LART'CO
ActiveLART'CO has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19k and a net result of €12k. Equity is growing by ~23.4% per year across the filed fiscal years. Its solvency ranks better than 78% of 11297 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+12
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 3.17 against 0.74 in 2024; short-term debt: 21.5% and cash: 32.8% of total assets), and 23.6% 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 · 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
76.4%
Return on assets
46.5%
Age of the figures
15 mo
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 09-02-2026, 9 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
9 d late
2024
on the day
2023
on the day
2022
on the day
2021
on the day
2020
2 d early
2019
60 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€12k▲ 172%
2024 · €4k
2019: €2k
2020: €3k
2021: €333
2022: €-1k
2023: €-844
2024: €4k
2019 → 2025
Working capital
€12k
2024 · €-1k
2019: €2k
2020: €5k
2021: €6k
2022: €5k
2023: €-6k
2024: €-1k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5k-€4k▼ 21.0%€3k▼ 20.9%€7k▲ 133%€19k▲ 155%
Operating result€-500-€-931▼ 86.3%€-795▲ 14.6%€4k€12k▲ 171%
Net result€333-€-1k€-844▲ 21.5%€4k€12k▲ 172%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 171% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €25k
Fixed assets
€8k▼ 11.7%
Current assets
€17k▲ 491%
Equity and liabilities €25k
Equity
€19k▲ 155%
Debt
€6k▲ 33.9%
The debt ratio falls from 37.0% to 23.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€13k▲
2024 · €5k
Cash flow
€13k▲
2024 · €5k
Solvency
76.4%▲
2024 · 63.0%
Current ratio
3.17▲
2024 · 0.74
Quick ratio
3.17▲
2024 · 0.74
Debt / equity
0.31▼
2024 · 0.59
ROE
60.8%▲
2024 · 57.0%
ROA
46.5%▲
2024 · 35.9%
Interest coverage
421.09▲
2024 · 163.93
Debt
€6k▲
2024 · €4k
Debt ≤ 1 year
€5k▲
2024 · €4k
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€12k€25k▲
Fixed assets21/28€9k€8k▼
Intangible fixed assets21€9k€8k▼
Current assets29/58€3k€17k▲
Amounts receivable within one year40/41€3k€9k▲
Trade receivables40€3k€9k▲
Other amounts receivable41-€66
Cash at bank and in hand54/58€127€8k▲
Equity and liabilities
Total equity and liabilities10/49€12k€25k▲
Equity10/15€7k€19k▲
Contributions10/11€16k€16k=
Reserves13€8k€8k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€7k€7k=
Profit (loss) carried forward14€-17k€-6k▲
Amounts payable17/49€4k€6k▲
Amounts payable within one year42/48€4k€5k▲
Trade debts44€347€728▲
Suppliers440/4€347€728▲
Other amounts payable47/48€4k€5k▲
Accrued charges and deferred income492/3€500€500=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k=
Other operating charges640/8-€1k
Gross operating margin9900€5k€14k▲
Operating profit (loss)9901€4k€12k▲
Financial charges65/66B€33€30▼
Recurring financial charges65€33€30▼
Profit (loss) for the period before taxes9903€4k€12k▲
Profit (loss) for the period9904€4k€12k▲
Profit (loss) for the period to be appropriated9905€4k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-17k€-6k▲
Profit (loss) brought forward from the previous period14P€-21k€-17k▲
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
09-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 9 days late
2025
30-06
Financial
Highest result since 2019net €12k ▲172%
Operating result €12k, net result €12k, both a record.
30-06
Financial
Liquidity quadruplescurrent ratio 3.17
Current ratio from 0.74 to 3.17.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Weakest financial yearnet €-1k ▼423%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity triplescurrent ratio 6.18
Current ratio from 2.43 to 6.18; short-term debt falls from €4k to €877.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-03
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 60 days late
2019
28-02
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 28 days late
2017
28-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 28 days late
2016
29-01
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
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.
Location & real-estate footprint
Registered office, Beauvechain · 1 establishment unit since 1995
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.
Chemin d'Agbiermont, Nodebais 1 C1320 BeauvechainGround area
3,960 m²
Building footprint
2,599 m²
Volume, LiDAR
58,479 m³
2 parcels, Brussels, Wallonia · tallest building 40.1 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
Emile Clausstraat 63, 1180 Ukkel
since 19952.070.523.693
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25073A0083/00B000 | Wallonia | 2,103 m² | 1 · 120 m² | 9.3 m · 3 fl. |
| 21612C0045/00D002 | Brussels | 1,857 m² | 1 · 2,479 m² | 40.1 m · 8 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Modern Details
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Of 1,311 companies in sector 46423 we hold annual accounts for 812. 424 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded05-01-1995
Fiscal year end30-06
Activities, NACEBEL
46423Wholesale of clothing, excluding workwear and underwear
51421
Sources
Crossroads Bank for EnterprisesNational Bank · 29 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.