ARCHITECT TOM NOTEBAERT
ActiveARCHITECT TOM NOTEBAERT has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €51k and a net result of €-2k. Equity is growing by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 87% of 9384 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-3
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 7.88 against 4.46 in 2024), and 12.3% 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+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
Sector 71
lower
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
87.7%
Return on assets
-4.2%
Age of the figures
8 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 10-07-2026, 21 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
21 d early
2024
25 d late
2023
48 d late
2022
24 d late
2021
30 d late
2020
30 d late
2019
69 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€51k▼ 4.5%
2024 · €53k
2018: €29k
2019: €25k
2020: €42k
2021: €47k
2022: €53k
2023: €53k
2024: €53k
2018 → 2025
Total assets
€58k▼ 15.1%
2024 · €68k
2018: €53k
2019: €67k
2020: €64k
2021: €68k
2022: €63k
2023: €59k
2024: €68k
2018 → 2025
Net result
€-2k
2024 · €358
2018: €16k
2019: €-3k
2020: €17k
2021: €5k
2022: €5k
2023: €30
2024: €358
2018 → 2025
Working capital
€49k▼ 5.9%
2024 · €52k
2018: €20k
2019: €18k
2020: €35k
2021: €42k
2022: €51k
2023: €53k
2024: €52k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€47k-€53k▲ 11.3%€53k▲ 0.1%€53k▲ 0.7%€51k▼ 4.5%
Operating result€8k-€8k▲ 0.4%€795▼ 90.2%€1k▲ 27.5%€-2k
Net result€5k-€5k▲ 1.7%€30▼ 99.4%€358▲ 1,088%€-2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €2k after €1k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €58k
Fixed assets
€2k▲ 51.3%
Current assets
€56k▼ 16.4%
Equity and liabilities €58k
Equity
€51k▼ 4.5%
Debt
€7k▼ 52.7%
The debt ratio falls from 22.0% to 12.3%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€-2k▼
2024 · €1k
Cash flow
€-2k▼
2024 · €704
Solvency
87.7%▲
2024 · 78.0%
Current ratio
7.88▲
2024 · 4.46
Quick ratio
7.88▲
2024 · 4.46
Debt / equity
0.14▼
2024 · 0.28
ROE
-4.7%▼
2024 · 0.7%
ROA
-4.2%▼
2024 · 0.5%
Interest coverage
-6.24▼
2024 · 6.01
Debt
€7k▼
2024 · €15k
Debt ≤ 1 year
€7k▼
2024 · €15k
Income taxes
€144▼
2024 · €429
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€68k€58k▼
Fixed assets21/28€1k€2k▲
Tangible fixed assets22/27€1k€2k▲
Plant, machinery and equipment23€1k€2k▲
Current assets29/58€67k€56k▼
Amounts receivable within one year40/41€9k€5k▼
Trade receivables40€9k€3k▼
Other amounts receivable41-€2k
Cash at bank and in hand54/58€55k€44k▼
Deferred charges and accrued income490/1€2k€7k▲
Equity and liabilities
Total equity and liabilities10/49€68k€58k▼
Equity10/15€53k€51k▼
Contributions10/11€12k€12k=
Reserves13€29k€29k=
Distributable reserves133€29k€29k=
Profit (loss) carried forward14€11k€9k▼
Amounts payable17/49€15k€7k▼
Amounts payable within one year42/48€15k€7k▼
Trade debts44€3k€958▼
Suppliers440/4€3k€958▼
Taxes, remuneration and social security45€2k€144▼
Taxes450/3€2k€144▼
Other amounts payable47/48€10k€6k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€345€382▲
Other operating charges640/8€434€326▼
Non-recurring operating charges66A€72-
Gross operating margin9900€2k€-1k▼
Operating profit (loss)9901€1k€-2k▼
Financial charges65/66B€226€259▲
Recurring financial charges65€226€259▲
Profit (loss) for the period before taxes9903€788€-2k▼
Income taxes67/77€429€144▼
Profit (loss) for the period9904€358€-2k▼
Profit (loss) for the period to be appropriated9905€358€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€11k€9k▼
Profit (loss) brought forward from the previous period14P€11k€11k▲
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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
17-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 48 days late
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 3.10
Current ratio from 1.53 to 3.10; short-term debt falls from €33k to €17k.
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 69 days late
2019
31-12
Financial
Weakest financial yearnet €-3k ▼119%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 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, Halle
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.
Broekborre 981500 HalleGround area
1,066 m²
Building footprint
138 m²
Volume, LiDAR
955 m³
Parcel 23413H0035/00T000, 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. |
|---|---|---|---|---|
| 23413H0035/00T000 | Flanders | 1,066 m² | 1 · 138 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.
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Of 18,208 companies in sector 71111 we hold annual accounts for 6,292. 5,316 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-03-2018
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.