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Archilo

Active Risk: not assessed
Private limited companyfounded 2022active for 3 yearsSteenrotsstraat(PEL) 6, 3212 Lubbeek, BelgiumKBO/BCE: BE 0793.459.901
Summary

Archilo is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €72,648 and a net result of €1,462. Equity is growing by about 11% per year across the filed financial years. Its solvency ranks better than 72% of 3,036 sector peers (NACE 66, financial year 2025). The company has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
Risk and damage evaluation
NACE 66210
1 site
Size
€101,012total assets 2025
Equity
€72,648
Profit
€1,462
Turnover not published (micro format)
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
2025 accounts 21 days early1 deed in the Belgian Official Gazette
SignalsneutralLatest accounts filed on timeShow the evidence

Checked score

Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Bankruptcy probability, 12 months

This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.

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Signals

1 signal.
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 10-07-2026, 21 days ahead of the deadline.
NBB · 3 filings
Deviation from the deadline
2025
21 days early
2024
29 days early
2023
35 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 28 days before the deadline; the sector median (NACE 66) for financial year 2024 is 5 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 2 July (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
26-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2022.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Weakest financial yearnet €1,462 ▼90.9%
  3. Annual accounts filedfinancial year 2024 · micro…

Financials · financial year 2025, micro format

Equity
€72,648▲ 2.1%
2024 · €71,186
Net result
€1,462▼ 90.9%
2024 · €16,083
Total assets
€101,012▲ 26.7%
2024 · €79,748
Solvency
71.9%▼ 17.3pp
2024 · 89.3%
Trend over the years

2023 to 2025, 3 financial years

The operating result has fallen two years in a row; 2025 is 85% below 2024 and is the lowest result in the available series.

What the company sold each financial year and what was left of it. A loss stands below the zero line.

Operating result€3,209 2025 Net result€1,462 2025

Use the arrow keys on the chart for the figures per year.

Sector: the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the financial year before
favourable unfavourable
Line202320242025
Operating result€77,838-€20,923▼ 73.1%€3,209▼ 84.7%
Net result€62,987within the sector's middle half-€16,083within the sector's middle half▼ 74.5%€1,462below the sector's middle half▼ 90.9%
Equity€56,821within the sector's middle half-€71,186within the sector's middle half▲ 25.3%€72,648within the sector's middle half▲ 2.1%
Total assets€80,432below the sector's middle half-€79,748below the sector's middle half▼ 0.9%€101,012below the sector's middle half▲ 26.7%
Debt€23,611-€8,562▼ 63.7%€28,365▲ 231%
Working capital€39,397within the sector's middle half-€60,461within the sector's middle half▲ 53.5%€57,602within the sector's middle half▼ 4.7%
Solvency70.6%within the sector's middle half-89.3%above the sector's middle half▲ 18.6pp71.9%within the sector's middle half▼ 17.3pp
Current ratio2.67within the sector's middle half-8.09above the sector's middle half▲ 5.424.48above the sector's middle half▼ 3.60
Return on assets (ROA)78.3%above the sector's middle half-20.2%within the sector's middle half▼ 58.1pp1.4%below the sector's middle half▼ 18.7pp
above within below the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €101,012
Fixed assets €26,879 ▲ 150%
Current assets €74,133 ▲ 7.5%
Equity and liabilities €101,012
Equity €72,648 ▲ 2.1%
Debt €28,365 ▲ 231%
Debt's share of the balance-sheet total rises from 10.7% to 28.1%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
ROE
2.0%▼
2024 · 22.6%
Debt ≤ 1 year
€16,531▲
2024 · €8,531
Debt > 1 year
€11,810
Income taxes
€1,269▼
2024 · €4,745
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet Code20242025
Assets
Total assets20/58€79,748€101,012▲
Fixed assets21/28€10,757€26,879▲
Tangible fixed assets22/27€10,757€26,879▲
Plant, machinery and equipment23€1,440€287▼
Furniture and vehicles24€9,316€26,592▲
Current assets29/58€68,991€74,133▲
Amounts receivable within one year40/41€10,951€22,321▲
Trade receivables40€10,697€8,901▼
Other amounts receivable41€255€13,421▲
Cash at bank and in hand54/58€56,266€51,321▼
Deferred charges and accrued income490/1€1,774€491▼
Equity and liabilities
Total equity and liabilities10/49€79,748€101,012▲
Equity10/15€71,186€72,648▲
Contributions10/11€3,000€3,000=
Reserves13-€69,648
Distributable reserves133-€69,648
Profit (loss) carried forward14€68,186€0▼
Amounts payable17/49€8,562€28,365▲
Amounts payable after more than one year17-€11,810
Financial debts170/4-€11,810
Amounts payable within one year42/48€8,531€16,531▲
Current portion of amounts payable after more than one year42-€9,160
Trade debts44€573€260▼
Suppliers440/4€573€260▼
Taxes, remuneration and social security45€6,680€7,111▲
Taxes450/3€6,680€7,111▲
Other amounts payable47/48€1,277€0▼
Accrued charges and deferred income492/3€32€23▼
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9,537€7,627▼
Other operating charges640/8€298€1,061▲
Non-recurring operating charges66A-€47
Gross operating margin9900€30,758€11,944▼
Operating profit (loss)9901€20,923€3,209▼
Financial income75/76B-€80
Recurring financial income75-€80
Financial charges65/66B€95€557▲
Recurring financial charges65€95€557▲
Profit (loss) for the period before taxes9903€20,828€2,731▼
Income taxes67/77€4,745€1,269▼
Profit (loss) for the period9904€16,083€1,462▼
Profit (loss) for the period to be appropriated9905€16,083€1,462▼
Appropriation of the result
Profit (loss) to be appropriated9906€69,904€69,648▼
Profit (loss) brought forward from the previous period14P€53,821€68,186▲
Transfer to equity691/2-€69,648
To other reserves6921-€69,648
Profit to be distributed694/7€1,718€0▼
Return on contributions (dividend)694€1,718€0▼
Directors or managers695€0-

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8,518€9,537€7,627▼ 20.0%
Other operating charges640/8€475€298€1,061▲ 256%
Non-recurring operating charges66A--€47-
Gross operating margin9900€86,830€30,758€11,944▼ 61.2%
Operating profit (loss)9901€77,838€20,923€3,209▼ 84.7%
Financial income75/76B--€80-
Recurring financial income75--€80-
Financial charges65/66B€25€95€557▲ 489%
Recurring financial charges65€25€95€557▲ 489%
Profit (loss) for the period before taxes9903€77,813€20,828€2,731▼ 86.9%
Income taxes67/77€14,827€4,745€1,269▼ 73.2%
Profit (loss) for the period9904€62,987€16,083€1,462▼ 90.9%
Profit (loss) for the period to be appropriated9905€62,987€16,083€1,462▼ 90.9%
Line202320242025Change
Assets
Total assets20/58€80,432€79,748€101,012▲ 26.7%
Fixed assets21/28€17,424€10,757€26,879▲ 150%
Tangible fixed assets22/27€17,424€10,757€26,879▲ 150%
Plant, machinery and equipment23€2,608€1,440€287▼ 80.1%
Furniture and vehicles24€14,816€9,316€26,592▲ 185%
Current assets29/58€63,008€68,991€74,133▲ 7.5%
Amounts receivable within one year40/41€12,734€10,951€22,321▲ 104%
Trade receivables40€10,060€10,697€8,901▼ 16.8%
Other amounts receivable41€2,673€255€13,421▲ 53×
Cash at bank and in hand54/58€48,753€56,266€51,321▼ 8.8%
Deferred charges and accrued income490/1€1,521€1,774€491▼ 72.3%
Equity and liabilities
Total equity and liabilities10/49€80,432€79,748€101,012▲ 26.7%
Equity10/15€56,821€71,186€72,648▲ 2.1%
Contributions10/11€3,000€3,000€3,000=
Reserves13--€69,648-
Distributable reserves133--€69,648-
Profit (loss) carried forward14€53,821€68,186€0▼ 100%
Amounts payable17/49€23,611€8,562€28,365▲ 231%
Amounts payable after more than one year17--€11,810-
Financial debts170/4--€11,810-
Amounts payable within one year42/48€23,611€8,531€16,531▲ 93.8%
Current portion of amounts payable after more than one year42--€9,160-
Trade debts44€124€573€260▼ 54.6%
Suppliers440/4€124€573€260▼ 54.6%
Taxes, remuneration and social security45€7,051€6,680€7,111▲ 6.4%
Taxes450/3€7,051€6,680€7,111▲ 6.4%
Other amounts payable47/48€16,435€1,277€0▼ 100%
Accrued charges and deferred income492/3-€32€23▼ 26.4%
Line202320242025Change
Profit (loss) for the period9904€62,987€16,083€1,462▼ 90.9%
+ Depreciation and write-downs630€8,518€9,537€7,627▼ 20.0%
Operating cash flow (approximation)€71,504€25,620€9,088▼ 64.5%
Investment in fixed assets (approximation)--€2,870-€23,749▼ 728%
Change in cash-€7,513-€4,945-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Filings with the National Bank (3)
Financial year Type Filed Reference
31-12-2025 micro format 10-07-2026 2026-00278579
31-12-2024 micro format 02-07-2025 2025-00213662
31-12-2023 micro format 26-06-2024 2024-00184247

Similar companies · same sector, comparable size

Of the 847 active companies whose main activity is risk and damage evaluation (NACE 66210), figures are known for 525. 440 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.

Directors

Directors
No directors read yet: 0 of 1 Gazette act processed. See the directors and other office holders in the KBO →

Owners and capital

Owners

No owners or capital events in the accounts and acts we read.

History

Archilo was incorporated on 9 November 2022 as a private limited company.1 Total assets rose from €80,432 in 2023 to €101,012 in 2025.2

  1. 1KBO register
  2. 2National Bank, annual accounts 2023 and 2025

Acts, filings and financial milestones

Next filing, financial year 2026, expected by 31-07-2027
2026
10-07
NBB filing Annual accounts filed
financial year 2025 · micro format
2025
31-12
Financial Weakest financial yearnet €1,462 ▼90.9%
Net result drops to €1,462, the lowest in the series.
02-07
NBB filing Annual accounts filed
financial year 2024 · micro format
2024
31-12
Financial Liquidity triplescurrent ratio 8.09
Current ratio from 2.67 to 8.09; short-term debt falls from €23,611 to €8,531.
26-06
NBB filing Annual accounts filed
financial year 2023 · micro format
Financial milestoneNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
0 of 1 deed read
About the unread acts

We know of 1 Belgian Official Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Register details

Identification
Legal formPrivate limited company
Founded09-11-2022
Financial year end31-12
Activities, NACEBEL 2025
66210Risk and damage evaluation
E-invoicing
Reachable via Peppol
Peppol ID 0208:0793459901
Registered 29-07-2024

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 26 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.

Sites & property

Location & real-estate footprint
Registered office, Lubbeek · 1 establishment unit since 2022
registered office establishment The establishment unit on the map
Ground area
1,513 m²
Building footprint
134 m²
Building volume
1,144 m³
Parcel 24090B0022/00F002, Flanders · tallest building 10.6 m. Linked by address, not a title deed.
1 establishment unit
Archilo
Steenrotsstraat(PEL) 6, 3212 LubbeekRisk and damage evaluation
since 2022unit no. 2.338.393.846
1 parcel
Flanders 1 (100%)
Cadastral parcel Region Area Buildings Height / floors
24090B0022/00F002 Flanders 1,513 m² 1 · 134 m² 10.6 m · 3
How the parcels are linked
Good to know
The parcel matches the address exactly.