BF ARCHITECTURE
ActiveBF ARCHITECTURE has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €53k and a net result of €31k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 36% of 11614 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability97▲+97
Solvency64▲+12
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.43 against 0.9 in 2023; short-term debt: 56% and cash: 1.8% of total assets), and 60.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 · 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 2024Solvency, return and age of the figures
Solvency
39.4%
Return on assets
22.9%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-07-2025, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
14 d early
2023
13 d early
2022
45 d early
2021
17 d early
2020
16 d early
2019
61 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€53k▲ 139%
2023 · €22k
2018: €33k
2019: €17k
2020: €22k
2021: €66k
2022: €88k
2023: €22k
2018 → 2024
Total assets
€135k▲ 62.5%
2023 · €83k
2018: €69k
2019: €74k
2020: €79k
2021: €114k
2022: €133k
2023: €83k
2018 → 2024
Net result
€31k
2023 · €-66k
2018: €99
2019: €-16k
2020: €5k
2021: €44k
2022: €22k
2023: €-66k
2018 → 2024
Working capital
€32k
2023 · €-5k
2018: €28k
2019: €11k
2020: €14k
2021: €53k
2022: €63k
2023: €-5k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€22k-€66k▲ 198%€88k▲ 33.9%€22k▼ 74.7%€53k▲ 139%
Operating result€10k-€59k▲ 513%€34k▼ 42.1%€-64k€33k
Net result€5k-€44k▲ 808%€22k▼ 49.0%€-66k€31k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €33k after a loss of €64k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €135k
Fixed assets
€27k▼ 20.5%
Current assets
€108k▲ 120%
Equity and liabilities €135k
Equity
€53k▲ 139%
Debt
€82k▲ 34.5%
The debt ratio falls from 73.2% to 60.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€40k▲
2023 · €-56k
Cash flow
€37k▲
2023 · €-57k
Solvency
39.4%▲
2023 · 26.8%
Current ratio
1.43▲
2023 · 0.90
Quick ratio
1.43▲
2023 · 0.90
Debt / equity
1.54▼
2023 · 2.73
ROE
58.2%▲
2023 · -295.7%
ROA
22.9%▲
2023 · -79.2%
Interest coverage
13.40▲
2023 · -42.29
Debt
€82k▲
2023 · €61k
Debt ≤ 1 year
€76k▲
2023 · €54k
Income taxes
€258▼
2023 · €328
Staff costs
€5k▼
2023 · €27k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€83k€135k▲
Fixed assets21/28€34k€27k▼
Intangible fixed assets21€378-
Tangible fixed assets22/27€30k€23k▼
Plant, machinery and equipment23€23k€18k▼
Furniture and vehicles24€7k€5k▼
Financial fixed assets28€4k€4k=
Current assets29/58€49k€108k▲
Amounts receivable within one year40/41€46k€103k▲
Trade receivables40€41k€84k▲
Other amounts receivable41€5k€19k▲
Cash at bank and in hand54/58€419€2k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€83k€135k▲
Equity10/15€22k€53k▲
Contributions10/11€12k€12k=
Reserves13€69k€69k=
Distributable reserves133€69k€69k=
Profit (loss) carried forward14€-59k€-28k▲
Amounts payable17/49€61k€82k▲
Amounts payable within one year42/48€54k€76k▲
Financial debts43€16k€5k▼
Credit institutions430/8€16k€5k▼
Trade debts44€11k€57k▲
Suppliers440/4€11k€16k▲
Bills of exchange payable441-€40k
Taxes, remuneration and social security45€27k€14k▼
Taxes450/3€22k€14k▼
Remuneration and social security454/9€5k-
Accrued charges and deferred income492/3€7k€6k▼
Income statement
Code20232024
Remuneration, social security and pensions62€27k€5k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€6k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€3k-
Other operating charges640/8€4k€2k▼
Gross operating margin9900€-23k€47k▲
Operating profit (loss)9901€-64k€33k▲
Financial income75/76B€430€749▲
Recurring financial income75€430€749▲
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€-65k€31k▲
Income taxes67/77€328€258▼
Profit (loss) for the period9904€-66k€31k▲
Profit (loss) for the period to be appropriated9905€-66k€31k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-59k€-28k▲
Profit (loss) brought forward from the previous period14P€6k€-59k▼
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €31k
Net result €31k after one loss-making year.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-66k ▼395%
Net result drops to €-66k, the lowest in the series; recovery starts the following year.
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €44k ▲808%
Operating result €59k, net result €44k, both a record.
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
15-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
23-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Antwerpen · 1 establishment unit since 2015
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.
Clementinastraat 242018 AntwerpenGround area
1,078 m²
Building footprint
451 m²
Volume, LiDAR
3,436 m³
Parcel 11810K1677/00N002, Flanders · tallest building 13.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BF Architecure
since 20152.242.711.858
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11810K1677/00N002 | Flanders | 1,078 m² | 1 · 451 m² | 13.5 m · 3 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 2,471 EUR awarded · 2,471 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 2,471 EUR | 2,471 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
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Of 18,256 companies in sector 71111 we hold annual accounts for 6,321. 5,370 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-05-2015
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.