ARCHITECT TOM DEBAERE
ActiveARCHITECT TOM DEBAERE has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €206k and a net result of €24k. Equity is shrinking by ~4.5% per year across the filed fiscal years. Its solvency ranks better than 62% of 9450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▼-1
Solvency91▲+4
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 5.57 against 5.37 in 2024; short-term debt: 14.4% and cash: 70.1% of total assets), and 34.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · 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
65.5%
Return on assets
7.7%
Age of the figures
9 mo
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 · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €206k
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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
29 d early
2023
55 d early
2022
53 d early
2021
26 d late
2020
31 d late
2019
9 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€206k▲ 3.0%
2024 · €200k
2018: €260k
2019: €273k
2020: €291k
2021: €307k
2022: €179k
2023: €187k
2024: €200k
2018 → 2025
Total assets
€314k▼ 2.7%
2024 · €323k
2018: €444k
2019: €444k
2020: €453k
2021: €479k
2022: €540k
2023: €323k
2024: €323k
2018 → 2025
Net result
€24k▼ 5.0%
2024 · €26k
2018: €20k
2019: €13k
2020: €18k
2021: €16k
2022: €57k
2023: €28k
2024: €26k
2018 → 2025
Working capital
€207k▲ 3.2%
2024 · €201k
2018: €245k
2019: €263k
2020: €281k
2021: €301k
2022: €177k
2023: €186k
2024: €201k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€307k-€179k▼ 41.7%€187k▲ 4.2%€200k▲ 6.9%€206k▲ 3.0%
Operating result€29k-€85k▲ 194%€43k▼ 50.0%€40k▼ 6.6%€37k▼ 6.9%
Net result€16k-€57k▲ 259%€28k▼ 52.0%€26k▼ 6.9%€24k▼ 5.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €314k
Fixed assets
€61k▼ 19.2%
Current assets
€253k▲ 2.3%
Equity and liabilities €314k
Equity
€206k▲ 3.0%
Debt
€108k▼ 12.1%
The debt ratio falls from 38.1% to 34.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€52k▼
2024 · €56k
Cash flow
€39k▼
2024 · €41k
Solvency
65.5%▲
2024 · 61.9%
Current ratio
5.57▲
2024 · 5.37
Quick ratio
5.57▲
2024 · 5.37
Debt / equity
0.53▼
2024 · 0.62
ROE
11.8%▼
2024 · 12.8%
ROA
7.7%▼
2024 · 7.9%
Interest coverage
14.88▲
2024 · 14.12
Debt
€108k▼
2024 · €123k
Debt ≤ 1 year
€45k▼
2024 · €46k
Debt > 1 year
€63k▼
2024 · €77k
Income taxes
€10k▼
2024 · €11k
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€323k€314k▼
Fixed assets21/28€76k€61k▼
Tangible fixed assets22/27€76k€61k▼
Land and buildings22€75k€61k▼
Plant, machinery and equipment23€491€245▼
Furniture and vehicles24€536€224▼
Current assets29/58€247k€253k▲
Amounts receivable within one year40/41€67k€32k▼
Trade receivables40€67k€32k▼
Other amounts receivable41-€88
Cash at bank and in hand54/58€180k€220k▲
Deferred charges and accrued income490/1€343€356▲
Equity and liabilities
Total equity and liabilities10/49€323k€314k▼
Equity10/15€200k€206k▲
Contributions10/11€19k€19k=
Reserves13€181k€187k▲
Distributable reserves133€181k€187k▲
Amounts payable17/49€123k€108k▼
Amounts payable after more than one year17€77k€63k▼
Financial debts170/4€77k€63k▼
Amounts payable within one year42/48€46k€45k▼
Current portion of amounts payable after more than one year42€14k€14k▲
Trade debts44€6k€534▼
Suppliers440/4€6k€534▼
Taxes, remuneration and social security45€5k€2k▼
Taxes450/3€5k€2k▼
Other amounts payable47/48€21k€28k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€15k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€57k€53k▼
Operating profit (loss)9901€40k€37k▼
Financial income75/76B€532€861▲
Recurring financial income75€532€861▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€36k€34k▼
Income taxes67/77€11k€10k▼
Profit (loss) for the period9904€26k€24k▼
Profit (loss) for the period to be appropriated9905€26k€24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€26k€24k▼
Transfer from equity791/2€13k€18k▲
Transfer to equity691/2€26k€24k▼
To other reserves6921€26k€24k▼
Profit to be distributed694/7€13k€18k▲
Return on contributions (dividend)694€13k€18k▲
The notes to these accounts (6 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €200kEq €206k ▲3%
8 profitable years in a row build equity to €206k.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
06-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 5.13
Current ratio from 1.69 to 5.13; short-term debt falls from €256k to €45k.
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €57k ▲259%
Operating result €85k, net result €57k, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €13k ▼36.1%
Net result drops to €13k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Gent · 1 establishment unit since 2009
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.
Henegouwenstraat 959000 GentGround area
614 m²
Building footprint
513 m²
Volume, LiDAR
9,057 m³
Parcel 44803C0609/00D000, Flanders · tallest building 24.2 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Henegouwenstraat 95, 9000 Gent
since 20092.183.785.348
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44803C0609/00D000 | Flanders | 614 m² | 1 · 513 m² | 24.2 m · 6 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.
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Of 18,255 companies in sector 71111 we hold annual accounts for 6,321. 5,099 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-12-2009
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.