ARTOFACT
ActiveARTOFACT has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €46k and a net result of €-127. Equity is growing by ~8.6% per year across the filed fiscal years. Its solvency ranks better than 94% of 16935 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
70
/ 100
Healthy▼ -30 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency100▲+4
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 11.48 against 1.9 in 2024), and 5.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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 27-07-2026, 4 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
4 d early
2024
13 d early
2023
22 d early
2022
20 d early
2021
13 d early
2020
15 d early
2019
on the day
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€46k▼ 0.3%
2024 · €46k
2018: €29k
2019: €34k
2020: €13k
2021: €31k
2022: €45k
2023: €38k
2024: €46k
2018 → 2025
Total assets
€49k▼ 37.5%
2024 · €78k
2018: €53k
2019: €57k
2020: €57k
2021: €53k
2022: €61k
2023: €81k
2024: €78k
2018 → 2025
Net result
€-127
2024 · €32k
2018: €8k
2019: €6k
2020: €8k
2021: €25k
2022: €23k
2023: €28k
2024: €32k
2018 → 2025
Working capital
€29k▲ 1.3%
2024 · €28k
2018: €17k
2019: €20k
2020: €126
2021: €23k
2022: €29k
2023: €25k
2024: €28k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€31k-€45k▲ 47.3%€38k▼ 16.4%€46k▲ 21.7%€46k▼ 0.3%
Operating result€33k-€29k▼ 11.0%€36k▲ 23.5%€41k▲ 13.1%€1k▼ 97.4%
Net result€25k-€23k▼ 9.3%€28k▲ 21.3%€32k▲ 15.2%€-127
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 falls in 2025; 2025 is 97% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €49k
Fixed assets
€17k▼ 2.8%
Current assets
€32k▼ 47.6%
Equity and liabilities €49k
Equity
€46k▼ 0.3%
Debt
€3k▼ 91.3%
The debt ratio falls from 40.9% to 5.7%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€6k▼
2024 · €44k
Cash flow
€5k▼
2024 · €35k
Solvency
94.3%▲
2024 · 59.1%
Current ratio
11.48▲
2024 · 1.90
Quick ratio
11.48▲
2024 · 1.90
Debt / equity
0.06▼
2024 · 0.69
ROE
-0.3%▼
2024 · 69.3%
ROA
-0.3%▼
2024 · 41.0%
Interest coverage
25.69▼
2024 · 285.79
Debt
€3k▼
2024 · €32k
Debt ≤ 1 year
€3k▼
2024 · €32k
Income taxes
€937▼
2024 · €9k
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€78k€49k▼
Fixed assets21/28€17k€17k▼
Tangible fixed assets22/27€17k€17k▼
Plant, machinery and equipment23€1k€3k▲
Furniture and vehicles24€4k€2k▼
Other tangible fixed assets26€13k€12k▼
Current assets29/58€60k€32k▼
Amounts receivable within one year40/41€31k€11k▼
Trade receivables40€24k€121▼
Other amounts receivable41€7k€11k▲
Cash at bank and in hand54/58€27k€19k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€78k€49k▼
Equity10/15€46k€46k▼
Contributions10/11€19k€19k=
Reserves13€27k€27k▼
Tax-exempt reserves132€102€102=
Distributable reserves133€27k€27k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€32k€3k▼
Amounts payable within one year42/48€32k€3k▼
Financial debts43€768€0▼
Credit institutions430/8€768€0▼
Trade debts44€512€710▲
Suppliers440/4€512€710▲
Taxes, remuneration and social security45€7k€0▼
Taxes450/3€7k€0▼
Other amounts payable47/48€24k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€5k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€45k€8k▼
Operating profit (loss)9901€41k€1k▼
Financial income75/76B€50€0▼
Recurring financial income75€50€0▼
Financial charges65/66B€154€243▲
Recurring financial charges65€154€243▲
Profit (loss) for the period before taxes9903€41k€809▼
Income taxes67/77€9k€937▼
Profit (loss) for the period9904€32k€-127▼
Profit (loss) for the period to be appropriated9905€32k€-127▼
Appropriation of the result
Profit (loss) to be appropriated9906€32k€-127▼
Transfer from equity791/2€0€127▲
Transfer to equity691/2€8k€0▼
To other reserves6921€8k€0▼
Profit to be distributed694/7€24k€0▼
Return on contributions (dividend)694€24k€0▼
The notes to these accounts (7 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-127 ▼100%
Net result drops to €-127, the lowest in the series.
31-12
Financial
Liquidity times 6current ratio 11.48
Current ratio from 1.90 to 11.48; short-term debt falls from €32k to €3k.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €32k ▲15.2%
Operating result €41k, net result €32k, both a record.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity doublescurrent ratio 2.02
Current ratio from 1.00 to 2.02; short-term debt falls from €44k to €22k.
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro 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, Antwerpen · 1 establishment unit since 2016
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.
Ger Schmookstraat 52660 AntwerpenGround area
342 m²
Building footprint
106 m²
Volume, LiDAR
650 m³
Parcel 11382C0680/00C000, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ARTOFACT
since 20162.256.270.973
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11382C0680/00C000 | Flanders | 342 m² | 1 · 106 m² | 10.0 m · 2 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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Of 16,807 companies in sector 62100 we hold annual accounts for 8,747. 6,737 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-08-2016
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
73110Advertising agencies
74103Other professional, scientific and technical activities
74120Graphic design and visual communication
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.