A3BW Architecten
ActiveA3BW Architecten has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5k and a net result of €10k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 16% of 9384 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+100
Solvency10▼-45
Growth59▲+17
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.63 against 0.63 in 2024), and 89.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 9384 sector peers (2025).
NBB · sector comparisonPosition among 9384 sector peers
Solvency
better than 16%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
30 d early
2023
29 d early
2022
27 d early
2021
30 d early
2020
32 d early
2019
35 d early
← before the deadline
after the deadline →
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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€116k▼ 3.8%
2018 · €121k
2018: €121k
2018 → 2019
EBIT margin
-8.5%▲ 4.3pp
2018 · -12.7%
2018: -12.7%
2018 → 2019
Net result
€10k
2024 · €-18k
2018: €-17k
2019: €-12k
2020: €19k
2021: €17k
2022: €28k
2023: €11k
2024: €-18k
2018 → 2025
Working capital
€-17k▼ 53.8%
2024 · €-11k
2018: €5k
2019: €-12k
2020: €-47
2021: €-6k
2022: €24k
2023: €1k
2024: €-11k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€18k-€46k▲ 154%€39k▼ 14.6%€20k▼ 47.3%€5k▼ 73.7%
Operating result€24k-€43k▲ 78.1%€21k▼ 50.9%€-17k€14k
Net result€17k-€28k▲ 66.6%€11k▼ 60.2%€-18k€10k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €14k after a loss of €17k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €50k
Fixed assets
€22k▼ 29.8%
Current assets
€28k▲ 52.6%
Equity and liabilities €50k
Equity
€5k▼ 73.7%
Debt
€44k▲ 53.0%
The debt ratio rises from 58.6% to 89.2%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€24k▲
2024 · €-10k
Cash flow
€19k▲
2024 · €-12k
Solvency
10.8%▼
2024 · 41.4%
Current ratio
0.63▼
2024 · 0.63
Quick ratio
0.63▼
2024 · 0.63
Debt / equity
8.23▲
2024 · 1.41
ROE
182.2%▲
2024 · -89.8%
ROA
19.7%▲
2024 · -37.2%
Interest coverage
29.77▲
2024 · -9.77
Debt
€44k▲
2024 · €29k
Debt ≤ 1 year
€44k▲
2024 · €29k
Income taxes
€4k▲
2024 · €668
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€49k€50k▲
Fixed assets21/28€31k€22k▼
Tangible fixed assets22/27€31k€22k▼
Land and buildings22€23k€17k▼
Plant, machinery and equipment23€707€331▼
Furniture and vehicles24€8k€5k▼
Current assets29/58€18k€28k▲
Amounts receivable within one year40/41€10k€10k▲
Trade receivables40€9k€10k▲
Other amounts receivable41€837€0▼
Cash at bank and in hand54/58€8k€18k▲
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€49k€50k▲
Equity10/15€20k€5k▼
Contributions10/11€3k€3k=
Reserves13€36k€11k▼
Distributable reserves133€36k€11k▼
Profit (loss) carried forward14€-18k€-9k▲
Amounts payable17/49€29k€44k▲
Amounts payable within one year42/48€29k€44k▲
Trade debts44€1k€4k▲
Suppliers440/4€1k€4k▲
Taxes, remuneration and social security45€14k€17k▲
Taxes450/3€14k€13k▼
Remuneration and social security454/9-€4k
Other amounts payable47/48€14k€24k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€9k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€19k€0▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€9k€25k▲
Operating profit (loss)9901€-17k€14k▲
Financial income75/76B€0€9▲
Recurring financial income75€0€9▲
Financial charges65/66B€1k€797▼
Recurring financial charges65€1k€797▼
Profit (loss) for the period before taxes9903€-18k€14k▲
Income taxes67/77€668€4k▲
Profit (loss) for the period9904€-18k€10k▲
Profit (loss) for the period to be appropriated9905€-18k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-18k€-9k▲
Profit (loss) brought forward from the previous period14P-€-18k
Transfer from equity791/2€0€25k▲
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€0€25k▲
Return on contributions (dividend)694€0€25k▲
The notes to these accounts (6 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-18k ▼268%
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €28k ▲66.6%
Operating result €43k, net result €28k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 2.24
Current ratio from 0.73 to 2.24; short-term debt falls from €20k to €20k.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €19k
Net result €19k after 2 loss-making years.
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Antwerpen
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.
Van Schoonbekestraat 1142018 AntwerpenGround area
1,136 m²
Building footprint
223 m²
Volume, LiDAR
2,742 m³
Parcel 11810K1622/00R002, Flanders · tallest building 22.1 m, ±5 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11810K1622/00R002 | Flanders | 1,136 m² | 1 · 223 m² | 22.1 m · 5 fl. |
Linked by address, not proof of ownership
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.
Similar companies · same sector, comparable size
BLONDEAU ARCHITECTURE
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BE 1003.932.182
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ARCHITECTURAL DESIGN ASSOCIATES - Societe Multiprofessionnelle d'Architectes
BE 0477.495.960
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MORALES FINCH ARCHITECTES
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Of 18,208 companies in sector 71111 we hold annual accounts for 6,292. 2,374 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-02-2000
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
74201Photography, excluding press photography
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@a3bw-architecten.be