Arta Bouw
ActiveThe computed 12-month bankruptcy probability of Arta Bouw is 1.9% (moderate). The 2025 annual accounts show equity of €72k and a net result of €21k. Equity is growing by ~61.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 27450 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 30.78 against 9.75 in 2024; short-term debt: 3.1% and cash: 57% of total assets), and 3.1% 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
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
96.9%
Return on assets
27.8%
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 03-08-2026, 3 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 · 5 filingsDeviation from the deadline
2025
3 d late
2024
30 d late
2023
31 d late
2022
31 d late
2021
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€72k▼ 21.3%
2024 · €91k
2021: €5k
2022: €41k
2023: €52k
2024: €91k
2021 → 2025
Total assets
€74k▼ 27.0%
2024 · €101k
2021: €16k
2022: €49k
2023: €63k
2024: €101k
2021 → 2025
Net result
€21k▼ 48.0%
2024 · €40k
2021: €4k
2022: €36k
2023: €10k
2024: €40k
2021 → 2025
Working capital
€69k▼ 21.4%
2024 · €87k
2021: €5k
2022: €41k
2023: €47k
2024: €87k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5k-€41k▲ 679%€52k▲ 24.4%€91k▲ 76.7%€72k▼ 21.3%
Operating result€5k-€47k▲ 787%€15k▼ 68.7%€52k▲ 255%€31k▼ 41.6%
Net result€4k-€36k▲ 846%€10k▼ 72.0%€40k▲ 290%€21k▼ 48.0%
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 42% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €74k
Fixed assets
€3k▼ 23.7%
Current assets
€71k▼ 27.1%
Equity and liabilities €74k
Equity
€72k▼ 21.3%
Debt
€2k▼ 77.5%
The debt ratio falls from 10.1% to 3.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€33k▼
2024 · €55k
Cash flow
€23k▼
2024 · €42k
Solvency
96.9%▲
2024 · 89.9%
Current ratio
30.78▲
2024 · 9.75
Quick ratio
29.27▲
2024 · 9.40
Debt / equity
0.03▼
2024 · 0.11
ROE
28.7%▼
2024 · 43.4%
ROA
27.8%▼
2024 · 39.0%
Interest coverage
395.16▼
2024 · 597.32
Debt
€2k▼
2024 · €10k
Debt ≤ 1 year
€2k▼
2024 · €10k
Income taxes
€10k▼
2024 · €13k
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€101k€74k▼
Fixed assets21/28€4k€3k▼
Tangible fixed assets22/27€4k€3k▼
Plant, machinery and equipment23€884€1k▲
Furniture and vehicles24€3k€2k▼
Current assets29/58€97k€71k▼
Stocks and contracts in progress3€4k€4k▼
Contracts in progress37€4k€4k▼
Amounts receivable within one year40/41€34k€24k▼
Trade receivables40€13k-
Other amounts receivable41€21k€24k▲
Cash at bank and in hand54/58€59k€42k▼
Deferred charges and accrued income490/1€823€897▲
Equity and liabilities
Total equity and liabilities10/49€101k€74k▼
Equity10/15€91k€72k▼
Contributions10/11€2k€2k=
Reserves13€90k€70k▼
Distributable reserves133€90k€70k▼
Amounts payable17/49€10k€2k▼
Amounts payable within one year42/48€10k€2k▼
Trade debts44€179€305▲
Suppliers440/4€179€305▲
Taxes, remuneration and social security45€10k€2k▼
Taxes450/3€10k€2k▼
Accrued charges and deferred income492/3€265-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€56k€34k▼
Operating profit (loss)9901€52k€31k▼
Financial charges65/66B€92€83▼
Recurring financial charges65€92€83▼
Profit (loss) for the period before taxes9903€52k€31k▼
Income taxes67/77€13k€10k▼
Profit (loss) for the period9904€40k€21k▼
Profit (loss) for the period to be appropriated9905€40k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€40k€21k▼
Transfer from equity791/2-€40k
Transfer to equity691/2€40k€21k▼
To other reserves6921€40k€21k▼
Profit to be distributed694/7-€40k
Return on contributions (dividend)694-€40k
The notes to these accounts (7 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
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
31-12
Financial
Liquidity triplescurrent ratio 30.78
Current ratio from 9.75 to 30.78; short-term debt falls from €10k to €2k.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Highest result since 2021net €40k ▲290%
Operating result €52k, net result €40k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Liquidity times 5current ratio 6.73
Current ratio from 1.47 to 6.73; short-term debt falls from €11k to €7k.
28-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 28 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, Westerlo · 1 establishment unit 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.
Polderstraat 12260 WesterloGround area
895 m²
Building footprint
678 m²
Volume, LiDAR
4,931 m³
Parcel 13049B0544/02P000, Flanders · tallest building 13.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Arta Bouw
since 20212.317.435.512
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13049B0544/02P000 | Flanders | 895 m² | 1 · 678 m² | 13.8 m · 3 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.
Similar companies · same sector, comparable size
Trendy Home
BE 0874.473.212
Menen · Eq €72k
RENODOM
BE 0475.026.123
Sint-Lambrechts-Woluwe · Eq €72k
IsoThermoPur
BE 0535.747.331
Rochefort · Eq €71k
ISOFLEX
BE 0878.375.283
Wevelgem · Eq €71k
MESTERS IMMOBILIER
BE 0750.927.082
Spa · Eq €71k
Of 4,268 companies in sector 43230 we hold annual accounts for 1,239. 1,041 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-03-2021
Fiscal year end31-12
Activities, NACEBEL
43230Insulation installation
43291Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.