ARTELLANDO
ActiveARTELLANDO has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €138k and a net result of €55k. Equity is growing by ~66.3% per year across the filed fiscal years. Its solvency ranks better than 74% of 2768 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 5.2 against 2.93 in 2024), and 19.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
6 signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
80.9%
Return on assets
32.3%
Age of the figures
8 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 11-05-2026, 81 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
81 d early
2024
30 d early
2023
30 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
04-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€138k▲ 66.3%
2024 · €83k
2023: €28k
2024: €83k
2023 → 2025
Total assets
€170k▲ 35.6%
2024 · €125k
2023: €72k
2024: €125k
2023 → 2025
Net result
€55k▼ 0.2%
2024 · €55k
2023: €23k
2024: €55k
2023 → 2025
Working capital
€136k▲ 65.2%
2024 · €82k
2023: €28k
2024: €82k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€28k-€83k▲ 198%€138k▲ 66.3%
Operating result€29k-€69k▲ 141%€69k=
Net result€23k-€55k▲ 141%€55k▼ 0.2%
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 0% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €170k
Fixed assets
€1k▲ 297%
Current assets
€169k▲ 34.9%
Equity and liabilities €170k
Equity
€138k▲ 66.3%
Debt
€32k▼ 23.9%
The debt ratio falls from 34.0% to 19.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€69k▲
2024 · €69k
Cash flow
€55k▲
2024 · €55k
Solvency
80.9%▲
2024 · 66.0%
Current ratio
5.20▲
2024 · 2.93
Quick ratio
5.20▲
2024 · 2.93
Debt / equity
0.24▼
2024 · 0.51
ROE
39.9%▼
2024 · 66.4%
ROA
32.3%▼
2024 · 43.8%
Interest coverage
337.19▼
2024 · 552.46
Debt
€32k▼
2024 · €43k
Debt ≤ 1 year
€32k▼
2024 · €43k
Income taxes
€14k▼
2024 · €14k
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
Balance sheet
Code2025
Total assets
20/58€170k
Fixed assets
21/28€1k
Tangible fixed assets
22/27€1k
Current assets
29/58€169k
Amounts receivable within one year
40/41€11k
Cash & bank
54/58€158k
Total equity & liabilities
10/49€170k
Equity
10/15€138k
Contributions / capital
10/11€5k
Accumulated profits (losses)
14€133k
Amounts payable
17/49€32k
Amounts payable within one year
42/48€32k
Trade debts payable within one year
44€397
Income statement
Code2025
Gross operating margin
9900€69k
Operating result
9901€69k
Financial charges
65€205
Result before taxes
9903€69k
Income taxes
67/77€14k
Net result for the period
9904€55k
Result to be appropriated
9905€55k
This is the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan.
See plans →
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
11-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100kEq €138k ▲66.3%
3 profitable years in a row build equity to €138k.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €55k ▲141%
Operating result €69k, net result €55k, both a record.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
TREVO MEDIA
BE 0521.674.215
Mechelen · Eq €138k
UXILAB
BE 0715.960.067
Nivelles · Eq €138k
AVASOTECH
BE 0697.826.710
Brussel · Eq €138k
STANINVEST
BE 0707.790.291
Knokke-Heist · Eq €138k
POLLET INFORMATION TECHNOLOGY
BE 0782.933.718
Koekelare · Eq €138k
Of 16,857 companies in sector 62100 we hold annual accounts for 8,443. 6,689 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-01-2023
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
62020IT consultancy
62030Computer programming, consultancy and related activities
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 01-09-2026. Scores and ratios are computed by Checked and are not a credit decision.