ARCHITECT POL PETERS
ActiveSummary
ARCHITECT POL PETERS has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €36k and a net result of €13k. Equity is growing by ~16.8% per year across the filed fiscal years. Its solvency ranks better than 67% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+32
Solvency95▼-5
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 3.18 against 6.6 in 2024; short-term debt: 30% and cash: 66.1% of total assets), and 30% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
70%
Return on assets
25.7%
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 18-09-2026, 49 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
49 d late
2024
58 d late
2023
6 d late
2022
63 d late
2021
47 d late
2020
142 d late
2019
56 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€41k
EBIT margin
31.5%
Net result
€13k
2024 · €-85
2018: €10k
2019: €8k
2020: €4k
2021: €2k
2022: €2k
2023: €1k
2024: €-85
2018 → 2025
Working capital
€33k▲ 61.5%
2024 · €21k
2018: €16k
2019: €4k
2020: €10k
2021: €18k
2022: €21k
2023: €22k
2024: €21k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€22k▲ 10.3%€23k▲ 5.1%€23k▼ 0.4%€36k▲ 58.1%
Operating result€5k-€4k▼ 12.9%€2k▼ 38.4%€840▼ 65.2%€21k▲ 2,401%
Net result€2k-€2k▲ 2.5%€1k▼ 45.4%€-85€13k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 2,401% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €51k
Fixed assets
€2k ▲ 22.5%
Current assets
€49k ▲ 100.0%
Equity and liabilities €51k
Equity
€36k ▲ 58.1%
Debt
€15k ▲ 316%
Debt's share of the balance-sheet total rises from 14.0% to 30.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€22k▲
2024 · €1k
Cash flow
€14k▲
2024 · €429
Current ratio
3.18▼
2024 · 6.60
Debt to equity
0.43▲
2024 · 0.16
ROE
36.7%▲
2024 · -0.4%
ROA
25.7%▲
2024 · -0.3%
Interest coverage
166.94▲
2024 · 9.53
Debt ≤ 1 year
€15k▲
2024 · €4k
Income taxes
€8k▲
2024 · €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 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€26k€51k▲
Fixed assets21/28€2k€2k▲
Tangible fixed assets22/27€2k€2k▲
Plant, machinery and equipment23€2k€2k▲
Furniture and vehicles24€160-
Current assets29/58€24k€49k▲
Amounts receivable within one year40/41€10k€12k▲
Trade receivables40€3k€2k▼
Other amounts receivable41€7k€10k▲
Cash at bank and in hand54/58€13k€34k▲
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€26k€51k▲
Equity10/15€23k€36k▲
Contributions10/11€6k€6k=
Reserves13€16k€30k▲
Distributable reserves133€16k€30k▲
Amounts payable17/49€4k€15k▲
Amounts payable within one year42/48€4k€15k▲
Trade debts44€74€817▲
Suppliers440/4€74€817▲
Taxes, remuneration and social security45€4k€15k▲
Taxes450/3€4k€15k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€514€875▲
Other operating charges640/8€126€115▼
Gross operating margin9900€1k€22k▲
Operating profit (loss)9901€840€21k▲
Financial income75/76B€276€395▲
Recurring financial income75€276€395▲
Financial charges65/66B€142€131▼
Recurring financial charges65€142€131▼
Profit (loss) for the period before taxes9903€974€21k▲
Income taxes67/77€1k€8k▲
Profit (loss) for the period9904€-85€13k▲
Profit (loss) for the period to be appropriated9905€-85€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-85€13k▲
Transfer from equity791/2€85-
Transfer to equity691/2-€13k
To other reserves6921-€13k
The notes to these accounts (5 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
18-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 49 days late
2025
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
27-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 58 days late
2024
31-12
Financial
Weakest financial yearnet €-85 ▼108%
Net result drops to €-85, the lowest in the series; recovery starts the following year.
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 6 days late
2023
02-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 63 days late
2022
16-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 47 days late
2021
20-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 142 days late
2020
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
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Dilsen-Stokkem
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.
Molenveld 73650 Dilsen-StokkemGround area
2,142 m²
Building footprint
175 m²
Volume, LiDAR
1,201 m³
Parcel 73081C0761/00F000, Flanders · tallest building 11.3 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73081C0761/00F000 | Flanders | 2,142 m² | 1 · 175 m² | 11.3 m · 2 fl. |
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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Add UP architect
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IADF
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LEEV-ARCHITECTUUR
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PATERNOTTE & VANBRABANT
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Of 18,255 companies in sector 71111 we hold annual accounts for 6,321. 5,089 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-07-2001
Fiscal year end31-12
Activities, NACEBEL 2025
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.