ARCHI TEXT
ActiveARCHI TEXT has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €77k and a net result of €8k. Equity is growing by ~19% per year across the filed fiscal years. Its solvency ranks better than 44% of 9386 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability55▼-45
Solvency93▲+10
Growth54=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 2.49 against 2.49 in 2024), but 52% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
48%
Return on assets
5.3%
Age of the figures
8 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 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
77 d early
2023
77 d early
2022
54 d early
2021
80 d early
2020
80 d early
2019
45 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€111k▼ 7.6%
2018 · €120k
2018: €120k
2018 → 2019
EBIT margin
4.5%▲ 7.2pp
2018 · -2.7%
2018: -2.7%
2018 → 2019
Net result
€8k▼ 49.3%
2024 · €17k
2018: €-11k
2019: €-2k
2020: €545
2021: €17k
2022: €4k
2023: €7k
2024: €17k
2018 → 2025
Working capital
€80k▼ 13.5%
2024 · €93k
2018: €91k
2019: €83k
2020: €91k
2021: €95k
2022: €86k
2023: €84k
2024: €93k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€41k-€45k▲ 9.4%€52k▲ 15.0%€68k▲ 32.3%€77k▲ 12.4%
Operating result€25k-€11k▼ 53.2%€15k▲ 34.0%€29k▲ 90.6%€18k▼ 37.0%
Net result€17k-€4k▼ 77.6%€7k▲ 75.0%€17k▲ 148%€8k▼ 49.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 37% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €160k
Fixed assets
€26k▲ 26.8%
Current assets
€135k▼ 13.3%
Equity and liabilities €160k
Equity
€77k▲ 12.4%
Debt
€83k▼ 22.1%
The debt ratio falls from 61.0% to 52.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€21k▼
2024 · €40k
Cash flow
€11k▼
2024 · €27k
Solvency
48.0%▲
2024 · 39.0%
Current ratio
2.49▼
2024 · 2.49
Quick ratio
2.49▼
2024 · 2.49
Debt / equity
1.08▼
2024 · 1.57
ROE
11.0%▼
2024 · 24.4%
ROA
5.3%▼
2024 · 9.5%
Interest coverage
5.64▼
2024 · 8.73
Debt
€83k▼
2024 · €107k
Debt ≤ 1 year
€54k▼
2024 · €62k
Debt > 1 year
€29k▼
2024 · €45k
Income taxes
€6k▼
2024 · €8k
Staff costs
€35k▲
2024 · €25k
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€176k€160k▼
Fixed assets21/28€20k€26k▲
Tangible fixed assets22/27€20k€26k▲
Plant, machinery and equipment23€5k€10k▲
Furniture and vehicles24€15k€16k▲
Financial fixed assets28€25€25=
Current assets29/58€155k€135k▼
Amounts receivable within one year40/41€99k€79k▼
Trade receivables40€99k€79k▼
Other amounts receivable41€118-
Cash at bank and in hand54/58€46k€35k▼
Deferred charges and accrued income490/1€10k€20k▲
Equity and liabilities
Total equity and liabilities10/49€176k€160k▼
Equity10/15€68k€77k▲
Contributions10/11€19k€19k=
Reserves13€19k€27k▲
Distributable reserves133€19k€27k▲
Profit (loss) carried forward14€31k€31k=
Amounts payable17/49€107k€83k▼
Amounts payable after more than one year17€45k€29k▼
Financial debts170/4€45k€29k▼
Amounts payable within one year42/48€62k€54k▼
Current portion of amounts payable after more than one year42€17k€15k▼
Trade debts44€17k€12k▼
Suppliers440/4€17k€12k▼
Taxes, remuneration and social security45€20k€20k▲
Taxes450/3€14k€12k▼
Remuneration and social security454/9€6k€8k▲
Other amounts payable47/48€8k€7k▼
Income statement
Code20242025
Remuneration, social security and pensions62€25k€35k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€3k▼
Other operating charges640/8€673€981▲
Gross operating margin9900€65k€58k▼
Operating profit (loss)9901€29k€18k▼
Financial income75/76B€18€61▲
Recurring financial income75€18€61▲
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€25k€15k▼
Income taxes67/77€8k€6k▼
Profit (loss) for the period9904€17k€8k▼
Profit (loss) for the period to be appropriated9905€17k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€48k€40k▼
Profit (loss) brought forward from the previous period14P€31k€31k=
Transfer to equity691/2€17k€8k▼
To other reserves6921€17k€8k▼
The notes to these accounts (7 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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
15-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
15-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
12-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €17k ▲3059%
Net result €17k, the highest in the series.
12-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €545
Net result €545 after 2 loss-making years.
16-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
24-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-05
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
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, Charleroi · 1 establishment unit since 1991
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.
Avenue Géronhaies 26001 CharleroiGround area
68 m²
Building footprint
119 m²
Volume, LiDAR
851 m³
Parcel 52393B0327/00B002, Wallonia · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Avenue Géronhaies 2, 6001 Charleroi
since 19912.228.721.785
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52393B0327/00B002 | Wallonia | 68 m² | 1 · 118 m² | 9.4 m · 2 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
ARCHITECTENTEAM VISION+
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ARKIT architekten
BE 0442.697.805
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GGH AUTOS
BE 0810.545.262
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BORDER
BE 0777.268.621
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Of 18,210 companies in sector 71111 we hold annual accounts for 6,293. 5,453 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-06-1991
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
74201Photography, excluding press photography
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.