Artoos Immo
ActiveArtoos Immo has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €104k and a net result of €-61k. Equity is shrinking by ~4.2% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2025. Its solvency ranks better than 23% of 9716 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability65▲+48
Solvency31▼-6
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 1.93; short-term debt: 18.6% and cash: 1.5% of total assets), but 94.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
5.6%
Return on assets
-3.3%
Age of the figures
21 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-61k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 9716 sector peers (2024).
NBB · sector comparisonPosition among 9716 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 8 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
6 d early
2022
34 d early
2021
40 d early
2020
40 d early
2019
45 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€104k▼ 37.1%
2023 · €165k
2018: €-15k
2019: €-16k
2020: €-17k
2021: €-18k
2022: €-20k
2023: €165k
2018 → 2024
Total assets
€1.85M▲ 35.7%
2023 · €1.37M
2018: €190k
2019: €189k
2020: €188k
2021: €187k
2022: €180k
2023: €1.37M
2018 → 2024
Net result
€-61k▼ 324%
2023 · €-14k
2018: €-505
2019: €-762
2020: €-805
2021: €-2k
2022: €-2k
2023: €-14k
2018 → 2024
Working capital
€321k▲ 871%
2023 · €33k
2018: €-158k
2019: €-159k
2020: €-160k
2021: €-162k
2022: €-163k
2023: €33k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-17k-€-18k▼ 9.7%€-20k▼ 9.7%€165k€104k▼ 37.1%
Operating result€-502-€-2k▼ 211%€-2k▼ 9.9%€-14k▼ 740%€-45k▼ 209%
Net result€-805-€-2k▼ 102%€-2k▼ 9.4%€-14k▼ 716%€-61k▼ 324%
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 stays negative: a loss of €45k in 2024 against €14k in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.85M
Fixed assets
€1.19M▼ 10.9%
Current assets
€665k▲ 1,911%
Equity and liabilities €1.85M
Equity
€104k▼ 37.1%
Debt
€1.75M▲ 45.7%
The debt ratio rises from 87.9% to 94.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€130k▲
2023 · €-3k
Cash flow
€113k▲
2023 · €-4k
Solvency
5.6%▼
2023 · 12.1%
Current ratio
1.93
Quick ratio
1.93
Debt / equity
16.80▲
2023 · 7.25
ROE
-59.0%▼
2023 · -8.8%
ROA
-3.3%▼
2023 · -1.1%
Interest coverage
7.74▲
2023 · -57.25
Debt
€1.75M▲
2023 · €1.20M
Debt ≤ 1 year
€344k▲
2023 · €64
Debt > 1 year
€1.30M▲
2023 · €1.20M
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.37M€1.85M▲
Fixed assets21/28€1.33M€1.19M▼
Intangible fixed assets21€1.19M€1.04M▼
Tangible fixed assets22/27€143k€143k=
Other tangible fixed assets26€143k€143k=
Current assets29/58€33k€665k▲
Amounts receivable within one year40/41€2k€553k▲
Trade receivables40€2k€531k▲
Other amounts receivable41-€21k
Cash at bank and in hand54/58€31k€28k▼
Deferred charges and accrued income490/1-€84k
Equity and liabilities
Total equity and liabilities10/49€1.37M€1.85M▲
Equity10/15€165k€104k▼
Contributions10/11€206k€206k=
Profit (loss) carried forward14€-41k€-102k▼
Amounts payable17/49€1.20M€1.75M▲
Amounts payable after more than one year17€1.20M€1.30M▲
Financial debts170/4€1.20M€1.30M▲
Amounts payable within one year42/48€64€344k▲
Trade debts44€64€344k▲
Suppliers440/4€64€344k▲
Accrued charges and deferred income492/3-€104k
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€174k▲
Other operating charges640/8€493€80k▲
Gross operating margin9900€-3k€210k▲
Operating profit (loss)9901€-14k€-45k▼
Financial charges65/66B€61€17k▲
Recurring financial charges65€61€17k▲
Profit (loss) for the period before taxes9903€-14k€-61k▼
Profit (loss) for the period9904€-14k€-61k▼
Profit (loss) for the period to be appropriated9905€-14k€-61k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-41k€-102k▼
Profit (loss) brought forward from the previous period14P€-26k€-41k▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 61 days late
2024
31-12
Financial
Weakest financial yearnet €-61k
Net result drops to €-61k, the lowest in the series.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity times 2844current ratio 518.50
Current ratio from 0.18 to 518.50; short-term debt falls from €200k to €64.
31-12
Financial
Equity above €150kEq €165k
Equity rises from €-20k to €165k.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
16-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
19-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
25-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2023
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
21-12-2023
Resigned as Manager
Location & real-estate footprint
Registered office, Bonheiden · 1 establishment unit since 2009
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.
Zandbergstraat 102820 BonheidenGround area
1,595 m²
Building footprint
171 m²
Volume, LiDAR
1,190 m³
Parcel 12031A0500/00E000, Flanders · tallest building 19.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Zandbergstraat 10, 2820 Bonheiden
since 20092.178.254.962
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12031A0500/00E000 | Flanders | 1,595 m² | 1 · 171 m² | 19.0 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.
Similar companies · same sector, comparable size
AC – ADVISORY INVEST
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FAWI
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DAVA IMMO
BE 0771.682.015
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MAYANCASS
BE 0674.692.705
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MPC PROPERTIES
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Of 7,321 companies in sector 68110 we hold annual accounts for 5,382. 3,717 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-04-2009
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.