Skip to content
Checked.be
Complete company report
Generated 01-09-2026
Active BE 0804.237.490Private limited company

ART-ES

Chaussée de Louvain 43 ·1300 Wavre, Belgium· 3 yrs active
Sector: Schoonheidsverzorging en andere schoonheidsbehandelingen (96220)
Conclusion Checked

The computed 12-month bankruptcy probability of ART-ES is 4.4% (elevated). The 2024 annual accounts show negative equity (€-16k) and a net result of €-18k. Its solvency ranks better than 9% of 1758 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €-16k
Net result €-18k
Staff (FTE) 0.1
Better than sector 9%
Financial profile 4 of 5 axes measured · computed by Checked
Health10Profitability100Solvency33Growth-Stability79
56 / 100

Mixed profile: strong on profitability, weaker on health.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 10
Profitability 100
Solvency 33
Growth -
Stability 79
Bankruptcy probability (12 mo) Checked model v1 · free
4.4% Elevated
0%0,5%1,5%4%10%≥25%
Young company +Annual accounts: weaker financial profile +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2024 · computed
10 / 100 Critical
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview1 NBB filings
Annual accounts filed on 22-09-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 96, Personal services · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -187.6% 14.9%
better than 9% of 1758 sector peers
Net result €-18k €1k
better than 10% of 1755 sector peers
Equity €-16k €5k
better than 14% of 1763 sector peers
Gross operating margin €-9k €16k
better than 6% of 1753 sector peers
Staff costs €6k €28k
higher than 27% of 802 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA€-16k
Net profit€-18k
Cash flow€-16k
Staff costs€6k
Income taxes-
Dividends-
Total assets€9k
Equity€-16k
Debt€25k
of which ≤ 1y€18k
of which > 1y€7k
Working capital€-16k
Employees (FTE)0.1
Ratios (computed)
2024
Current ratio0.11
Quick ratio0.11
Working capital ratio-186.2%
Solvency-187.6%
Debt / equity-1.53
Long-term debt ratio-0.42
Interest coverage-209.58
Gross margin-
Net margin-
ROA-210.8%
ROE112.4%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts (21 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€9k
Fixed assets 21/28€7k
Intangible fixed assets 21€4k
Tangible fixed assets 22/27€3k
Current assets 29/58€2k
Amounts receivable within one year 40/41€2k
Cash & bank 54/58€267
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€9k
Equity 10/15€-16k
Contributions / capital 10/11€2k
Accumulated profits (losses) 14€-18k
Amounts payable 17/49€25k
Amounts payable after one year 17€7k
Amounts payable within one year 42/48€18k
Trade debts payable within one year 44€507
Income statement
Gross operating margin 9900€-9k
Operating result 9901€-18k
Financial charges 65€78
Result before taxes 9903€-18k
Net result for the period 9904€-18k
Result to be appropriated 9905€-18k
Ratios computed by Checked.
Directors & mandates 1 directors
Current directors & mandates
  • LOVERDE Alfia
    Director
    State Gazette act 26107183 (21-08-2026)
    Current
    21-08-2026 → present
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Legal Structure
NACE primary Schoonheidsverzorging en andere schoonheidsbehandelingen(96220)
Legal form Private limited company(610)
Incorporation24-07-2023
StatusActive
Postal code1300
Establishment units 1 location
ART-ES
Chaussée de Louvain 43, 1300 WavreVerhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen
since 20232.348.550.043
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25112M0978/00V002 Wallonia 2,177 m² 1 · 212 m² 16.8 m · 5 fl.
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.
Updates 2 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
21-08-2026
State Gazette act General meeting · Director appointment
General meeting · Director appointment
2025
22-09-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
Belgian State Gazette reading coverage 1 of 2 acts read

Of the 2 Belgian State Gazette acts we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 11 days ago
2026
21-08-2026 Act object · General meeting · Officer appointment Open-capture extraction
  • Act object: NOMINATION ADMINISTRATEUR · ART-ES
  • Publication: 2026-08-21 · ART-ES
  • Filing: 2026-08-12 · ART-ES
  • General meeting: 2026-07-30 · ART-ES
  • Officer appointment: role: administrateur, start_date: 2026-08-12 · LOVERDE Alfia
Summary: Act object · General meeting · Officer appointment
Technical details 
{
  "facts": [
    {
      "type": "act_object",
      "quote": "Objet de l\u0027acte: NOMINATION ADMINISTRATEUR",
      "value": "NOMINATION ADMINISTRATEUR",
      "object": null,
      "subject": "e1"
    },
    {
      "date": "2026-08-21",
      "type": "publication",
      "quote": "Bijlagen bij het Belgisch Staatsblad - 21/08/2026 - Annexes du Moniteur belge",
      "value": "2026-08-21",
      "object": null,
      "subject": "e1"
    },
    {
      "date": "2026-08-12",
      "type": "filing",
      "quote": "12 AOUT 2026",
      "value": "2026-08-12",
      "object": null,
      "subject": "e1"
    },
    {
      "date": "2026-07-30",
      "type": "general_meeting",
      "quote": "Suite \u00E0 l\u0027assembl\u00E9e g\u00E9n\u00E9rale qui s\u0027est r\u00E9unie le 30 juillet 2026",
      "value": "2026-07-30",
      "object": null,
      "subject": "e1"
    },
    {
      "date": "2026-08-12",
      "type": "officer_appointment",
      "quote": "La nomination de Madame LOVERDE Alfia (NN 55.11.04-094.48); domicili\u00E9e Rue No\u00EBl 3/A \u00E0 1410 Waterloo \u00E0 la fonction d\u0027administrateur est accept\u00E9e \u00E0 l\u0027unanimit\u00E9. Cette nomination prendra effet ce jour.",
      "value": {
        "role": "administrateur",
        "start_date": "2026-08-12"
      },
      "object": "e1",
      "subject": "e2",
      "_value_raw": {
        "role": "administrateur",
        "term": null,
        "start_date": "2026-08-12"
      }
    }
  ],
  "act_meta": {
    "outcome": "corrected",
    "model_id": 53,
    "verified": true,
    "extractor": "verified-v1",
    "ocr_chars": 1094,
    "truncated": false
  },
  "entities": [
    {
      "id": "e1",
      "kbo": "0804.237.490",
      "kind": "company",
      "name": "ART-ES",
      "attrs": {
        "seat": "Chauss\u00E9e de Louvain 43, boite 1 \u00E0 1300 Wavre",
        "legal_form": "SRL"
      }
    },
    {
      "id": "e2",
      "kbo": null,
      "kind": "person",
      "name": "LOVERDE Alfia",
      "attrs": {
        "rrn": "55.11.04-094.48",
        "address": "Rue No\u00EBl 3/A \u00E0 1410 Waterloo"
      }
    },
    {
      "id": "e3",
      "kbo": null,
      "kind": "person",
      "name": "SPINA Ester Lucia",
      "attrs": {}
    }
  ]
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Schoonheidsverzorging96022Schoonheidsverzorging en andere schoonheidsbehandelingen96220
Primary activity highlighted.
Names & trade names
Legal nameFR ART-ES
Registered office
Chaussée de Louvain 43 bus 1
1300 Wavre, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Similar companies Same sector and region · no size comparison possible · 473 of 24,925 with filed accounts
CHERRY CARE BE 0805.636.369 · Wavre
Dermotech BE 1024.159.256 · Wavre
IKIGAI BE 0472.823.332 · Wavre
La Griffe Nailartist BE 1027.309.875 · Wavre
OFFIMER BE 0436.841.973 · Wavre
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative