ACTIV ART CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of ACTIV ART CONSTRUCT is 2.0% (moderate). The 2025 annual accounts show equity of €57k and a net result of €34k. Equity is growing by ~4.4% per year across the filed fiscal years. Its solvency ranks better than 41% of 27786 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▲+8
Solvency64▼-30
Growth35=
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity short (current ratio 0.89 against 4.6 in 2024; short-term debt: 61.1% and cash: 34.2% of total assets), and 61.1% 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.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 43
Relative position
BE, all sectors
reference
Sector 43
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
38.9%
Return on assets
23.3%
Age of the figures
9 mo
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 10-07-2026, 21 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
21 d early
2024
33 d early
2023
28 d late
2022
29 d late
2021
26 d late
← 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
Turnover
€496k▼ 10.8%
2021 · €556k
2021: €556k
2021 → 2022
EBIT margin
-0.5%▼ 12.9pp
2021 · 12.4%
2021: 12.4%
2021 → 2022
Net result
€34k▲ 69.6%
2024 · €20k
2021: €55k
2022: €-3k
2023: €11k
2024: €20k
2021 → 2025
Working capital
€-10k
2024 · €78k
2021: €43k
2022: €41k
2023: €54k
2024: €78k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€556k-€496k▼ 10.8%
Equity€57k-€53k▼ 5.6%€64k▲ 20.1%€84k▲ 31.4%€57k▼ 32.2%
Operating result€69k-€-2k€15k€31k▲ 110%€49k▲ 56.0%
Net result€55k-€-3k€11k€20k▲ 87.9%€34k▲ 69.6%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 56% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €147k
Fixed assets
€67k ▲ 204%
Current assets
€80k ▼ 19.1%
Equity and liabilities €147k
Equity
€57k ▼ 32.2%
Debt
€90k ▲ 143%
Debt's share of the balance-sheet total rises from 30.5% to 61.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€70k▲
2024 · €46k
Cash flow
€56k▲
2024 · €35k
Current ratio
0.89▼
2024 · 4.60
Debt to equity
1.57▲
2024 · 0.44
ROE
59.8%▲
2024 · 23.9%
ROA
23.3%▲
2024 · 16.6%
Interest coverage
46.52▲
2024 · 18.11
Debt ≤ 1 year
€90k▲
2024 · €22k
Debt > 1 year
€0▼
2024 · €15k
Income taxes
€13k▲
2024 · €8k
Staff costs
€24k▲
2024 · €7k
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€121k€147k▲
Fixed assets21/28€22k€67k▲
Tangible fixed assets22/27€22k€67k▲
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€18k€63k▲
Current assets29/58€99k€80k▼
Stocks and contracts in progress3€60k€0▼
Stocks30/36€60k€0▼
Amounts receivable within one year40/41€32k€29k▼
Trade receivables40€0€3k▲
Other amounts receivable41€32k€26k▼
Cash at bank and in hand54/58€6k€50k▲
Deferred charges and accrued income490/1€770€1k▲
Equity and liabilities
Total equity and liabilities10/49€121k€147k▲
Equity10/15€84k€57k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€83k€55k▼
Amounts payable17/49€37k€90k▲
Amounts payable after more than one year17€15k€0▼
Financial debts170/4€15k€0▼
Amounts payable within one year42/48€22k€90k▲
Current portion of amounts payable after more than one year42€10k€0▼
Trade debts44€474€476▲
Suppliers440/4€474€476▲
Taxes, remuneration and social security45€11k€38k▲
Taxes450/3€8k€33k▲
Remuneration and social security454/9€2k€6k▲
Other amounts payable47/48€0€51k▲
Income statement
Code20242025
Non-recurring operating income76A€254€0▼
Remuneration, social security and pensions62€7k€24k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€22k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€55k€97k▲
Operating profit (loss)9901€31k€49k▲
Financial income75/76B€1€1▲
Recurring financial income75€1€1▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€29k€47k▲
Income taxes67/77€8k€13k▲
Profit (loss) for the period9904€20k€34k▲
Profit (loss) for the period to be appropriated9905€20k€34k▲
Appropriation of the result
Profit (loss) to be appropriated9906€83k€117k▲
Profit (loss) brought forward from the previous period14P€62k€83k▲
Profit to be distributed694/7-€61k
Return on contributions (dividend)694-€61k
The notes to these accounts (12 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 29 days late
2022
31-12
Financial
Weakest financial yearnet €-3k ▼106%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Affligem · 1 establishment unit since 2021
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.
Boekhoutstraat 981790 AffligemGround area
1,029 m²
Building footprint
110 m²
Parcel 23030A0530/00A002, Flanders. Linked by address, not a title deed.
1 establishment unit
ACTIV ART CONSTRUCT
since 20212.316.283.883
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23030A0530/00A002 | Flanders | 1,029 m² | 1 · 110 m² | - |
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
MALL CONSTRUCTION
BE 0502.979.642
Brussel · Eq €57,181
SVDF CONSTRUCT
BE 0764.402.659
Maasmechelen · Eq €57,228
TS GROUP BELGIUM
BE 0753.474.818
Antwerpen · Eq €57,106
A2T RENOV
BE 0647.932.779
Ukkel · Eq €57,093
BEJAN COLOR DESIGN
BE 0763.464.531
Sint-Lievens-Houtem · Eq €57,254
Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 6,168 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
Founded04-02-2021
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
43120Site preparation
43350Other building finishing work
81210General cleaning of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.