Summary
ARCHIPEL 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 €28,291 and a net result of -€16,136. Equity is growing by ~28% per year across the filed fiscal years. Its solvency ranks better than 13% of 8061 sector peers (fiscal year 2025). The company has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals.
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.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 8061 sector peers (2025).
NBB · sector comparisonPosition among 8061 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 01-12-2025, 61 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
61 d early
2024
49 d early
2023
44 d early
2022
43 d early
2021
45 d early
2020
2 d early
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 35 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close26-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#2 oldest company in Hove, Finance and insurance sector
Equity
€28,291▼ 36.3%
2024 · €44,427
Net result
-€16,136
2024 · €46,236
Total assets
€436,240▲ 716%
2024 · €53,476
Solvency
6.5%▼ 76.6pp
2024 · 83.1%
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-€8,330▲ 42.2%€10,636€74,730▲ 603%€46,389▼ 37.9%-€17,673
Net result-€8,388€10,490€74,592▲ 611%€46,236▼ 38.0%-€16,136
Equity-€86,891▼ 10.7%-€76,401▲ 12.1%-€1,809▲ 97.6%€44,427€28,291▼ 36.3%
Total assets€6,720▲ 2,877%€13,843▲ 106%€41,791▲ 202%€53,476▲ 28.0%€436,240▲ 716%
Debt€93,610▲ 18.9%€90,243▼ 3.6%€43,600▼ 51.7%€9,049▼ 79.2%€407,949▲ 4,408%
Working capital-€86,891▼ 10.7%-€76,401▲ 12.1%-€1,809▲ 97.6%€44,427-€306,270
Solvency-1293.1%▲ 33487.2pp-551.9%▲ 741.2pp-4.3%▲ 547.6pp83.1%▲ 87.4pp6.5%▼ 76.6pp
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €17,673 after €46,389 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €436,240
Fixed assets
€334,561
Current assets
€101,679
Equity and liabilities €436,240
Equity
€28,291 ▼ 36.3%
Debt
€407,949 ▲ 4,408%
Debt's share of the balance-sheet total rises from 16.9% to 93.5%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-57.0%▼
2024 · 104.1%
ROA
-3.7%▼
2024 · 86.5%
Debt ≤ 1 year
€407,949▲
2024 · €9,049
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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | - | - | €2,884 | - |
| Other operating charges640/8 | - | €102 | €109 | €0 | €26,302 | - |
| Non-recurring operating charges66A | - | - | - | - | €33,202 | - |
| Gross operating margin9900 | -€8,229 | €10,738 | €74,839 | €46,389 | €44,715 | ▼ 3.6% |
| Operating profit (loss)9901 | -€8,330 | €10,636 | €74,730 | €46,389 | -€17,673 | ▼ 138% |
| Financial income75/76B | - | - | - | - | €1,692 | - |
| Recurring financial income75 | - | - | - | - | €1,692 | - |
| Financial charges65/66B | - | €146 | €138 | €153 | €155 | ▲ 1.0% |
| Recurring financial charges65 | €58 | €146 | €138 | €153 | €155 | ▲ 1.0% |
| Profit (loss) for the period before taxes9903 | -€8,388 | €10,490 | €74,592 | €46,236 | -€16,136 | ▼ 135% |
| Profit (loss) for the period9904 | -€8,388 | €10,490 | €74,592 | €46,236 | -€16,136 | ▼ 135% |
| Profit (loss) for the period to be appropriated9905 | -€8,388 | €10,490 | €74,592 | €46,236 | -€16,136 | ▼ 135% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €6,720 | €13,843 | €41,791 | €53,476 | €436,240 | ▲ 716% |
| Fixed assets21/28 | - | - | - | - | €334,561 | - |
| Tangible fixed assets22/27 | - | - | - | - | €334,561 | - |
| Land and buildings22 | - | - | - | - | €297,408 | - |
| Furniture and vehicles24 | - | - | - | - | €37,154 | - |
| Current assets29/58 | €6,720 | €13,843 | €41,791 | €53,476 | €101,679 | ▲ 90.1% |
| Amounts receivable within one year40/41 | €6,550 | €13,761 | €41,658 | €52,533 | €11,129 | ▼ 78.8% |
| Trade receivables40 | - | €13,761 | €41,658 | €29,500 | €11,128 | ▼ 62.3% |
| Other amounts receivable41 | - | - | - | €23,033 | €1 | ▼ 100.0% |
| Cash at bank and in hand54/58 | €170 | €82 | €133 | €943 | €90,550 | ▲ 9,498% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €6,720 | €13,843 | €41,791 | €53,476 | €436,240 | ▲ 716% |
| Equity10/15 | -€86,891 | -€76,401 | -€1,809 | €44,427 | €28,291 | ▼ 36.3% |
| Contributions10/11 | €537,929 | €537,929 | €537,929 | €537,929 | €537,929 | = |
| Capital10 | - | €537,929 | €537,929 | €537,929 | - | - |
| Issued capital100 | - | €537,929 | €537,929 | €537,929 | - | - |
| Profit (loss) carried forward14 | -€624,820 | -€614,330 | -€539,737 | -€493,502 | -€509,638 | ▼ 3.3% |
| Amounts payable17/49 | €93,610 | €90,243 | €43,600 | €9,049 | €407,949 | ▲ 4,408% |
| Amounts payable within one year42/48 | €93,610 | €90,243 | €43,600 | €9,049 | €407,949 | ▲ 4,408% |
| Trade debts44 | €1,447 | €1,107 | €1,439 | €526 | €2,457 | ▲ 367% |
| Suppliers440/4 | - | €1,107 | €1,439 | €526 | €2,457 | ▲ 367% |
| Taxes, remuneration and social security45 | - | €4,531 | €2,736 | €2,668 | €9,543 | ▲ 258% |
| Taxes450/3 | - | €4,531 | €2,736 | €2,668 | €9,543 | ▲ 258% |
| Other amounts payable47/48 | - | €84,606 | €39,424 | €5,855 | €395,949 | ▲ 6,663% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€8,388 | €10,490 | €74,592 | €46,236 | -€16,136 | ▼ 135% |
| + Depreciation and write-downs630 | - | - | - | - | €2,884 | - |
| Operating cash flow (approximation) | -€8,388 | €10,490 | €74,592 | €46,236 | -€13,252 | ▼ 129% |
| Change in cash | - | -€88 | €51 | €810 | €89,607 | ▲ 10,957% |
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
26-08
State Gazette act
Capital & shares · Statutes amendmentAuditor report · Capital increase6 facts ▸
State Gazette act
Capital & shares · Statutes amendment
Auditor report · Capital increase6 facts ▸
- General meeting, buitengewone algemene vergadering
- Auditor report, geen vaststellingen van materieel belang, EUR
- Other statement, geen uitspraak over geschiktheid,opportuniteit,waardering vergoeding,rechtmatigheid en billijkheid, no fairness opinion
- Auditor report, 30-07-2026
- Capital increase, €895.000,4
- Statutes amendment, 6
2025
01-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Weakest financial yearnet -€16,136
Net result drops to -€16,136, the lowest in the series.
2024
13-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Liquidity times 6current ratio 5.91
Current ratio from 0.96 to 5.91; short-term debt falls from €43,600 to €9,049.
2023
18-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Highest result since 2019net €74,592 ▲611%
Operating result €74,730, net result €74,592, both a record.
2022
19-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Back to profitnet €10,490
Net result €10,490 after one loss-making year.
2021
17-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2018
30-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
26-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 24 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 5 acts read
About the unread acts
Of the 5 Belgian State Gazette acts we know for this company, 1 has been read. The other 4 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Hove · 1 establishment unit since 2000
Ground area
943 m²
Building footprint
148 m²
Volume, LiDAR
704 m³
Parcel 11021B0100/00C000, Flanders · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Leon Dumortierstraat 21, 2540 Hove
since 20002.084.391.428
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11021B0100/00C000 | Flanders | 943 m² | 1 · 148 m² | 7.0 m · 2 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.
Articles of association
Other statement
Verantwoordelijkheid bestuursorgaan inbreng en uitgifte
Verantwoordelijkheid bedrijfsrevisor inbreng
1 more provision on this in the deed
Structure & network
Connections & network
No current directors or connected companies found in the register.
Capital and shareholders
Capital over the years
- 26-08-2026 Capital increase of 895,000.40 EUR · 68,635 new shares
Similar companies · same sector, comparable size
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JUVA
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PAUL DE WAEL
BE 0566.975.985
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ZEPPI
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VANAERSCHOT
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Of 24,730 companies in sector 64210 we hold annual accounts for 19,772. 8,623 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
Founded05-11-1997
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
70100Activities of head offices
Contact
E-mail
van-damme@skynet.beHove
Phone
0495233067Hove
Scores and ratios are computed by Checked and are not a credit decision.