ARTIBO
ActiveARTIBO has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3k and a net result of €-1k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 27% of 9098 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency20▼-1
Growth32=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.11 against 1.12 in 2024), and 91.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
8.8%
Return on assets
-2.8%
Age of the figures
8 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€1k
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 · 10 filingsDeviation from the deadline
2025
81 d early
2024
36 d early
2023
7 d early
2022
12 d early
2021
30 d late
2020
44 d early
2019
30 d late
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3k▼ 24.0%
2024 · €4k
2018: €16k
2019: €6k
2020: €2k
2021: €8k
2022: €14k
2023: €10k
2024: €4k
2018 → 2025
Total assets
€38k▼ 5.2%
2024 · €40k
2018: €39k
2019: €17k
2020: €20k
2021: €25k
2022: €38k
2023: €47k
2024: €40k
2018 → 2025
Net result
€-1k▲ 81.6%
2024 · €-6k
2018: €213
2019: €-10k
2020: €-5k
2021: €6k
2022: €6k
2023: €-4k
2024: €-6k
2018 → 2025
Working capital
€4k▼ 14.8%
2024 · €4k
2018: €16k
2019: €6k
2020: €2k
2021: €8k
2022: €14k
2023: €10k
2024: €4k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€8k-€14k▲ 85.2%€10k▼ 28.5%€4k▼ 56.6%€3k▼ 24.0%
Operating result€7k-€7k▲ 7.3%€-970€-3k▼ 165%€1k
Net result€6k-€6k▲ 7.6%€-4k€-6k▼ 42.4%€-1k▲ 81.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €1k after a loss of €3k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €38k
Equity
€3k▼ 24.0%
Debt
€34k▼ 2.9%
The debt ratio rises from 89.0% to 91.2%: equity shrinks faster than debt is paid down.
Key figures and ratios
Solvency
8.8%▼
2024 · 11.0%
Current ratio
1.11▼
2024 · 1.12
Quick ratio
1.11▼
2024 · 1.12
Debt / equity
10.31▲
2024 · 8.06
ROE
-31.6%▲
2024 · -130.6%
ROA
-2.8%▲
2024 · -14.4%
Debt
€34k▼
2024 · €35k
Debt ≤ 1 year
€34k▼
2024 · €35k
Income taxes
€102▼
2024 · €111
Staff costs
€0▼
2024 · €149
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€40k€38k▼
Current assets29/58€40k€38k▼
Amounts receivable within one year40/41€28k€24k▼
Trade receivables40€28k€24k▼
Other amounts receivable41€348€488▲
Cash at bank and in hand54/58€4k€8k▲
Deferred charges and accrued income490/1€8k€5k▼
Equity and liabilities
Total equity and liabilities10/49€40k€38k▼
Equity10/15€4k€3k▼
Contributions10/11€19k€19k=
Reserves13€249€249=
Distributable reserves133€249€249=
Profit (loss) carried forward14€-14k€-16k▼
Amounts payable17/49€35k€34k▼
Amounts payable within one year42/48€35k€34k▼
Trade debts44€7k€7k▼
Suppliers440/4€7k€7k▼
Taxes, remuneration and social security45€6k€6k▲
Taxes450/3€3k€4k▲
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€22k€21k▼
Accrued charges and deferred income492/3-€400
Income statement
Code20242025
Remuneration, social security and pensions62€149€0▼
Other operating charges640/8€556€647▲
Gross operating margin9900€-2k€2k▲
Operating profit (loss)9901€-3k€1k▲
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€-6k€-946▲
Income taxes67/77€111€102▼
Profit (loss) for the period9904€-6k€-1k▲
Profit (loss) for the period to be appropriated9905€-6k€-1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-14k€-16k▼
Profit (loss) brought forward from the previous period14P€-9k€-14k▼
The notes to these accounts (1 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
11-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €6k ▲7.6%
Operating result €7k, net result €6k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
31-12
Financial
Back to profitnet €6k
Net result €6k after 2 loss-making years.
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 30 days late
2019
31-12
Financial
Weakest financial yearnet €-10k ▼4959%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 27 days late
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
01-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 1 day late
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, Hasselt · 1 establishment unit since 2009
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.
Kapelhofstraat 353500 HasseltGround area
614 m²
Building footprint
195 m²
Volume, LiDAR
1,009 m³
Parcel 71052B0489/00Y000, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Artibo
since 20092.177.625.650
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71052B0489/00Y000 | Flanders | 614 m² | 1 · 195 m² | 7.4 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.
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Of 11,702 companies in sector 68310 we hold annual accounts for 6,876. 1,587 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-01-2009
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
70200Business and other management consultancy
70220Business consulting
73200Market research and public opinion polling
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.