AR & TEC, BUREAU D'ETUDES ET D'ARCHITECTES
InactiveNo longer registered with the KBO since 12-05-2026; last annual accounts for fiscal year 2025.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 19-03-2026, 134 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
134 d early
2024
119 d early
2023
134 d early
2022
20 d early
2021
59 d early
2020
57 d early
2019
7 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€17k▼ 76.3%
2024 · €71k
2018: €22k
2019: €21k
2020: €13k
2021: €-21k
2022: €-27k
2023: €75k
2024: €71k
2018 → 2025
Working capital
€367k▲ 6.4%
2024 · €345k
2018: €345k
2019: €372k
2020: €326k
2021: €304k
2022: €277k
2023: €344k
2024: €345k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€232k-€205k▼ 11.8%€279k▲ 36.5%€350k▲ 25.2%€367k▲ 4.8%
Operating result€-21k-€-26k▼ 24.1%€96k€108k▲ 12.2%€25k▼ 76.4%
Net result€-21k-€-27k▼ 25.6%€75k€71k▼ 5.6%€17k▼ 76.3%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 76% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €396k
Fixed assets
€690▼ 85.2%
Current assets
€395k▲ 1.6%
Equity and liabilities €396k
Equity
€367k▲ 4.8%
Debt
€29k▼ 33.7%
The debt ratio falls from 11.1% to 7.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€26k▼
2024 · €111k
Cash flow
€17k▼
2024 · €74k
Solvency
92.7%▲
2024 · 88.9%
Current ratio
14.26▲
2024 · 8.89
Quick ratio
14.26▲
2024 · 8.89
Debt / equity
0.08▼
2024 · 0.13
ROE
4.6%▼
2024 · 20.4%
ROA
4.3%▼
2024 · 18.1%
Interest coverage
136.14▲
2024 · 128.90
Debt
€29k▼
2024 · €44k
Debt ≤ 1 year
€28k▼
2024 · €44k
Income taxes
€8k▼
2024 · €36k
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€393k€396k▲
Fixed assets21/28€5k€690▼
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€5k€690▼
Land and buildings22€0€0=
Furniture and vehicles24€5k€690▼
Current assets29/58€389k€395k▲
Amounts receivable within one year40/41€7k€55k▲
Trade receivables40€6k€49k▲
Other amounts receivable41€469€5k▲
Cash at bank and in hand54/58€377k€340k▼
Deferred charges and accrued income490/1€5k-
Equity and liabilities
Total equity and liabilities10/49€393k€396k▲
Equity10/15€350k€367k▲
Contributions10/11€12k€12k=
Reserves13€183k€200k▲
Distributable reserves133€183k€200k▲
Profit (loss) carried forward14€154k€154k=
Amounts payable17/49€44k€29k▼
Amounts payable within one year42/48€44k€28k▼
Trade debts44€229€9k▲
Suppliers440/4€229€9k▲
Taxes, remuneration and social security45€31k€2k▼
Taxes450/3€31k€2k▼
Other amounts payable47/48€12k€16k▲
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Non-recurring operating income76A-€4k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€443▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-2k-
Provisions for liabilities and charges: additions (uses and reversals)635/8€-72k-
Other operating charges640/8€2k€270▼
Gross operating margin9900€39k€26k▼
Operating profit (loss)9901€108k€25k▼
Financial charges65/66B€858€190▼
Recurring financial charges65€858€190▼
Profit (loss) for the period before taxes9903€107k€25k▼
Income taxes67/77€36k€8k▼
Profit (loss) for the period9904€71k€17k▼
Profit (loss) for the period to be appropriated9905€71k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€226k€171k▼
Profit (loss) brought forward from the previous period14P€155k€154k▼
Transfer to equity691/2€71k€17k▼
To other reserves6921€71k€17k▼
Profit to be distributed694/7€859-
Return on contributions (dividend)694€859-
The notes to these accounts (8 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
19-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
03-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €75k
Net result €75k after 2 loss-making years.
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-27k
Net result drops to €-27k, the lowest in the series.
02-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
04-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
31-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
02-06
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.
Directors · office · real estate
Directors
no sitting director, no change since 2023
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
20-12-2023
Resigned as Manager
Location & real-estate footprint
Registered office, Ath
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.
Chaussée de Mons 72/27800 AthGround area
813 m²
Building footprint
232 m²
Parcel 51004C0076/00B002, Wallonia. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51004C0076/00B002 | Wallonia | 813 m² | 1 · 232 m² | - |
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.
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Of 2,264 companies in sector 71113 we hold annual accounts for 658. 415 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-04-2008
Fiscal year end31-12
Activities, NACEBEL
71113Urban planning and landscape architecture
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.