Losses
-€4,133 in two years
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
ARTE RAMA
Lifetime
20 annual accounts with figures on one time axis, 29 filings since 1997peak €3,801 (2023)
-€1,201▼ €67
lowest -€19,243 (2014)
-€2,065▲ €2
peak €323,709 (2006)
€247,386▼ 0.8%
€5,250▼ 63.0%
peak 0 FTE (2025)
0 FTE
Board7 names since 2015
4 directorsCommV Peil and 3 others
Owners4 names in the annual accounts
Documentsfilings and deeds
20-08-202620 days late
2025financial year
Loss of €2,065Debts from €14,189 to €5,250Cash from €23,234 to €12,230
Key points
from the 2025 annual accountsChecked score
92
Excellent
Financially stronger than 55% of micro companies in retail trade (NACE 47)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,271 companies (NACE 47, micro).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025lowest value
02-2026: 0.1%● unchanged vs 01-2026lowest value
03-2026: 0.1%● unchanged vs 02-2026lowest value
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.2%▲ +0.1 percentage points vs 06-2026
08-2026: 0.3%▲ +0.1 percentage points vs 07-2026highest value
09-2026: 0.1%▼ -0.2 percentage points vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Sector: Retail trade (NACE 47)
lowers risk
Founded in 1996
Equity €247,386 (97.9% of total assets)
Figures for financial year 2025 (filed on 20-08-2026)
Calculation
The band follows from the bankruptcy probability. 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 47, micro). It does better than 92% of them on solvency, 62% on liquidity, 27% on profitability and 37% on growth.
The bankruptcy probability was computed on 08-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 12,322 companies had the same profile as ARTE RAMA has now. Each dot stands for 31 companies, two years later.
90.3%
were still trading
8.6%
stopped another way
0.7%
went bankrupt
Another 0.5% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of ARTE RAMA itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 12,322 companies, not a prediction for ARTE RAMA. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €22,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 48.12 (18.58 in 2024), above the usual 1.5. Short-term debt is 2.1% and cash 4.8% of total assets. 2.1% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
20 days late
2024
69 days early
2023
55 days early
2022
21 days early
2021
130 days early
2020
31 days late
2019
7 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 33 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 7 June (4 of the last 5 accounts filed within 74 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- Bernaerts Auctioneers 100%score 98equity €3.5m (2025) · 2025 annual accounts of Bernaerts Auctioneers
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0457023418
2 directors reappointed
Commanditaire Vennootschap Peil (director) and Commanditaire Vennootschap Crimo (director) · Permanent representatives: Peter Bernaerts and Christophe Bernaerts · General meeting of 13-10-2023 · Gazette deed
3 directors reappointed
Bernaerts Edmond (managing director), CommV Peil and CommV Crimo · Permanent representatives: Peter Bernaerts and Christophe Bernaerts · General meeting of 29-06-2020 · Gazette deed
First establishment
Verlatstraat 16 - 22, Antwerp
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| ARTE RAMA Antwerp | €252,636 | -€1,201 | 97.9% | 0 |
| BLUE FONZ Antwerp | €255,189 | -€1,786 | 60.5% | - |
| ARTGATE Uccle | €166,026 | -€12,198 | 54.6% | 1 |
| D-SIGN MANAGEMENT Molenbeek-Saint-Jean | €231,389 | €305 | 32.4% | - |
| ANTIEK MARC VAN RYNE Herent | €333,984 | -€2,222 | -9.7% | - |
| C.A.V.S. Charleroi | €203,697 | -€844 | 13.1% | - |
| THE AFRICAN CONNECTION Jabbeke | €205,965 | -€27,996 | 1.6% | - |
These companies have the same main activity as ARTE RAMA: retail sale of antiques (NACE 47791). They are comparable in size and age: total assets between €166,000 and €334,000, founded between 1990 and 2005.
Official details
Source: KBO- Status
- Active since 16-01-1996Normal situation
- Activity
- Retail sale of antiquesNACE 47791
- Establishment unit
- 2.076.801.1772000 Antwerp, since 05-06-1996
- Financial year end
- 31 December
- Peppol
- Reachable since 14-01-2026
Insights on ARTE RAMA
ARTE RAMA has been active since 1996 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €247,386 and a net result of -€2,065.
Equity has been stable since 2018 (±0.9% per year). Its solvency ranks better than 95% of 5,067 sector peers (NACE 47, financial year 2025).
The computed 12-month bankruptcy probability is 0.1% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about ARTE RAMA
- What is the company number of ARTE RAMA?
- The company number of ARTE RAMA is 0457.023.418. The VAT number is the same number with BE in front: BE 0457.023.418.
- Where is ARTE RAMA based?
- The registered office is at Verlatstraat 16-22, 2000 Antwerp.Company details
- What does ARTE RAMA do?
- According to the KBO register, the main activity is retail sale of antiques (NACE 47791).
- What is the legal form of ARTE RAMA?
- ARTE RAMA is a public limited company (NV).
- When was ARTE RAMA founded?
- ARTE RAMA was founded on 16-01-1996.
- Is ARTE RAMA still active?
- Yes, ARTE RAMA is an active enterprise in the KBO register.
- What is the turnover of ARTE RAMA?
- The annual accounts for financial year 2025 state no turnover.Financials
- Is ARTE RAMA profitable?
- In financial year 2025, ARTE RAMA made a loss of €2,065.
- Where can I find the annual accounts of ARTE RAMA?
- ARTE RAMA filed 29 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of ARTE RAMA due?
- ARTE RAMA must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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