Architect Eli Declercq
ActiveSummary
Architect Eli Declercq has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €68k and a net result of €7k. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 34% of 9494 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability73▲+45
Solvency62▲+6
Growth32=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 5.02 against 2.79 in 2024; short-term debt: 11.4% and cash: 14.3% of total assets), but 63.3% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
Architectural and engineering activities; technical testing and analysis (NACE 71)
about 56% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 · 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
36.7%
Return on assets
3.7%
Age of the figures
9 mo
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 13-07-2026, 18 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
18 d early
2024
30 d early
2023
26 d late
2022
7 d late
2021
19 d late
2020
23 d early
2019
28 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
€68k▲ 11.2%
2024 · €61k
Total assets
€185k▼ 6.5%
2024 · €198k
Net result
€7k
2024 · €-20k
Working capital
€85k▲ 37.6%
2024 · €62k
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€7k▼ 64.1%€-1k€-3k▼ 150%€-19k▼ 500%€9k
Net result€3k▼ 78.3%€-4k€-5k▼ 18.4%€-20k▼ 319%€7k
Equity€90k▲ 3.0%€86k▼ 4.5%€81k▼ 5.5%€61k▼ 24.5%€68k▲ 11.2%
Total assets€260k▼ 2.2%€240k▼ 7.7%€235k▼ 2.3%€198k▼ 15.7%€185k▼ 6.5%
Debt€171k▼ 4.8%€155k▼ 9.4%€154k▼ 0.5%€137k▼ 11.0%€117k▼ 14.3%
Working capital€104k▲ 7.6%€92k▼ 11.6%€75k▼ 17.9%€62k▼ 18.1%€85k▲ 37.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €9k after a loss of €19k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €185k
Fixed assets
€79k ▼ 22.3%
Current assets
€106k ▲ 10.2%
Equity and liabilities €185k
Equity
€68k ▲ 11.2%
Debt
€117k ▼ 14.3%
Debt's share of the balance-sheet total falls from 69.1% to 63.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€32k▲
2024 · €4k
Cash flow
€30k▲
2024 · €3k
Current ratio
5.02▲
2024 · 2.79
Debt to equity
1.72▼
2024 · 2.24
ROE
10.1%▲
2024 · -32.5%
ROA
3.7%▲
2024 · -10.0%
Interest coverage
14.18▲
2024 · 2.59
Debt ≤ 1 year
€21k▼
2024 · €35k
Debt > 1 year
€96k▼
2024 · €102k
Income taxes
€141▼
2024 · €152
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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €1k | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €18k | €21k | €22k | €23k | €23k | ▼ 2.8% |
| Other operating charges640/8 | €327 | €980 | €820 | €123 | €19 | ▼ 84.6% |
| Gross operating margin9900 | €25k | €21k | €20k | €4k | €32k | ▲ 661% |
| Operating profit (loss)9901 | €7k | €-1k | €-3k | €-19k | €9k | ▲ 147% |
| Financial income75/76B | €139 | €269 | €222 | €1k | €242 | ▼ 78.4% |
| Recurring financial income75 | €139 | €269 | €222 | €1k | €242 | ▼ 78.4% |
| Financial charges65/66B | €2k | €3k | €2k | €2k | €2k | ▲ 43.3% |
| Recurring financial charges65 | €2k | €3k | €2k | €2k | €2k | ▲ 43.3% |
| Profit (loss) for the period before taxes9903 | €5k | €-4k | €-5k | €-20k | €7k | ▲ 136% |
| Income taxes67/77 | €2k | €174 | €163 | €152 | €141 | ▼ 7.4% |
| Profit (loss) for the period9904 | €3k | €-4k | €-5k | €-20k | €7k | ▲ 135% |
| Profit (loss) for the period to be appropriated9905 | €3k | €-4k | €-5k | €-20k | €7k | ▲ 135% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €260k | €240k | €235k | €198k | €185k | ▼ 6.5% |
| Fixed assets21/28 | €133k | €129k | €125k | €102k | €79k | ▼ 22.3% |
| Tangible fixed assets22/27 | €132k | €129k | €124k | €101k | €78k | ▼ 22.4% |
| Land and buildings22 | €83k | €78k | €80k | €74k | €68k | ▼ 8.4% |
| Plant, machinery and equipment23 | €4k | €5k | €13k | €10k | €8k | ▼ 27.7% |
| Furniture and vehicles24 | €46k | €46k | €31k | €16k | €3k | ▼ 82.1% |
| Financial fixed assets28 | €750 | €750 | €750 | €750 | €750 | = |
| Current assets29/58 | €127k | €111k | €110k | €96k | €106k | ▲ 10.2% |
| Amounts receivable within one year40/41 | €105k | €80k | €87k | €77k | €77k | = |
| Trade receivables40 | €101k | €72k | €80k | €73k | €73k | ▲ 0.2% |
| Other amounts receivable41 | €4k | €8k | €7k | €4k | €4k | ▼ 3.5% |
| Cash at bank and in hand54/58 | €20k | €28k | €18k | €17k | €27k | ▲ 60.7% |
| Deferred charges and accrued income490/1 | €2k | €3k | €5k | €3k | €3k | ▼ 6.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €260k | €240k | €235k | €198k | €185k | ▼ 6.5% |
| Equity10/15 | €90k | €86k | €81k | €61k | €68k | ▲ 11.2% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €71k | €67k | €67k | €67k | €67k | = |
| Non-distributable reserves130/1 | €2k | €2k | - | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | - | - | - | - |
| Distributable reserves133 | €69k | €65k | €67k | €67k | €67k | = |
| Profit (loss) carried forward14 | - | - | €-5k | €-25k | €-18k | ▲ 27.9% |
| Amounts payable17/49 | €171k | €155k | €154k | €137k | €117k | ▼ 14.3% |
| Amounts payable after more than one year17 | €147k | €136k | €120k | €102k | €96k | ▼ 6.1% |
| Financial debts170/4 | €147k | €136k | €120k | €102k | €96k | ▼ 6.1% |
| Amounts payable within one year42/48 | €23k | €19k | €34k | €35k | €21k | ▼ 38.8% |
| Current portion of amounts payable after more than one year42 | €15k | €16k | €16k | €16k | €6k | ▼ 61.7% |
| Trade debts44 | €3k | €1k | €14k | €1k | €632 | ▼ 40.0% |
| Suppliers440/4 | €3k | €1k | €14k | €1k | €632 | ▼ 40.0% |
| Taxes, remuneration and social security45 | €4k | €429 | - | €3k | - | - |
| Taxes450/3 | €992 | €429 | - | - | - | - |
| Remuneration and social security454/9 | €3k | - | - | €3k | - | - |
| Other amounts payable47/48 | €1k | €1k | €4k | €15k | €14k | ▼ 2.9% |
| Accrued charges and deferred income492/3 | - | - | - | €27 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3k | €-4k | €-5k | €-20k | €7k | ▲ 135% |
| + Depreciation and write-downs630 | €18k | €21k | €22k | €23k | €23k | ▼ 2.8% |
| Operating cash flow (approximation) | €21k | €17k | €18k | €3k | €30k | ▲ 756% |
| Investment in fixed assets (approximation) | - | €-17k | €-18k | €0 | €0 | - |
| Change in cash | - | €8k | €-9k | €-2k | €10k | ▲ 643% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €7k
Net result €7k after 3 loss-making years.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-20k
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
07-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 7 days late
2022
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
2021
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity triplescurrent ratio 6.03
Current ratio from 1.96 to 6.03; short-term debt falls from €64k to €19k.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 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, Wuustwezel · 1 establishment unit since 2018
Ground area
1,587 m²
Building footprint
295 m²
Volume, LiDAR
3,056 m³
2 parcels, Flanders · tallest building 27.0 m, ±9 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Architect Eli Declercq
since 20182.282.206.496
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11682H0006/00M003 | Flanders | 1,370 m² | 1 · 160 m² | 0.1 m |
| 35013A1595/00H034 | Flanders | 216 m² | 1 · 135 m² | 27.0 m · 9 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 18,249 companies in sector 71111 we hold annual accounts for 6,319. 5,457 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
Founded21-11-2018
Fiscal year end31-12
Activities, NACEBEL 2025
71111Activities of building architects
Scores and ratios are computed by Checked and are not a credit decision.