Equity
-€104,944
Debts exceed assets in financial year 2025.
ArtOlilo
Lifetime
7 annual accounts with figures on one time axispeak €42,104 (2025)
€42,104▲ €76,554
lowest -€131,296 (2024)
€35,172▲ €166,468
peak €62,387 (2021)
-€104,944▲ €35,172
€113,823▼ 25.2%
Board1 name since 2019
1 directorGOOSSENS,Tom Paul Bert
Documentsfilings and deeds
23-04-20267 days before the deadline
2025micro format
Gross margin from -€34,450 to €42,104Back to profit: €35,172Equity from -€140,116 to -€104,944Debts from €152,153 to €113,823
Key points
from the 2025 annual accountsResult
€35,172 €35,172
Back in profit in 2025, after a loss of €131,296 in 2024.
Debts
€113,823 1,282% of the balance sheet
Financial debts 59%Suppliers 27%Taxes and wages 4%Other 10%
Of this, €43,491 falls due within a year.
Filings
7 annual accounts 1 late
The 2019 accounts came 13 days late. The other six were filed on time.
At the same address
162 companies
Position in the sector
-1181.9%
Lower solvency than 95% of companies in architecture and engineering. Sector median 53.9% · 11,794 companies.
Checked score
55
Fair
Financially stronger than 41% of micro companies in architecture and engineering (NACE 71)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 14,828 companies (NACE 71, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.6%
01-2025: 1.6%● unchanged vs 12-2024
02-2025: 1.4%▼ -0.2 percentage points vs 01-2025
03-2025: 1.4%● unchanged vs 02-2025
04-2025: 1.6%▲ +0.2 percentage points vs 03-2025
05-2025: 1.8%▲ +0.2 percentage points vs 04-2025highest value
06-2025: 1.4%▼ -0.4 percentage points vs 05-2025
07-2025: 0.6%▼ -0.8 percentage points vs 06-2025
08-2025: 0.6%● unchanged vs 07-2025
09-2025: 0.6%● unchanged vs 08-2025
10-2025: 0.6%● unchanged vs 09-2025
11-2025: 0.6%● unchanged vs 10-2025
12-2025: 0.6%● unchanged vs 11-2025
01-2026: 0.6%● unchanged vs 12-2025
02-2026: 0.5%▼ -0.1 percentage points vs 01-2026
03-2026: 0.5%● unchanged vs 02-2026
04-2026: 0.7%▲ +0.2 percentage points vs 03-2026
05-2026: 0.2%▼ -0.5 percentage points vs 04-2026lowest value
06-2026: 0.2%● unchanged vs 05-2026lowest value
07-2026: 0.2%● unchanged vs 06-2026lowest value
08-2026: 0.2%● unchanged vs 07-2026lowest value
09-2026: 0.2%● unchanged vs 08-2026lowest value
10-2026: 0.2%● unchanged vs 09-2026lowest value
11-2026: 0.2%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€104,944
lowers risk
Size: total assets €8,879
Sector: Architectural and engineering activities; technical testing and analysis (NACE 71)
Figures for financial year 2025 (filed on 23-04-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 71, micro). It does better than 3% of them on solvency, 2% on liquidity, 88% on profitability and 71% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-09-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 3,632 companies had the same profile as ArtOlilo has now. Each dot stands for 10 companies, two years later.
91.9%
were still trading
4.8%
stopped another way
2.9%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of ArtOlilo itself is lower: 0.2% within 12 months. It rests on far more data about ArtOlilo than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,632 companies, not a prediction for ArtOlilo. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.2 (0.15 in 2024), below 1. Short-term debt is 489.8% and cash 1.7% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 11794 sector peers (2025).
NBB · sector comparisonPosition among 11794 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 23-04-2026, 7 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
7 days early
2024
1 day early
2023
1 day early
2022
5 days early
2021
4 days early
2020
on the day
2019
13 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 1 day before the deadline. In the sector (NACE 71), the median for financial year 2024 was 8 days before the deadline, and 34% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 26 April (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end10-11-2026 today30-04-2027 deadline
Board and ownership
- SCHOOFS,Liesbeth Lutgarde partnerdeed of 01-07-2019
- GOOSSENS,Tom Paul Bert partnerdeed of 01-07-2019
Shares in 1 company, CONSTRUCOM DG
Board & ownershipRecent changes
Registered office moved from Nieuwerkerken to Herk-de-Stad
New registered office: Steenweg 3 bus 402 te 3540 Herk-de-Stad · Previous registered office: Manisbosstraat 1, 3540 Nieuwerkerken · General meeting of 15-06-2023 · Gazette deed
Change of role: GOOSSENS, Tom Paul Bert, from manager to director
Partner: SCHOOFS, Liesbeth Lutgarde · SCHOOFS, Liesbeth Lutgarde holds 10 shares · Partner: GOOSSENS, Tom Paul Bert · General meeting of 25-06-2019 · Gazette deed
Incorporation
published on 31-08-2007 · Gazette deed
First establishment
Naamsesteenweg 126, Sint-Truiden
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| ArtOlilo Herk-de-Stad | €8,879 | €42,104 | -1181.9% | - |
| 5AM Bruges | €6,408 | €35,083 | -2856.4% | 1.3 |
| RED APPLE Lier | €17,002 | €19,029 | -151.0% | - |
| PLEIN SUD Forest | €19,291 | €22,836 | -11.2% | - |
| ARCIOZ Schaerbeek | €11,738 | €11,712 | 21.6% | - |
| twins 92 Court-Saint-Etienne | €12,438 | €11,042 | 49.3% | - |
| GAELINE PERIER DECORATION D'INTERIEUR Lasne | €18,208 | €10,865 | -70.5% | - |
These companies have the same main activity as ArtOlilo: activities of interior architects (NACE 71112). They are comparable in size and age: total assets between €6,410 and €19,300, founded between 1997 and 2011.
Official details
Source: KBO- Status
- Active since 23-08-2007Normal situation
- Registered office
- 167 active companies are registered at this address12 started in the 12 months before. Source: KBO register, as of 10 November 2026.
- Activity
- Activities of interior architectsNACE 71112
- Establishment unit
- 2.169.207.1393800 Sint-Truiden, since 01-07-2007
- Financial year end
- 30 September
- Peppol
- Reachable
Annual accounts to 30-09-2025
- ≈ €120,000estimated
- €8,879▼ 26.2%
- Filing
- Filed on 23-04-2026, 7 days before the end of the filing period
Insights on ArtOlilo
ArtOlilo files the micro format. That format states no turnover. The gross margin rose from €36,806 in 2019 to €42,104 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about ArtOlilo
- What is the company number of ArtOlilo?
- The company number of ArtOlilo is 0891.594.405. The VAT number is the same number with BE in front: BE 0891.594.405.
- Where is ArtOlilo based?
- The registered office is at Steenweg 3, 3540 Herk-de-Stad.Company details
- What does ArtOlilo do?
- According to the KBO register, the main activity is activities of interior architects (NACE 71112).
- What is the legal form of ArtOlilo?
- ArtOlilo is a private limited company (BV).
- When was ArtOlilo founded?
- ArtOlilo was founded on 23-08-2007.
- Is ArtOlilo still active?
- Yes, ArtOlilo is an active enterprise in the KBO register.
- What is the turnover of ArtOlilo?
- The turnover in financial year 2025 is ≈ €120,000. This figure is estimated from the gross margin of €42,104 and 53 comparable companies (NACE 711). It probably lies between €88,000 and €170,000.Financials
- Is ArtOlilo profitable?
- In financial year 2025, ArtOlilo made a profit of €35,172.
- Where can I find the annual accounts of ArtOlilo?
- ArtOlilo filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of ArtOlilo due?
- ArtOlilo must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
Next steps
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