ACHÉ TERRA

Active

Private limited companyfounded 20215 yrs activeVoetbalstraat 63, 9050 Gent, BelgiumKBO/BCE: BE 0766.576.548

ACHÉ TERRA has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €27k and a net result of €26k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 36% of 9386 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).

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Checked score

Score 2025

86 / 100

Excellent▲ +10 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency74▲+62

Growth32=

Stability94

Bankruptcy probability, 12 months

0.5% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €3k at 30 days acceptable

Liquidity ample (current ratio 1.62 against 1.05 in 2024), but 61.5% of the assets are financed with debt.

How do we compute the score and the probability?

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

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 →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

38.5%

Return on assets

38%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-07-2026, 17 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

17 d early

2024

19 d late

2023

33 d early

2022

14 d late

2021

2 d early

← before the deadline after the deadline →

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 months

Position in the running window

16-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€27k▲ 8,075%

2024 · €328

2021: €53k 2022: €2k 2023: €-28k 2024: €328

2021 → 2025

Total assets

€70k▼ 25.4%

2024 · €93k

2021: €85k 2022: €67k 2023: €47k 2024: €93k

2021 → 2025

Net result

€26k▼ 6.1%

2024 · €28k

2021: €51k 2022: €-51k 2023: €-30k 2024: €28k

2021 → 2025

Working capital

€22k▲ 479%

2024 · €4k

2021: €18k 2022: €-23k 2023: €-42k 2024: €4k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€53k-€2k▼ 96.3%€-28k€328€27k▲ 8,075%

Operating result€62k-€-50k€-28k▲ 44.8%€18k€43k▲ 137%

Net result€51k-€-51k€-30k▲ 42.0%€28k€26k▼ 6.1%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

After the dip in 2022 the operating result has climbed three years in a row; 2025 is 137% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €70k

17.6%

82.4%

Fixed assets €12k▲ 67.7%

Current assets €57k▼ 33.3%

Equity and liabilities €70k

38.5%

61.5%

Equity €27k▲ 8,075%

Debt €43k▼ 54.0%

The debt ratio falls from 99.6% to 61.5%: equity grows while debt is paid down.

Key figures and ratios

2025 value · change against 2024

EBITDA

€43k▲

2024 · €25k

Cash flow

€27k▼

2024 · €35k

Solvency

38.5%▲

2024 · 0.4%

Current ratio

1.62▲

2024 · 1.05

Quick ratio

1.62▲

2024 · 1.05

Debt / equity

1.60

ROE

98.8%

ROA

38.0%▲

2024 · 30.2%

Interest coverage

14.58▼

2024 · 37.80

Debt

€43k▼

2024 · €93k

Debt ≤ 1 year

€35k▼

2024 · €82k

Debt > 1 year

€7k▼

2024 · €11k

Income taxes

€13k▲

2024 · €-10k

Staff costs

€0▼

2024 · €7k

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€93k€70k▼

Formation expenses20€0-

Fixed assets21/28€7k€12k▲

Intangible fixed assets21€860€424▼

Tangible fixed assets22/27€2k€2k▼

Plant, machinery and equipment23€2k€2k▼

Furniture and vehicles24€0-

Financial fixed assets28€4k€10k▲

Current assets29/58€86k€57k▼

Amounts receivable within one year40/41€85k€20k▼

Trade receivables40€69k€2k▼

Other amounts receivable41€16k€17k▲

Cash at bank and in hand54/58€1k€38k▲

Equity and liabilities

Total equity and liabilities10/49€93k€70k▼

Equity10/15€328€27k▲

Contributions10/11€2k€2k=

Reserves13-€25k

Distributable reserves133-€25k

Profit (loss) carried forward14€-2k€0▲

Amounts payable17/49€93k€43k▼

Amounts payable after more than one year17€11k€7k▼

Financial debts170/4€11k€7k▼

Amounts payable within one year42/48€82k€35k▼

Current portion of amounts payable after more than one year42€3k€3k▲

Financial debts43-€60

Credit institutions430/8-€60

Trade debts44€51k€4k▼

Suppliers440/4€51k€4k▼

Advances received on contracts in progress46-€7k

Taxes, remuneration and social security45€28k€21k▼

Taxes450/3€1k€19k▲

Remuneration and social security454/9€27k€2k▼

Income statement Code20242025

Remuneration, social security and pensions62€7k€0▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€710▼

Other operating charges640/8€1k€1k▲

Gross operating margin9900€33k€45k▲

Operating profit (loss)9901€18k€43k▲

Financial income75/76B€720€281▼

Recurring financial income75€720€281▼

Financial charges65/66B€657€3k▲

Recurring financial charges65€657€3k▲

Profit (loss) for the period before taxes9903€18k€40k▲

Income taxes67/77€-10k€13k▲

Profit (loss) for the period9904€28k€26k▼

Profit (loss) for the period to be appropriated9905€28k€26k▼

Appropriation of the result

Profit (loss) to be appropriated9906€-2k€25k▲

Profit (loss) brought forward from the previous period14P€-30k€-2k▲

Transfer to equity691/2-€25k

To other reserves6921-€25k

The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 8Financial 3Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

14-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

19-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 19 days late

2024

31-12

Financial Back to profitnet €28k

Net result €28k after 2 loss-making years.

31-12

Financial Liquidity doublescurrent ratio 1.05

Current ratio from 0.44 to 1.05.

28-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

14-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 14 days late

2022

31-12

Financial Weakest financial yearnet €-51k ▼200%

Net result drops to €-51k, the lowest in the series; recovery starts the following year.

29-07

NBB filing Annual accounts filed

fiscal year 2021 · micro 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, Gent · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Voetbalstraat 639050 Gent

Ground area

156 m²

Building footprint

67 m²

Volume, LiDAR

438 m³

Parcel 44362B0174/00G000, Flanders · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

ACHÉ TERRA

Voetbalstraat 63, 9050 GentActivities of building architects

since 20212.316.554.295

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
44362B0174/00G000	Flanders	156 m²	1 · 67 m²	10.2 m · 3 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

ProVor

BE 0757.832.987

Heist-op-den-Berg · Eq €27k

RAC architects

BE 0721.594.381

Gent · Eq €27k

Jan De Bie - architects

MAXIME WOUTERS ARCHITECTE

BE 1019.687.556

Blégny · Eq €27k

Of 18,213 companies in sector 71111 we hold annual accounts for 6,294. 4,801 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded09-04-2021

Fiscal year end31-12

Activities, NACEBEL

71111Activities of building architects

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.

Contact details

2 entries

Website:www.acheterra.com

Enterprise

E-mail:contact@acheterra.com

Enterprise