BACO ARCHITECTURE
ActiveBACO ARCHITECTURE has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5k and a net result of €-2k. Equity is growing by ~17.2% per year across the filed fiscal years. Its solvency ranks better than 26% of 9384 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency27▼-3
Growth52▼-26
Stability94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.3 against 0.65 in 2024), and 74.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 2025Solvency, return and age of the figures
Solvency
25.6%
Return on assets
-12.2%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 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
11 d late
2024
20 d late
2023
20 d late
2022
28 d late
2021
23 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€5k▼ 32.2%
2024 · €7k
2021: €4k
2022: €-36
2023: €5k
2024: €7k
2021 → 2025
Total assets
€20k▼ 32.9%
2024 · €29k
2021: €21k
2022: €39k
2023: €40k
2024: €29k
2021 → 2025
Net result
€-2k
2024 · €2k
2021: €933
2022: €-4k
2023: €5k
2024: €2k
2021 → 2025
Working capital
€-10k▼ 128%
2024 · €-4k
2021: €2k
2022: €-8k
2023: €-2k
2024: €-4k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4k-€-36€5k€7k▲ 47.0%€5k▼ 32.2%
Operating result€1k-€-4k€6k€4k▼ 32.2%€-2k
Net result€933-€-4k€5k€2k▼ 53.4%€-2k
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 2025: a loss of €2k after €4k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €20k
Fixed assets
€15k▼ 27.7%
Current assets
€4k▼ 47.0%
Equity and liabilities €20k
Equity
€5k▼ 32.2%
Debt
€15k▼ 33.2%
The debt ratio falls from 74.7% to 74.4%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€6k▼
2024 · €11k
Cash flow
€6k▼
2024 · €10k
Solvency
25.6%▲
2024 · 25.3%
Current ratio
0.30▼
2024 · 0.65
Quick ratio
0.30▼
2024 · 0.65
Debt / equity
2.91▼
2024 · 2.95
ROE
-47.5%▼
2024 · 32.0%
ROA
-12.2%▼
2024 · 8.1%
Interest coverage
34.51▼
2024 · 47.97
Debt
€15k▼
2024 · €22k
Debt ≤ 1 year
€14k▲
2024 · €12k
Debt > 1 year
€588▼
2024 · €8k
Income taxes
€141▼
2024 · €1k
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€29k€20k▼
Fixed assets21/28€21k€15k▼
Tangible fixed assets22/27€21k€15k▼
Plant, machinery and equipment23€1k€673▼
Furniture and vehicles24€18k€12k▼
Other tangible fixed assets26€2k€2k▼
Financial fixed assets28€76€76=
Current assets29/58€8k€4k▼
Amounts receivable within one year40/41€2k€1k▼
Trade receivables40€2k€1k▼
Cash at bank and in hand54/58€5k€861▼
Deferred charges and accrued income490/1€514€2k▲
Equity and liabilities
Total equity and liabilities10/49€29k€20k▼
Equity10/15€7k€5k▼
Contributions10/11€3k€3k=
Reserves13€4k€4k=
Distributable reserves133€4k€4k=
Profit (loss) carried forward14€0€-2k▼
Amounts payable17/49€22k€15k▼
Amounts payable after more than one year17€8k€588▼
Financial debts170/4€8k€588▼
Amounts payable within one year42/48€12k€14k▲
Current portion of amounts payable after more than one year42€7k€7k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€3k€141▼
Taxes450/3€3k€141▼
Other amounts payable47/48€1k€5k▲
Accrued charges and deferred income492/3€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€9k▲
Other operating charges640/8€561€637▲
Gross operating margin9900€12k€7k▼
Operating profit (loss)9901€4k€-2k▼
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€237€188▼
Recurring financial charges65€237€188▼
Profit (loss) for the period before taxes9903€4k€-2k▼
Income taxes67/77€1k€141▼
Profit (loss) for the period9904€2k€-2k▼
Profit (loss) for the period to be appropriated9905€2k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2k€-2k▼
Transfer to equity691/2€2k-
To other reserves6921€2k-
The notes to these accounts (7 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
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 11 days late
2025
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Weakest financial yearnet €-4k ▼525%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Chimay · 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.
Rue des Templiers(FOR) 96464 ChimayGround area
525 m²
Building footprint
175 m²
Volume, LiDAR
1,244 m³
Parcel 56027B0126/00L000, Wallonia · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BACO architecture
since 20202.310.351.047
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56027B0126/00L000 | Wallonia | 525 m² | 1 · 174 m² | 9.7 m · 2 fl. |
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.
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Of 18,210 companies in sector 71111 we hold annual accounts for 6,293. 2,266 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-12-2020
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 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.