Summary
ARTHEMIS HOLDING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €430k and a net result of €-21k. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 28% of 5527 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 8 filingsDeviation from the deadline
2025
12 d late
2024
292 d late
2023
657 d late
2022
1023 d late
2021
240 d late
2020
194 d late
2019
143 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, abbreviated schema
Equity
€430k▼ 4.6%
2024 · €451k
2018: €504k
2019: €505k
2020: €478k
2021: €461k
2022: €462k
2023: €461k
2024: €451k
2018 → 2025
Net result
€-21k▼ 91.3%
2024 · €-11k
2018: €4k
2019: €1k
2020: €-27k
2021: €-17k
2022: €1k
2023: €-688
2024: €-11k
2018 → 2025
Total assets
€1.59M▼ 1.1%
2024 · €1.60M
2018: €2.02M
2019: €1.99M
2020: €1.65M
2021: €1.59M
2022: €1.59M
2023: €1.60M
2024: €1.60M
2018 → 2025
Solvency
27.1%▼ 1.0pp
2024 · 28.1%
2018: 25.0%
2019: 25.3%
2020: 28.9%
2021: 29.0%
2022: 29.1%
2023: 28.8%
2024: 28.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€461k-€462k▲ 0.3%€461k▼ 0.1%€451k▼ 2.3%€430k▼ 4.6%
Operating result€-13k-€10k€8k▼ 23.9%€-3k€-13k▼ 399%
Net result€-17k-€1k€-688€-11k▼ 1,458%€-21k▼ 91.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €13k in 2025 against €3k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.59M
Fixed assets
€1.52M =
Current assets
€67k ▼ 20.4%
Equity and liabilities €1.59M
Equity
€430k ▼ 4.6%
Debt
€1.16M ▲ 0.3%
Debt's share of the balance-sheet total rises from 71.9% to 72.9%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-4.8%▼
2024 · -2.4%
ROA
-1.3%▼
2024 · -0.7%
Debt ≤ 1 year
€369k▲
2024 · €365k
Debt > 1 year
€786k=
2024 · €786k
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 · 36 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.60M€1.59M▼
Fixed assets21/28€1.52M€1.52M=
Financial fixed assets28€1.52M€1.52M=
Current assets29/58€84k€67k▼
Amounts receivable within one year40/41€81k€66k▼
Trade receivables40€78k€58k▼
Other amounts receivable41€3k€8k▲
Cash at bank and in hand54/58€3k€501▼
Equity and liabilities
Total equity and liabilities10/49€1.60M€1.59M▼
Equity10/15€451k€430k▼
Contributions10/11€500k€500k=
Reserves13€258€258=
Non-distributable reserves130/1€258€258=
Reserves not available under the articles1311€258€258=
Profit (loss) carried forward14€-50k€-70k▼
Amounts payable17/49€1.15M€1.16M▲
Amounts payable after more than one year17€786k€786k=
Financial debts170/4€786k€786k=
Amounts payable within one year42/48€365k€369k▲
Current portion of amounts payable after more than one year42€114k€75k▼
Trade debts44€33k€18k▼
Suppliers440/4€33k€18k▼
Other amounts payable47/48€219k€276k▲
Accrued charges and deferred income492/3€3k€3k=
Income statement
Code20242025
Other operating charges640/8€251€250▼
Gross operating margin9900€-2k€-13k▼
Operating profit (loss)9901€-3k€-13k▼
Financial income75/76B€125-
Recurring financial income75€125-
Financial charges65/66B€8k€7k▼
Recurring financial charges65€8k€7k▼
Profit (loss) for the period before taxes9903€-11k€-21k▼
Profit (loss) for the period9904€-11k€-21k▼
Profit (loss) for the period to be appropriated9905€-11k€-21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-50k€-70k▼
Profit (loss) brought forward from the previous period14P€-39k€-50k▼
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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 12 days late
28-07
State Gazette act
Resignation: De Monie Jean François (chair of the board)Appointments: Chic O'Ray BV (managing director) and Thecreators BV (director) · Permanent representatives: Brysse Piet, Hisham Shehata and Jan Van den Berghen · Registered-office move10 facts ▸
State Gazette act
Resignation: De Monie Jean François (chair of the board)
Appointments: Chic O'Ray BV (managing director) and Thecreators BV (director) · Permanent representatives: Brysse Piet, Hisham Shehata and Jan Van den Berghen · Registered-office move10 facts ▸
- General meeting, 17/07/2026
- Director resignation, De Monie Jean François (chair of the board)
- Director appointment, Chic O'Ray BV (managing director)
- Director appointment, Chic O'Ray BV (chair of the board)
- Permanent representative, Brysse Piet
- Director appointment, Thecreators BV (director)
- Permanent representative, Hisham Shehata
- Registered-office move, Westkapèllestraat 419, 8300 Knokke
- Power of attorney, VAN DEN BERGHEN & DE ROO, ACCOUNTANTS EN FISCALE JURISTEN BV
- Permanent representative, Jan Van den Berghen
19-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 292 days late
19-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 657 days late
19-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 1023 days late
2023
28-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 240 days late
2022
31-12
Financial
Back to profitnet €1k
Net result €1k after 2 loss-making years.
10-02
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 194 days late
2020
31-12
Financial
Weakest financial yearnet €-27k ▼2076%
Net result drops to €-27k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 1.38
Current ratio from 0.67 to 1.38.
21-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 143 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 31 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2026
Chic O'Ray BV
CurrentManaging director · since 08-07-2026 · Legal entity · perm. rep.: Brysse Piet
Thecreators BV
CurrentDirector · since 08-07-2026 · Legal entity · perm. rep.: Hisham Shehata
08-07-2026
Chic O'Ray BV: Appointed as Managing director
08-07-2026
Chic O'Ray BV: Appointed as Chair of the board
08-07-2026
Thecreators BV: Appointed as Director
08-07-2026
De Monie Jean François: Resigned as Chair of the board
Location & real-estate footprint
Registered office, Knokke-Heist · 1 establishment unit since 2017
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.
Westkapellestraat 4198300 Knokke-HeistGround area
957 m²
Building footprint
581 m²
Volume, LiDAR
3,751 m³
2 parcels, Flanders · tallest building 17.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ARTHEMIS HOLDING
since 20172.269.507.218
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31039F0045/00F000 | Flanders | 552 m² | 1 · 257 m² | 4.5 m · 1 fl. |
| 37011C0052/00P000 | Flanders | 406 m² | 1 · 325 m² | 17.2 m · 3 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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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,714 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 formPublic limited company
Founded24-10-2017
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.