A3R - Architectes associés
InactiveNo longer registered with the KBO since 27-07-2026; last annual accounts for fiscal year 2024.
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 11615 sector peers (2024).
NBB · sector comparisonPosition among 11615 sector peers
Solvency
better than 9%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 13-08-2025, 13 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
13 d late
2023
29 d late
2022
29 d late
2021
73 d late
2020
31 d late
2019
110 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€-14k▲ 53.0%
2023 · €-30k
2018: €-12k
2019: €-21k
2020: €-34k
2021: €-33k
2022: €-28k
2023: €-30k
2018 → 2024
Total assets
€202k▲ 6.6%
2023 · €189k
2018: €159k
2019: €150k
2020: €133k
2021: €162k
2022: €170k
2023: €189k
2018 → 2024
Net result
€16k
2023 · €-2k
2018: €10k
2019: €-9k
2020: €-13k
2021: €190
2022: €6k
2023: €-2k
2018 → 2024
Working capital
€-35k▲ 32.1%
2023 · €-51k
2018: €11k
2019: €-8k
2020: €-23k
2021: €-58k
2022: €-51k
2023: €-51k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-34k-€-33k▲ 0.6%€-28k▲ 17.2%€-30k▼ 7.4%€-14k▲ 53.0%
Operating result€-9k-€5k€9k▲ 93.0%€2k▼ 83.7%€20k▲ 1,190%
Net result€-13k-€190€6k▲ 2,931%€-2k€16k
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 2024; 2024 is 1,190% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €202k
Fixed assets
€69k▼ 18.3%
Current assets
€133k▲ 26.6%
Key figures and ratios
EBITDA
€35k▲
2023 · €17k
Cash flow
€31k▲
2023 · €14k
Solvency
-6.9%▲
2023 · -15.7%
Current ratio
0.79▲
2023 · 0.67
Quick ratio
0.79▲
2023 · 0.67
Debt / equity
-15.43▼
2023 · -7.37
ROA
7.8%▲
2023 · -1.1%
Interest coverage
9.15▲
2023 · 4.78
Debt
€216k▼
2023 · €219k
Debt ≤ 1 year
€168k▲
2023 · €156k
Debt > 1 year
€48k▼
2023 · €63k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€189k€202k▲
Fixed assets21/28€85k€69k▼
Tangible fixed assets22/27€85k€69k▼
Land and buildings22€53k€41k▼
Furniture and vehicles24€993€907▼
Other tangible fixed assets26€30k€28k▼
Current assets29/58€105k€133k▲
Amounts receivable within one year40/41€103k€131k▲
Trade receivables40€102k€130k▲
Other amounts receivable41€851€638▼
Cash at bank and in hand54/58€1k€946▼
Deferred charges and accrued income490/1€492€492=
Equity and liabilities
Total equity and liabilities10/49€189k€202k▲
Equity10/15€-30k€-14k▲
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Other1109/19€6k€6k=
Reserves13€551€551=
Non-distributable reserves130/1€551€551=
Legal reserve130€551€551=
Profit (loss) carried forward14€-36k€-21k▲
Amounts payable17/49€219k€216k▼
Amounts payable after more than one year17€63k€48k▼
Financial debts170/4€63k€48k▼
Amounts payable within one year42/48€156k€168k▲
Current portion of amounts payable after more than one year42€13k€14k▲
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€369€251▼
Taxes450/3€369€251▼
Other amounts payable47/48€139k€150k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€15k▼
Other operating charges640/8€384-
Gross operating margin9900€17k€35k▲
Operating profit (loss)9901€2k€20k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€4k€4k▲
Recurring financial charges65€4k€4k▲
Profit (loss) for the period before taxes9903€-2k€16k▲
Profit (loss) for the period9904€-2k€16k▲
Profit (loss) for the period to be appropriated9905€-2k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-36k€-21k▲
Profit (loss) brought forward from the previous period14P€-34k€-36k▼
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
2026
04-08
State Gazette act
Resignations & appointments · Restructuring · End & cessationGeneral meeting · Merger · Dissolution9 facts ▸
State Gazette act
Resignations & appointments · Restructuring · End & cessation
General meeting · Merger · Dissolution9 facts ▸
- General meeting, 06/07/2026
- Merger, 06/07/2026
- Dissolution, 2026-07-06
- Accounting effect, 01/12/2025
- Share issue, 26, contre-valeur de l'apport en nature dans le cadre de la fusion
- Real estate, 42% en pleine propriété d'une maison d'habitation, Rue des Fougères 21, Namur (Jambes), section D, numéro 366/R/4, contenance 8a 56ca
- Power of attorney, Soheila MOSHAR
- Director discharge
- Contribution in kind, -41.189,85 EUR
2025
13-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 13 days late
2024
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
12-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 73 days late
2021
31-12
Financial
Back to profitnet €190
Net result €190 after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-13k
Net result drops to €-13k, the lowest in the series.
18-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 110 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
2015
27-08
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 27 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Namur
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.
Passage de l'Atelier(JB) --5100 NamurGround area
7,998 m²
Building footprint
224 m²
Parcel 92067A0134/00P000, Wallonia. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92067A0134/00P000 | Wallonia | 7,998 m² | 1 · 224 m² | - |
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.
Structure & network
Acquisitions and mergers
1 transactionTaken over by:MOBINE
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We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. Of 18,256 companies in sector 71111 we hold annual accounts for 6,321.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-06-2012
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.