AR & A, architecte

Active

Private limited companyfounded 198739 yrs activeRue de la Fabrique 12, 1300 Wavre, BelgiumKBO/BCE: BE 0431.680.385

Summary

AR & A, architecte has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €139,398 and a net result of -€45,662. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 19% of 825 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

Risk analysisWatch Report Compare

AR & A, architecteActiveChecked score 67/100

Risk analysis Report Compare

Activity

Activities of building architects

NACE 71111Photography, excluding press photography NACE 74201

1 site

Size

€1.0mtotal assets 2025

Staff: 9.9 FTE
Equity: €139,398
Loss: -€45,662

Financial health

67 Healthy Checked score 2025

Bankruptcy chance 12 m: 0.7%

Structure

Accounts filed 7 d late0 of 9 deeds read

Why 67- Equity €139,398 (13.5% of total assets)- Loss of €45,662 (FY 2025)+ Sector Architectural and engineering activities; technical testing and analysis (NACE 71)+ Liquidity: current ratio 0.95, cash €137,910Show the evidence

Checked score

Score 2025

67 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Better than 17% of its sector peers (NACE 71, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Weak

Solvency 38-6

equity 13.5% of total assets

Liquidity 33+7

short-term debt 64.2% · cash 13.3%

Profitability 35-35

return on assets -4.4%

Bankruptcy probability, 12 months

0.7% Low

0%0.5%1.5%4%10%≥ 25%

About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (14,689 companies)

Last 24 months 11-2024: 0.5%lowest value 12-2024: 0.5%● 0.0% vs 11-2024lowest value 01-2025: 0.5%● 0.0% vs 12-2024lowest value 02-2025: 0.5%● 0.0% vs 01-2025lowest value 03-2025: 0.5%● 0.0% vs 02-2025lowest value 04-2025: 0.5%● 0.0% vs 03-2025lowest value 05-2025: 0.5%● 0.0% vs 04-2025lowest value 06-2025: 0.5%● 0.0% vs 05-2025lowest value 07-2025: 0.5%▲ +0.6% vs 06-2025 08-2025: 0.5%▲ +1.6% vs 07-2025 09-2025: 0.5%▲ +6.2% vs 08-2025 10-2025: 0.7%▲ +30.6% vs 09-2025 11-2025: 1.1%▲ +47.8% vs 10-2025highest value 12-2025: 0.5%▼ -52.2% vs 11-2025 01-2026: 0.5%● 0.0% vs 12-2025 02-2026: 0.5%● 0.0% vs 01-2026 03-2026: 0.5%● 0.0% vs 02-2026 04-2026: 0.5%● 0.0% vs 03-2026 05-2026: 0.5%● 0.0% vs 04-2026 06-2026: 0.5%● 0.0% vs 05-2026 07-2026: 0.5%▲ +1.2% vs 06-2026 08-2026: 0.5%▲ +0.8% vs 07-2026 09-2026: 0.5%▲ +6.2% vs 08-2026 10-2026: 0.7%▲ +19.4% vs 09-2026

Equity €139,398 (13.5% of total assets) raises the probability
Sector Architectural and engineering activities; technical testing and analysis (NACE 71) lowers the probability
Loss of €45,662 (FY 2025) raises the probability
Liquidity: current ratio 0.95, cash €137,910 lowers the probability

Credit up to €9,000 at 30 days acceptable

Liquidity short (current ratio 0.95 against 0.99 in 2024; short-term debt: 64.2% and cash: 13.3% of total assets), and 86.5% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 71, micro). Better than this share of them on solvency 18%, liquidity 14%, profitability 17%, growth against the median 18%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Equity €139,398 (13.5% of total assets)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Sector Architectural and engineering activities; technical testing and analysis (NACE 71)

In the bankruptcy model this factor lowers the probability.

KBO

Loss of €45,662 (FY 2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Liquidity: current ratio 0.95, cash €137,910

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 825 sector peers (2025).

NBB · sector comparison

Position among 825 sector peers

Solvency

better than 19%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 07-11-2025, 7 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 filings

Deviation from the deadline

2025

7 d late

2024

1 d early

2023

6 d late

2022

4 d early

2021

4 d late

2020

2 d early

2019

3 d early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 1 day after the deadline; the sector median for financial year 2024 is 8 days before the deadline, and 34% of the sector filed late.

Checked, nothing found (2)

The next deadline is still running

The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 4 November (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

31-03-2026 close03-10-2026 today31-10-2026 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

07-11-25 Annual accounts filedfiscal year 2025 · full…
31-03-25 Weakest financial yearnet -€45,662
30-10-24 Annual accounts filedfiscal year 2024 · full…

Key points

Caution: From profit to loss in 2025after €11,779 in 2024 -€45,662 View
Caution: Among the weakest 18% on net resultsector median €37,045 · 827 companies -€45,662 View
Active since 1987founded 28-05-1987 39 years View