Archipel Immo
ActiveSummary
The annual accounts of Archipel Immo for fiscal year 2025 show a net loss of 120% of total assets and of 2,438% of the equity at the start of that year. The 2025 annual accounts show equity of €1k and a net result of €-598k. Equity is shrinking by ~75.3% per year across the filed fiscal years. Its solvency ranks better than 20% of 14128 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-26
Solvency25▼-1
Growth32=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 6.89 against 1.01 in 2024; short-term debt: 11.3% and cash: 66.4% of total assets), but 99.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
0.2%
Return on assets
-120.3%
Age of the figures
9 mo
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
2122232425
2021 to 2025 · latest year €-598k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 14128 sector peers (2025).
NBB · sector comparisonPosition among 14128 sector peers
Solvency
better than 20%
← weakest
strongest →
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 21-05-2026, 71 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
71 d early
2024
48 d early
2023
27 d early
2022
40 d early
2021
31 d late
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1k▼ 95.3%
2024 · €25k
2021: €425khighest in 5 years
2022: €342k▼ -19.6% vs 2021
2023: €214k▼ -37.5% vs 2022
2024: €25k▼ -88.5% vs 2023
2025: €1k▼ -95.3% vs 2024lowest in 5 years
2021 → 2025
Total assets
€497k▼ 87.8%
2024 · €4.07M
2021: €2.20M
2022: €2.20M▲ +0.2% vs 2021
2023: €2.46M▲ +11.4% vs 2022
2024: €4.07M▲ +65.7% vs 2023highest in 5 years
2025: €497k▼ -87.8% vs 2024lowest in 5 years
2021 → 2025
Net result
€-598k▼ 216%
2024 · €-189k
2021: €-75khighest in 5 years
2022: €-83k▼ -11.7% vs 2021
2023: €-128k▼ -54.2% vs 2022
2024: €-189k▼ -47.5% vs 2023
2025: €-598k▼ -216% vs 2024lowest in 5 years
2021 → 2025
Working capital
€332k▲ 822%
2024 · €36k
2021: €425khighest in 5 years
2022: €342k▼ -19.6% vs 2021
2023: €291k▼ -15.0% vs 2022
2024: €36k▼ -87.6% vs 2023lowest in 5 years
2025: €332k▲ +822% vs 2024
2021 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€425k-€342k▼ 19.6%€214k▼ 37.5%€25k▼ 88.5%€1k▼ 95.3%
2021: €425khighest in 5 years
2022: €342k▼ -19.6% vs 2021
2023: €214k▼ -37.5% vs 2022
2024: €25k▼ -88.5% vs 2023
2025: €1k▼ -95.3% vs 2024lowest in 5 years
Operating result€-20k-€-2k▲ 89.7%€-5k▼ 148%€-764▲ 84.9%€-498k▼ 65,097%
2021: €-20k
2022: €-2k▲ +89.7% vs 2021
2023: €-5k▼ -148% vs 2022
2024: €-764▲ +84.9% vs 2023highest in 5 years
2025: €-498k▼ -65097% vs 2024lowest in 5 years
Net result€-75k-€-83k▼ 11.7%€-128k▼ 54.2%€-189k▼ 47.5%€-598k▼ 216%
2021: €-75khighest in 5 years
2022: €-83k▼ -11.7% vs 2021
2023: €-128k▼ -54.2% vs 2022
2024: €-189k▼ -47.5% vs 2023
2025: €-598k▼ -216% vs 2024lowest in 5 years
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 €498k in 2025 against €764 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €497k
Fixed assets
€109k
Current assets
€388k
Equity and liabilities €497k
Equity
€1k ▼ 95.3%
Debt
€496k ▼ 87.7%
Debt's share of the balance-sheet total rises from 99.4% to 99.8%. Equity and debt are lower.
Key figures and ratios
Current ratio
6.89▲
2024 · 1.01
ROA
-120.3%▼
2024 · -4.7%
Debt ≤ 1 year
€56k▼
2024 · €4.03M
Debt > 1 year
€356k
A ratio outside any meaningful range has been withheld (balance sheet total €497k, equity €1k).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€4.07M€497k▼
Fixed assets21/28-€109k
Tangible fixed assets22/27-€109k
Other tangible fixed assets26-€109k
Current assets29/58€4.07M€388k▼
Stocks and contracts in progress3€3.32M-
Stocks30/36€3.32M-
Amounts receivable within one year40/41€272-
Other amounts receivable41€272-
Cash at bank and in hand54/58€746k€330k▼
Deferred charges and accrued income490/1-€57k
Equity and liabilities
Total equity and liabilities10/49€4.07M€497k▼
Equity10/15€25k€1k▼
Contributions10/11€500k€1.08M▲
Profit (loss) carried forward14€-475k€-1.07M▼
Amounts payable17/49€4.05M€496k▼
Amounts payable after more than one year17-€356k
Financial debts170/4-€356k
Amounts payable within one year42/48€4.03M€56k▼
Current portion of amounts payable after more than one year42-€20k
Financial debts43€4.03M-
Credit institutions430/8€4.03M-
Trade debts44€1k€18k▲
Suppliers440/4€1k€18k▲
Taxes, remuneration and social security45-€3k
Taxes450/3-€3k
Other amounts payable47/48€3k€15k▲
Accrued charges and deferred income492/3€11k€84k▲
Income statement
Code20242025
Other operating charges640/8€968€998▲
Gross operating margin9900€203€-497k▼
Operating profit (loss)9901€-764€-498k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€189k€100k▼
Recurring financial charges65€189k€100k▼
Profit (loss) for the period before taxes9903€-189k€-598k▼
Profit (loss) for the period9904€-189k€-598k▼
Profit (loss) for the period to be appropriated9905€-189k€-598k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-475k€-1.07M▼
Profit (loss) brought forward from the previous period14P€-286k€-475k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | €695 | €348 | €960 | €968 | €998 | ▲ 3.2% |
| Gross operating margin9900 | €-19k | €-2k | €-4k | €203 | €-497k | ▼ 244,795% |
| Operating profit (loss)9901 | €-20k | €-2k | €-5k | €-764 | €-498k | ▼ 65,097% |
| Financial income75/76B | - | - | - | - | €0 | - |
| Recurring financial income75 | - | - | - | - | €0 | - |
| Financial charges65/66B | €55k | €81k | €123k | €189k | €100k | ▼ 46.9% |
| Recurring financial charges65 | €55k | €81k | €123k | €189k | €100k | ▼ 46.9% |
| Profit (loss) for the period before taxes9903 | €-75k | €-83k | €-128k | €-189k | €-598k | ▼ 216% |
| Profit (loss) for the period9904 | €-75k | €-83k | €-128k | €-189k | €-598k | ▼ 216% |
| Profit (loss) for the period to be appropriated9905 | €-75k | €-83k | €-128k | €-189k | €-598k | ▼ 216% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.20M | €2.20M | €2.46M | €4.07M | €497k | ▼ 87.8% |
| Fixed assets21/28 | - | - | - | - | €109k | - |
| Tangible fixed assets22/27 | - | - | - | - | €109k | - |
| Other tangible fixed assets26 | - | - | - | - | €109k | - |
| Current assets29/58 | €2.20M | €2.20M | €2.46M | €4.07M | €388k | ▼ 90.5% |
| Stocks and contracts in progress3 | €1.76M | €1.85M | €2.41M | €3.32M | - | - |
| Stocks30/36 | €1.76M | €1.85M | €2.41M | €3.32M | - | - |
| Amounts receivable within one year40/41 | €5k | €4k | €62 | €272 | - | - |
| Other amounts receivable41 | €5k | €4k | €62 | €272 | - | - |
| Cash at bank and in hand54/58 | €437k | €352k | €44k | €746k | €330k | ▼ 55.7% |
| Deferred charges and accrued income490/1 | - | - | - | - | €57k | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.20M | €2.20M | €2.46M | €4.07M | €497k | ▼ 87.8% |
| Equity10/15 | €425k | €342k | €214k | €25k | €1k | ▼ 95.3% |
| Contributions10/11 | €500k | €500k | €500k | €500k | €1.08M | ▲ 115% |
| Profit (loss) carried forward14 | €-75k | €-158k | €-286k | €-475k | €-1.07M | ▼ 126% |
| Amounts payable17/49 | €1.77M | €1.86M | €2.24M | €4.05M | €496k | ▼ 87.7% |
| Amounts payable after more than one year17 | - | - | - | - | €356k | - |
| Financial debts170/4 | - | - | - | - | €356k | - |
| Amounts payable within one year42/48 | €1.77M | €1.86M | €2.17M | €4.03M | €56k | ▼ 98.6% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €20k | - |
| Financial debts43 | €1.77M | €1.85M | €2.16M | €4.03M | - | - |
| Credit institutions430/8 | €1.77M | €1.85M | €2.16M | €4.03M | - | - |
| Trade debts44 | €9k | €9k | €9k | €1k | €18k | ▲ 1,434% |
| Suppliers440/4 | €9k | €9k | €9k | €1k | €18k | ▲ 1,434% |
| Taxes, remuneration and social security45 | - | - | - | - | €3k | - |
| Taxes450/3 | - | - | - | - | €3k | - |
| Other amounts payable47/48 | €90 | €90 | €90 | €3k | €15k | ▲ 390% |
| Accrued charges and deferred income492/3 | - | - | €77k | €11k | €84k | ▲ 633% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-75k | €-83k | €-128k | €-189k | €-598k | ▼ 216% |
| Operating cash flow (approximation) | €-75k | €-83k | €-128k | €-189k | €-598k | ▼ 216% |
| Change in cash | - | €-85k | €-308k | €703k | €-416k | ▼ 159% |
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
21-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-598k
Net result drops to €-598k, the lowest in the series.
31-12
Financial
Liquidity times 7current ratio 6.89
Current ratio from 1.01 to 6.89; short-term debt falls from €4.03M to €56k.
13-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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 · 1 establishment unit since 2020
Ground area
3,336 m²
Building footprint
975 m²
Parcel 24062A1122/00A000, Flanders. Linked by address, not a title deed.
21
companies at this address
See who is registered here
1 establishment unit
Archipel Immo
since 20202.302.927.082
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24062A1122/00A000 | Flanders | 3,336 m² | 1 · 975 m² | - |
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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
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Of 7,321 companies in sector 68110 we hold annual accounts for 5,384. 515 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
Founded29-05-2020
Fiscal year end31-12
Activities, NACEBEL 2025
68110Buying and selling of own real estate
Scores and ratios are computed by Checked and are not a credit decision.