ARCHIPEL
ActiveSummary
ARCHIPEL has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €95,553 and a net result of -€6,421. Equity is shrinking by ~4.4% per year across the filed fiscal years. Its solvency ranks better than 81% of 28051 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability62▲+2
Solvency100▲+8
Growth32=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7,000 at 30 days acceptable
Liquidity ample (current ratio 3.06 against 1.97 in 2024; short-term debt: 23.7% and cash: 16.3% of total assets), and 23.7% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more 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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€6,421
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 04-07-2026, 27 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
27 d early
2024
34 d early
2023
23 d early
2022
26 d early
2021
38 d early
2020
12 d late
2019
1 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 20 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% 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.
Companies Code · seven monthsPosition in the running window
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€95,553▼ 6.3%
2024 · €101,973
Total assets
€125,181▼ 17.2%
2024 · €151,179
Net result
-€6,421▲ 36.9%
2024 · -€10,183
Working capital
€60,966▲ 27.6%
2024 · €47,769
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€2,708-€3,931€14,409-€10,219-€6,305▲ 38.3%
Net result€2,258-€3,966€9,828-€10,183-€6,421▲ 36.9%
Equity€125,294▲ 1.8%€102,328▼ 18.3%€112,156▲ 9.6%€101,973▼ 9.1%€95,553▼ 6.3%
Total assets€168,907▲ 18.9%€160,573▼ 4.9%€185,983▲ 15.8%€151,179▼ 18.7%€125,181▼ 17.2%
Debt€43,613▲ 129%€58,245▲ 33.5%€73,827▲ 26.8%€49,205▼ 33.4%€29,628▼ 39.8%
Working capital€63,563▲ 18.0%€54,060▼ 14.9%€38,334▼ 29.1%€47,769▲ 24.6%€60,966▲ 27.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €6,305 in 2025 against €10,219 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €125,181
Fixed assets
€34,587 ▼ 36.2%
Current assets
€90,594 ▼ 6.6%
Equity and liabilities €125,181
Equity
€95,553 ▼ 6.3%
Debt
€29,628 ▼ 39.8%
Debt's share of the balance-sheet total falls from 32.5% to 23.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€13,313▲
2024 · €9,399
Cash flow
€13,197▲
2024 · €9,434
Current ratio
3.06▲
2024 · 1.97
Quick ratio
2.16▲
2024 · 1.43
Debt to equity
0.31▼
2024 · 0.48
ROE
-6.7%▲
2024 · -10.0%
ROA
-5.1%▲
2024 · -6.7%
Interest coverage
114.91▼
2024 · 133.51
Debt ≤ 1 year
€29,628▼
2024 · €49,205
Staff costs
€889
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | - | €889 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12,826 | €13,464 | €13,167 | €19,617 | €19,617 | = |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | -€1,262 | - | - | - | €1,685 | - |
| Other operating charges640/8 | €3,189 | €2,340 | €2,377 | €3,098 | €8,717 | ▲ 181% |
| Non-recurring operating charges66A | - | - | €0 | - | - | - |
| Gross operating margin9900 | €17,461 | €11,872 | €29,953 | €12,497 | €24,605 | ▲ 96.9% |
| Operating profit (loss)9901 | €2,708 | -€3,931 | €14,409 | -€10,219 | -€6,305 | ▲ 38.3% |
| Financial income75/76B | €8 | €39 | €0 | €6 | €0 | ▼ 97.8% |
| Recurring financial income75 | €8 | €39 | €0 | €6 | €0 | ▼ 97.8% |
| Non-recurring financial income76B | - | €0 | - | €0 | - | - |
| Financial charges65/66B | €225 | €74 | €119 | €70 | €116 | ▲ 64.6% |
| Recurring financial charges65 | €225 | €74 | €119 | €70 | €116 | ▲ 64.6% |
| Profit (loss) for the period before taxes9903 | €2,492 | -€3,966 | €14,291 | -€10,283 | -€6,421 | ▲ 37.6% |
| Income taxes67/77 | €234 | - | €4,462 | -€100 | - | - |
| Profit (loss) for the period9904 | €2,258 | -€3,966 | €9,828 | -€10,183 | -€6,421 | ▲ 36.9% |
| Profit (loss) for the period to be appropriated9905 | €2,258 | -€3,966 | €9,828 | -€10,183 | -€6,421 | ▲ 36.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €168,907 | €160,573 | €185,983 | €151,179 | €125,181 | ▼ 17.2% |
| Fixed assets21/28 | €61,731 | €48,268 | €73,822 | €54,204 | €34,587 | ▼ 36.2% |
| Tangible fixed assets22/27 | €61,461 | €47,998 | €73,552 | €53,934 | €34,317 | ▼ 36.4% |
| Land and buildings22 | €52,882 | €42,165 | €31,628 | €21,090 | €10,552 | ▼ 50.0% |
| Plant, machinery and equipment23 | - | - | €23,879 | €18,965 | €14,051 | ▼ 25.9% |
| Furniture and vehicles24 | €8,580 | €5,832 | €18,045 | €13,880 | €9,714 | ▼ 30.0% |
| Financial fixed assets28 | €270 | €270 | €270 | €270 | €270 | = |
| Current assets29/58 | €107,176 | €112,305 | €112,162 | €96,974 | €90,594 | ▼ 6.6% |
| Stocks and contracts in progress3 | €21,449 | €25,711 | €27,458 | €26,533 | €26,720 | ▲ 0.7% |
| Stocks30/36 | €16,095 | €20,357 | €22,105 | €16,179 | €21,720 | ▲ 34.2% |
| Contracts in progress37 | €5,354 | €5,354 | €5,354 | €10,354 | €5,000 | ▼ 51.7% |
| Amounts receivable within one year40/41 | €53,204 | €71,969 | €61,474 | €31,959 | €43,522 | ▲ 36.2% |
| Trade receivables40 | €49,185 | €71,476 | €51,102 | €31,389 | €40,338 | ▲ 28.5% |
| Other amounts receivable41 | €4,020 | €493 | €10,372 | €570 | €3,183 | ▲ 458% |
| Cash at bank and in hand54/58 | €31,731 | €14,626 | €23,229 | €38,483 | €20,353 | ▼ 47.1% |
| Deferred charges and accrued income490/1 | €792 | - | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €168,907 | €160,573 | €185,983 | €151,179 | €125,181 | ▼ 17.2% |
| Equity10/15 | €125,294 | €102,328 | €112,156 | €101,973 | €95,553 | ▼ 6.3% |
| Contributions10/11 | €61,999 | €61,999 | €61,999 | €61,999 | €61,999 | = |
| Reserves13 | €51,477 | €32,477 | €41,477 | €41,477 | €41,477 | = |
| Non-distributable reserves130/1 | €5,477 | €5,477 | - | - | - | - |
| Reserves not available under the articles1311 | €5,477 | €5,477 | - | - | - | - |
| Tax-exempt reserves132 | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Distributable reserves133 | €26,000 | €7,000 | €21,477 | €21,477 | €21,477 | = |
| Profit (loss) carried forward14 | €11,818 | €7,852 | €8,680 | -€1,503 | -€7,924 | ▼ 427% |
| Amounts payable17/49 | €43,613 | €58,245 | €73,827 | €49,205 | €29,628 | ▼ 39.8% |
| Amounts payable within one year42/48 | €43,613 | €58,245 | €73,827 | €49,205 | €29,628 | ▼ 39.8% |
| Trade debts44 | €31,757 | €5,776 | €10,250 | €13,657 | €5,256 | ▼ 61.5% |
| Suppliers440/4 | €31,757 | €5,776 | €10,250 | €13,657 | €5,256 | ▼ 61.5% |
| Advances received on contracts in progress46 | €17 | - | €359 | - | €2,300 | - |
| Taxes, remuneration and social security45 | €4,181 | €1,179 | €6,411 | €5,827 | €425 | ▼ 92.7% |
| Taxes450/3 | €1,937 | €1,179 | €6,411 | €5,827 | - | - |
| Remuneration and social security454/9 | €2,244 | - | - | - | €425 | - |
| Other amounts payable47/48 | €7,658 | €51,290 | €56,807 | €29,721 | €21,648 | ▼ 27.2% |
| Accrued charges and deferred income492/3 | - | - | €0 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,258 | -€3,966 | €9,828 | -€10,183 | -€6,421 | ▲ 36.9% |
| + Depreciation and write-downs630 | €12,826 | €13,464 | €13,167 | €19,617 | €19,617 | = |
| Operating cash flow (approximation) | €15,083 | €9,497 | €22,995 | €9,434 | €13,197 | ▲ 39.9% |
| Investment in fixed assets (approximation) | - | €0 | -€38,721 | €0 | €0 | - |
| Change in cash | - | -€17,105 | €8,604 | €15,253 | -€18,130 | ▼ 219% |
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
04-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet -€10,183
Net result drops to -€10,183, the lowest in the series; recovery starts the following year.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €9,828
Net result €9,828 after one loss-making year.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €2,258
Net result €2,258 after one loss-making year.
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €8,045
Net result €8,045 after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 7 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Lasne · 1 establishment unit since 1997
Ground area
913 m²
Building footprint
249 m²
Volume, LiDAR
2,252 m³
Parcel 25076A0214/00L000, Wallonia · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue aux Fleurs 33, 1380 Lasne
since 19972.081.667.114
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25076A0214/00L000 | Wallonia | 913 m² | 1 · 249 m² | 10.8 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.
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INTER ROSS
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Of 8,462 companies in sector 43120 we hold annual accounts for 3,231. 2,645 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
Founded18-04-1997
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43120Site preparation
43990Other specialised construction activities
47521Retail sale of hardware, building materials, paint and glass (general range)
Contact
E-mail
archipelsrl@gmail.com
Scores and ratios are computed by Checked and are not a credit decision.