ARTMONI
ActiveSummary
ARTMONI is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €15,070 and a net result of -€707. Equity is shrinking by ~36.4% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2025. The company has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 18-06-2026, 43 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
43 d early
2024
34 d early
2023
12 d early
2022
30 d late
2021
12 d early
2020
31 d late
2019
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 1 day before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 19 July (4 of the last 5 filed years within 31 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, full schema
Equity
€15,070▼ 46.7%
2023 · €28,283
Net result
-€707▲ 66.0%
2023 · -€2,082
Total assets
€362,157▼ 15.4%
2023 · €427,886
Solvency
4.2%▼ 2.4pp
2023 · 6.6%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€7,486▼ 74.8%€11,642▲ 55.5%€6,981▼ 40.0%€3,779▼ 45.9%€4,552▲ 20.4%
Net result-€701within the sector's middle half€1,798within the sector's middle half-€993below the sector's middle half-€2,082below the sector's middle half▼ 110%-€707below the sector's middle half▲ 66.0%
Equity€148,825below the sector's middle half▼ 17.7%€86,708below the sector's middle half▼ 41.7%€85,715below the sector's middle half▼ 1.1%€28,283below the sector's middle half▼ 67.0%€15,070below the sector's middle half▼ 46.7%
Total assets€546,889below the sector's middle half▼ 2.1%€548,936below the sector's middle half▲ 0.4%€477,373below the sector's middle half▼ 13.0%€427,886below the sector's middle half▼ 10.4%€362,157below the sector's middle half▼ 15.4%
Debt€398,064▲ 5.4%€462,228▲ 16.1%€391,657▼ 15.3%€399,603▲ 2.0%€347,086▼ 13.1%
Working capital-€162,226within the sector's middle half▼ 30.5%-€250,082within the sector's middle half▼ 54.2%-€250,397within the sector's middle half▼ 0.1%-€299,588within the sector's middle half▼ 19.6%-€291,203within the sector's middle half▲ 2.8%
Solvency27.2%within the sector's middle half▼ 5.2pp15.8%below the sector's middle half▼ 11.4pp18.0%below the sector's middle half▲ 2.2pp6.6%below the sector's middle half▼ 11.3pp4.2%below the sector's middle half▼ 2.4pp
Current ratio0.30below the sector's middle half▲ 0.040.21below the sector's middle half▼ 0.090.13below the sector's middle half▼ 0.090.09below the sector's middle half▼ 0.040.03below the sector's middle half▼ 0.06
Return on assets (ROA)-0.1%below the sector's middle half▼ 2.6pp0.3%within the sector's middle half▲ 0.5pp-0.2%below the sector's middle half▼ 0.5pp-0.5%below the sector's middle half▼ 0.3pp-0.2%below the sector's middle half▲ 0.3pp
Staff (FTE)0below the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 20% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €362,157
Fixed assets
€352,215 ▼ 11.7%
Current assets
€9,941 ▼ 65.7%
Equity and liabilities €362,157
Equity
€15,070 ▼ 46.7%
Debt
€347,086 ▼ 13.1%
Debt's share of the balance-sheet total rises from 93.4% to 95.8%. Equity and debt are lower.
Key figures and ratios
ROE
-4.7%▲
2023 · -7.4%
Debt ≤ 1 year
€301,145▼
2023 · €328,608
Debt > 1 year
€43,866▼
2023 · €69,071
Income taxes
€3,499▲
2023 · €3,212
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €52,575 | €50,937 | €48,172 | €47,939 | €48,737 | ▲ 1.7% |
| Other operating charges640/8 | - | €4,314 | €4,360 | €5,098 | €4,952 | ▼ 2.9% |
| Non-recurring operating charges66A | - | - | - | - | €277 | - |
| Gross operating margin9900 | €64,547 | €66,892 | €59,513 | €56,816 | €58,518 | ▲ 3.0% |
| Operating profit (loss)9901 | €7,486 | €11,642 | €6,981 | €3,779 | €4,552 | ▲ 20.4% |
| Financial income75/76B | - | €693 | €203 | €348 | €704 | ▲ 102% |
| Recurring financial income75 | €1,739 | €693 | €203 | €348 | €704 | ▲ 102% |
| Financial charges65/66B | - | €6,333 | €4,782 | €2,997 | €2,464 | ▼ 17.8% |
| Recurring financial charges65 | €6,983 | €6,333 | €4,782 | €2,997 | €2,464 | ▼ 17.8% |
| Profit (loss) for the period before taxes9903 | €2,242 | €6,002 | €2,401 | €1,130 | €2,792 | ▲ 147% |
| Income taxes67/77 | €2,943 | €4,204 | €3,394 | €3,212 | €3,499 | ▲ 8.9% |
| Profit (loss) for the period9904 | -€701 | €1,798 | -€993 | -€2,082 | -€707 | ▲ 66.0% |
| Profit (loss) for the period to be appropriated9905 | -€701 | €1,798 | -€993 | -€2,082 | -€707 | ▲ 66.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €546,889 | €548,936 | €477,373 | €427,886 | €362,157 | ▼ 15.4% |
| Fixed assets21/28 | €477,480 | €481,730 | €441,508 | €398,866 | €352,215 | ▼ 11.7% |
| Tangible fixed assets22/27 | €476,604 | €480,854 | €440,632 | €398,694 | €352,043 | ▼ 11.7% |
| Land and buildings22 | - | €441,250 | €410,674 | €376,523 | €339,943 | ▼ 9.7% |
| Plant, machinery and equipment23 | - | €2,497 | €1,798 | €1,099 | €400 | ▼ 63.6% |
| Furniture and vehicles24 | - | €1,342 | €871 | €2,261 | €1,366 | ▼ 39.6% |
| Leasing and similar rights25 | - | €35,765 | €27,288 | €18,811 | €10,335 | ▼ 45.1% |
| Financial fixed assets28 | €876 | €876 | €876 | €172 | €172 | = |
| Current assets29/58 | €69,409 | €67,206 | €35,865 | €29,020 | €9,941 | ▼ 65.7% |
| Amounts receivable within one year40/41 | €28,735 | €4,663 | €2,994 | €19,117 | €1,298 | ▼ 93.2% |
| Trade receivables40 | - | - | €593 | €593 | €0 | ▼ 100% |
| Other amounts receivable41 | - | €4,663 | €2,402 | €18,525 | €1,298 | ▼ 93.0% |
| Cash at bank and in hand54/58 | €35,207 | €56,827 | €27,558 | €4,587 | €6,953 | ▲ 51.6% |
| Deferred charges and accrued income490/1 | - | €5,715 | €5,313 | €5,316 | €1,690 | ▼ 68.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €546,889 | €548,936 | €477,373 | €427,886 | €362,157 | ▼ 15.4% |
| Equity10/15 | €148,825 | €86,708 | €85,715 | €28,283 | €15,070 | ▼ 46.7% |
| Contributions10/11 | - | €12,397 | €12,397 | €12,397 | €12,397 | = |
| Reserves13 | €136,506 | €74,310 | €74,310 | €18,960 | €6,454 | ▼ 66.0% |
| Non-distributable reserves130/1 | - | €1,861 | €1,861 | €0 | - | - |
| Reserves not available under the articles1311 | - | €1,861 | €1,861 | €0 | - | - |
| Tax-exempt reserves132 | - | €2,874 | €2,874 | €2,874 | €2,874 | = |
| Distributable reserves133 | - | €69,576 | €69,576 | €16,086 | €3,581 | ▼ 77.7% |
| Profit (loss) carried forward14 | -€78 | €0 | -€993 | -€3,074 | -€3,781 | ▼ 23.0% |
| Amounts payable17/49 | €398,064 | €462,228 | €391,657 | €399,603 | €347,086 | ▼ 13.1% |
| Amounts payable after more than one year17 | €164,354 | €142,865 | €103,320 | €69,071 | €43,866 | ▼ 36.5% |
| Financial debts170/4 | - | €142,865 | €103,320 | €69,071 | €43,866 | ▼ 36.5% |
| Amounts payable within one year42/48 | €231,635 | €317,288 | €286,262 | €328,608 | €301,145 | ▼ 8.4% |
| Current portion of amounts payable after more than one year42 | - | €57,770 | €41,413 | €34,250 | €25,205 | ▼ 26.4% |
| Trade debts44 | €4,615 | €9,593 | €10,785 | €10,093 | €9,492 | ▼ 6.0% |
| Suppliers440/4 | - | €9,593 | €10,785 | €10,093 | €9,492 | ▼ 6.0% |
| Taxes, remuneration and social security45 | - | €3,196 | €0 | €2,768 | €0 | ▼ 100% |
| Taxes450/3 | - | €3,196 | €0 | €2,768 | €0 | ▼ 100% |
| Other amounts payable47/48 | - | €246,729 | €234,063 | €281,498 | €266,448 | ▼ 5.3% |
| Accrued charges and deferred income492/3 | - | €2,075 | €2,075 | €1,925 | €2,075 | ▲ 7.8% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€701 | €1,798 | -€993 | -€2,082 | -€707 | ▲ 66.0% |
| + Depreciation and write-downs630 | €52,575 | €50,937 | €48,172 | €47,939 | €48,737 | ▲ 1.7% |
| Operating cash flow (approximation) | €51,874 | €52,734 | €47,180 | €45,857 | €48,030 | ▲ 4.7% |
| Investment in fixed assets (approximation) | - | -€55,187 | -€7,950 | -€5,297 | -€2,086 | ▲ 60.6% |
| Change in cash | - | €21,620 | -€29,270 | -€22,971 | €2,366 | ▲ 110% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
18-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet -€2,082
Net result drops to -€2,082, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €1,798
Net result €1,798 after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
25-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 25 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Tournai
Ground area
1,529 m²
Building footprint
205 m²
Volume, LiDAR
973 m³
Parcel 57069A0331/00M000, Wallonia · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57069A0331/00M000 | Wallonia | 1,529 m² | 1 · 205 m² | 7.1 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 24,728 companies in sector 64210 we hold annual accounts for 19,805. 6,416 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded04-01-2000
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0469274221
Registered
15-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.