Summary
ARTORE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €114,016 and a net result of €82,505. Equity is growing by ~36.7% per year across the filed fiscal years. Its solvency ranks better than 27% of 2463 sector peers (fiscal year 2025). The company has been active since 2017 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 17-07-2026, 14 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
14 d early
2024
31 d early
2023
21 d early
2022
24 d early
2021
4 d early
2020
5 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 17 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% 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 11 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€114,016▲ 262%
2024 · €31,511
Net result
€82,505
2024 · -€21,795
Total assets
€542,169▲ 0.3%
2024 · €540,499
Solvency
21.0%▲ 15.2pp
2024 · 5.8%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, 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
Line20212022202320242025
Operating result€42,551€68,785▲ 61.7%€33,643▼ 51.1%-€9,342€126,535
Net result€24,932within the sector's middle half€39,781within the sector's middle half▲ 59.6%€13,204within the sector's middle half▼ 66.8%-€21,795below the sector's middle half€82,505within the sector's middle half
Equity€28,320below the sector's middle half▲ 104%€40,102within the sector's middle half▲ 41.6%€53,306within the sector's middle half▲ 32.9%€31,511below the sector's middle half▼ 40.9%€114,016within the sector's middle half▲ 262%
Total assets€517,478within the sector's middle half▲ 152%€494,273within the sector's middle half▼ 4.5%€542,061within the sector's middle half▲ 9.7%€540,499within the sector's middle half▼ 0.3%€542,169within the sector's middle half▲ 0.3%
Debt€489,158▲ 155%€454,171▼ 7.2%€488,755▲ 7.6%€508,988▲ 4.1%€428,154▼ 15.9%
Working capital-€23,400below the sector's middle half-€31,412below the sector's middle half▼ 34.2%€24,510within the sector's middle half-€83,810below the sector's middle half-€10,125below the sector's middle half▲ 87.9%
Solvency5.5%below the sector's middle half▼ 1.3pp8.1%below the sector's middle half▲ 2.6pp9.8%below the sector's middle half▲ 1.7pp5.8%below the sector's middle half▼ 4.0pp21.0%within the sector's middle half▲ 15.2pp
Current ratio0.80below the sector's middle half▼ 0.510.74below the sector's middle half▼ 0.061.20within the sector's middle half▲ 0.470.52below the sector's middle half▼ 0.680.92within the sector's middle half▲ 0.40
Return on assets (ROA)4.8%within the sector's middle half▲ 12.6pp8.0%within the sector's middle half▲ 3.2pp2.4%within the sector's middle half▼ 5.6pp-4.0%below the sector's middle half▼ 6.5pp15.2%within the sector's middle half▲ 19.2pp
Staff (FTE)3.54.3▲ 22.9%4.9▲ 14.0%6.8▲ 38.8%6▼ 11.8%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €126,535 after a loss of €9,342 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €542,169
Fixed assets
€422,867 ▼ 5.7%
Current assets
€119,302 ▲ 29.4%
Equity and liabilities €542,169
Equity
€114,016 ▲ 262%
Debt
€428,154 ▼ 15.9%
Debt's share of the balance-sheet total falls from 94.2% to 79.0%. Equity is higher and debt is lower.
Key figures and ratios
ROE
72.4%▲
2024 · -69.2%
Debt ≤ 1 year
€129,427▼
2024 · €176,017
Debt > 1 year
€298,727▼
2024 · €332,971
Income taxes
€32,300▲
2024 · €437
Staff costs
€300,410▼
2024 · €349,990
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €120,823 | €148,501 | €189,163 | €349,990 | €300,410 | ▼ 14.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €19,051 | €22,711 | €17,851 | €26,592 | €25,425 | ▼ 4.4% |
| Other operating charges640/8 | €6,310 | €2,669 | €2,546 | €2,046 | €1,916 | ▼ 6.4% |
| Gross operating margin9900 | €188,734 | €242,666 | €243,204 | €369,286 | €454,286 | ▲ 23.0% |
| Operating profit (loss)9901 | €42,551 | €68,785 | €33,643 | -€9,342 | €126,535 | ▲ 1,455% |
| Financial income75/76B | €675 | €6 | €54 | €8 | €3 | ▼ 63.1% |
| Recurring financial income75 | €675 | €6 | €54 | €8 | €3 | ▼ 63.1% |
| Financial charges65/66B | €5,064 | €9,251 | €8,827 | €12,025 | €11,733 | ▼ 2.4% |
| Recurring financial charges65 | €5,064 | €9,251 | €8,827 | €12,025 | €11,733 | ▼ 2.4% |
| Profit (loss) for the period before taxes9903 | €38,162 | €59,540 | €24,870 | -€21,359 | €114,805 | ▲ 638% |
| Income taxes67/77 | €13,230 | €19,759 | €11,666 | €437 | €32,300 | ▲ 7,296% |
| Profit (loss) for the period9904 | €24,932 | €39,781 | €13,204 | -€21,795 | €82,505 | ▲ 479% |
| Profit (loss) for the period to be appropriated9905 | €24,932 | €39,781 | €13,204 | -€21,795 | €82,505 | ▲ 479% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €517,478 | €494,273 | €542,061 | €540,499 | €542,169 | ▲ 0.3% |
| Fixed assets21/28 | €425,905 | €406,783 | €396,762 | €448,292 | €422,867 | ▼ 5.7% |
| Intangible fixed assets21 | €52,782 | €49,317 | €45,376 | €107,921 | €93,657 | ▼ 13.2% |
| Tangible fixed assets22/27 | €368,973 | €357,067 | €350,986 | €339,971 | €328,810 | ▼ 3.3% |
| Land and buildings22 | €353,472 | €346,391 | €339,310 | €332,230 | €325,149 | ▼ 2.1% |
| Plant, machinery and equipment23 | €4,900 | €0 | - | - | - | - |
| Furniture and vehicles24 | €4,201 | €5,962 | €8,647 | €6,398 | €3,661 | ▼ 42.8% |
| Leasing and similar rights25 | €6,399 | €4,714 | €3,029 | €1,344 | €0 | ▼ 100% |
| Financial fixed assets28 | €4,150 | €400 | €400 | €400 | €400 | = |
| Current assets29/58 | €91,574 | €87,489 | €145,299 | €92,207 | €119,302 | ▲ 29.4% |
| Amounts receivable after more than one year29 | €24,100 | €19,416 | €0 | - | - | - |
| Trade receivables290 | €24,100 | €0 | - | - | - | - |
| Other amounts receivable291 | - | €19,416 | €0 | - | - | - |
| Amounts receivable within one year40/41 | €5,774 | €6,923 | €6,072 | €14,563 | €5,005 | ▼ 65.6% |
| Trade receivables40 | €1,004 | €2,153 | €2,738 | €0 | €5,005 | - |
| Other amounts receivable41 | €4,770 | €4,770 | €3,334 | €14,563 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €20,760 | €1,200 | €74,841 | €14,371 | €45,158 | ▲ 214% |
| Deferred charges and accrued income490/1 | €40,940 | €59,950 | €64,386 | €63,273 | €69,138 | ▲ 9.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €517,478 | €494,273 | €542,061 | €540,499 | €542,169 | ▲ 0.3% |
| Equity10/15 | €28,320 | €40,102 | €53,306 | €31,511 | €114,016 | ▲ 262% |
| Contributions10/11 | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Reserves13 | €26,320 | €38,102 | €51,306 | €29,511 | €112,016 | ▲ 280% |
| Distributable reserves133 | €26,320 | €38,102 | €51,306 | €29,511 | €112,016 | ▲ 280% |
| Profit (loss) carried forward14 | €0 | €0 | €0 | - | - | - |
| Amounts payable17/49 | €489,158 | €454,171 | €488,755 | €508,988 | €428,154 | ▼ 15.9% |
| Amounts payable after more than one year17 | €371,677 | €335,269 | €367,966 | €332,971 | €298,727 | ▼ 10.3% |
| Financial debts170/4 | €371,677 | €335,269 | €367,966 | €332,971 | €298,727 | ▼ 10.3% |
| Amounts payable within one year42/48 | €114,974 | €118,901 | €120,788 | €176,017 | €129,427 | ▼ 26.5% |
| Current portion of amounts payable after more than one year42 | €46,798 | €36,407 | €33,303 | €34,995 | €34,244 | ▼ 2.1% |
| Financial debts43 | €15,000 | €1,518 | €180 | €26,725 | €8,409 | ▼ 68.5% |
| Credit institutions430/8 | €15,000 | €1,518 | €180 | €26,725 | €8,409 | ▼ 68.5% |
| Trade debts44 | €29,331 | €25,732 | €53,469 | €75,230 | €30,842 | ▼ 59.0% |
| Suppliers440/4 | €29,331 | €25,732 | €53,469 | €75,230 | €30,842 | ▼ 59.0% |
| Taxes, remuneration and social security45 | €13,165 | €27,244 | €29,303 | €33,974 | €51,433 | ▲ 51.4% |
| Taxes450/3 | €0 | €4,759 | €8,959 | €0 | €17,300 | - |
| Remuneration and social security454/9 | €13,165 | €22,485 | €20,344 | €33,974 | €34,132 | ▲ 0.5% |
| Other amounts payable47/48 | €10,680 | €28,000 | €4,533 | €5,093 | €4,499 | ▼ 11.7% |
| Accrued charges and deferred income492/3 | €2,507 | €0 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €24,932 | €39,781 | €13,204 | -€21,795 | €82,505 | ▲ 479% |
| + Depreciation and write-downs630 | €19,051 | €22,711 | €17,851 | €26,592 | €25,425 | ▼ 4.4% |
| Operating cash flow (approximation) | €43,984 | €62,492 | €31,056 | €4,796 | €107,929 | ▲ 2,150% |
| Investment in fixed assets (approximation) | - | -€3,589 | -€7,830 | -€78,122 | €0 | ▲ 100% |
| Change in cash | - | -€19,560 | €73,641 | -€60,470 | €30,788 | ▲ 151% |
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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €82,505
Net result €82,505 after one loss-making year.
31-12
Financial
Equity above €100,000Eq €114,016 ▲262%
Equity rises from €31,511 to €114,016.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet -€21,795
Net result drops to -€21,795, the lowest in the series; recovery starts the following year.
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €24,932
Net result €24,932 after one loss-making year.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 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
7 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, Aartselaar · 1 establishment unit since 2017
Ground area
258 m²
Building footprint
177 m²
Volume, LiDAR
1,541 m³
Parcel 11001C0357/00D000, Flanders · tallest building 9.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ARTORE
since 20172.264.826.769
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11001C0357/00D000 | Flanders | 258 m² | 1 · 177 m² | 9.9 m · 3 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.
Structure & network
Owners and holdings
1 ownerOwners 1
- Sourceaccounts Divera 202310%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 5,072 EUR awarded · 5,072 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 194 EUR | 194 EUR |
| 2024 | 1 | 283 EUR | 283 EUR |
| 2023 | 1 | 844 EUR | 4,309 EUR |
| 2022 | 1 | 3,751 EUR | 286 EUR |
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Of 4,674 companies in sector 66220 we hold annual accounts for 3,222. 2,738 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
Founded07-06-2017
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0676618946
Registered
18-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.