ARTIVA

Active

Private limited companyfounded 20233 yrs activeHoutekietstraat 10, 8540 Deerlijk, BelgiumKBO/BCE: BE 0799.146.277

The computed 12-month bankruptcy probability of ARTIVA is 1.9% (moderate). The 2025 annual accounts show equity of €5k and a net result of €3k. Its solvency ranks better than 24% of 11297 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

44 / 100

Weak

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability75▲+75

Solvency33▼-67

Growth78

Track record94

Bankruptcy probability, 12 months

1.9% Moderate

0%0.5%1.5%4%10%≥ 25%

No publishable credit limit; credit only on tighter terms

Liquidity short (current ratio 0.37; short-term debt: 91.9% and cash: 3.1% of total assets), and 91.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 46

Relative position

BE, all sectors

reference

Sector 46

higher

← fewer bankruptcies more bankruptcies →

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 11297 sector peers (2025).

NBB · sector comparison

Position among 11297 sector peers

Solvency

better than 24%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

2 d early

2024

25 d early

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

30-06-2026 close21-09-2026 today31-01-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€5k▲ 151%

2024 · €2k

2024: €2k

2024 → 2025

Total assets

€60k▲ 2,385%

2024 · €2k

2024: €2k

2024 → 2025

Net result

€3k

2024 · €-4k

2024: €-4k

2024 → 2025

Working capital

€-35k

2024 · €2k

2024: €2k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€2k-€5k▲ 151%

Operating result€-4k-€3k

Net result€-4k-€3k

Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result returns to profit in 2025: €3k after a loss of €4k in 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €60k

66.3%

33.7%

Fixed assets €40k

Current assets €20k

Equity and liabilities €60k

91.9%

Equity €5k▲ 151%

Debt €55k▲ 11,295%

The debt ratio rises from 20.1% to 91.9%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€3k▲

2024 · €-3k

Cash flow

€3k▲

2024 · €-3k

Solvency

8.1%

Current ratio

0.37

Quick ratio

0.37

Debt / equity

11.41

ROE

60.1%

ROA

4.8%

Interest coverage

62.42▲

2024 · -123.50

Debt

€55k▲

2024 · €484

Debt ≤ 1 year

€55k▲

2024 · €484

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€2k€60k▲

Fixed assets21/28-€40k

Intangible fixed assets21-€40k

Current assets29/58€2k€20k▲

Amounts receivable within one year40/41€95€18k▲

Trade receivables40-€15k

Other amounts receivable41€95€3k▲

Cash at bank and in hand54/58€2k€2k▼

Equity and liabilities

Total equity and liabilities10/49€2k€60k▲

Equity10/15€2k€5k▲

Contributions10/11€6k€6k=

Profit (loss) carried forward14€-4k€-1k▲

Amounts payable17/49€484€55k▲

Amounts payable within one year42/48€484€55k▲

Trade debts44€484€5k▲

Suppliers440/4€484€5k▲

Other amounts payable47/48-€50k

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€0▼

Other operating charges640/8€393€499▲

Gross operating margin9900€-2k€3k▲

Operating profit (loss)9901€-4k€3k▲

Financial charges65/66B€23€47▲

Recurring financial charges65€23€47▲

Profit (loss) for the period before taxes9903€-4k€3k▲

Profit (loss) for the period9904€-4k€3k▲

Profit (loss) for the period to be appropriated9905€-4k€3k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-4k€-1k▲

Profit (loss) brought forward from the previous period14P-€-4k

Social balance

Average headcount (FTE)90870.0-

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 3Financial 1Filings 2

Next filing, fiscal year 2026, expected by 31-01-2027

2026

29-01

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

30-06

Financial Back to profitnet €3k

Net result €3k after one loss-making year.

06-01

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

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, Deerlijk · 1 establishment unit since 2023

establishment The establishment unit on the map

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.

Houtekietstraat 108540 Deerlijk

Ground area

2,951 m²

Building footprint

1,492 m²

Volume, LiDAR

10,932 m³

Parcel 34392E0662/00X000, Flanders · tallest building 9.1 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

Houtekietstraat 10, 8540 Deerlijk

Manufacture of rubber and plastic products

since 20232.342.327.096

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
34392E0662/00X000	Flanders	2,950 m²	1 · 1,492 m²	9.1 m · 3 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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SVN Packaging Belgium

Of 136 companies in sector 46641 we hold annual accounts for 86. 13 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded03-03-2023

Fiscal year end30-06

Activities, NACEBEL

46641Wholesale trade

Sources

Crossroads Bank for EnterprisesNational Bank · 2 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.