Amounts payable within one year42/48€298k€612k▲
Current portion of amounts payable after more than one year42€59k€62k▲
Trade debts44€496€13k▲
Suppliers440/4€496€13k▲
Taxes, remuneration and social security45€931€2k▲
Taxes450/3€931€2k▲
Other amounts payable47/48€237k€535k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€15k▲
Other operating charges640/8€668€3k▲
Gross operating margin9900€54k€63k▲
Operating profit (loss)9901€50k€44k▼
Financial income75/76B€20k-
Recurring financial income75€20k-
Financial charges65/66B€7k€5k▼
Recurring financial charges65€7k€5k▼
Profit (loss) for the period before taxes9903€63k€39k▼
Profit (loss) for the period9904€63k€39k▼
Profit (loss) for the period to be appropriated9905€63k€39k▼
Appropriation of the result
Profit (loss) to be appropriated9906€17k€57k▲
Profit (loss) brought forward from the previous period14P€-46k€17k▲
The notes to these accounts (8 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €63k ▲140%
Operating result €50k, net result €63k, both a record.
12-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 53 days late
2021
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Weakest financial yearnet €-125k ▼872%
Net result drops to €-125k, the lowest in the series; recovery starts the following year.
04-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 35 days late
2019
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 19 days late
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Andenne · 1 establishment unit since 2000
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 Stud 105300 AndenneGround area
895 m²
Building footprint
127 m²
Parcel 92402G0412/00V003, Wallonia. Linked by address, not a title deed.
1 establishment unit
ART&MISIA
since 20002.096.438.828
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92402G0412/00V003 | Wallonia | 895 m² | 1 · 127 m² | - |
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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WEGASSUR
BE 0433.530.711
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Brels
BE 0784.568.959
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ASSURANCES DEWEZ
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Of 4,670 companies in sector 66220 we hold annual accounts for 3,216. 2,558 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded15-02-2000
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
91300Libraries, archives, museums and other cultural activities
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:xavierbeaujean@hotmail.com
Phone:0479/999122