ARTIGIANO
ActiveThe computed 12-month bankruptcy probability of ARTIGIANO is 3.3% (moderate). The 2025 annual accounts show equity of €142k and a net result of €25k. Equity is growing by ~48.6% per year across the filed fiscal years. Its solvency ranks better than 68% of 13270 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▼-7
Solvency76▲+13
Growth78=
Track record94
Bankruptcy probability, 12 months
3.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.63 against 1.23 in 2024; short-term debt: 43.3% and cash: 14.6% of total assets), and 48.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
51.1%
Return on assets
9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
27 d late
2024
69 d late
2023
123 d early
2022
24 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€142k▲ 21.3%
2024 · €117k
2022: €-3k
2023: €73k
2024: €117k
2022 → 2025
Total assets
€278k▼ 9.4%
2024 · €306k
2022: €61k
2023: €196k
2024: €306k
2022 → 2025
Net result
€25k▼ 43.3%
2024 · €44k
2022: €-5k
2023: €76k
2024: €44k
2022 → 2025
Working capital
€76k▲ 95.8%
2024 · €39k
2022: €-38k
2023: €19k
2024: €39k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€-3k-€73k€117k▲ 60.3%€142k▲ 21.3%
Operating result€-5k-€108k€63k▼ 41.9%€37k▼ 41.0%
Net result€-5k-€76k€44k▼ 42.3%€25k▼ 43.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 41% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €278k
Fixed assets
€82k▼ 19.2%
Current assets
€196k▼ 4.5%
Equity and liabilities €278k
Equity
€142k▲ 21.3%
Debt
€136k▼ 28.3%
The debt ratio falls from 61.8% to 48.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€56k▼
2024 · €75k
Cash flow
€44k▼
2024 · €56k
Solvency
51.1%▲
2024 · 38.2%
Current ratio
1.63▲
2024 · 1.23
Quick ratio
1.48▲
2024 · 1.13
Debt / equity
0.96▼
2024 · 1.62
ROE
17.6%▼
2024 · 37.6%
ROA
9.0%▼
2024 · 14.4%
Interest coverage
28.74▼
2024 · 68.84
Debt
€136k▼
2024 · €189k
Debt ≤ 1 year
€120k▼
2024 · €167k
Debt > 1 year
€15k▼
2024 · €23k
Income taxes
€14k▼
2024 · €20k
Staff costs
€161k▼
2024 · €165k
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€306k€278k▼
Fixed assets21/28€101k€82k▼
Tangible fixed assets22/27€90k€70k▼
Plant, machinery and equipment23€32k€24k▼
Furniture and vehicles24€47k€37k▼
Other tangible fixed assets26€11k€9k▼
Financial fixed assets28€11k€11k=
Current assets29/58€205k€196k▼
Stocks and contracts in progress3€17k€18k▲
Stocks30/36€17k€18k▲
Amounts receivable within one year40/41€119k€135k▲
Trade receivables40€531€0▼
Other amounts receivable41€118k€135k▲
Cash at bank and in hand54/58€69k€41k▼
Deferred charges and accrued income490/1€287€2k▲
Equity and liabilities
Total equity and liabilities10/49€306k€278k▼
Equity10/15€117k€142k▲
Contributions10/11€2k€2k=
Reserves13€115k€140k▲
Distributable reserves133€115k€140k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€189k€136k▼
Amounts payable after more than one year17€23k€15k▼
Financial debts170/4€23k€15k▼
Amounts payable within one year42/48€167k€120k▼
Current portion of amounts payable after more than one year42€8k€8k▲
Financial debts43€5k€5k▼
Credit institutions430/8€5k€5k▼
Trade debts44€102k€71k▼
Suppliers440/4€102k€71k▼
Taxes, remuneration and social security45€52k€36k▼
Taxes450/3€34k€18k▼
Remuneration and social security454/9€18k€18k▲
Accrued charges and deferred income492/3€250€850▲
Income statement
Code20242025
Remuneration, social security and pensions62€165k€161k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€19k▲
Other operating charges640/8€3k€5k▲
Gross operating margin9900€243k€222k▼
Operating profit (loss)9901€63k€37k▼
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€4k▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€64k€39k▼
Income taxes67/77€20k€14k▼
Profit (loss) for the period9904€44k€25k▼
Profit (loss) for the period to be appropriated9905€44k€25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€39k€25k▼
Profit (loss) brought forward from the previous period14P€-5k€0▲
Transfer to equity691/2€39k€25k▼
To other reserves6921€39k€25k▼
The notes to these accounts (11 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
08-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 69 days late
2024
31-12
Financial
Equity above €100kEq €117k ▲60.3%
2 profitable years in a row build equity to €117k.
30-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €76k
Net result €76k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.16
Current ratio from 0.39 to 1.16.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
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, Antwerpen · 1 establishment unit since 2021
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.
Bataviastraat 192000 AntwerpenGround area
171 m²
Building footprint
170 m²
Volume, LiDAR
2,061 m³
Parcel 11002A0020/00B000, Flanders · tallest building 15.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
ARTIGIANO
since 20212.325.014.873
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11002A0020/00B000 | Flanders | 171 m² | 1 · 170 m² | 15.4 m · 4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpen2.325.014.873
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Of 20,495 companies in sector 56111 we hold annual accounts for 11,458. 9,132 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-12-2021
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.