Equity
€3,502 from €50,891 in 2024
Equity fell by 93% in 1 year.
ARCHITECT ML
Lifetime
5 annual accounts with figures on one time axispeak €52,768 (2021)
€11,988▼ 24.4%
peak €32,644 (2021)
€611▼ 76.6%
peak €50,891 (2024)
€3,502▼ 93.1%
€58,027▲ 370%
Board1 name since 2020
1 directorSABBE Marie-Lou Nancy
Documentsfilings and deeds
09-03-202652 days before the deadline
2025micro format
Gross margin from €15,860 to €11,988Result from €2,608 to €611Dividend €48,000Equity from €50,891 to €3,502Debts from €12,345 to €58,027Cash from €13,851 to €36,443
Key points
from the 2025 annual accountsTurnover
≈ €55,000 estimated
The micro format states no turnover.
Debts
€58,027 94% of the balance sheet
Suppliers 4%Taxes and wages 10%Other 86%
Liquidity
1.04 was 4.97 in 2024
Short-term debts rose from €10,997 to €58,027.
Filings
5 annual accounts since 2021
The last five annual accounts were filed 26 to 52 days before the end of the period.
Position in the sector
€3,502
Less equity than 88% of companies in head offices and management consultancy. Sector median €78,216 · 39,400 companies.
Checked score
85
Excellent
Financially stronger than 21% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,572 companies (NACE 70, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%lowest value
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: 0.1%▲ +0.1 percentage points vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.2%▲ +0.1 percentage points vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.1%▼ -0.1 percentage points vs 05-2026
07-2026: 0.2%▲ +0.1 percentage points vs 06-2026
08-2026: 0.2%● unchanged vs 07-2026
09-2026: 0.2%● unchanged vs 08-2026highest value
10-2026: 0.2%● unchanged vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
1 change of registered office in 24 months
Equity €3,502 (5.7% of total assets)
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Liquidity: current ratio 1.04, cash €36,443
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 14% of them on solvency, 33% on liquidity, 33% on profitability and 5% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-09-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,251 companies had the same profile as ARCHITECT ML has now. Each dot stands for 4 companies, two years later.
94.4%
were still trading
2.7%
stopped another way
2.6%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of ARCHITECT ML itself is lower: 0.2% within 12 months. It rests on far more data about ARCHITECT ML than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,251 companies, not a prediction for ARCHITECT ML. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 39368 sector peers (2025).
NBB · sector comparisonPosition among 39368 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 09-03-2026, 52 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
52 days early
2024
30 days early
2023
26 days early
2022
27 days early
2021
32 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 33 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 31 March (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end10-11-2026 today30-04-2027 deadline
Recent changes
Registered office moved from Knokke-Heist to Oostkamp
New registered office: Wollestraat 39 te 8020 Oostkamp · Previous registered office: Heistlaan 54 te 8301 Knokke-Heist · Board meeting of 15-02-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0746446276
Registered office moved within Knokke-Heist
New registered office: Heistlaan 54, 8301 Knokke-Heist · Previous registered office: Noordstraat 38, 8301 Knokke-Heist · Board meeting of 26-12-2023 · Gazette deed
Registered office moved from Maldegem to Knokke-Heist
New registered office: Noordstraat 38, 8301 Knokke-Heist · Previous registered office: Donkstraat 128 D, 9990 Maldegem · Board meeting of 14-09-2021 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| ARCHITECT ML Oostkamp | €61,529 | €11,988 | 5.7% | - |
| DEWAPORT Waregem | €59,922 | €11,905 | 8.3% | - |
| NESTIG Waregem | €63,937 | €11,442 | 91.7% | - |
| BEMIC MANAGEMENT Wielsbeke | €57,668 | €9,788 | 36.4% | - |
| FOXTAIL Bierbeek | €65,403 | €11,456 | 71.1% | - |
| Spots of Knowledge Bonheiden | €61,791 | €11,105 | 4.9% | - |
| AP CONSULTANT Châtelet | €69,395 | €11,789 | 86.3% | - |
These companies have the same main activity as ARCHITECT ML: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €57,700 and €69,400, founded between 2019 and 2021.
Official details
Source: KBO- Status
- Active since 22-04-2020Normal situation
- Activity
- Business and other management consultancyNACE 70200and 1 other
- Establishment unit
- 2.301.473.0728020 Oostkamp, since 22-04-2020
- Financial year end
- 30 September
- Peppol
- Reachable since 19-11-2025
Annual accounts to 30-09-2025
- €61,529▼ 2.7%
- Filing
- Filed on 09-03-2026, 52 days before the end of the filing period
Insights on ARCHITECT ML
ARCHITECT ML files the micro format. That format states no turnover. The gross margin fell from €52,768 in 2021 to €11,988 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about ARCHITECT ML
- What is the company number of ARCHITECT ML?
- The company number of ARCHITECT ML is 0746.446.276. The VAT number is the same number with BE in front: BE 0746.446.276.
- Where is ARCHITECT ML based?
- The registered office is at Wollestraat .39, 8020 Oostkamp.Company details
- What does ARCHITECT ML do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of ARCHITECT ML?
- ARCHITECT ML is a private limited company (BV).
- When was ARCHITECT ML founded?
- ARCHITECT ML was founded on 22-04-2020.
- Is ARCHITECT ML still active?
- Yes, ARCHITECT ML is an active enterprise in the KBO register.
- What is the turnover of ARCHITECT ML?
- The turnover in financial year 2025 is ≈ €55,000. This figure is estimated from the gross margin of €11,988 and 206 comparable companies (NACE 70200). It probably lies between €26,000 and €110,000. It is a rough estimate.Financials
- Is ARCHITECT ML profitable?
- In financial year 2025, ARCHITECT ML made a profit of €611.
- Where can I find the annual accounts of ARCHITECT ML?
- ARCHITECT ML filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of ARCHITECT ML due?
- ARCHITECT ML must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
Next steps
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