L' Arte Bianca
ActiveSummary
The computed 12-month bankruptcy probability of L' Arte Bianca is 4.5% (elevated). The 2025 annual accounts show equity of €8k and a net result of €1k. Its solvency ranks better than 74% of 13305 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. An elevated bankruptcy probability caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-18
Solvency83▼-8
Growth52
Track record82
Bankruptcy probability, 12 months
4.5%
Elevated
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity ample (current ratio 1.91 against 1.57 in 2024; short-term debt: 41.9% and cash: 63.9% of total assets), and 41.9% 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.
+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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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 30-07-2026, 1 day ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
1 d early
2024
61 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€8k▲ 21.4%
2024 · €7k
2024: €7k
2024 → 2025
Total assets
€14k▲ 37.5%
2024 · €10k
2024: €10k
2024 → 2025
Net result
€1k▼ 60.9%
2024 · €4k
2024: €4k
2024 → 2025
Working capital
€5k▲ 171%
2024 · €2k
2024: €2k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€7k-€8k▲ 21.4%
Operating result€5k-€2k▼ 56.7%
Net result€4k-€1k▼ 60.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 57% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €14k
Fixed assets
€3k ▼ 33.4%
Current assets
€11k ▲ 106%
Equity and liabilities €14k
Equity
€8k ▲ 21.4%
Debt
€6k ▲ 68.5%
Debt's share of the balance-sheet total rises from 34.2% to 41.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€4k▼
2024 · €5k
Cash flow
€3k▼
2024 · €4k
Current ratio
1.91▲
2024 · 1.57
Quick ratio
1.72▲
2024 · 1.23
Debt to equity
0.72▲
2024 · 0.52
ROE
17.6%▼
2024 · 54.6%
ROA
10.2%▼
2024 · 35.9%
Interest coverage
23.96▼
2024 · 49.17
Debt ≤ 1 year
€6k▲
2024 · €3k
Income taxes
€440▼
2024 · €947
Staff costs
€16k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€10k€14k▲
Formation expenses20€832€188▼
Fixed assets21/28€4k€3k▼
Tangible fixed assets22/27€4k€3k▼
Furniture and vehicles24€4k€3k▼
Current assets29/58€5k€11k▲
Stocks and contracts in progress3€1k€1k▼
Stocks30/36€1k€1k▼
Amounts receivable within one year40/41-€1k
Other amounts receivable41-€1k
Cash at bank and in hand54/58€4k€9k▲
Equity and liabilities
Total equity and liabilities10/49€10k€14k▲
Equity10/15€7k€8k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€4k€5k▲
Amounts payable17/49€3k€6k▲
Amounts payable within one year42/48€3k€6k▲
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€1k€2k▲
Taxes450/3€1k€947▼
Remuneration and social security454/9-€715
Income statement
Code20242025
Remuneration, social security and pensions62-€16k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€459€2k▲
Other operating charges640/8-€2k
Gross operating margin9900€5k€22k▲
Operating profit (loss)9901€5k€2k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€104€164▲
Recurring financial charges65€104€164▲
Profit (loss) for the period before taxes9903€5k€2k▼
Income taxes67/77€947€440▼
Profit (loss) for the period9904€4k€1k▼
Profit (loss) for the period to be appropriated9905€4k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€5k▲
Profit (loss) brought forward from the previous period14P-€4k
The notes to these accounts (4 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro 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 2024
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.
Avenue de Nancy 324020 LiègeGround area
78 m²
Building footprint
48 m²
Volume, LiDAR
375 m³
Parcel 62020A0811/00H000, Wallonia · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
L' Arte Bianca
since 20242.372.277.629
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62020A0811/00H000 | Wallonia | 78 m² | 1 · 48 m² | 11.2 m · 3 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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CCA One
BE 0696.648.654
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Lélau
BE 1018.340.642
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DE PATISSIER
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Of 21,888 companies in sector 56112 we hold annual accounts for 9,780. 6,364 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-04-2024
Fiscal year end31-12
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.