Turnover
≈ €3,400 estimated
The accounts state no turnover.
ARTICLE PREMIER
Lifetime
18 annual accounts with figures on one time axis, 32 filings since 1994peak €22,124 (2009)
€449▼ 94.1%
lowest -€5,739 (2008)
-€2,914▼ €5,825
peak €40,056 (2016)
€23,441▼ 11.1%
€2,384▼ 59.3%
Board2 names since 2014
Owners
99.47%MURMENS INVEST
Documentsfilings and deeds
09-07-202622 days before the deadline
2025micro format
Gross margin from €7,579 to €449Loss of €2,914Debts from €5,856 to €2,384Cash from €7,078 to €27
Key points
from the 2025 annual accountsChecked score
65
Healthy
Financially stronger than 38% of micro companies without a NACE code
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.1% Low
0%0.5%1.5%4%10%≥ 25%
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.3%▲ +0.1 percentage points vs 06-2025
08-2025: 0.1%▼ -0.2 percentage points vs 07-2025
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 01-2026lowest value
03-2026: 0.3%▲ +0.2 percentage points vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.4%▲ +0.1 percentage points vs 04-2026
06-2026: 0.5%▲ +0.1 percentage points vs 05-2026
07-2026: 0.5%● unchanged vs 06-2026
08-2026: 1.1%▲ +0.6 percentage points vs 07-2026highest value
09-2026: 1.1%● unchanged vs 08-2026highest value
10-2026: 1.1%● unchanged vs 09-2026highest value
11-2026: 1.1%● unchanged vs 10-2026highest value
Financial strengthAverage
Score breakdown
raises risk
1 change of registered office in 24 months
Loss of €2,914 (financial year 2025)
lowers risk
Size: total assets €25,825
Founded in 1993
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 (no NACE code, micro). It does better than 81% of them on solvency, 39% on liquidity, 10% on profitability and 23% on growth.
The bankruptcy probability was computed on 06-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 5,831 companies had the same profile as ARTICLE PREMIER has now. Each dot stands for 15 companies, two years later.
84.6%
were still trading
13.4%
stopped another way
1.7%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of ARTICLE PREMIER itself: 1.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 5,831 companies, not a prediction for ARTICLE PREMIER. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €1,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.67 (2.27 in 2024), above the usual 1.5. Short-term debt is 9.2% and cash 0.1% of total assets. 9.2% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 · 10 filingsDeviation from the deadline
2025
22 days early
2024
30 days early
2023
26 days late
2022
24 days early
2021
30 days late
2020
19 days late
2019
7 days late
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 7 accounts on average 1 day after the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were 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 9 July (4 of the last 5 accounts filed within 49 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- MURMENS INVEST 99.47%score 91equity €1.1m (2025) · 2025 annual accounts of MURMENS INVEST
Recent changes
Registered office moved from Saint-Gilles to Ixelles
New registered office: rue Joseph Stallaert 7 boîte 12 à 1050 Ixelles · Previous registered office: rue de la Victoire 194B à 1060 Saint-Gilles · General meeting of 28-11-2025 · Gazette deed
Purpose change · Amendment of the articles · Legal-form change · Resignations & appointments
Change of role: HUBERT Sophie Marie Brigitte Anne Ghislaine, from manager to director · Appointment: RUMMENS Jean Michel Léon Gaston (director) · “La société a pour objet,tant en Belgique qu’à l’étranger,pour son compte propre ou pour compte d’un tiers,la…” (deed in French) · General meeting of 09-06-2021 · Gazette deed
First establishment
Overwinningsstraat 194, Sint-Gillis (bij-Brussel)
Incorporation
published on 04-09-1993 · Gazette deed
Official details
Source: KBO- Status
- Active since 10-08-1993Normal situation
- Registered office
- 11 active companies are registered at this address1 started in the 12 months before. Source: KBO register, as of 7 November 2026.
- Activity
- “La société a pour objet,tant en Belgique qu’à l’étranger,pour son compte propre ou pour…” (deed in French)From the articles, 11 activitiesNo NACE code in the KBO yet
- Establishment unit
- 2.063.948.3801060 Sint-Gillis (bij-Brussel), since 15-10-1993
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Annual accounts 2025
- €25,825▼ 19.8%
- Filing
- Filed on 09-07-2026, 22 days before the end of the filing period
Insights on ARTICLE PREMIER
ARTICLE PREMIER files the micro format. That format states no turnover. The gross margin fell from €5,664 in 2008 to €449 in 2025.
MURMENS INVEST holds 99.47% of the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about ARTICLE PREMIER
- What is the company number of ARTICLE PREMIER?
- The company number of ARTICLE PREMIER is 0450.690.704. The VAT number is the same number with BE in front: BE 0450.690.704.
- Where is ARTICLE PREMIER based?
- The registered office is at Joseph Stallaertstraat 7, 1050 Ixelles.Company details
- What is the legal form of ARTICLE PREMIER?
- ARTICLE PREMIER is a private limited company (BV).
- When was ARTICLE PREMIER founded?
- ARTICLE PREMIER was founded on 10-08-1993.
- Is ARTICLE PREMIER still active?
- Yes, ARTICLE PREMIER is an active enterprise in the KBO register.
- What is the turnover of ARTICLE PREMIER?
- The turnover in financial year 2025 is ≈ €3,400. This figure is estimated from the gross margin of €449 and 6,300 comparable companies of the same size. It probably lies between €1,600 and €8,200. It is a rough estimate.Financials
- Is ARTICLE PREMIER profitable?
- In financial year 2025, ARTICLE PREMIER made a loss of €2,914.
- Where can I find the annual accounts of ARTICLE PREMIER?
- ARTICLE PREMIER filed 32 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of ARTICLE PREMIER due?
- ARTICLE PREMIER must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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