3A-Architectes
Active3A-Architectes has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €142k and a net result of €22k. Equity is growing by ~34.4% per year across the filed fiscal years. Its solvency ranks better than 54% of 9380 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+57
Solvency95▼-4
Growth52=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 1.86 against 2.71 in 2024), and 41.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← 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
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
58.7%
Return on assets
9.2%
Age of the figures
14 mo
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 30-12-2025, 32 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
32 d early
2024
32 d early
2023
29 d early
2022
32 d early
2021
on the day
2020
31 d early
2019
18 d early
← before the deadline
after the deadline →
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 close13-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€142k▲ 18.6%
2024 · €119k
2019: €-27k
2020: €-5k
2021: €4k
2022: €85k
2023: €114k
2024: €119k
2019 → 2025
Total assets
€241k▲ 23.8%
2024 · €195k
2019: €77k
2020: €101k
2021: €79k
2022: €161k
2023: €220k
2024: €195k
2019 → 2025
Net result
€22k▲ 341%
2024 · €5k
2019: €23k
2020: €22k
2021: €9k
2022: €81k
2023: €29k
2024: €5k
2019 → 2025
Working capital
€74k▼ 37.6%
2024 · €118k
2019: €-35k
2020: €17k
2021: €9k
2022: €69k
2023: €114k
2024: €118k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4k-€85k▲ 2,018%€114k▲ 34.4%€119k▲ 4.4%€142k▲ 18.6%
Operating result€14k-€110k▲ 686%€42k▼ 61.8%€10k▼ 76.2%€34k▲ 239%
Net result€9k-€81k▲ 845%€29k▼ 63.9%€5k▼ 82.8%€22k▲ 341%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 239% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €241k
Fixed assets
€82k▲ 940%
Current assets
€159k▼ 14.8%
Equity and liabilities €241k
Equity
€142k▲ 18.6%
Debt
€100k▲ 32.1%
The debt ratio rises from 38.7% to 41.3%: debt grows faster than equity.
Key figures and ratios
EBITDA
€38k▲
2024 · €14k
Cash flow
€27k▲
2024 · €9k
Solvency
58.7%▼
2024 · 61.3%
Current ratio
1.86▼
2024 · 2.71
Quick ratio
1.86▼
2024 · 2.71
Debt / equity
0.70▲
2024 · 0.63
ROE
15.7%▲
2024 · 4.2%
ROA
9.2%▲
2024 · 2.6%
Interest coverage
33.86▲
2024 · 7.17
Debt
€100k▲
2024 · €75k
Debt ≤ 1 year
€86k▲
2024 · €69k
Income taxes
€10k▲
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€195k€241k▲
Fixed assets21/28€8k€82k▲
Tangible fixed assets22/27€5k€79k▲
Furniture and vehicles24€5k€79k▲
Financial fixed assets28€3k€3k=
Current assets29/58€187k€159k▼
Amounts receivable after more than one year29€100k€100k=
Other amounts receivable291€100k€100k=
Amounts receivable within one year40/41€87k€59k▼
Trade receivables40€64k€59k▼
Other amounts receivable41€24k€460▼
Equity and liabilities
Total equity and liabilities10/49€195k€241k▲
Equity10/15€119k€142k▲
Contributions10/11€19k€19k=
Reserves13€100k€123k▲
Distributable reserves133€100k€123k▲
Profit (loss) carried forward14€861€73▼
Amounts payable17/49€75k€100k▲
Amounts payable within one year42/48€69k€86k▲
Financial debts43€4k€5k▲
Credit institutions430/8€4k€5k▲
Trade debts44€13k€14k▲
Suppliers440/4€13k€14k▲
Taxes, remuneration and social security45€52k€33k▼
Taxes450/3€52k€33k▼
Other amounts payable47/48-€33k
Accrued charges and deferred income492/3€7k€14k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€-7k-
Other operating charges640/8€5k€918▼
Non-recurring operating charges66A€49k-
Gross operating margin9900€60k€39k▼
Operating profit (loss)9901€10k€34k▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€8k€33k▲
Transfer from deferred taxes780€758-
Income taxes67/77€4k€10k▲
Profit (loss) for the period9904€5k€22k▲
Transfer from tax-exempt reserves789€3k-
Profit (loss) for the period to be appropriated9905€8k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€23k▲
Profit (loss) brought forward from the previous period14P€788€861▲
Transfer to equity691/2€8k€23k▲
To other reserves6921€8k€23k▲
The notes to these accounts (8 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
2025
30-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
30-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Weakest financial yearnet €5k ▼82.8%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
02-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Equity above €100kEq €114k ▲34.4%
5 profitable years in a row build equity to €114k.
2022
30-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Highest result since 2019net €81k ▲845%
Operating result €110k, net result €81k, both a record.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
31-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
13-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
01-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
26-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-01
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
2 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, Brussel · 2 establishment units since 2012
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.
de Wautierstraat 411020 BrusselGround area
1,702 m²
Building footprint
211 m²
Volume, LiDAR
2,371 m³
2 parcels, Brussels · tallest building 15.0 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Joseph Wautersstraat 19, 1030 Schaarbeek
since 20122.212.773.403
de Wautierstraat 41, 1020 Brussel
since 20262.387.301.048
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21815D0222/00Z014 | Brussels | 1,185 m² | 1 · 211 m² | 15.0 m · 4 fl. |
| 21903B0196/00B004 | Brussels | 517 m² | - | - |
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.
Similar companies · same sector, comparable size
BREKER
BE 1006.509.018
Liedekerke · Eq €142k
LOUIS DE CLERCQ
BE 0785.695.248
Zwalm · Eq €142k
SAMATIX
BE 0881.731.186
Schilde · Eq €142k
TRIANGLE ARCHITECTES
BE 0439.177.891
Liège · Eq €142k
RV Concept
BE 0760.983.608
Oudenaarde · Eq €142k
Of 18,208 companies in sector 71111 we hold annual accounts for 6,291. 5,338 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded14-09-2012
Fiscal year end30-06
Activities, NACEBEL
71111Activities of building architects
71112Activities of interior architects
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.