AR.2 ARCHITECTEN
ActiveAR.2 ARCHITECTEN has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €523k and a net result of €8k. Equity is growing by ~9.3% per year across the filed fiscal years. Its solvency ranks better than 43% of 9388 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability45=
Solvency72▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 4.98 against 3.95 in 2024; short-term debt: 8.2% and cash: 8.2% of total assets), but 53% 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 · 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
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
47%
Return on assets
0.7%
Age of the figures
9 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
2 d early
2023
5 d early
2022
13 d early
2021
27 d early
2020
1 d early
2019
1 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€523k▲ 1.6%
2024 · €515k
2018: €207k
2019: €291k
2020: €341k
2021: €478k
2022: €524k
2023: €500k
2024: €515k
2018 → 2025
Total assets
€1.11M▼ 5.8%
2024 · €1.18M
2018: €1.18M
2019: €1.19M
2020: €1.18M
2021: €1.26M
2022: €1.26M
2023: €1.21M
2024: €1.18M
2018 → 2025
Net result
€8k▼ 44.1%
2024 · €14k
2018: €6k
2019: €84k
2020: €50k
2021: €137k
2022: €46k
2023: €-24k
2024: €14k
2018 → 2025
Working capital
€361k▲ 1.9%
2024 · €355k
2018: €41k
2019: €131k
2020: €175k
2021: €329k
2022: €372k
2023: €323k
2024: €355k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€478k-€524k▲ 9.5%€500k▼ 4.5%€515k▲ 2.9%€523k▲ 1.6%
Operating result€217k-€92k▼ 57.5%€11k▼ 88.5%€46k▲ 334%€43k▼ 6.8%
Net result€137k-€46k▼ 66.9%€-24k€14k€8k▼ 44.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.11M
Fixed assets
€661k▼ 6.5%
Current assets
€452k▼ 4.8%
Equity and liabilities €1.11M
Equity
€523k▲ 1.6%
Debt
€591k▼ 11.5%
The debt ratio falls from 56.5% to 53.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€94k▼
2024 · €97k
Cash flow
€60k▼
2024 · €65k
Solvency
47.0%▲
2024 · 43.5%
Current ratio
4.98▲
2024 · 3.95
Quick ratio
2.77▼
2024 · 3.08
Debt / equity
1.13▼
2024 · 1.30
ROE
1.5%▼
2024 · 2.8%
ROA
0.7%▼
2024 · 1.2%
Interest coverage
3.05▲
2024 · 2.94
Debt
€591k▼
2024 · €668k
Debt ≤ 1 year
€91k▼
2024 · €120k
Debt > 1 year
€497k▼
2024 · €539k
Income taxes
€5k▲
2024 · €3k
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€1.18M€1.11M▼
Fixed assets21/28€707k€661k▼
Intangible fixed assets21€18k€13k▼
Tangible fixed assets22/27€687k€646k▼
Land and buildings22€261k€242k▼
Furniture and vehicles24€19k€17k▼
Leasing and similar rights25€251k€237k▼
Other tangible fixed assets26€156k€149k▼
Financial fixed assets28€2k€2k=
Current assets29/58€475k€452k▼
Stocks and contracts in progress3€104k€201k▲
Contracts in progress37€104k€201k▲
Amounts receivable within one year40/41€171k€77k▼
Trade receivables40€171k€70k▼
Other amounts receivable41-€7k
Current investments50/53€60k€60k=
Cash at bank and in hand54/58€115k€91k▼
Deferred charges and accrued income490/1€24k€23k▼
Equity and liabilities
Total equity and liabilities10/49€1.18M€1.11M▼
Equity10/15€515k€523k▲
Contributions10/11€19k€19k=
Reserves13€162k€162k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€25k€25k=
Distributable reserves133€135k€135k=
Profit (loss) carried forward14€334k€342k▲
Amounts payable17/49€668k€591k▼
Amounts payable after more than one year17€539k€497k▼
Financial debts170/4€539k€497k▼
Amounts payable within one year42/48€120k€91k▼
Current portion of amounts payable after more than one year42€43k€45k▲
Trade debts44€50k€24k▼
Suppliers440/4€50k€24k▼
Taxes, remuneration and social security45€27k€5k▼
Taxes450/3€23k€1k▼
Remuneration and social security454/9€4k€4k=
Other amounts payable47/48€1k€17k▲
Accrued charges and deferred income492/3€8k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€51k€52k▲
Other operating charges640/8€4k€4k▲
Non-recurring operating charges66A€168-
Gross operating margin9900€101k€98k▼
Operating profit (loss)9901€46k€43k▼
Financial income75/76B€4k€1k▼
Recurring financial income75€4k€1k▼
Financial charges65/66B€33k€31k▼
Recurring financial charges65€33k€31k▼
Profit (loss) for the period before taxes9903€17k€13k▼
Income taxes67/77€3k€5k▲
Profit (loss) for the period9904€14k€8k▼
Profit (loss) for the period to be appropriated9905€14k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€334k€342k▲
Profit (loss) brought forward from the previous period14P€319k€334k▲
The notes to these accounts (14 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-24k ▼152%
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €500kEq €524k ▲9.5%
5 profitable years in a row build equity to €524k.
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €137k ▲175%
Operating result €217k, net result €137k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
14-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Lier · 1 establishment unit since 2002
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.
Frederik Peltzerstraat 192500 LierGround area
185 m²
Building footprint
63 m²
Volume, LiDAR
514 m³
Parcel 12021G0192/00C000, Flanders · tallest building 14.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
AR.2 Architecten Bvba
since 20022.229.048.419
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12021G0192/00C000 | Flanders | 185 m² | 1 · 63 m² | 14.1 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
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Of 18,249 companies in sector 71111 we hold annual accounts for 6,319. 3,926 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-12-2002
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
74201Photography, excluding press photography
Sources
Crossroads Bank for EnterprisesNational Bank · 23 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 entriesE-mail:info@ar2.be
Phone:03.488.35.29