Architype
ActiveSummary
Architype has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €369k and a net result of €-14k. Equity is growing by ~10.1% per year across the filed fiscal years. Its solvency ranks better than 33% of 8692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability32▼-24
Solvency58=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity short (current ratio 0.91 against 1.11 in 2024; short-term debt: 9.1% and cash: 7.4% of total assets), and 67.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 · 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 · 10 filingsDeviation from the deadline
2025
21 d early
2024
22 d early
2023
19 d early
2022
27 d early
2021
18 d early
2020
2 d early
2019
23 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€369k▼ 3.7%
2024 · €384k
2018: €199k
2019: €216k
2020: €250k
2021: €291k
2022: €319k
2023: €352k
2024: €384k
2018 → 2025
Total assets
€1.13M▼ 1.9%
2024 · €1.15M
2018: €570k
2019: €544k
2020: €554k
2021: €578k
2022: €715k
2023: €1.10M
2024: €1.15M
2018 → 2025
Net result
€-14k
2024 · €32k
2018: €18k
2019: €17k
2020: €34k
2021: €41k
2022: €28k
2023: €33k
2024: €32k
2018 → 2025
Working capital
€-10k
2024 · €9k
2018: €-8k
2019: €19k
2020: €36k
2021: €63k
2022: €11k
2023: €-27k
2024: €9k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€291k-€319k▲ 9.5%€352k▲ 10.5%€384k▲ 9.0%€369k▼ 3.7%
Operating result€66k-€65k▼ 0.9%€68k▲ 3.6%€74k▲ 10.1%€19k▼ 74.8%
Net result€41k-€28k▼ 32.4%€33k▲ 20.4%€32k▼ 5.5%€-14k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 75% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.13M
Fixed assets
€1.04M ▼ 2.0%
Current assets
€94k ▼ 0.6%
Equity and liabilities €1.13M
Equity
€369k ▼ 3.7%
Debt
€764k ▼ 0.9%
Debt's share of the balance-sheet total rises from 66.8% to 67.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€59k▼
2024 · €114k
Cash flow
€26k▼
2024 · €71k
Current ratio
0.91▼
2024 · 1.11
Debt to equity
2.07▲
2024 · 2.01
ROE
-3.9%▼
2024 · 8.2%
ROA
-1.3%▼
2024 · 2.7%
Interest coverage
1.78▼
2024 · 4.02
Debt ≤ 1 year
€103k▲
2024 · €85k
Debt > 1 year
€633k▼
2024 · €661k
Income taxes
€9▼
2024 · €15k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.15M€1.13M▼
Fixed assets21/28€1.06M€1.04M▼
Tangible fixed assets22/27€1.06M€1.04M▼
Land and buildings22€1.05M€1.03M▼
Plant, machinery and equipment23€6k€3k▼
Furniture and vehicles24-€2k
Current assets29/58€94k€94k▼
Amounts receivable within one year40/41€39k€10k▼
Trade receivables40€10k€4k▼
Other amounts receivable41€29k€5k▼
Current investments50/53€459€473▲
Cash at bank and in hand54/58€54k€84k▲
Equity and liabilities
Total equity and liabilities10/49€1.15M€1.13M▼
Equity10/15€384k€369k▼
Contributions10/11€19k€19k=
Reserves13€364k€351k▼
Distributable reserves133€364k€351k▼
Profit (loss) carried forward14€1k€0▼
Amounts payable17/49€771k€764k▼
Amounts payable after more than one year17€661k€633k▼
Financial debts170/4€661k€633k▼
Amounts payable within one year42/48€85k€103k▲
Current portion of amounts payable after more than one year42€28k€28k▼
Financial debts43€163€0▼
Credit institutions430/8€163€0▼
Trade debts44€4k€16k▲
Suppliers440/4€4k€16k▲
Taxes, remuneration and social security45€4k€12k▲
Taxes450/3€4k€12k▲
Other amounts payable47/48€49k€48k▼
Accrued charges and deferred income492/3€26k€28k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€40k▲
Other operating charges640/8€9k€8k▼
Gross operating margin9900€123k€66k▼
Operating profit (loss)9901€74k€19k▼
Financial income75/76B€350€44▼
Recurring financial income75€350€44▼
Financial charges65/66B€28k€33k▲
Recurring financial charges65€28k€33k▲
Profit (loss) for the period before taxes9903€46k€-14k▼
Income taxes67/77€15k€9▼
Profit (loss) for the period9904€32k€-14k▼
Profit (loss) for the period to be appropriated9905€32k€-14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€33k€-13k▼
Profit (loss) brought forward from the previous period14P€1k€1k=
Transfer from equity791/2-€13k
Transfer to equity691/2€32k€0▼
To other reserves6921€32k€0▼
The notes to these accounts (16 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 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series.
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €41k ▲20.7%
Net result €41k, the highest in the series.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
08-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €200kEq €216k ▲8.7%
2 profitable years in a row build equity to €216k.
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
14-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Gent · 1 establishment unit since 2009
Ground area
911 m²
Building footprint
241 m²
Volume, LiDAR
1,865 m³
2 parcels, Flanders · tallest building 17.5 m, ±5 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
SWA
since 20092.179.604.153
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71025A1232/00P000 | Flanders | 744 m² | 1 · 155 m² | 6.3 m · 1 fl. |
| 44815F3618/00Y006 | Flanders | 167 m² | 1 · 86 m² | 17.5 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 · 1 entry · 105 EUR awarded · 105 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 105 EUR | 105 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 36,864 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-04-2009
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.