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ARTEFOR

Active
Private limited companyfounded 1995active for 31 yearsBettestraat (STE) 8-10, 9190 Stekene, BelgiumKBO/BCE: BE 0455.919.202
Summary

ARTEFOR has been active since 1995 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.6m and a net result of €20,941. Equity has been growing by about 2.9% per year since 2018. Its solvency ranks better than 82% of 2,812 sector peers (NACE 82, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisFollow ReportCompare
ARTEFORActiveChecked score 94/100
Risk analysis ReportCompare

Overview

Official details

Source: KBO
Status
Active since 01-09-1995 Normal situation
Activity
Office administrative and support services NACE 82100and 1 other
Establishment unit
2.073.266.815 9190 Stekene, since 29-09-1995
Financial year end
31 December
Peppol
Reachable since 11-09-2025
Company details

Board and ownership

Board
Holdings
Shares in 3 companies including ECO MODAL CARGO CARE and ECO MODAL TRANSPORT & SHIPPING
Board & ownership

Financial position

94 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Annual accounts 2025
Gross margin
€50,241
Turnover
≈ €100,000
estimated
Profit
€20,941
▼ 79.5%
Equity
€1.6m
▲ 1.3%
Total assets
€2.0m
▼ 3.4%
Filed on 30-07-2026, 1 day before the deadline
Financials
Score breakdownraises riskLiquidity: current ratio 3.14, cash €10,961lowers riskSize: total assets €2.0mFigures for financial year 2025 (filed on 30-07-2026)Founded in 1995Show the evidence

Checked score

Score 2025
94 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 53% of micro companies in office administrative support (NACE 82)
Every signal that counts is listed under Signals.
Financial strength · tick: 2024
Strong
Solvency 100=
equity 81.3% of total assets
Liquidity 51=
short-term debt 4.4% · cash 0.6%
Profitability 70+45
return on assets 1.1%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (12,670 companies, NACE 82, micro)
Last 24 months 12-2024: 0.3% 01-2025: 0.3%● unchanged vs 12-2024 02-2025: 0.3%● unchanged vs 01-2025 03-2025: 0.3%● unchanged vs 02-2025highest value 04-2025: 0.1%▼ -0.2 percentage points vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.2%▲ +0.1 percentage points vs 06-2025 08-2025: < 0.1%▼ -0.2 percentage points vs 07-2025lowest value 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 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: 0.1%▲ +0.1 percentage points vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.1%● unchanged vs 07-2026 09-2026: 0.1%● unchanged vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026 11-2026: 0.1%● unchanged vs 10-2026
Credit of up to €150,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.14 (3.81 in 2024), above the usual 1.5. Short-term debt is 4.4% and cash 0.6% of total assets. 18.7% of the assets are financed with debt and provisions.
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 82, micro). It does better than 88% of them on solvency, 41% on liquidity, 39% on profitability and 43% on growth.

The bankruptcy probability was computed on 01-11-2026 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.

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).

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Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €2.0m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 3.14, cash €10,961
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 30-07-2026)
NBB · annual accounts
lowers risk · Founded in 1995
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
1 day early
2024
17 days early
2023
5 days early
2022
45 days early
2021
45 days early
2020
40 days early
2019
43 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 28 days before the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% 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 14 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: Result fell in 2025from €102,013 to €20,941 ▼ 79.5% View
  • Positive: 3rd largest company by equity in Stekene, Administrative and support services sectorin the Checked rankings No. 3 View
  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
  • Heads a groupcompanies controlled 3 View

Recent changes

  1. · Gazette deed Resignation: BJ Services (statutory director)Permanent representative: Jan Beck · Appointment: Erik Smet (statutair bestuursorgaan)
  2. · Gazette deed Registered office moved to StekenePermanent representative: Jan Beck · Resignations: Erik Smet (director) and BJ Services (director) · Reappointments: Erik Smet (statutory director) and BJ Services (statutory director)
  3. · Gazette deed Incorporation
All 15 events

Companies linked to ARTEFOR

Comparable companies

These companies have the same main activity as ARTEFOR: office administrative and support services (NACE 82100). They are comparable in size and age: total assets between €1.6m and €2.1m, founded between 1989 and 1998.

CompanyTotal assetsGross margin
ARTEFOR Stekene€2.0m€0.05m
HEBBRECHT - LAUREYNS Assenede€2.1m€0.05m
NIELSEN Elsene€1.9m€0.05m
DIME ENGINEERING Genk€2.0m€0.06m
BUSINESS AND MANAGEMENT PARTNERS Halen€2.1m€0.05m
HUPPERETZ SERVICES Malmedy€1.9m€0.04m
SILA Aarschot€1.6m€0.04m
Full comparison

Key facts about ARTEFOR
What is the company number of ARTEFOR?
The company number of ARTEFOR is 0455.919.202. The VAT number is the same number with BE in front: BE 0455.919.202.
Where is ARTEFOR based?
The registered office is at Bettestraat (STE) 8-10, 9190 Stekene.Company details
What does ARTEFOR do?
According to the KBO register, the main activity is office administrative and support services (NACE 82100).
What is the legal form of ARTEFOR?
The legal form of ARTEFOR is Private limited company (BV).
When was ARTEFOR founded?
ARTEFOR was founded on 01-09-1995.
Is ARTEFOR still active?
Yes, ARTEFOR is an active enterprise in the KBO register.
How many employees does ARTEFOR have?
ARTEFOR had an average of 0.4 full-time equivalents in financial year 2023, according to the filed annual accounts.Financials
What is the turnover of ARTEFOR?
The turnover in financial year 2025 is ≈ €100,000. This figure is estimated from the gross margin of €50,241 and 52 comparable companies (NACE 82). It probably lies between €81,000 and €140,000.
Is ARTEFOR profitable?
In financial year 2025, ARTEFOR made a profit of €20,941.
Where can I find the annual accounts of ARTEFOR?
ARTEFOR filed 30 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of ARTEFOR due?
ARTEFOR must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

Next steps

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