B4 - SOCIETE CIVILE D'ARCHITECTURE
ActiveB4 - SOCIETE CIVILE D'ARCHITECTURE has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12k and a net result of €2k. Equity is growing by ~18.9% per year across the filed fiscal years. Its solvency ranks better than 40% of 9430 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability54▲+52
Solvency69▼-2
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.77 against 1.86 in 2024; short-term debt: 56.4% and cash: 15.8% of total assets), but 56.4% 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 →
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 · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
30 d early
2023
15 d early
2022
24 d early
2021
44 d early
2020
11 d early
2019
119 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€12k▲ 18.2%
2024 · €10k
2018: €-1k
2019: €-2k
2020: €19k
2021: €-4k
2022: €10k
2023: €13k
2024: €10k
2018 → 2025
Total assets
€27k▲ 25.5%
2024 · €22k
2018: €12k
2019: €8k
2020: €39k
2021: €9k
2022: €37k
2023: €23k
2024: €22k
2018 → 2025
Net result
€2k
2024 · €-3k
2018: €882
2019: €-613
2020: €21k
2021: €-23k
2022: €13k
2023: €3k
2024: €-3k
2018 → 2025
Working capital
€12k▲ 18.2%
2024 · €10k
2018: €-1k
2019: €-2k
2020: €19k
2021: €-4k
2022: €10k
2023: €13k
2024: €10k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-4k-€10k€13k▲ 35.2%€10k▼ 23.3%€12k▲ 18.2%
Operating result€-21k-€13k€7k▼ 49.4%€4k▼ 36.9%€5k▲ 20.6%
Net result€-23k-€13k€3k▼ 74.5%€-3k€2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 21% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €27k
Equity
€12k▲ 18.2%
Debt
€15k▲ 31.7%
The debt ratio rises from 53.7% to 56.4%. Equity and debt are higher.
Key figures and ratios
Solvency
43.6%▼
2024 · 46.3%
Current ratio
1.77▼
2024 · 1.86
Quick ratio
1.77▼
2024 · 1.86
Debt / equity
1.29▲
2024 · 1.16
ROE
15.4%▲
2024 · -30.3%
ROA
6.7%▲
2024 · -14.0%
Debt
€15k▲
2024 · €12k
Debt ≤ 1 year
€15k▲
2024 · €12k
Income taxes
€875▼
2024 · €4k
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€22k€27k▲
Current assets29/58€22k€27k▲
Amounts receivable within one year40/41€16k€21k▲
Trade receivables40€12k€21k▲
Other amounts receivable41€4k€440▼
Cash at bank and in hand54/58€5k€4k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€22k€27k▲
Equity10/15€10k€12k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-10k€-9k▲
Amounts payable17/49€12k€15k▲
Amounts payable within one year42/48€12k€15k▲
Trade debts44€8k€9k▲
Suppliers440/4€8k€9k▲
Taxes, remuneration and social security45€4k€3k▼
Taxes450/3€4k€3k▼
Other amounts payable47/48-€3k
Income statement
Code20242025
Non-recurring operating income76A€276-
Other operating charges640/8€969€1k▲
Non-recurring operating charges66A€45-
Gross operating margin9900€5k€6k▲
Operating profit (loss)9901€4k€5k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€1k€3k▲
Income taxes67/77€4k€875▼
Profit (loss) for the period9904€-3k€2k▲
Profit (loss) for the period to be appropriated9905€-3k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-10k€-9k▲
Profit (loss) brought forward from the previous period14P€-7k€-10k▼
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-23k ▼209%
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.98
Current ratio from 0.81 to 1.98.
27-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 119 days late
2019
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 91 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
26-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 87 days late
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, Bouillon · 1 establishment unit since 2003
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.
La Cornette,Les Hayons 196830 BouillonGround area
2,425 m²
Building footprint
428 m²
Volume, LiDAR
2,805 m³
2 parcels, Wallonia · tallest building 13.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
B4 Architecture
since 20032.219.367.918
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 84034A0015/00D000 | Wallonia | 1,988 m² | 1 · 348 m² | 8.0 m · 2 fl. |
| 25762F0765/00A000 | Wallonia | 437 m² | 1 · 80 m² | 13.0 m · 4 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.
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BE 0794.387.240
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SWAFRAN architectenvennootschap
BE 0778.820.027
Sint-Genesius-Rode · Eq €12k
BJP Services
BE 0804.968.554
Antwerpen · Eq €12k
Of 18,254 companies in sector 71111 we hold annual accounts for 6,321. 3,713 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded27-08-2002
Fiscal year end31-12
Abbreviation FR
B4
Activities, NACEBEL
71111Activities of building architects
74201Photography, excluding press photography
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.