ARCHITECT DEBOES A.
ActiveARCHITECT DEBOES A. has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €579k and a net result of €-42k. Equity is growing by ~9% per year across the filed fiscal years. Its solvency ranks better than 75% of 9450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability62▼-18
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 2.98 against 3.16 in 2024; short-term debt: 17.1% and cash: 10.9% of total assets), and 22.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers 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
77.7%
Return on assets
-5.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
25 d late
2024
21 d late
2023
29 d late
2022
31 d late
2021
78 d late
2020
145 d late
2019
56 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€579k▼ 6.7%
2024 · €621k
2018: €334k
2019: €361k
2020: €423k
2021: €476k
2022: €497k
2023: €549k
2024: €621k
2018 → 2025
Total assets
€745k▼ 8.5%
2024 · €814k
2018: €757k
2019: €768k
2020: €763k
2021: €777k
2022: €787k
2023: €816k
2024: €814k
2018 → 2025
Net result
€-42k
2024 · €72k
2018: €7k
2019: €27k
2020: €61k
2021: €53k
2022: €21k
2023: €52k
2024: €72k
2018 → 2025
Working capital
€253k▼ 12.5%
2024 · €289k
2018: €23k
2019: €50k
2020: €326k
2021: €330k
2022: €326k
2023: €354k
2024: €289k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€476k-€497k▲ 4.4%€549k▲ 10.5%€621k▲ 13.1%€579k▼ 6.7%
Operating result€74k-€28k▼ 62.6%€80k▲ 189%€103k▲ 29.0%€78k▼ 24.7%
Net result€53k-€21k▼ 61.0%€52k▲ 150%€72k▲ 37.5%€-42k
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 25% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €745k
Fixed assets
€365k▼ 6.8%
Current assets
€380k▼ 10.0%
Equity and liabilities €745k
Equity
€579k▼ 6.7%
Debt
€166k▼ 14.1%
The debt ratio falls from 23.7% to 22.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€104k▼
2024 · €130k
Cash flow
€-15k▼
2024 · €98k
Solvency
77.7%▲
2024 · 76.3%
Current ratio
2.98▼
2024 · 3.16
Quick ratio
2.66▼
2024 · 3.16
Debt / equity
0.29▼
2024 · 0.31
ROE
-7.2%▼
2024 · 11.6%
ROA
-5.6%▼
2024 · 8.8%
Interest coverage
55.54▲
2024 · 49.50
Debt
€166k▼
2024 · €193k
Debt ≤ 1 year
€128k▼
2024 · €134k
Debt > 1 year
€37k▼
2024 · €59k
Income taxes
€132▼
2024 · €35k
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€814k€745k▼
Fixed assets21/28€391k€365k▼
Tangible fixed assets22/27€391k€365k▼
Land and buildings22€361k€345k▼
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€24k€16k▼
Financial fixed assets28€34-
Current assets29/58€423k€380k▼
Stocks and contracts in progress3-€40k
Contracts in progress37-€40k
Amounts receivable within one year40/41€323k€255k▼
Trade receivables40€64k€52k▼
Other amounts receivable41€259k€203k▼
Cash at bank and in hand54/58€64k€81k▲
Deferred charges and accrued income490/1€36k€3k▼
Equity and liabilities
Total equity and liabilities10/49€814k€745k▼
Equity10/15€621k€579k▼
Contributions10/11€12k€12k=
Reserves13€609k€609k=
Distributable reserves133€609k€609k=
Profit (loss) carried forward14-€-42k
Amounts payable17/49€193k€166k▼
Amounts payable after more than one year17€59k€37k▼
Financial debts170/4€59k€37k▼
Amounts payable within one year42/48€134k€128k▼
Current portion of amounts payable after more than one year42€25k€21k▼
Trade debts44€14€23k▲
Suppliers440/4€14€23k▲
Taxes, remuneration and social security45€18k€10k▼
Taxes450/3€18k€10k▼
Other amounts payable47/48€91k€74k▼
Accrued charges and deferred income492/3€700€1k▲
Income statement
Code20242025
Non-recurring operating income76A-€7k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€27k▼
Other operating charges640/8€3k€4k▲
Gross operating margin9900€133k€108k▼
Operating profit (loss)9901€103k€78k▼
Financial income75/76B€6k€0▼
Recurring financial income75€6k€0▼
Financial charges65/66B€3k€120k▲
Recurring financial charges65€3k€2k▼
Non-recurring financial charges66B-€118k
Profit (loss) for the period before taxes9903€106k€-42k▼
Income taxes67/77€35k€132▼
Profit (loss) for the period9904€72k€-42k▼
Profit (loss) for the period to be appropriated9905€72k€-42k▼
Appropriation of the result
Profit (loss) to be appropriated9906€72k€-42k▼
Transfer to equity691/2€72k-
To other reserves6921€72k-
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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-12
Financial
Weakest financial yearnet €-42k ▼158%
Net result drops to €-42k, the lowest in the series.
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
31-12
Financial
Highest result since 2018net €72k ▲37.5%
Operating result €103k, net result €72k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Equity above €500kEq €549k ▲10.5%
6 profitable years in a row build equity to €549k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 78 days late
2021
23-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 145 days late
2020
31-12
Financial
Liquidity times 7current ratio 8.58
Current ratio from 1.16 to 8.58; short-term debt falls from €315k to €43k.
25-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 56 days late
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 91 days late
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, Zonhoven · 1 establishment unit since 1996
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.
Dijkbeemdenweg 583520 ZonhovenGround area
2,314 m²
Building footprint
581 m²
Parcel 71443F0013/00M000, Flanders. Linked by address, not a title deed.
1 establishment unit
Architect Deboes Annick
since 19962.213.279.880
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71443F0013/00M000 | Flanders | 2,314 m² | 1 · 581 m² | - |
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
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TWEELUWE
BE 0890.852.948
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AC2i
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BUREAU D'ARCHITECTURE GUY CIPLET
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Of 18,256 companies in sector 71111 we hold annual accounts for 6,321. 3,781 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-07-1996
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
74201Photography, excluding press photography
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.