Architectengroep A4
ActiveArchitectengroep A4 has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €32k and a net result of €830. Equity is growing by ~10.8% per year across the filed fiscal years. Its solvency ranks better than 21% of 11614 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability58▼-14
Solvency47▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.24 against 1.77 in 2023; short-term debt: 37.7% and cash: 58% of total assets), but 78.5% 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 2024Solvency, return and age of the figures
Solvency
21.5%
Return on assets
0.6%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 11614 sector peers (2024).
NBB · sector comparisonPosition among 11614 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 31 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
31 d late
2023
19 d late
2022
30 d late
2021
20 d early
2020
on the day
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€32k▲ 2.7%
2023 · €31k
2020: €21k
2021: €24k
2022: €27k
2023: €31k
2020 → 2024
Total assets
€147k▼ 19.4%
2023 · €182k
2020: €131k
2021: €173k
2022: €223k
2023: €182k
2020 → 2024
Net result
€830▼ 80.1%
2023 · €4k
2020: €670
2021: €4k
2022: €2k
2023: €4k
2020 → 2024
Working capital
€69k▼ 2.1%
2023 · €70k
2020: €106k
2021: €110k
2022: €110k
2023: €70k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€21k-€24k▲ 18.1%€27k▲ 9.2%€31k▲ 15.7%€32k▲ 2.7%
Operating result€1k-€5k▲ 400%€5k▼ 5.7%€8k▲ 67.3%€2k▼ 73.7%
Net result€670-€4k▲ 458%€2k▼ 39.7%€4k▲ 85.8%€830▼ 80.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 74% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €147k
Fixed assets
€23k▲ 12.4%
Current assets
€124k▼ 23.3%
Equity and liabilities €147k
Equity
€32k▲ 2.7%
Debt
€115k▼ 23.9%
The debt ratio falls from 83.1% to 78.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€6k▼
2023 · €12k
Cash flow
€5k▼
2023 · €8k
Solvency
21.5%▲
2023 · 16.9%
Current ratio
2.24▲
2023 · 1.77
Quick ratio
2.24▲
2023 · 1.77
Debt / equity
3.64▼
2023 · 4.92
ROE
2.6%▼
2023 · 13.6%
ROA
0.6%▼
2023 · 2.3%
Interest coverage
4.59▼
2023 · 26.64
Debt
€115k▼
2023 · €152k
Debt ≤ 1 year
€55k▼
2023 · €92k
Debt > 1 year
€60k=
2023 · €60k
Staff costs
€46k▲
2023 · €35k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€182k€147k▼
Formation expenses20€318€94▼
Fixed assets21/28€20k€23k▲
Tangible fixed assets22/27€10k€7k▼
Furniture and vehicles24€10k€7k▼
Financial fixed assets28€10k€16k▲
Current assets29/58€162k€124k▼
Amounts receivable within one year40/41€58k€26k▼
Trade receivables40€51k€26k▼
Other amounts receivable41€7k€133▼
Cash at bank and in hand54/58€76k€85k▲
Deferred charges and accrued income490/1€27k€13k▼
Equity and liabilities
Total equity and liabilities10/49€182k€147k▼
Equity10/15€31k€32k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€11k€12k▲
Amounts payable17/49€152k€115k▼
Amounts payable after more than one year17€60k€60k=
Financial debts170/4€60k€60k=
Amounts payable within one year42/48€92k€55k▼
Trade debts44€73k€34k▼
Suppliers440/4€73k€34k▼
Taxes, remuneration and social security45€18k€21k▲
Taxes450/3€13k€11k▼
Remuneration and social security454/9€6k€10k▲
Income statement
Code20232024
Remuneration, social security and pensions62€35k€46k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k=
Other operating charges640/8€384€387▲
Gross operating margin9900€47k€52k▲
Operating profit (loss)9901€8k€2k▼
Financial income75/76B€1€4▲
Recurring financial income75€1€4▲
Financial charges65/66B€448€1k▲
Recurring financial charges65€448€1k▲
Profit (loss) for the period before taxes9903€8k€830▼
Income taxes67/77€3k-
Profit (loss) for the period9904€4k€830▼
Profit (loss) for the period to be appropriated9905€4k€830▼
Appropriation of the result
Profit (loss) to be appropriated9906€11k€12k▲
Profit (loss) brought forward from the previous period14P€7k€11k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
31-12
Financial
Highest result since 2020net €4k ▲85.8%
Operating result €8k, net result €4k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
31-10-2025
Resigned as Director
Location & real-estate footprint
Registered office, Leuven · 1 establishment unit since 2020
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.
Pater Damiaanplein 63000 LeuvenGround area
291 m²
Building footprint
249 m²
Parcel 24504D0672/00K000, Flanders. Linked by address, not a title deed.
1 establishment unit
Architectengroep A4
since 20202.303.679.625
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24504D0672/00K000 | Flanders | 291 m² | 1 · 249 m² | - |
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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 864 EUR awarded · 864 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 177 EUR | 177 EUR |
| 2023 | 1 | 51 EUR | 51 EUR |
| 2022 | 1 | 636 EUR | 636 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 18,255 companies in sector 71111 we hold annual accounts for 6,320. 4,973 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-06-2020
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@a-4.be