ARTECMO
ActiveARTECMO has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €463k and a net result of €324k. Equity is shrinking by ~8.4% per year across the filed fiscal years. Its solvency ranks better than 81% of 11165 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78▲+20
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
balance sheet total too small for a liquidity verdict, and 19.2% 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 · Long track record
A company with a long track record statistically fails less often than a young one.
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
80.8%
Return on assets
56.5%
Age of the figures
8 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €463k
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 09-03-2026, 144 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
144 d early
2024
55 d early
2023
141 d early
2022
83 d early
2021
86 d early
2020
75 d early
2019
94 d early
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€463k▲ 221%
2024 · €144k
2018: €249k
2019: €269k
2020: €185k
2021: €194k
2022: €171k
2023: €70k
2024: €144k
2018 → 2025
Total assets
€573k▲ 266%
2024 · €157k
2018: €265k
2019: €273k
2020: €199k
2021: €196k
2022: €178k
2023: €171k
2024: €157k
2018 → 2025
Net result
€324k▲ 333%
2024 · €75k
2018: €7k
2019: €20k
2020: €6k
2021: €10k
2022: €32k
2023: €63k
2024: €75k
2018 → 2025
Working capital
€561k▲ 350%
2024 · €125k
2018: €191k
2019: €222k
2020: €135k
2021: €150k
2022: €131k
2023: €34k
2024: €125k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€194k-€171k▼ 11.9%€70k▼ 59.3%€144k▲ 107%€463k▲ 221%
Operating result€14k-€46k▲ 215%€82k▲ 78.6%€113k▲ 38.4%€441k▲ 291%
Net result€10k-€32k▲ 230%€63k▲ 99.3%€75k▲ 17.7%€324k▲ 333%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 291% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €573k
Fixed assets
€8k▼ 72.3%
Current assets
€565k▲ 342%
Equity and liabilities €573k
Equity
€463k▲ 221%
Provisions
€95k
Debt
€16k▲ 27.9%
The debt ratio falls from 7.8% to 2.7%: equity grows faster than debt.
Key figures and ratios
EBITDA
€442k▲
2024 · €117k
Cash flow
€324k▲
2024 · €79k
Solvency
80.8%▼
2024 · 92.2%
Debt / equity
0.03▼
2024 · 0.08
ROE
69.9%▲
2024 · 51.7%
ROA
56.5%▲
2024 · 47.7%
Interest coverage
234.64▲
2024 · 13.90
Debt
€16k▲
2024 · €12k
Debt ≤ 1 year
€4k▲
2024 · €3k
Income taxes
€21k▼
2024 · €30k
A ratio outside any meaningful range has been withheld (balance sheet total €573k, equity €463k).
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€157k€573k▲
Fixed assets21/28€29k€8k▼
Tangible fixed assets22/27€29k€8k▼
Land and buildings22€23k€7k▼
Plant, machinery and equipment23€5k€47▼
Furniture and vehicles24€314€1k▲
Financial fixed assets28€57€37▼
Current assets29/58€128k€565k▲
Amounts receivable within one year40/41€3k€14k▲
Trade receivables40€1k€10k▲
Other amounts receivable41€2k€4k▲
Current investments50/53-€450k
Cash at bank and in hand54/58€124k€101k▼
Deferred charges and accrued income490/1€549€644▲
Equity and liabilities
Total equity and liabilities10/49€157k€573k▲
Equity10/15€144k€463k▲
Contributions10/11€23k€23k=
Reserves13€85k€403k▲
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Tax-exempt reserves132-€284k
Distributable reserves133€84k€118k▲
Profit (loss) carried forward14€37k€38k▲
Provisions and deferred taxes16-€95k
Deferred taxes168-€95k
Amounts payable17/49€12k€16k▲
Amounts payable within one year42/48€3k€4k▲
Trade debts44€2k-
Suppliers440/4€2k-
Taxes, remuneration and social security45€1k€4k▲
Taxes450/3-€4k
Remuneration and social security454/9€1k-
Accrued charges and deferred income492/3€9k€11k▲
Income statement
Code20242025
Non-recurring operating income76A-€379k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€455▼
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A-€314
Gross operating margin9900€119k€444k▲
Operating profit (loss)9901€113k€441k▲
Financial income75/76B-€12
Recurring financial income75-€12
Financial charges65/66B€8k€2k▼
Recurring financial charges65€8k€2k▼
Profit (loss) for the period before taxes9903€104k€440k▲
Transfer to deferred taxes680-€95k
Income taxes67/77€30k€21k▼
Profit (loss) for the period9904€75k€324k▲
Transfer to tax-exempt reserves689-€284k
Profit (loss) for the period to be appropriated9905€75k€40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€97k€77k▼
Profit (loss) brought forward from the previous period14P€22k€37k▲
Transfer from equity791/2-€5k
Transfer to equity691/2€60k€39k▼
To other reserves6921€60k€39k▼
Profit to be distributed694/7-€5k
Return on contributions (dividend)694-€5k
The notes to these accounts (9 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
09-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €324k ▲333%
Operating result €441k, net result €324k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 139.46
Current ratio from 39.47 to 139.46.
31-12
Financial
Equity above €200kEq €463k ▲221%
8 profitable years in a row build equity to €463k.
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 30current ratio 39.47
Current ratio from 1.34 to 39.47; short-term debt falls from €102k to €3k.
31-12
Financial
Equity above €100kEq €144k ▲107%
7 profitable years in a row build equity to €144k.
12-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
09-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
06-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity times 9current ratio 97.01
Current ratio from 11.03 to 97.01; short-term debt falls from €13k to €2k.
17-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €6k ▼71.1%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
28-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity quadruplescurrent ratio 50.82
Current ratio from 12.81 to 50.82; short-term debt falls from €16k to €4k.
02-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Liège · 1 establishment unit since 1995
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.
Clos des Lavandières 44000 LiègeGround area
4,220 m²
Building footprint
1,012 m²
Volume, LiDAR
11,624 m³
2 parcels, Wallonia · tallest building 16.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Chaussée Brunehaut 279, 4450 Juprelle
since 19952.072.946.715
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62060A0691/00D000 | Wallonia | 2,965 m² | 1 · 181 m² | 7.5 m · 1 fl. |
| 62087B0336/00L000 | Wallonia | 1,254 m² | 1 · 831 m² | 16.0 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,069 companies in sector 46140 we hold annual accounts for 640. 456 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-06-1995
Fiscal year end31-12
Activities, NACEBEL
46140Agents in the wholesale of industrial machinery, ships and aircraft
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.