Architecte BL
ActiveSummary
Architecte BL has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €4,277 and a net result of -€3,754. Equity is shrinking by ~19.5% per year across the filed fiscal years. Its solvency ranks better than 37% of 11620 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability50▼-25
Solvency66▼-34
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
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Signals
Five 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
Architectural and engineering activities; technical testing and analysis (NACE 71)
about 56% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
40.8%
Return on assets
-35.8%
Age of the figures
21 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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
not confirmed
2024
29 d late
2023
29 d late
2022
29 d late
2021
52 d early
2020
26 d late
2019
19 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 13 days after the deadline; the sector median for financial year 2024 is 8 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€4,277▼ 74.9%
2023 · €17,031
Total assets
€10,472▼ 45.7%
2023 · €19,297
Net result
-€3,754
2023 · €1,013
Working capital
€4,459▼ 64.8%
2023 · €12,660
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 71, Architectural and engineering activities; technical testing and analysis, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result-€2,416€28,551€20,364▼ 28.7%€2,064▼ 89.9%-€3,388
Net result-€2,525below the sector's middle half€20,685within the sector's middle half€14,925within the sector's middle half▼ 27.8%€1,013below the sector's middle half▼ 93.2%-€3,754below the sector's middle half
Equity€28,882within the sector's middle half▼ 8.0%€20,333below the sector's middle half▼ 29.6%€16,018below the sector's middle half▼ 21.2%€17,031below the sector's middle half▲ 6.3%€4,277below the sector's middle half▼ 74.9%
Total assets€34,758below the sector's middle half▼ 0.2%€100,023within the sector's middle half▲ 188%€22,878below the sector's middle half▼ 77.1%€19,297below the sector's middle half▼ 15.7%€10,472below the sector's middle half▼ 45.7%
Debt€5,875▲ 71.8%€79,690▲ 1,256%€6,860▼ 91.4%€2,266▼ 67.0%€6,195▲ 173%
Working capital€27,692within the sector's middle half▲ 52.8%€20,330within the sector's middle half▼ 26.6%€19,319within the sector's middle half▼ 5.0%€12,660within the sector's middle half▼ 34.5%€4,459below the sector's middle half▼ 64.8%
Solvency83.1%above the sector's middle half▼ 7.1pp20.3%below the sector's middle half▼ 62.8pp70.0%within the sector's middle half▲ 49.7pp88.3%above the sector's middle half▲ 18.2pp40.8%within the sector's middle half▼ 47.4pp
Current ratio6.32above the sector's middle half▼ 1.311.26within the sector's middle half▼ 5.066.43above the sector's middle half▲ 5.1710.19above the sector's middle half▲ 3.761.84within the sector's middle half▼ 8.34
Return on assets (ROA)-7.3%below the sector's middle half▼ 27.3pp20.7%within the sector's middle half▲ 27.9pp65.2%above the sector's middle half▲ 44.6pp5.2%within the sector's middle half▼ 60.0pp-35.8%below the sector's middle half▼ 41.1pp
above
within
below
the middle half (P25 to P75) of NACE 71, Architectural and engineering activities; technical testing and analysis, each year against the same schema; no band under 30 filings.
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 2024: a loss of €3,388 after €2,064 in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €10,472
Fixed assets
€732 ▼ 86.1%
Current assets
€9,740 ▼ 30.6%
Equity and liabilities €10,472
Equity
€4,277 ▼ 74.9%
Debt
€6,195 ▲ 173%
Debt's share of the balance-sheet total rises from 11.7% to 59.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€1,138▼
2023 · €5,859
Cash flow
€773▼
2023 · €4,808
Debt to equity
1.45▲
2023 · 0.13
ROE
-87.8%▼
2023 · 5.9%
Interest coverage
28.68▼
2023 · 148.55
Debt ≤ 1 year
€5,281▲
2023 · €1,378
Income taxes
€355▼
2023 · €1,011
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 4,815 companies that looked in July 2024 the way this one looks now, 1.9% went bankrupt within 24 months and 88% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
1.9%
went bankrupt
9.8%
stopped otherwise
88%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 4,815 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,386 | €1,158 | €700 | €3,795 | €4,527 | ▲ 19.3% |
| Other operating charges640/8 | - | €84 | €85 | €93 | €98 | ▲ 5.1% |
| Gross operating margin9900 | €1,272 | €29,792 | €21,149 | €5,952 | €1,236 | ▼ 79.2% |
| Operating profit (loss)9901 | -€2,416 | €28,551 | €20,364 | €2,064 | -€3,388 | ▼ 264% |
| Financial income75/76B | - | - | - | - | €29 | - |
| Recurring financial income75 | - | - | - | - | €29 | - |
| Financial charges65/66B | - | €43 | €39 | €39 | €40 | ▲ 0.7% |
| Recurring financial charges65 | €39 | €43 | €39 | €39 | €40 | ▲ 0.7% |
| Profit (loss) for the period before taxes9903 | -€2,455 | €28,507 | €20,324 | €2,024 | -€3,399 | ▼ 268% |
| Income taxes67/77 | €70 | €7,822 | €5,399 | €1,011 | €355 | ▼ 64.9% |
| Profit (loss) for the period9904 | -€2,525 | €20,685 | €14,925 | €1,013 | -€3,754 | ▼ 471% |
| Profit (loss) for the period to be appropriated9905 | -€2,525 | €20,685 | €14,925 | €1,013 | -€3,754 | ▼ 471% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €34,758 | €100,023 | €22,878 | €19,297 | €10,472 | ▼ 45.7% |
| Fixed assets21/28 | €1,858 | €700 | - | €5,258 | €732 | ▼ 86.1% |
| Tangible fixed assets22/27 | €1,858 | €700 | - | €5,258 | €732 | ▼ 86.1% |
| Furniture and vehicles24 | - | - | - | €5,258 | €732 | ▼ 86.1% |
| Other tangible fixed assets26 | - | €700 | - | - | - | - |
| Current assets29/58 | €32,900 | €99,323 | €22,878 | €14,038 | €9,740 | ▼ 30.6% |
| Amounts receivable within one year40/41 | €13,043 | €3,920 | €1,000 | - | €3,243 | - |
| Trade receivables40 | - | €508 | - | - | €3,243 | - |
| Other amounts receivable41 | - | €3,412 | €1,000 | - | - | - |
| Cash at bank and in hand54/58 | €19,858 | €95,403 | €21,878 | €14,038 | €6,498 | ▼ 53.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €34,758 | €100,023 | €22,878 | €19,297 | €10,472 | ▼ 45.7% |
| Equity10/15 | €28,882 | €20,333 | €16,018 | €17,031 | €4,277 | ▼ 74.9% |
| Contributions10/11 | - | €18,600 | - | - | - | - |
| Reserves13 | €640 | €640 | - | - | - | - |
| Non-distributable reserves130/1 | - | €640 | - | - | - | - |
| Reserves not available under the articles1311 | - | €640 | - | - | - | - |
| Profit (loss) carried forward14 | €9,642 | €1,093 | €16,018 | €17,031 | €4,277 | ▼ 74.9% |
| Amounts payable17/49 | €5,875 | €79,690 | €6,860 | €2,266 | €6,195 | ▲ 173% |
| Amounts payable within one year42/48 | €5,209 | €78,993 | €3,559 | €1,378 | €5,281 | ▲ 283% |
| Trade debts44 | €1,659 | €1,219 | €1,120 | €169 | €126 | ▼ 25.6% |
| Suppliers440/4 | - | €1,219 | €1,120 | €169 | €126 | ▼ 25.6% |
| Taxes, remuneration and social security45 | - | - | €152 | €642 | €1,472 | ▲ 129% |
| Taxes450/3 | - | - | €152 | €642 | €1,472 | ▲ 129% |
| Other amounts payable47/48 | - | €77,775 | €2,287 | €567 | €3,683 | ▲ 550% |
| Accrued charges and deferred income492/3 | - | €697 | €3,301 | €888 | €914 | ▲ 3.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€2,525 | €20,685 | €14,925 | €1,013 | -€3,754 | ▼ 471% |
| + Depreciation and write-downs630 | €1,386 | €1,158 | €700 | €3,795 | €4,527 | ▲ 19.3% |
| Operating cash flow (approximation) | -€1,139 | €21,842 | €15,625 | €4,808 | €773 | ▼ 83.9% |
| Investment in fixed assets (approximation) | - | €0 | - | - | €0 | - |
| Change in cash | - | €75,545 | -€73,525 | -€7,840 | -€7,540 | ▲ 3.8% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet -€3,754
Net result drops to -€3,754, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Liquidity times 5current ratio 6.43
Current ratio from 1.26 to 6.43; short-term debt falls from €78,993 to €3,559.
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €20,685
Net result €20,685 after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 19 days late
2019
31-12
Financial
Liquidity times 5current ratio 7.62
Current ratio from 1.49 to 7.62; short-term debt falls from €9,134 to €2,736.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
23-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Beloeil
Ground area
674 m²
Building footprint
114 m²
Volume, LiDAR
577 m³
Parcel 51007A0923/00N002, Wallonia · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51007A0923/00N002 | Wallonia | 674 m² | 1 · 114 m² | 6.7 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 18,250 companies in sector 71111 we hold annual accounts for 6,321. 2,042 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded07-01-2009
Fiscal year end31-12
Activities, NACEBEL 2025
71111Activities of building architects
E-invoicing
Reachable via Peppol
Peppol ID
0208:0808995836
Also
9925:BE0808995836
Registered
16-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.