Checked.be
Active
BE 0407.194.122Public limited company
ART - IMO
Avenue Provinciale 85 ·1341 Ottignies-Louvain-la-Neuve, Belgium· 56 yrs active
Sector: Bemiddeling in verband met exploitatie van en handel in onroerend goed
(68310)
Conclusion
The computed 12-month bankruptcy probability of ART - IMO is 0.1% (very low). The 2025 annual accounts show equity of €8.06M and a net result of €324k. Equity is growing by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 73% of 207 sector peers (fiscal year 2025). The company has been active since 1970 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 8 annual accounts.
Key figures
| Equity | €8.06M |
| Net result | €324k |
| Better than sector | 73% |
| Active | 56 yrs |
Financial profile
70
/ 100
Strong profile, led by solvency.
All 5 axes are computed from data Checked has read.
Health
89
Profitability
20
Solvency
100
Growth
41
Stability
100
Bankruptcy probability (12 mo)
0.1%
Very low
0%0,5%1,5%4%10%≥25%
Long track record
−Lower-failure-rate sector
−Annual accounts: healthy financial profile
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 1970, 56 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
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
89
/ 100
Excellent
Computed from 5 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 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 17-06-2026 with the NBB · fiscal year 2025 · volledig
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~4.3%/year over 8 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 68, Real estate activities · compared within the same schema type (full schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 63.5% | 31.0% | |
| Net result | €324k | €7k | |
| Equity | €8.06M | €503k | |
| Gross operating margin | €435k | €78k | |
| Total assets | €12.68M | €2.41M |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€725k
+57.8%
18-25
€414k
+28.7%
18-25
€324k
+1475.3%
18-25
€492k
+191.6%
18-25
€12.68M
+9.2%
18-25
€8.06M
+17.4%
18-25
€7.94M
+11.6%
18-25
0
-
18-25
Show 14 other metrics
€50k
+2459.6%
18-25
€300k
-
18-25
€3.87M
-2.4%
18-25
€1.52M
+13.4%
18-25
€2.30M
-10.6%
18-25
6.21
-1.4%
18-25
1.91
+43.2%
18-25
63.5%
+7.4%
18-25
0.48
-16.8%
18-25
4.0%
+1242.3%
18-25
2.6%
+1341.9%
18-25
-17.5%
-
18-25
46.9%
-39.1%
18-25
2.41
+31.1%
18-25
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Deposit | volledig |
| Revenue | - |
| EBITDA | €414k |
| Net profit | €324k |
| Cash flow | €492k |
| Staff costs | - |
| Income taxes | €50k |
| Dividends | - |
| Total assets | €12.68M |
| Equity | €8.06M |
| Debt | €3.87M |
| of which ≤ 1y | €1.52M |
| of which > 1y | €2.30M |
| Working capital | €7.94M |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 6.21 |
| Quick ratio | 1.91 |
| Working capital ratio | 62.6% |
| Solvency | 63.5% |
| Debt / equity | 0.48 |
| Long-term debt ratio | 0.28 |
| Interest coverage | 2.41 |
| Gross margin | - |
| Net margin | - |
| ROA | 2.6% |
| ROE | 4.0% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts (27 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €12.68M |
| Fixed assets | 21/28 | €3.21M |
| Tangible fixed assets | 22/27 | €3.21M |
| Financial fixed assets | 28 | €250 |
| Current assets | 29/58 | €9.47M |
| Stocks & contracts in progress | 3 | €6.55M |
| Amounts receivable within one year | 40/41 | €2.31M |
| Investments | 50/53 | €529k |
| Cash & bank | 54/58 | €47k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €12.68M |
| Equity | 10/15 | €8.06M |
| Contributions / capital | 10/11 | €191k |
| Reserves | 13 | €6.46M |
| Accumulated profits (losses) | 14 | €1.26M |
| Provisions & deferred taxes | 16 | €756k |
| Amounts payable | 17/49 | €3.87M |
| Amounts payable after one year | 17 | €2.30M |
| Amounts payable within one year | 42/48 | €1.52M |
| Trade debts payable within one year | 44 | €39k |
| Income statement | ||
| Gross operating margin | 9900 | €435k |
| Operating result | 9901 | €245k |
| Financial income | 75 | €90k |
| Financial charges | 65 | €171k |
| Result before taxes | 9903 | €374k |
| Income taxes | 67/77 | €50k |
| Net result for the period | 9904 | €324k |
| Result to be appropriated | 9905 | €324k |
This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan.
See plans →
Ratios computed by Checked.
Directors & mandates
Current directors & mandates
-
CLERINVESTDirectorState Gazette act 25104303 (18-08-2025)Current02-02-2024 → present
3 events
- 18-08-2025 Appointed· Director
- 02-02-2024 Appointed· Director
- 02-02-2024 Appointed· Managing director
-
Arnaud MelinManaging directorState Gazette act 22087059 (19-07-2022)Current09-12-2019 → present
3 events
- 02-02-2024 Resigned· Director
- 19-07-2022 Appointed· Managing director
- 09-12-2019 Appointed· Director
-
MELIN Pierre-MarieDirectorState Gazette act 25104303 (18-08-2025)Current09-12-2019 → present
5 events
- 18-08-2025 Appointed· Director
- 02-02-2024 Appointed· Director
- 02-02-2024 Appointed· Managing director
- 19-07-2022 Appointed· Managing director
- 09-12-2019 Appointed· Director
-
MELIN ThomasDirectorState Gazette act 24351777 (02-02-2024)Current09-12-2019 → present
4 events
- 02-02-2024 Appointed· Director
- 02-02-2024 Appointed· Managing director
- 19-07-2022 Appointed· Managing director
- 09-12-2019 Appointed· Director
-
Caroline HeeringDirectorState Gazette act 22087059 (19-07-2022)Current14-07-2016 → present
4 events
- 02-02-2024 Resigned· Director
- 19-07-2022 Appointed· Director
- 09-12-2019 Appointed· Director
- 14-07-2016 Appointed· Director
Historic, not recently confirmed (2)
These mandates remain open in the register but have not been confirmed by a new act in over six years. They do not count as active directors.
-
AUDICIAAuditorState Gazette act 20081934 (17-07-2020)Not recently confirmedlast confirmed in an act from 2020
-
Philippe BeriotAuditorState Gazette act 20081934 (17-07-2020)Not recently confirmedlast confirmed in an act from 2020
2 events
- 17-07-2020 Appointed· Auditor
- 22-10-2014 Appointed· Auditor
Permanent representatives (2)
These people represent a legal-person director (a management company, for instance). They hold no board mandate of their own and do not count as directors.
-
MELIN ThomasReprésentant permanent de clerinvestState Gazette act 25104303 (18-08-2025)Permanent representative18-08-2025 → present
-
Philippe BériotRéprésentant permanentState Gazette act 17104139 (18-07-2017)Permanent representative18-07-2017 → present
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Statutory auditor
| Statutory auditor | IRE/IBR number | Tenure |
|---|---|---|
| SCPRL AUDICIA Commissaire |
- | 18-07-2017 → 18-07-2017 |
Appointed statutory auditor from the Belgian State Gazette. The IRE/IBR number refers to the register of the Institute of Registered Auditors.
Legal Structure
| NACE primary | Bemiddeling in verband met exploitatie van en handel in onroerend goed(68310) |
| Legal form | Public limited company(014) |
| Incorporation | 30-06-1970 |
| Status | Active |
| Postal code | 1341 |
Establishment units
ART-IMO
since 19702.004.545.976
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint
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. |
|---|---|---|---|---|
| 25016A0155/00A006 | Wallonia | 655 m² | 1 · 55 m² | 10.7 m · 3 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
2026
17-06-2026
NBB filing
Annual accounts filed
2025
18-08-2025
State Gazette act
Director changes
28-05-2025
NBB filing
Annual accounts filed
2024
05-06-2024
NBB filing
Annual accounts filed
02-02-2024
State Gazette act
Director changes
2023
27-06-2023
NBB filing
Annual accounts filed
2022
19-07-2022
State Gazette act
Director changes
27-06-2022
NBB filing
Annual accounts filed
2021
27-06-2021
NBB filing
Annual accounts filed
2020
17-07-2020
State Gazette act
Director changes
01-07-2020
NBB filing
Annual accounts filed
2019
09-12-2019
State Gazette act
Director changes
05-06-2019
NBB filing
Annual accounts filed
2018
31-05-2018
NBB filing
Annual accounts filed
2017
18-07-2017
State Gazette act
Director changes
09-06-2017
NBB filing
Annual accounts filed
2016
14-07-2016
State Gazette act
Director changes
2014
22-10-2014
State Gazette act
Director changes
Belgian State Gazette reading coverage
We know of 16 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Belgisch Staatsblad, acts
All acts · 8
updated 1 year ago
2025
18-08-2025 3 directors appointed
- MELIN Pierre-Marie, Bestuurder
- CLERINVEST, Bestuurder
- MELIN Thomas, Représentant permanent de clerinvest
Summary:
v3.2
Technical details
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02-02-2024 6 directors appointed, 2 resigning
- MELIN Pierre-Marie, Bestuurder
- MELIN Thomas, Bestuurder
- CLERINVEST, Bestuurder
- MELIN Pierre-Marie, Gedelegeerd bestuurder
- MELIN Thomas, Gedelegeerd bestuurder
- CLERINVEST, Gedelegeerd bestuurder
- MELIN Arnaud, Bestuurder
- HEERING Caroline, Bestuurder
Summary:
v3.2
Technical details
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}2022
19-07-2022 4 directors appointed
- Pierre-Marie Melin, Gedelegeerd bestuurder
- Arnaud Melin, Gedelegeerd bestuurder
- Thomas Melin, Gedelegeerd bestuurder
- Caroline Heering, Bestuurder
Summary:
v3.2
Technical details
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}2020
17-07-2020 2 directors appointed
- AUDICIA, Auditor
- Philippe Beriot, Auditor
Summary:
v3.2
Technical details
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09-12-2019 4 directors appointed
- MELIN Pierre-Marie, Bestuurder
- MELIN Arnaud, Bestuurder
- MELIN Thomas, Bestuurder
- HEERING Caroline, Bestuurder
Summary:
v3.2
Technical details
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}2017
18-07-2017 2 directors appointed
- SCPRL AUDICIA, Commissaire
- Philippe Bériot, Réprésentant permanent
Summary:
v3.2
Technical details
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}2016
14-07-2016 Caroline Heering appointed as director
- Caroline Heering, Bestuurder
Summary:
v3.2
Technical details
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}2014
22-10-2014 Philippe Beriot appointed as auditor
- Philippe Beriot, Auditor
Summary:
v3.2
Technical details
{
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"role": "auditor",
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"kbo": "0407.194.122",
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}
}Credit advice
Company registry (CBE)
Activities
Bemiddeling in verband met exploitatie van en handel in onroerend goed68310Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis68311Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed70311Detailhandel in antiquiteiten in winkels47791Detailhandel in antiquiteiten47791Detailhandel in antiquiteiten52501
Primary activity highlighted.
Names & trade names
| Legal nameFR | ART - IMO |
| AbbreviationFR | ART - IMO |
Registered office
Avenue Provinciale 85
1341 Ottignies-Louvain-la-Neuve, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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