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BEN ARCHITECTS

Active
Private limited company·Activiteiten van interieurarchitecten· 3 yrs active
Kersbeeklaan 308 ·1180 Ukkel, Belgium
KBO/BCE: BE 0798.773.620
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Belgian State Gazette acts: 0 of 2 read
Age3 yrs
Board1
Real estate2 parcels · 416 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of BEN ARCHITECTS is 1.8% (moderate). The 2025 annual accounts show equity of €4k and a net result of €631. Equity is shrinking by ~484.3% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 18% of 174 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
1.8% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Lower-failure-rate sector −Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Signals

1 signal · with evidence
Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 174 sector peers (2024).
View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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.
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.
How we compute the deadline
The year end is derived from 3 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 20-08-2026 20 d late 2026-00409926
31-12-2024 31-07-2025 27-08-2025 27 d late 2025-00458756
31-12-2023 31-07-2024 03-07-2024 28 d early 2024-00202821

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

TurnoverNot included in this filing
EBIT marginNot included in this filing
Net result€631
Working capital€103k+2.1%

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 20-08-2026 with the NBB · fiscal year 2025 · volledig
€-40k€-20k€0€20k€40kOperating result 2023: €44k€44kNet result 2023: €33k€33kOperating result 2024: €-35k€-35kNet result 2024: €-35k€-35kOperating result 2025: €596€596Net result 2025: €631€631202320242025
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining At this pace, equity would indicatively turn negative around fiscal year 2026, assuming unchanged policy.
€-50k€-25k€0€25k€50k2026: €-14k (€-14k - €-13k)2027: €-31k (€-31k - €-30k)2028: €-48k (€-48k - €-48k)2023: €38k2024: €3k2025: €4k202320242025202620272028
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 71, Architecture & engineering · compared within the same schema type (full schema)
Metric This company Sector median Position in the sector
Solvency 2.4% 35.1%
better than 18% of 174 sector peers
Net result €-35k €26k
better than 14% of 174 sector peers
Equity €3k €92k
better than 18% of 174 sector peers
Gross operating margin €-34k €78k
better than 5% of 150 sector peers
Total assets €122k €459k
better than 26% of 174 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€2k
- 23-25
Net profit
€631
- 23-25
Cash flow
€2k
- 23-25
Total assets
€117k
-3.8% 23-25
Equity
€4k
+21.7% 23-25
Working capital
€103k
+2.1% 23-25
Income taxes
€11k
- 23-25
Debt
€114k
-4.4% 23-25
Show 8 other metrics
Debt ≤ 1y
€12k
-30.7% 23-25
Current ratio
9.69
+40.5% 23-25
Quick ratio
9.69
+40.5% 23-25
Solvency
3.0%
+26.5% 23-25
Debt / equity
32.09
-21.5% 23-25
ROE
17.8%
- 23-25
ROA
0.5%
- 23-25
Interest coverage
14.55
- 23-25
Figures by fiscal year
Fiscal year2025
Depositvolledig
Revenue-
EBITDA€2k
Net profit€631
Cash flow€2k
Staff costs-
Income taxes-
Dividends-
Total assets€117k
Equity€4k
Debt€114k
of which ≤ 1y€12k
of which > 1y-
Working capital€103k
Employees (FTE)-
Ratios (computed)
2025
Current ratio9.69
Quick ratio9.69
Working capital ratio87.9%
Solvency3.0%
Debt / equity32.09
Long-term debt ratio-
Interest coverage14.55
Gross margin-
Net margin-
ROA0.5%
ROE17.8%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts (20 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€117k
Fixed assets 21/28€2k
Tangible fixed assets 22/27€2k
Current assets 29/58€115k
Amounts receivable within one year 40/41€252
Cash & bank 54/58€114k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€117k
Equity 10/15€4k
Contributions / capital 10/11€5k
Accumulated profits (losses) 14€-1k
Amounts payable 17/49€114k
Amounts payable within one year 42/48€12k
Trade debts payable within one year 44€4k
Income statement
Gross operating margin 9900€2k
Operating result 9901€596
Financial income 75€181
Financial charges 65€145
Result before taxes 9903€631
Net result for the period 9904€631
Result to be appropriated 9905€631
This table shows the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2025 · computed
81 / 100 Excellent
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Directors

Directors & mandates

2 directors
2 of this company's 2 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.
Current directors & mandates
  • Saida Boujarra
    Director
    State Gazette act 23043760 (29-03-2023)
    Current
    17-03-2023 → present
Former directors (1)
  • Ben Abbadi
    Director
    State Gazette act 23043760 (29-03-2023)
    Former
    - → 17-03-2023
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary Activiteiten van interieurarchitecten(71112)
Legal form Private limited company(610)
Incorporation23-02-2023
StatusActive
Postal code1180

Structure & network

Locations & real estate

Registered office

on the map · from the address register
exact location from the address register On OpenStreetMap
439 companies at this address See who is registered here

Establishment units

1 location
BEN ARCHITECTS
Cardijnstraat 15, 1980 ZemstActiviteiten van interieurarchitecten
since 20232.343.233.057
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area416 m²
Buildings2
Building footprint194 m²
Volume (LiDAR)1,425 m³
Tallest building13.8 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (50%) Brussels 1 (50%)
Parcel (capakey) Region Area Buildings Height / fl.
21616G0030/00T016 Brussels 342 m² 1 · 99 m² 13.8 m · 3 fl.
23020C0168/00S000 Flanders 74 m² 1 · 95 m² 11.1 m · 3 fl.
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.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 act
All acts · 1 updated 3 years ago
2023
29-03-2023 2 directors appointed, 1 resigning Director changes
  • Saida Boujarra, Bestuurder
  • Serge Solau, Délégé
  • Ben Abbadi, Bestuurder

Analysis

Financial profile

5 of 5 axes measured
Health81Profitability89Solvency35Growth32Stability94
66 / 100

Strong profile, led by stability.

All 5 axes are computed from data Checked has read.

Health 81
Profitability 89
Solvency 35
Growth 32
Stability 94

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 361 of the 3,941 companies in this sector. 153 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Activiteiten van interieurarchitecten71112
Primary activity highlighted.
Names & trade names
Legal nameFR BEN ARCHITECTS
Registered office
Kersbeeklaan 308
1180 Ukkel, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.