ARTEC PISCINES ET FILS
ActiveSummary
The computed 12-month bankruptcy probability of ARTEC PISCINES ET FILS is 2.3% (moderate). The 2025 annual accounts show equity of €52k and a net result of €25k. Equity is growing by ~52.6% per year across the filed fiscal years. Its solvency ranks better than 75% of 27786 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+27
Solvency95▲+21
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 3.3 against 1.9 in 2024; short-term debt: 29.9% and cash: 39.1% of total assets), and 29.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
70.1%
Return on assets
33.7%
Age of the figures
9 mo
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 09-07-2026, 22 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
22 d early
2024
2 d early
2023
5 d early
2022
4 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€52k▲ 92.6%
2024 · €27k
2022: €10k
2023: €25k
2024: €27k
2022 → 2025
Total assets
€75k▲ 35.4%
2024 · €55k
2022: €64k
2023: €62k
2024: €55k
2022 → 2025
Net result
€25k▲ 1,200%
2024 · €2k
2022: €7k
2023: €15k
2024: €2k
2022 → 2025
Working capital
€51k▲ 104%
2024 · €25k
2022: €-1k
2023: €18k
2024: €25k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€10k-€25k▲ 146%€27k▲ 7.7%€52k▲ 92.6%
Operating result€9k-€19k▲ 105%€3k▼ 86.5%€32k▲ 1,164%
Net result€7k-€15k▲ 106%€2k▼ 87.1%€25k▲ 1,200%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1,164% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €75k
Fixed assets
€939 ▼ 52.7%
Current assets
€74k ▲ 38.7%
Equity and liabilities €75k
Equity
€52k ▲ 92.6%
Debt
€22k ▼ 20.1%
Debt's share of the balance-sheet total falls from 50.7% to 29.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€34k▲
2024 · €7k
Cash flow
€27k▲
2024 · €7k
Current ratio
3.30▲
2024 · 1.90
Quick ratio
1.64▲
2024 · 0.52
Debt to equity
0.43▼
2024 · 1.03
ROE
48.1%▲
2024 · 7.1%
ROA
33.7%▲
2024 · 3.5%
Interest coverage
153.19▲
2024 · 43.10
Debt ≤ 1 year
€22k▼
2024 · €28k
Income taxes
€6k▲
2024 · €501
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€55k€75k▲
Fixed assets21/28€2k€939▼
Tangible fixed assets22/27€2k€939▼
Plant, machinery and equipment23€888€939▲
Furniture and vehicles24€1k-
Current assets29/58€53k€74k▲
Stocks and contracts in progress3€38k€37k▼
Stocks30/36€38k€37k▼
Amounts receivable within one year40/41€2k€4k▲
Trade receivables40€207€2k▲
Other amounts receivable41€1k€2k▲
Cash at bank and in hand54/58€12k€29k▲
Deferred charges and accrued income490/1€789€3k▲
Equity and liabilities
Total equity and liabilities10/49€55k€75k▲
Equity10/15€27k€52k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€24k€49k▲
Amounts payable17/49€28k€22k▼
Amounts payable within one year42/48€28k€22k▼
Trade debts44€700€324▼
Suppliers440/4€700€324▼
Taxes, remuneration and social security45€103€389▲
Taxes450/3€103€389▲
Other amounts payable47/48€27k€22k▼
Income statement
Code20242025
Non-recurring operating income76A-€2k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€2k▼
Other operating charges640/8€128€276▲
Gross operating margin9900€7k€34k▲
Operating profit (loss)9901€3k€32k▲
Financial income75/76B€84€31▼
Recurring financial income75€84€31▼
Financial charges65/66B€168€353▲
Recurring financial charges65€168€222▲
Non-recurring financial charges66B-€131
Profit (loss) for the period before taxes9903€2k€32k▲
Income taxes67/77€501€6k▲
Profit (loss) for the period9904€2k€25k▲
Profit (loss) for the period to be appropriated9905€2k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€24k€49k▲
Profit (loss) brought forward from the previous period14P€22k€24k▲
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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €25k ▲1200%
Operating result €32k, net result €25k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €2k ▼87.1%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Soumagne · 1 establishment unit since 2022
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 Miermont(EVE) 814631 SoumagneGround area
1,371 m²
Building footprint
213 m²
Volume, LiDAR
1,173 m³
Parcel 62033B0109/00C000, Wallonia · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ARTEC PISCINES ET FILS
since 20222.331.112.611
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62033B0109/00C000 | Wallonia | 1,371 m² | 1 · 213 m² | 7.0 m · 2 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
ARDA TEAM
BE 0556.920.550
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BATI PORTO
BE 0812.699.949
Jette · Eq €52,208
NUH
BE 0550.464.706
Gent · Eq €52,309
Van Velthoven Ronny
BE 0472.608.249
Wuustwezel · Eq €52,170
D&V Ingenieurs
BE 0742.712.073
Wingene · Eq €52,338
Of 7,293 companies in sector 43350 we hold annual accounts for 2,363. 2,005 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-04-2022
Fiscal year end31-12
Activities, NACEBEL 2025
43350Other building finishing work
47521Retail sale of hardware, building materials, paint and glass (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryWebsite:www.artecpiscines.be