Financials
- Fiscal year
- 2025
- Total assets
- €246,195
- Profit
- €27,136
- Solvency
- 24.9%
Total assets▲ 19.9%
Net result
20182025
ARTO 5
ActiveSummary
ARTO 5 has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €61,283 and a net result of €27,136. Equity is growing by ~71.2% per year across the filed fiscal years. Its solvency ranks better than 43% of 1182 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
Activity
Launderettes and laundries for private customers
NACE 96102NACE 96012
2 sites
Size
€246,195total assets 2025
- Equity
- €61,283
- Profit
- €27,136
Structure
Accounts filed 27 d late0 of 5 deeds read
Why 92- 2 establishment units+ Founded in 2003+ Size: total assets €246,195+ Liquidity: current ratio 0.73, cash €32,857Show the evidence
Checked score
Score 2025
92
/ 100
Excellent
Probability in this band: under 0.55%
Better than 66% of its sector peers (NACE 96, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
50+8
equity 24.9% of total assets
Liquidity
54+8
short-term debt 30.2% · cash 13.3%
Profitability
83+2
return on assets 11.0%
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 5 months
06-2026: 0.4%
07-2026: 0.4%▲ +2.5% vs 06-2026
08-2026: 1.0%▲ +113% vs 07-2026highest value
09-2026: 0.2%▼ -83.9% vs 08-2026lowest value
10-2026: 0.2%● 0.0% vs 09-2026lowest value
- Founded in 2003 lowers the probability for this profile
- Size: total assets €246,195 lowers the probability for this profile
- Liquidity: current ratio 0.73, cash €32,857 lowers the probability
- 2 establishment units raises the probability
Credit up to €5,000 at 30 days acceptable
Liquidity short (current ratio 0.73 against 0.38 in 2024; short-term debt: 30.2% and cash: 13.3% of total assets), and 75.1% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 96, micro). Better than this share of them on solvency 48%, liquidity 57%, profitability 70%, growth against the median 88%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 10 filingsDeviation from the deadline
2025
27 d late
2024
4 d late
2023
28 d late
2022
151 d late
2021
31 d late
2020
31 d late
2019
91 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 52 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 48% 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 29 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Highest result since 2018net €27,136 ▲30.1%
- Annual accounts filedfiscal year 2024 · full…
Key points
By topic
Timeline
- Events
- 14
- Since
- 2017
- Next accounts
- by 31-07-2027
- 27-08-2026Annual accounts filed
- 31-12-2025Highest result since 2018
- 04-08-2025Annual accounts filed
Company details
- Sites
- 2
- Legal form
- Private limited company
- Activity
- Launderettes and laundries for private customersNACE 96102
- Founded
- 08-05-2003
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.