aNNo Architecten
ActiveaNNo Architecten has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €934k and a net result of €302k. Equity is growing by ~12.5% per year across the filed fiscal years. Its solvency ranks better than 72% of 2002 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▼-5
Solvency91▲+10
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €85k at 30 days acceptable
Liquidity ample (current ratio 2.75 against 2.22 in 2024; short-term debt: 34% and cash: 63.1% of total assets), and 34.1% 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○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 · 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
65.9%
Return on assets
21.3%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
50 d late
2023
47 d early
2022
17 d early
2021
11 d early
2020
25 d late
2019
9 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€934k▲ 8.8%
2024 · €859k
2018: €358k
2019: €487k
2020: €569k
2021: €608k
2022: €692k
2023: €773k
2024: €859k
2018 → 2025
Total assets
€1.42M▼ 6.8%
2024 · €1.52M
2018: €714k
2019: €792k
2020: €951k
2021: €819k
2022: €1.40M
2023: €1.55M
2024: €1.52M
2018 → 2025
Net result
€302k▼ 31.5%
2024 · €441k
2018: €250k
2019: €329k
2020: €282k
2021: €39k
2022: €534k
2023: €481k
2024: €441k
2018 → 2025
Working capital
€844k▲ 4.7%
2024 · €806k
2018: €347k
2019: €405k
2020: €483k
2021: €531k
2022: €636k
2023: €740k
2024: €806k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€608k-€692k▲ 13.9%€773k▲ 11.7%€859k▲ 11.1%€934k▲ 8.8%
Operating result€56k-€571k▲ 920%€522k▼ 8.5%€485k▼ 7.2%€339k▼ 30.1%
Net result€39k-€534k▲ 1,276%€481k▼ 10.0%€441k▼ 8.3%€302k▼ 31.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 30% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.42M
Fixed assets
€94k▲ 67.8%
Current assets
€1.33M▼ 9.6%
Equity and liabilities €1.42M
Equity
€934k▲ 8.8%
Debt
€485k▼ 26.9%
The debt ratio falls from 43.6% to 34.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€397k▼
2024 · €509k
Cash flow
€360k▼
2024 · €465k
Solvency
65.9%▲
2024 · 56.4%
Current ratio
2.75▲
2024 · 2.22
Quick ratio
2.75▲
2024 · 2.22
Debt / equity
0.52▼
2024 · 0.77
ROE
32.3%▼
2024 · 51.3%
ROA
21.3%▼
2024 · 29.0%
Interest coverage
59.70▼
2024 · 89.54
Debt
€485k▼
2024 · €663k
Debt ≤ 1 year
€482k▼
2024 · €661k
Income taxes
€39k▼
2024 · €41k
Staff costs
€102k▲
2024 · €96k
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€1.52M€1.42M▼
Fixed assets21/28€56k€94k▲
Intangible fixed assets21€3k€479▼
Tangible fixed assets22/27€53k€93k▲
Plant, machinery and equipment23€33k€27k▼
Furniture and vehicles24€13k€18k▲
Other tangible fixed assets26€7k€48k▲
Current assets29/58€1.47M€1.33M▼
Amounts receivable within one year40/41€258k€401k▲
Trade receivables40€128k€235k▲
Other amounts receivable41€130k€166k▲
Current investments50/53€200k-
Cash at bank and in hand54/58€985k€895k▼
Deferred charges and accrued income490/1€24k€29k▲
Equity and liabilities
Total equity and liabilities10/49€1.52M€1.42M▼
Equity10/15€859k€934k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€851k€926k▲
Amounts payable17/49€663k€485k▼
Amounts payable within one year42/48€661k€482k▼
Trade debts44€180k€242k▲
Suppliers440/4€180k€242k▲
Taxes, remuneration and social security45€51k€19k▼
Taxes450/3€35k-
Remuneration and social security454/9€16k€19k▲
Other amounts payable47/48€429k€221k▼
Accrued charges and deferred income492/3€3k€3k▲
Income statement
Code20242025
Non-recurring operating income76A€272k€120k▼
Remuneration, social security and pensions62€96k€102k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€58k▲
Other operating charges640/8€2k€46k▲
Non-recurring operating charges66A-€3k
Gross operating margin9900€607k€548k▼
Operating profit (loss)9901€485k€339k▼
Financial income75/76B€3k€8k▲
Recurring financial income75€3k€8k▲
Financial charges65/66B€6k€7k▲
Recurring financial charges65€6k€7k▲
Profit (loss) for the period before taxes9903€482k€341k▼
Income taxes67/77€41k€39k▼
Profit (loss) for the period9904€441k€302k▼
Profit (loss) for the period to be appropriated9905€441k€302k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.21M€1.15M▼
Profit (loss) brought forward from the previous period14P€765k€845k▲
Profit to be distributed694/7€355k€220k▼
Directors or managers695€355k€216k▼
Employees696-€5k
Social balance
Average headcount (FTE)90871.8-
The notes to these accounts (15 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
19-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 50 days late
2024
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €534k ▲1276%
Operating result €571k, net result €534k, both a record.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €39k ▼86.2%
Net result drops to €39k, the lowest in the series; recovery starts the following year.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 25 days late
2020
31-12
Financial
Equity above €500kEq €569k ▲16.7%
3 profitable years in a row build equity to €569k.
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 22 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB 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 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Gent · 1 establishment unit since 2008
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.
Forelstraat 559000 GentGround area
104 m²
Building footprint
81 m²
Volume, LiDAR
902 m³
Parcel 44811L0021/00F019, Flanders · tallest building 16.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
aNNo Architecten
since 20082.362.392.042
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44811L0021/00F019 | Flanders | 104 m² | 1 · 81 m² | 16.3 m · 4 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 3,133 EUR awarded · 3,286 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 131 EUR | 131 EUR |
| 2024 | 1 | 119 EUR | 119 EUR |
| 2023 | 1 | 1,758 EUR | 3,036 EUR |
| 2022 | 1 | 1,125 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,554 companies in sector 71121 we hold annual accounts for 6,561. 3,528 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-06-2008
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
71121Engineering and related technical consultancy, excluding land surveyors
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryWebsite:www.annoarchitecten.be