ARC@SS
ActiveSummary
ARC@SS has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €166,788 and a net result of €18,716. Equity is growing by ~25.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 9574 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability82▼-13
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15,000 at 30 days acceptable
Liquidity ample (current ratio 18.56 against 32.94 in 2024; short-term debt: 3.6% and cash: 27.1% of total assets), and 5.2% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four 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
Architectural and engineering activities; technical testing and analysis (NACE 71)
about 56% fewer bankruptcies
← 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
94.8%
Return on assets
10.6%
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 10-06-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
31 d early
2023
33 d early
2022
30 d late
2021
30 d late
2020
1 d early
2019
31 d late
← 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 4 days before the deadline; the sector median for financial year 2024 is 8 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 30 June (5 of the last 5 filed years within 61 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Public money
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€166,788▲ 12.6%
2024 · €148,072
Total assets
€175,939▲ 12.4%
2024 · €156,492
Net result
€18,716▼ 43.5%
2024 · €33,105
Working capital
€112,074▲ 18.1%
2024 · €94,934
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 71, Architectural and engineering activities; technical testing and analysis, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€15,908▲ 0.7%€29,588▲ 86.0%€41,988▲ 41.9%€46,882▲ 11.7%€27,780▼ 40.7%
Net result€10,147within the sector's middle half▲ 1,074%€20,773within the sector's middle half▲ 105%€30,526within the sector's middle half▲ 47.0%€33,105within the sector's middle half▲ 8.5%€18,716within the sector's middle half▼ 43.5%
Equity€63,668within the sector's middle half▲ 19.0%€84,441within the sector's middle half▲ 32.6%€114,967within the sector's middle half▲ 36.2%€148,072within the sector's middle half▲ 28.8%€166,788above the sector's middle half▲ 12.6%
Total assets€97,007below the sector's middle half▲ 0.3%€117,625below the sector's middle half▲ 21.3%€131,795below the sector's middle half▲ 12.0%€156,492below the sector's middle half▲ 18.7%€175,939within the sector's middle half▲ 12.4%
Debt€33,339▼ 22.8%€33,184▼ 0.5%€16,828▼ 49.3%€8,420▼ 50.0%€9,151▲ 8.7%
Working capital€11,397below the sector's middle half▲ 230%€15,717below the sector's middle half▲ 37.9%€61,857within the sector's middle half▲ 294%€94,934within the sector's middle half▲ 53.5%€112,074above the sector's middle half▲ 18.1%
Solvency65.6%within the sector's middle half▲ 10.3pp71.8%above the sector's middle half▲ 6.2pp87.2%above the sector's middle half▲ 15.4pp94.6%above the sector's middle half▲ 7.4pp94.8%above the sector's middle half▲ 0.2pp
Current ratio1.43within the sector's middle half▲ 0.321.47within the sector's middle half▲ 0.048.04above the sector's middle half▲ 6.5732.94above the sector's middle half▲ 24.9018.56above the sector's middle half▼ 14.38
Return on assets (ROA)10.5%within the sector's middle half▲ 9.6pp17.7%above the sector's middle half▲ 7.2pp23.2%above the sector's middle half▲ 5.5pp21.2%above the sector's middle half▼ 2.0pp10.6%within the sector's middle half▼ 10.5pp
above
within
below
the middle half (P25 to P75) of NACE 71, Architectural and engineering activities; technical testing and analysis, each year against the same schema; no band under 30 filings.
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 41% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €175,939
Fixed assets
€57,482 ▼ 1.9%
Current assets
€118,457 ▲ 21.0%
Equity and liabilities €175,939
Equity
€166,788 ▲ 12.6%
Debt
€9,151 ▲ 8.7%
Debt's share of the balance-sheet total falls from 5.4% to 5.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€32,933▼
2024 · €54,868
Cash flow
€23,869▼
2024 · €41,092
Debt to equity
0.05▼
2024 · 0.06
ROE
11.2%▼
2024 · 22.4%
Interest coverage
14.92▼
2024 · 56.04
Debt ≤ 1 year
€6,383▲
2024 · €2,973
Debt > 1 year
€2,768▼
2024 · €5,448
Income taxes
€8,893▼
2024 · €12,797
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,371 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.5%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,371 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €2,498 | - | - | €3,623 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,264 | €3,522 | €7,571 | €7,986 | €5,153 | ▼ 35.5% |
| Other operating charges640/8 | €2,218 | €1,622 | €2,801 | €3,004 | €1,605 | ▼ 46.6% |
| Gross operating margin9900 | €22,390 | €34,731 | €52,360 | €57,872 | €34,538 | ▼ 40.3% |
| Operating profit (loss)9901 | €15,908 | €29,588 | €41,988 | €46,882 | €27,780 | ▼ 40.7% |
| Financial income75/76B | €0 | €10 | €24 | - | €2,037 | - |
| Recurring financial income75 | €0 | €10 | €24 | - | €2,037 | - |
| Financial charges65/66B | €1,355 | €647 | €382 | €979 | €2,208 | ▲ 125% |
| Recurring financial charges65 | €1,355 | €647 | €382 | €979 | €2,208 | ▲ 125% |
| Profit (loss) for the period before taxes9903 | €14,553 | €28,950 | €41,630 | €45,903 | €27,609 | ▼ 39.9% |
| Income taxes67/77 | €4,406 | €8,177 | €11,104 | €12,797 | €8,893 | ▼ 30.5% |
| Profit (loss) for the period9904 | €10,147 | €20,773 | €30,526 | €33,105 | €18,716 | ▼ 43.5% |
| Profit (loss) for the period to be appropriated9905 | €10,147 | €20,773 | €30,526 | €33,105 | €18,716 | ▼ 43.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €97,007 | €117,625 | €131,795 | €156,492 | €175,939 | ▲ 12.4% |
| Fixed assets21/28 | €59,256 | €68,724 | €61,153 | €58,586 | €57,482 | ▼ 1.9% |
| Tangible fixed assets22/27 | €59,256 | €68,724 | €61,153 | €58,586 | €57,482 | ▼ 1.9% |
| Land and buildings22 | €58,756 | €55,755 | €52,754 | €49,753 | €52,445 | ▲ 5.4% |
| Plant, machinery and equipment23 | €499 | €239 | - | €2,013 | €3,412 | ▲ 69.5% |
| Furniture and vehicles24 | - | €12,729 | €8,399 | €6,820 | €1,626 | ▼ 76.2% |
| Current assets29/58 | €37,751 | €48,901 | €70,642 | €97,907 | €118,457 | ▲ 21.0% |
| Amounts receivable within one year40/41 | €37,751 | €48,325 | €63,872 | €70,149 | €69,492 | ▼ 0.9% |
| Trade receivables40 | €11,815 | €12,485 | €17,866 | €14,911 | €12,886 | ▼ 13.6% |
| Other amounts receivable41 | €25,937 | €35,840 | €46,007 | €55,239 | €56,606 | ▲ 2.5% |
| Cash at bank and in hand54/58 | - | €576 | €3,770 | €27,757 | €47,759 | ▲ 72.1% |
| Deferred charges and accrued income490/1 | - | - | €3,000 | - | €1,205 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €97,007 | €117,625 | €131,795 | €156,492 | €175,939 | ▲ 12.4% |
| Equity10/15 | €63,668 | €84,441 | €114,967 | €148,072 | €166,788 | ▲ 12.6% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €1,484 | €1,484 | €1,484 | €1,484 | €20,200 | ▲ 1,261% |
| Non-distributable reserves130/1 | €1,484 | €1,484 | - | - | - | - |
| Reserves not available under the articles1311 | €1,484 | €1,484 | - | - | - | - |
| Distributable reserves133 | - | - | €1,484 | €1,484 | €20,200 | ▲ 1,261% |
| Profit (loss) carried forward14 | €43,592 | €64,365 | €94,891 | €127,996 | €127,996 | = |
| Amounts payable17/49 | €33,339 | €33,184 | €16,828 | €8,420 | €9,151 | ▲ 8.7% |
| Amounts payable after more than one year17 | €6,984 | - | €8,043 | €5,448 | €2,768 | ▼ 49.2% |
| Financial debts170/4 | €6,984 | - | €8,043 | €5,448 | €2,768 | ▼ 49.2% |
| Amounts payable within one year42/48 | €26,354 | €33,184 | €8,785 | €2,973 | €6,383 | ▲ 115% |
| Current portion of amounts payable after more than one year42 | €6,470 | - | €2,513 | €2,595 | €2,680 | ▲ 3.3% |
| Financial debts43 | €545 | - | - | - | - | - |
| Credit institutions430/8 | €545 | - | - | - | - | - |
| Trade debts44 | €5,963 | €16,134 | €140 | €377 | €2,071 | ▲ 449% |
| Suppliers440/4 | €5,963 | €16,134 | €140 | €377 | €2,071 | ▲ 449% |
| Taxes, remuneration and social security45 | €13,377 | €17,050 | €6,132 | - | €1,632 | - |
| Taxes450/3 | €13,377 | €17,050 | €6,132 | - | €1,632 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €10,147 | €20,773 | €30,526 | €33,105 | €18,716 | ▼ 43.5% |
| + Depreciation and write-downs630 | €4,264 | €3,522 | €7,571 | €7,986 | €5,153 | ▼ 35.5% |
| Operating cash flow (approximation) | €14,411 | €24,295 | €38,096 | €41,092 | €23,869 | ▼ 41.9% |
| Investment in fixed assets (approximation) | - | -€12,990 | €0 | -€5,419 | -€4,049 | ▲ 25.3% |
| Change in cash | - | - | €3,194 | €23,988 | €20,002 | ▼ 16.6% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €150,000Eq €166,788 ▲12.6%
8 profitable years in a row build equity to €166,788.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €33,105 ▲8.5%
Operating result €46,882, net result €33,105, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 32.94
Current ratio from 8.04 to 32.94; short-term debt falls from €8,785 to €2,973.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity times 5current ratio 8.04
Current ratio from 1.47 to 8.04; short-term debt falls from €33,184 to €8,785.
31-12
Financial
Equity above €100,000Eq €114,967 ▲36.2%
6 profitable years in a row build equity to €114,967.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €864 ▼94.2%
Net result drops to €864, the lowest in the series; recovery starts the following year.
Show earlier events
31-12
Financial
Liquidity doublescurrent ratio 1.12
Current ratio from 0.52 to 1.12.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 31 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 395 days late
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 760 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
2 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, Leuven
Ground area
428 m²
Building footprint
155 m²
Volume, LiDAR
1,232 m³
Parcel 24434F0298/00B000, Flanders · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24434F0298/00B000 | Flanders | 428 m² | 1 · 155 m² | 11.3 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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
2024 · 1 entry · 293 EUR awarded · 293 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 293 EUR | 293 EUR |
Similar companies · same sector, comparable size
HOSMOSE - ATELIER D'ARCHITECTES
BE 0895.894.473
Oudergem · Eq €166,761
EERAERTS-MORISSE ARCHITECTEN
BE 0892.934.092
Mechelen · Eq €166,744
BELLEFORTÉ
BE 0759.910.173
Assenede · Eq €166,735
AAPUS
BE 0523.959.257
Nivelles · Eq €166,640
MARC EDUARD GERNAY
BE 0552.628.103
Wortegem-Petegem · Eq €166,964
Of 18,254 companies in sector 71111 we hold annual accounts for 6,323. 5,279 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded17-09-1993
Fiscal year end31-12
Activities, NACEBEL 2025
71111Activities of building architects
E-invoicing
Reachable via Peppol
Peppol ID
0208:0450930531
Registered
19-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.