F.J. ART
ActiveF.J. ART has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €211k and a net result of €-11k. Equity is shrinking by ~7.9% per year across the filed fiscal years. Its solvency ranks better than 81% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability28▲+10
Solvency97▼-2
Growth58=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 3.61 against 3.91 in 2024; short-term debt: 27.7% and cash: 0% of total assets), and 27.7% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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 (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-11k
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 27-04-2026, 95 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
95 d early
2024
6 d early
2023
on the day
2022
11 d early
2021
8 d early
2020
2 d early
2019
25 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-11k▲ 50.2%
2024 · €-23k
2018: €-64k
2019: €-51k
2020: €-23k
2021: €-26k
2022: €-24k
2023: €-16k
2024: €-23k
2018 → 2025
Working capital
€211k▼ 5.1%
2024 · €222k
2018: €377k
2019: €335k
2020: €311k
2021: €285k
2022: €262k
2023: €245k
2024: €222k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€285k-€262k▼ 8.3%€245k▼ 6.3%€222k▼ 9.3%€211k▼ 5.1%
Operating result€-26k-€-23k▲ 8.8%€-16k▲ 31.5%€-22k▼ 39.3%€-11k▲ 51.6%
Net result€-26k-€-24k▲ 8.3%€-16k▲ 30.7%€-23k▼ 38.3%€-11k▲ 50.2%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €11k in 2025 against €22k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €292k
Equity
€211k▼ 5.1%
Debt
€81k▲ 5.8%
The debt ratio rises from 25.6% to 27.7%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
72.3%▼
2024 · 74.4%
Current ratio
3.61▼
2024 · 3.91
Quick ratio
0.03▼
2024 · 0.03
Debt / equity
0.38▲
2024 · 0.34
ROE
-5.4%▲
2024 · -10.3%
ROA
-3.9%▲
2024 · -7.6%
Debt
€81k▲
2024 · €76k
Debt ≤ 1 year
€81k▲
2024 · €76k
Income taxes
€380▼
2024 · €385
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€299k€292k▼
Fixed assets21/28-€0
Intangible fixed assets21-€0
Tangible fixed assets22/27-€0
Furniture and vehicles24-€0
Current assets29/58€299k€292k▼
Stocks and contracts in progress3€296k€290k▼
Stocks30/36€296k€290k▼
Amounts receivable within one year40/41€1k€662▼
Trade receivables40€900€0▼
Other amounts receivable41€222€662▲
Cash at bank and in hand54/58-€47
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€299k€292k▼
Equity10/15€222k€211k▼
Contributions10/11€417k€417k=
Reserves13€42k€42k=
Non-distributable reserves130/1€42k€42k=
Reserves not available under the articles1311€42k€42k=
Profit (loss) carried forward14€-236k€-247k▼
Amounts payable17/49€76k€81k▲
Amounts payable within one year42/48€76k€81k▲
Financial debts43€1k€0▼
Credit institutions430/8€1k€0▼
Trade debts44€536€2k▲
Suppliers440/4€536€2k▲
Taxes, remuneration and social security45€731€765▲
Taxes450/3€731€765▲
Other amounts payable47/48€74k€78k▲
Income statement
Code20242025
Other operating charges640/8€773€620▼
Gross operating margin9900€-21k€-10k▲
Operating profit (loss)9901€-22k€-11k▲
Financial charges65/66B€198€204▲
Recurring financial charges65€198€204▲
Profit (loss) for the period before taxes9903€-22k€-11k▲
Income taxes67/77€385€380▼
Profit (loss) for the period9904€-23k€-11k▲
Profit (loss) for the period to be appropriated9905€-23k€-11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-236k€-247k▼
Profit (loss) brought forward from the previous period14P€-213k€-236k▼
The notes to these accounts (5 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
27-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
NBB filing
Directors · office · real estate
Directors
4 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, Liège · 1 establishment unit since 2015
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.
Rue des Vingt-Deux 314000 LiègeGround area
230 m²
Building footprint
69 m²
Volume, LiDAR
1,044 m³
Parcel 62805B0433/00F002, Wallonia · tallest building 16.5 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
F.J ART
since 20152.238.394.467
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62805B0433/00F002 | Wallonia | 230 m² | 1 · 69 m² | 16.5 m · 5 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
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AU FIL DU TEMPS
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Antiek Notre Dame
BE 0662.481.195
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GnD@rts
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Of 1,435 companies in sector 47791 we hold annual accounts for 455. 335 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-12-2014
Fiscal year end31-12
Activities, NACEBEL
47791Retail sale of antiques
82300Organisation of conventions and trade shows
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.