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Complete company report
Generated 08-08-2026
Active BE 0791.520.889Private limited company

ARTMAR

Mechelsesteenweg 472 ·2650 Edegem, Belgium· 3 yrs active
Sector: Construction of buildings (41001)
Conclusion Checked

The computed 12-month bankruptcy probability of ARTMAR is 2.8% (moderate). The 2024 annual accounts show equity of €4k and a net result of €435. Its solvency ranks better than 18% of 3827 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €4k
Net result €435
Better than sector 18%
Active 3 yrs
Snowflake analysis 5 axes · computed by Checked
Health41Profitability49Solvency17Growth52Stability94
51 / 100

Mixed profile: strong on stability, weaker on solvency.

Health 41
Profitability 49
Solvency 17
Growth 52
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
2.8% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2024 · computed
41 / 100 Weak
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview2 NBB filings
Annual accounts filed on 28-02-2026 with the NBB · fiscal year 2024 · micro
€0€1k€2k€3k€4kOperating result 2023: €2k€2kNet result 2023: €976€976Operating result 2024: €4k€4kNet result 2024: €435€43520232024
Operating resultNet result
Sector comparison
Fiscal year 2024 · NACE 41, Construction of buildings · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 9.8% 39.4%
better than 18% of 3827 sector peers
Net result €435 €9k
better than 25% of 3824 sector peers
Equity €4k €29k
better than 17% of 3832 sector peers
Gross operating margin €8k €26k
better than 25% of 3822 sector peers
Total assets €45k €85k
better than 28% of 3828 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€4k
- far above sector median
Net profit
€435
-55.4% far above sector median
Cash flow
€647
- far above sector median
Total assets
€45k
+39.9% -74% vs sector
Equity
€4k
+10.9% -95% vs sector
Working capital
€-1k
- far below sector median
Income taxes
€3k
+497.6% far above sector median
Debt
€40k
+44.0% -25% vs sector
Debt ≤ 1y
€40k
+44.0% -25% vs sector
Current ratio
0.97
-14.9% -55% vs sector
Quick ratio
0.97
-14.9% -55% vs sector
Solvency
9.8%
-20.7% -82% vs sector
Debt / equity
9.15
+29.8% far above sector median
ROE
9.9%
-59.8% far above sector median
ROA
1.0%
-68.2% far above sector median
Interest coverage
3.31
- far above sector median
Figures by fiscal year
Fiscal year2024
Revenue-
EBITDA€4k
Net profit€435
Cash flow€647
Staff costs-
Income taxes€3k
Dividends-
Total assets€45k
Equity€4k
Debt€40k
of which ≤ 1y€40k
of which > 1y-
Working capital€-1k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.97
Quick ratio0.97
Working capital ratio-2.6%
Solvency9.8%
Debt / equity9.15
Long-term debt ratio-
Interest coverage3.31
Gross margin-
Net margin-
ROA1.0%
ROE9.9%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€45k
Fixed assets 21/28€6k
Tangible fixed assets 22/27€6k
Current assets 29/58€39k
Amounts receivable within one year 40/41€30k
Cash & bank 54/58€10k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€45k
Equity 10/15€4k
Contributions / capital 10/11€3k
Accumulated profits (losses) 14€1k
Amounts payable 17/49€40k
Amounts payable within one year 42/48€40k
Trade debts payable within one year 44€28k
Income statement
Gross operating margin 9900€8k
Operating result 9901€4k
Financial income 75€666
Financial charges 65€1k
Result before taxes 9903€3k
Income taxes 67/77€3k
Net result for the period 9904€435
Result to be appropriated 9905€435
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Ratios computed by Checked.
Directors & mandates 1 directors
Current directors & mandates
  • De Backer Julie
    Director
    State Gazette act 24156243 (30-10-2024)
    Current
    10-06-2024 → present
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Legal Structure
NACE primary Construction of buildings(41001)
Legal form Private limited company(610)
Incorporation28-09-2022
StatusActive
Postal code2650
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11472B0075/00S005 Flanders 178 m² 1 · 149 m² 8.7 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 4 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
28-02-2026
NBB filing Annual accounts filed
fiscal year 2024 · micro
2025
21-05-2025
NBB filing Annual accounts filed
fiscal year 2023 · micro
2024
30-10-2024
State Gazette act Director changes
v3.2
2022
30-09-2022
State Gazette act Incorporation
oprichting
Belgisch Staatsblad, acts 2 acts
All acts · 2 updated 1 year ago
2024
30-10-2024 De Backer Julie appointed as director Director changes
  • De Backer Julie, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "De Backer Julie",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2024-06-10",
      "evidence_quote": "De voorzitter deelt de vergadering mede dat met ingang van 10 juni 2024 mevrouw De Backer Julie wordt benoemd als bestuurder."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0791.520.889",
    "name_full": "ARTMAR",
    "legal_form": "BV"
  }
}
2022
30-09-2022 Incorporation of a new BV Incorporation
Summary: oprichting
Technical details 
{
  "kind": "oprichting",
  "seat": "2970 Schilde, Albert Van Dyckstraat 2",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1994-12-01",
        "name": "ARTS Giljom Stefan Guido Yvonne",
        "niss": null,
        "address": "2970 Schilde, Albert Van Dijckstraat 2"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 1500,
      "holder_person_name": "ARTS Giljom Stefan Guido Yvonne",
      "is_subscriber_only": false,
      "n_shares_subscribed": 50,
      "amount_subscribed_eur": 1500,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1977-05-26",
        "name": "MARZOUKI Radoian",
        "niss": null,
        "address": "2018 Antwerpen, Draakstraat 12"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 1500,
      "holder_person_name": "MARZOUKI Radoian",
      "is_subscriber_only": false,
      "n_shares_subscribed": 50,
      "amount_subscribed_eur": 1500,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 3000,
  "subject_company": {
    "kbo": "0791.520.889",
    "name_full": "ARTMAR",
    "legal_form": "BV"
  },
  "initial_directors": [],
  "incorporation_date": "2022-09-27",
  "post_incorporation_mandates": []
}
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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Activities
Algemene bouw van residentiële gebouwen41001Algemene bouw van residentiële gebouwen41201Bemiddeling in verband met exploitatie van en handel in onroerend goed68310Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis68311
Primary activity highlighted.
Names & trade names
Legal nameNL ARTMAR
Registered office
Mechelsesteenweg 472
2650 Edegem, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative