ASK-TEAM
ActiveSummary
ASK-TEAM has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €95,191 and a net result of -€13,173. Equity is shrinking by ~11% per year across the filed fiscal years. Its solvency ranks better than 19% of 9557 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability66=
Solvency41▼-2
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
Liquidity tight (current ratio 1.17 against 1.15 in 2024; short-term debt: 83.8% and cash: 9.4% of total assets), and 83.8% of the assets are financed with debt.
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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
Architectural and engineering activities; technical testing and analysis (NACE 71)
about 56% fewer bankruptcies
← 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
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
16.2%
Return on assets
-2.2%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€13,173
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 9557 sector peers (2025).
NBB · sector comparisonPosition among 9557 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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
22 d early
2023
33 d early
2022
116 d late
2021
142 d late
2020
153 d late
2019
119 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 64 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 (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. Usually files around 9 July (4 of the last 5 filed years within 138 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€95,191▼ 12.2%
2024 · €108,364
Total assets
€586,096▼ 0.2%
2024 · €587,268
Net result
-€13,173▲ 8.0%
2024 · -€14,317
Working capital
€84,379▲ 20.1%
2024 · €70,238
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
Line20212022202320242025
Operating result-€58,544-€4,702▲ 92.0%€11,939-€14,495-€13,213▲ 8.8%
Net result-€58,969below the sector's middle half-€7,324below the sector's middle half▲ 87.6%€10,593within the sector's middle half-€14,317below the sector's middle half-€13,173below the sector's middle half▲ 8.0%
Equity€119,413within the sector's middle half▼ 33.1%€112,088within the sector's middle half▼ 6.1%€122,681within the sector's middle half▲ 9.5%€108,364within the sector's middle half▼ 11.7%€95,191within the sector's middle half▼ 12.2%
Total assets€441,829above the sector's middle half▲ 10.1%€490,912above the sector's middle half▲ 11.1%€487,527above the sector's middle half▼ 0.7%€587,268above the sector's middle half▲ 20.5%€586,096above the sector's middle half▼ 0.2%
Debt€322,416▲ 44.6%€378,824▲ 17.5%€364,846▼ 3.7%€478,904▲ 31.3%€490,905▲ 2.5%
Working capital€56,178within the sector's middle half▼ 55.2%€7,180within the sector's middle half▼ 87.2%€50,693within the sector's middle half▲ 606%€70,238within the sector's middle half▲ 38.6%€84,379within the sector's middle half▲ 20.1%
Solvency27.0%within the sector's middle half▼ 17.4pp22.8%below the sector's middle half▼ 4.2pp25.2%below the sector's middle half▲ 2.3pp18.5%below the sector's middle half▼ 6.7pp16.2%below the sector's middle half▼ 2.2pp
Current ratio1.18below the sector's middle half▼ 0.431.02below the sector's middle half▼ 0.161.14below the sector's middle half▲ 0.121.15below the sector's middle half▲ 0.011.17within the sector's middle half▲ 0.03
Return on assets (ROA)-13.3%below the sector's middle half▼ 13.9pp-1.5%below the sector's middle half▲ 11.9pp2.2%within the sector's middle half▲ 3.7pp-2.4%below the sector's middle half▼ 4.6pp-2.2%below the sector's middle half▲ 0.2pp
Staff (FTE)5.2▲ 20.9%5.8▲ 11.5%5.4▼ 6.9%4.7▼ 13.0%3.3▼ 29.8%
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 stays negative: a loss of €13,213 in 2025 against €14,495 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €586,096
Fixed assets
€10,812 ▼ 71.6%
Current assets
€575,284 ▲ 4.8%
Equity and liabilities €586,096
Equity
€95,191 ▼ 12.2%
Debt
€490,905 ▲ 2.5%
Debt's share of the balance-sheet total rises from 81.5% to 83.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€19,627▲
2024 · €19,366
Cash flow
€19,667▲
2024 · €19,544
Debt to equity
5.16▲
2024 · 4.42
ROE
-13.8%▼
2024 · -13.2%
Interest coverage
135.87▼
2024 · 370.08
Debt ≤ 1 year
€490,905▲
2024 · €478,904
Income taxes
€132▲
2024 · €128
Staff costs
€141,752▼
2024 · €204,454
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,448 companies that looked in July 2024 the way this one looks now, 1.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 10 to 30%
- a small loss
1.4%
went bankrupt
5.0%
stopped otherwise
93%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
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 2,448 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €25,295 | - | - | - |
| Remuneration, social security and pensions62 | €181,061 | €218,028 | €229,560 | €204,454 | €141,752 | ▼ 30.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €25,757 | €30,303 | €33,432 | €33,861 | €32,840 | ▼ 3.0% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €50,000 | - | - | - | - | - |
| Other operating charges640/8 | €1,519 | €1,513 | €1,472 | €1,893 | €1,518 | ▼ 19.8% |
| Gross operating margin9900 | €199,793 | €245,141 | €276,402 | €225,713 | €162,897 | ▼ 27.8% |
| Operating profit (loss)9901 | -€58,544 | -€4,702 | €11,939 | -€14,495 | -€13,213 | ▲ 8.8% |
| Financial income75/76B | €77 | €19 | €3 | €359 | €316 | ▼ 11.8% |
| Recurring financial income75 | €77 | €19 | €3 | €359 | €316 | ▼ 11.8% |
| Financial charges65/66B | €372 | €277 | €281 | €52 | €144 | ▲ 176% |
| Recurring financial charges65 | €372 | €277 | €281 | €52 | €144 | ▲ 176% |
| Profit (loss) for the period before taxes9903 | -€58,840 | -€4,960 | €11,661 | -€14,189 | -€13,041 | ▲ 8.1% |
| Income taxes67/77 | €129 | €2,365 | €1,068 | €128 | €132 | ▲ 3.1% |
| Profit (loss) for the period9904 | -€58,969 | -€7,324 | €10,593 | -€14,317 | -€13,173 | ▲ 8.0% |
| Profit (loss) for the period to be appropriated9905 | -€58,969 | -€7,324 | €10,593 | -€14,317 | -€13,173 | ▲ 8.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €441,829 | €490,912 | €487,527 | €587,268 | €586,096 | ▼ 0.2% |
| Fixed assets21/28 | €69,619 | €104,909 | €71,988 | €38,126 | €10,812 | ▼ 71.6% |
| Tangible fixed assets22/27 | €68,971 | €104,260 | €71,988 | €38,126 | €10,812 | ▼ 71.6% |
| Land and buildings22 | €18,061 | €15,483 | €12,904 | €10,326 | €8,415 | ▼ 18.5% |
| Plant, machinery and equipment23 | €12,616 | €6,926 | €6,659 | €3,285 | €709 | ▼ 78.4% |
| Furniture and vehicles24 | €38,293 | €81,851 | €52,424 | €24,516 | €1,687 | ▼ 93.1% |
| Financial fixed assets28 | €649 | €649 | - | - | - | - |
| Current assets29/58 | €372,209 | €386,004 | €415,540 | €549,141 | €575,284 | ▲ 4.8% |
| Amounts receivable within one year40/41 | €330,870 | €345,150 | €372,713 | €490,041 | €520,391 | ▲ 6.2% |
| Trade receivables40 | €312,348 | €343,920 | €371,936 | €487,350 | €515,002 | ▲ 5.7% |
| Other amounts receivable41 | €18,522 | €1,229 | €776 | €2,690 | €5,389 | ▲ 100% |
| Cash at bank and in hand54/58 | €40,578 | €39,806 | €42,827 | €59,101 | €54,893 | ▼ 7.1% |
| Deferred charges and accrued income490/1 | €761 | €1,047 | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €441,829 | €490,912 | €487,527 | €587,268 | €586,096 | ▼ 0.2% |
| Equity10/15 | €119,413 | €112,088 | €122,681 | €108,364 | €95,191 | ▼ 12.2% |
| Contributions10/11 | €49,827 | €49,827 | €49,827 | €49,827 | €49,827 | = |
| Reserves13 | €128,555 | €128,555 | €72,854 | €58,538 | €45,364 | ▼ 22.5% |
| Tax-exempt reserves132 | €16,415 | €16,415 | €16,415 | €16,415 | €16,415 | = |
| Distributable reserves133 | €112,140 | €112,140 | €56,439 | €42,123 | €28,949 | ▼ 31.3% |
| Profit (loss) carried forward14 | -€58,969 | -€66,293 | - | - | - | - |
| Amounts payable17/49 | €322,416 | €378,824 | €364,846 | €478,904 | €490,905 | ▲ 2.5% |
| Amounts payable after more than one year17 | €6,385 | - | - | - | - | - |
| Financial debts170/4 | €6,385 | - | - | - | - | - |
| Amounts payable within one year42/48 | €316,031 | €378,824 | €364,846 | €478,904 | €490,905 | ▲ 2.5% |
| Current portion of amounts payable after more than one year42 | €10,221 | €6,431 | - | - | - | - |
| Trade debts44 | €17,268 | €75,218 | €4,828 | €9,842 | €3,944 | ▼ 59.9% |
| Suppliers440/4 | €17,268 | €75,218 | €4,828 | €9,842 | €3,944 | ▼ 59.9% |
| Advances received on contracts in progress46 | €215,728 | €221,980 | €273,081 | €401,756 | €420,781 | ▲ 4.7% |
| Taxes, remuneration and social security45 | €30,892 | €33,009 | €42,580 | €23,227 | €21,078 | ▼ 9.3% |
| Taxes450/3 | €4,327 | €9,137 | €13,629 | €2,132 | €5,760 | ▲ 170% |
| Remuneration and social security454/9 | €26,565 | €23,873 | €28,951 | €21,094 | €15,318 | ▼ 27.4% |
| Other amounts payable47/48 | €41,922 | €42,186 | €44,357 | €44,079 | €45,101 | ▲ 2.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€58,969 | -€7,324 | €10,593 | -€14,317 | -€13,173 | ▲ 8.0% |
| + Depreciation and write-downs630 | €25,757 | €30,303 | €33,432 | €33,861 | €32,840 | ▼ 3.0% |
| Operating cash flow (approximation) | -€33,211 | €22,978 | €44,024 | €19,544 | €19,667 | ▲ 0.6% |
| Investment in fixed assets (approximation) | - | -€65,592 | -€511 | €0 | -€5,525 | - |
| Change in cash | - | -€772 | €3,021 | €16,274 | -€4,208 | ▼ 126% |
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
Next filing, fiscal year 2026, expected by
2026
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €10,593
Net result €10,593 after 2 loss-making years.
24-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 116 days late
2022
20-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 142 days late
2021
31-12
Financial
Weakest financial yearnet -€58,969
Net result drops to -€58,969, the lowest in the series; recovery starts the following year.
31-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 153 days late
2020
31-12
Financial
Back to profitnet €2,243
Net result €2,243 after 2 loss-making years.
27-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 119 days late
03-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 216 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 59 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Knokke-Heist · 1 establishment unit since 1991
Ground area
252 m²
Building footprint
170 m²
Volume, LiDAR
1,578 m³
Parcel 31336H1022/00P002, Flanders · tallest building 13.7 m, ±3 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
Westkapellestraat 84, 8301 Knokke-Heist
since 19912.230.338.519
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31336H1022/00P002 | Flanders | 252 m² | 1 · 170 m² | 13.7 m · 3 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 685 EUR awarded · 685 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 230 EUR | 230 EUR |
| 2024 | 1 | 216 EUR | 216 EUR |
| 2023 | 1 | 125 EUR | 125 EUR |
| 2022 | 1 | 114 EUR | 114 EUR |
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Of 18,250 companies in sector 71111 we hold annual accounts for 6,321. 5,483 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
Founded25-04-1991
Fiscal year end31-12
Activities, NACEBEL 2025
71111Activities of building architects
Contact
E-mail
stefan@ask-architect.beKnokke-Heist
Phone
050/745.000Knokke-Heist
E-invoicing
Reachable via Peppol
Peppol ID
0208:0443920005
Also
9925:BE0443920005
Registered
08-12-2025
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.