ARCHITECTE BENOIT COURCELLES
ActiveARCHITECTE BENOIT COURCELLES has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €126k and a net result of €353k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 19% of 9380 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
65
/ 100
Healthy▼ -35 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency22▼-78
Growth58▼-20
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity tight (current ratio 1.01 against 4.22 in 2024), and 83.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 →
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
16.4%
Return on assets
46.1%
Age of the figures
8 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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 9380 sector peers (2025).
NBB · sector comparisonPosition among 9380 sector peers
Solvency
better than 19%
← weakest
strongest →
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 30-03-2026, 123 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
123 d early
2024
114 d early
2023
92 d late
2022
118 d early
2021
34 d early
2020
31 d early
2019
26 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€126k▼ 80.1%
2024 · €632k
2018: €199k
2019: €199k
2020: €100k
2021: €22k
2022: €22k
2023: €127k
2024: €632k
2018 → 2025
Total assets
€765k▼ 3.8%
2024 · €795k
2018: €931k
2019: €584k
2020: €610k
2021: €475k
2022: €481k
2023: €587k
2024: €795k
2018 → 2025
Net result
€353k▼ 30.0%
2024 · €504k
2018: €212k
2019: €272k
2020: €300k
2021: €183k
2022: €284k
2023: €209k
2024: €504k
2018 → 2025
Working capital
€4k▼ 99.2%
2024 · €457k
2018: €92k
2019: €106k
2020: €-19k
2021: €-75k
2022: €-63k
2023: €528
2024: €457k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€22k=€127k▲ 478%€632k▲ 397%€126k▼ 80.1%
Operating result€243k-€412k▲ 69.7%€324k▼ 21.3%€640k▲ 97.6%€572k▼ 10.6%
Net result€183k-€284k▲ 55.3%€209k▼ 26.2%€504k▲ 141%€353k▼ 30.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 11% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €765k
Fixed assets
€138k▼ 29.5%
Current assets
€627k▲ 4.6%
Equity and liabilities €765k
Equity
€126k▼ 80.1%
Debt
€639k▲ 293%
The debt ratio rises from 20.5% to 83.6%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€637k▼
2024 · €686k
Cash flow
€417k▼
2024 · €550k
Solvency
16.4%▼
2024 · 79.5%
Current ratio
1.01▼
2024 · 4.22
Quick ratio
1.01▼
2024 · 4.22
Debt / equity
5.09▲
2024 · 0.26
ROE
280.7%▲
2024 · 79.7%
ROA
46.1%▼
2024 · 63.4%
Interest coverage
11.91▼
2024 · 17.85
Debt
€639k▲
2024 · €163k
Debt ≤ 1 year
€624k▲
2024 · €142k
Debt > 1 year
€15k▼
2024 · €21k
Income taxes
€190k▲
2024 · €102k
Staff costs
€51k▲
2024 · €49k
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€795k€765k▼
Fixed assets21/28€195k€138k▼
Tangible fixed assets22/27€195k€137k▼
Land and buildings22€45k€34k▼
Plant, machinery and equipment23€33k€30k▼
Furniture and vehicles24€115k€73k▼
Other tangible fixed assets26€2k€2k=
Financial fixed assets28€250€250=
Current assets29/58€600k€627k▲
Amounts receivable within one year40/41€0€245k▲
Trade receivables40€0€32k▲
Other amounts receivable41€0€213k▲
Cash at bank and in hand54/58€589k€371k▼
Deferred charges and accrued income490/1€10k€10k▲
Equity and liabilities
Total equity and liabilities10/49€795k€765k▼
Equity10/15€632k€126k▼
Contributions10/11€20k€20k=
Reserves13€612k€106k▼
Tax-exempt reserves132€211k€105k▼
Distributable reserves133€401k€314▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€163k€639k▲
Amounts payable after more than one year17€21k€15k▼
Financial debts170/4€21k€15k▼
Amounts payable within one year42/48€142k€624k▲
Current portion of amounts payable after more than one year42€5k€5k▲
Trade debts44€12k€4k▼
Suppliers440/4€12k€4k▼
Taxes, remuneration and social security45€63k€155k▲
Taxes450/3€56k€149k▲
Remuneration and social security454/9€7k€6k▼
Other amounts payable47/48€62k€459k▲
Accrued charges and deferred income492/3€0€173▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€49k€51k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46k€65k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€737k€689k▼
Operating profit (loss)9901€640k€572k▼
Financial income75/76B€3k€23k▲
Recurring financial income75€3k€23k▲
Financial charges65/66B€38k€53k▲
Recurring financial charges65€38k€53k▲
Profit (loss) for the period before taxes9903€605k€542k▼
Income taxes67/77€102k€190k▲
Profit (loss) for the period9904€504k€353k▼
Transfer to tax-exempt reserves689€105k€0▼
Profit (loss) for the period to be appropriated9905€398k€353k▼
Appropriation of the result
Profit (loss) to be appropriated9906€398k€353k▼
Transfer from equity791/2-€612k
Transfer to equity691/2€398k€105k▼
To other reserves6921€398k€105k▼
Profit to be distributed694/7€0€859k▲
Return on contributions (dividend)694€0€854k▲
Employees696€0€5k▲
The notes to these accounts (11 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
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
08-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €504k ▲141%
Operating result €640k, net result €504k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 4.22
Current ratio from 1.00 to 4.22; short-term debt falls from €434k to €142k.
31-12
Financial
Equity above €500kEq €632k ▲397%
7 profitable years in a row build equity to €632k.
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 92 days late
2023
31-12
Financial
Equity above €100kEq €127k ▲478%
6 profitable years in a row build equity to €127k.
04-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €183k ▼39.1%
Net result drops to €183k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Mouscron · 1 establishment unit since 2014
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.
Luingnesteenweg(H) 4417712 MouscronGround area
368 m²
Building footprint
112 m²
Volume, LiDAR
930 m³
Parcel 54004L1376/00_000, Wallonia · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ARCHITECTE BENOIT COURCELLES SC
since 20142.236.826.829
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54004L1376/00_000 | Wallonia | 368 m² | 1 · 112 m² | 11.7 m · 3 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.
Recognitions · licences · registrations
Legal Entity Identifier
549300KOHYJ6W7WQRZ90
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MAP DEPOT
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SILO ARCHITECTUURATELIER
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Of 18,208 companies in sector 71111 we hold annual accounts for 6,291. 5,392 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-10-2014
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:courcelles.architecte@belgacom.net
Phone:0478/34.08.99