Checked.be
Active
BE 0810.365.120Public limited company
AGILE ARCHITECTS
Veldkant 33 A ·2550 Kontich, Belgium· 17 yrs active
Sector: Computer consultancy and computer facilities management
(62200)
Conclusion
AGILE ARCHITECTS has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €239k and a net result of €-27k. Equity is growing by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 48% of 93 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Based on the State Gazette, CBE and 3 annual accounts.
Key figures
| Equity | €239k |
| Net result | €-27k |
| Staff (FTE) | 9.2 |
| Better than sector | 48% |
Financial profile
57
/ 100
Mixed profile: strong on stability, weaker on profitability.
All 5 axes are computed from data Checked has read.
Health
47
Profitability
7
Solvency
81
Growth
48
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Established
Founded in 2009, 17 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
47
/ 100
Fair
Computed from 6 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€11k
estimate, not credit advice
Score history
88
2023
96
2024
47
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 1.70 (≥ 1.5)
+10
Quick ratio
Quick ratio 1.70 (≥ 1.0)
+5
Leverage
Debt/equity 1.30 (< 2.0)
+3
Profitability
Negatieve ROE -11%
-10
EBITDA margin
EBITDA-marge 1%
+2
Interest coverage
Interest coverage 0.6× (< 1.5×)
-10
Profit trend
Net profit down YoY
-3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 27-07-2026 with the NBB · fiscal year 2025 · full schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~3.8%/year over 3 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 62, Computer programming, consultancy and related activities · compared within the same schema type (full schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 43.4% | 48.3% | |
| Net result | €-27k | €42k | |
| Equity | €239k | €93k | |
| Gross operating margin | €898k | €74k | |
| Staff costs | €879k | €266k |
€2.17M
-8.3%
23-25
€13k
-83.7%
23-25
€-27k
-
23-25
€-9k
-
23-25
€551k
-4.6%
23-25
€239k
-10.1%
23-25
€217k
-5.5%
23-25
9
-7.1%
23-25
€879k
+6.8%
23-25
€861
-
23-25
€312k
0.0%
23-25
€312k
+0.3%
23-25
1.70
-2.4%
23-25
1.70
-2.4%
23-25
43.4%
-5.8%
23-25
1.30
+11.3%
23-25
-11.3%
-
23-25
-4.9%
-
23-25
-1.2%
-
23-25
0.6%
-82.2%
23-25
0.59
-85.1%
23-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 |
|---|---|---|---|
| Deposit | full schema | abbreviated schema | abbreviated schema |
| Revenue | €2.17M | €2.37M | €2.10M |
| EBITDA | €13k | €83k | €54k |
| Net profit | €-27k | €45k | €38k |
| Cash flow | €-9k | €62k | €42k |
| Staff costs | €879k | €823k | €607k |
| Income taxes | €861 | €-42 | €2k |
| Dividends | - | - | - |
| Total assets | €551k | €578k | €523k |
| Equity | €239k | €266k | €221k |
| Debt | €312k | €312k | €303k |
| of which ≤ 1y | €312k | €311k | €303k |
| of which > 1y | - | - | - |
| Working capital | €217k | €230k | €175k |
| Employees (FTE) | 9.2 | 9.9 | 6.9 |
Note: these years are not on the same basis. The filed schemas differ (full schema, abbreviated schema), so the columns are not directly comparable.
Ratios (computed)
| 2025 | 2024 | 2023 | |
|---|---|---|---|
| Current ratio | 1.70 | 1.74 | 1.58 |
| Quick ratio | 1.70 | 1.74 | 1.58 |
| Working capital ratio | 39.4% | 39.8% | 33.5% |
| Solvency | 43.4% | 46.0% | 42.2% |
| Debt / equity | 1.30 | 1.17 | 1.37 |
| Long-term debt ratio | - | - | - |
| Interest coverage | 0.59 | 3.99 | 5.29 |
| Gross margin | 40.5% | 38.3% | 29.3% |
| Net margin | -1.2% | 1.9% | 1.8% |
| ROA | -4.9% | 7.8% | 7.3% |
| ROE | -11.3% | 17.0% | 17.4% |
| EBITDA margin | 0.6% | 3.5% | 2.6% |
| Days sales outstanding | 43d | 49d | 75d |
| Days payable outstanding | 57d | 49d | 52d |
| Inventory turnover | - | - | - |
| Days inventory (DSI) | - | - | - |
Balance-sheet composition 2025
Full annual accounts (25 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet, Assets | ||||
| TOTAL ASSETS | 20/58 | €551k | €578k | €523k |
| Fixed assets | 21/28 | €22k | €37k | €46k |
| Intangible fixed assets | 21 | €13k | €25k | €38k |
| Tangible fixed assets | 22/27 | €9k | €12k | €8k |
| Current assets | 29/58 | €529k | €541k | €478k |
| Amounts receivable within one year | 40/41 | €511k | €518k | €432k |
| Cash & bank | 54/58 | €8k | €9k | €33k |
| Balance sheet, Equity & liabilities | ||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €551k | €578k | €523k |
| Equity | 10/15 | €239k | €266k | €221k |
| Contributions / capital | 10/11 | €62k | €62k | €62k |
| Reserves | 13 | €177k | €204k | €158k |
| Accumulated profits (losses) | 14 | €17 | €63 | €545 |
| Provisions & deferred taxes | 16 | €178 | - | - |
| Amounts payable | 17/49 | €312k | €312k | €303k |
| Amounts payable within one year | 42/48 | €312k | €311k | €303k |
| Trade debts payable within one year | 44 | €201k | €197k | €212k |
| Income statement | ||||
| Turnover | 70 | €2.17M | €2.37M | €2.10M |
| Gross operating margin | 9900 | €898k | €911k | €664k |
| Operating result | 9901 | €-4k | €66k | €50k |
| Financial income | 75 | €863 | €149 | €39 |
| Financial charges | 65 | €23k | €21k | €10k |
| Result before taxes | 9903 | €-26k | €45k | €40k |
| Income taxes | 67/77 | €861 | €-42 | €2k |
| Net result for the period | 9904 | €-27k | €45k | €38k |
| Result to be appropriated | 9905 | €-27k | €45k | €38k |
Legal Structure
| NACE primary | Computer consultancy and computer facilities management(62200) |
| Legal form | Public limited company(014) |
| Incorporation | 12-03-2009 |
| Status | Active |
| Postal code | 2550 |
Establishment units
Agile Architects
since 20092.177.233.690
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11024B0079/00F000 | Flanders | 3,333 m² | 1 · 932 m² | 10.3 m · 3 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €-27k ▼160%
Net result drops to €-27k, the lowest in the series.
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 22 days late
2024
31-12
Financial
Highest result since 2023net €45k ▲17.7%
Operating result €66k, net result €45k, both a record.
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 14 days late
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 24 days late
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
03-07
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.
Belgian State Gazette reading coverage
We know of 14 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
IT consultancy62020Computer consultancy and computer facilities management62200Other information technology and computer services62900
Names & trade names
| Legal nameNL | AGILE ARCHITECTS |
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