ART TOITURE
ActiveSummary
ART TOITURE has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33k and a net result of €8k. Equity is shrinking by ~5.6% per year across the filed fiscal years. Its solvency ranks better than 19% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+10
Solvency41▲+6
Growth32=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.63 against 0.6 in 2024; short-term debt: 46.1% and cash: 16.9% of total assets), and 83.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 27786 sector peers (2025).
NBB · sector comparisonPosition among 27786 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-01-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
45 d early
2023
51 d early
2022
5 d late
2021
76 d early
2020
3 d early
2019
39 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 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 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€495k
EBIT margin
3.5%
Net result
€8k
2024 · €-2k
2019: €13k
2020: €10k
2021: €17k
2022: €12k
2023: €-35k
2024: €-2k
2019 → 2025
Working capital
€-35k▲ 37.6%
2024 · €-57k
2019: €34k
2020: €29k
2021: €42k
2022: €49k
2023: €2k
2024: €-57k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€495k
Equity€62k-€74k▲ 20.1%€39k▼ 47.8%€26k▼ 33.8%€33k▲ 29.7%
Operating result€22k-€17k▼ 20.1%€-38k€2k€15k▲ 521%
Net result€17k-€12k▼ 28.8%€-35k€-2k▲ 94.2%€8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 521% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €206k
Fixed assets
€147k ▼ 18.6%
Current assets
€60k ▼ 29.6%
Equity and liabilities €206k
Equity
€33k ▲ 29.7%
Debt
€173k ▼ 27.7%
Debt's share of the balance-sheet total falls from 90.3% to 83.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€57k▲
2024 · €22k
Cash flow
€49k▲
2024 · €18k
Current ratio
0.63▲
2024 · 0.60
Quick ratio
0.59▲
2024 · 0.51
Debt to equity
5.21▼
2024 · 9.35
ROE
22.9%▲
2024 · -8.0%
ROA
3.7%▲
2024 · -0.8%
Interest coverage
7.76▲
2024 · 5.39
Debt ≤ 1 year
€95k▼
2024 · €142k
Debt > 1 year
€78k▼
2024 · €98k
Income taxes
€347▼
2024 · €498
Staff costs
€163k▲
2024 · €148k
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 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€265k€206k▼
Fixed assets21/28€180k€147k▼
Tangible fixed assets22/27€180k€146k▼
Land and buildings22€31k€27k▼
Plant, machinery and equipment23€5k€9k▲
Furniture and vehicles24€133k€103k▼
Leasing and similar rights25€10k€8k▼
Financial fixed assets28€446€446=
Current assets29/58€85k€60k▼
Stocks and contracts in progress3€13k€3k▼
Stocks30/36€13k€3k▼
Amounts receivable within one year40/41€28k€11k▼
Trade receivables40€23k€10k▼
Other amounts receivable41€5k€852▼
Cash at bank and in hand54/58€38k€35k▼
Deferred charges and accrued income490/1€6k€11k▲
Equity and liabilities
Total equity and liabilities10/49€265k€206k▼
Equity10/15€26k€33k▲
Contributions10/11€8k€8k=
Reserves13€17k€17k=
Tax-exempt reserves132€15k€15k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€1k€9k▲
Amounts payable17/49€240k€173k▼
Amounts payable after more than one year17€98k€78k▼
Financial debts170/4€98k€78k▼
Amounts payable within one year42/48€142k€95k▼
Current portion of amounts payable after more than one year42€19k€20k▲
Financial debts43€25k€25k=
Credit institutions430/8€25k€25k=
Trade debts44€83k€26k▼
Suppliers440/4€83k€26k▼
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€14k€20k▲
Taxes450/3€7k€2k▼
Remuneration and social security454/9€8k€18k▲
Other amounts payable47/48€245€5k▲
Income statement
Code20242025
Remuneration, social security and pensions62€148k€163k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€42k▲
Other operating charges640/8€7k€2k▼
Non-recurring operating charges66A€2k€0▼
Gross operating margin9900€180k€222k▲
Operating profit (loss)9901€2k€15k▲
Financial income75/76B€132€0▼
Recurring financial income75€132€0▼
Financial charges65/66B€4k€7k▲
Recurring financial charges65€4k€7k▲
Profit (loss) for the period before taxes9903€-2k€8k▲
Income taxes67/77€498€347▼
Profit (loss) for the period9904€-2k€8k▲
Profit (loss) for the period to be appropriated9905€-2k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1k€9k▲
Profit (loss) brought forward from the previous period14P€3k€1k▼
The notes to these accounts (9 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
27-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €8k
Net result €8k after 2 loss-making years.
2024
17-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
11-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Weakest financial yearnet €-35k ▼386%
Net result drops to €-35k, the lowest in the series; recovery starts the following year.
05-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 5 days late
2021
16-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Highest result since 2019net €17k ▲79.8%
Operating result €22k, net result €17k, both a record.
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
23-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
04-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
24-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
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, Geer · 1 establishment unit since 1996
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.
Rue de Celles(HOL) 154250 GeerGround area
75 m²
Parcel 64036B0252/00B002, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue de Celles(HOL) 15/1, 4250 Geer
since 19962.075.494.944
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64036B0252/00B002indicative | Wallonia | 75 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 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
BNB DAKWERKEN
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BE 0798.550.025
Gent · Eq €33,242
MODERN ROOFING
BE 1023.383.355
Dilbeek · Eq €33,172
FAES PROJECTS
BE 0465.985.030
Mol · Eq €33,303
Boechoutse Dakwerken
BE 0756.808.351
Boechout · Eq €33,309
Of 8,561 companies in sector 43410 we hold annual accounts for 4,357. 3,467 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
Founded08-02-1996
Fiscal year end30-06
Activities, NACEBEL 2025
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.