BLOCH
ActiveBLOCH has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3k and a net result of €-1k. Equity is shrinking by ~2.5% per year across the filed fiscal years. Its solvency ranks better than 17% 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
Solvency24▼-44
Growth32▼-46
Stability94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.16 against 1.55 in 2024), and 86.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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 2025Solvency, return and age of the figures
Solvency
13.7%
Return on assets
-6.2%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 9384 sector peers (2025).
NBB · sector comparisonPosition among 9384 sector peers
Solvency
better than 17%
← 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 18-05-2026, 74 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
74 d early
2024
65 d early
2023
85 d early
2022
75 d early
2021
45 d early
← 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
€3k▼ 75.6%
2024 · €13k
2021: €11k
2022: €12k
2023: €14k
2024: €13k
2021 → 2025
Total assets
€23k▼ 36.9%
2024 · €37k
2021: €28k
2022: €42k
2023: €40k
2024: €37k
2021 → 2025
Net result
€-1k
2024 · €9k
2021: €9k
2022: €1k
2023: €2k
2024: €9k
2021 → 2025
Working capital
€3k▼ 75.6%
2024 · €13k
2021: €7k
2022: €10k
2023: €13k
2024: €13k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€11k-€12k▲ 10.8%€14k▲ 13.8%€13k▼ 7.4%€3k▼ 75.6%
Operating result€12k-€3k▼ 78.5%€3k▲ 26.7%€14k▲ 328%€703▼ 94.9%
Net result€9k-€1k▼ 86.2%€2k▲ 41.9%€9k▲ 418%€-1k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 95% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €23k
Equity
€3k▼ 75.6%
Debt
€20k▼ 15.8%
The debt ratio rises from 64.6% to 86.3%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€703▼
2024 · €15k
Cash flow
€-1k▼
2024 · €10k
Solvency
13.7%▼
2024 · 35.4%
Current ratio
1.16▼
2024 · 1.55
Quick ratio
1.16▼
2024 · 1.55
Debt / equity
6.30▲
2024 · 1.83
ROE
-45.0%▼
2024 · 68.0%
ROA
-6.2%▼
2024 · 24.0%
Interest coverage
0.44▼
2024 · 9.25
Debt
€20k▼
2024 · €24k
Debt ≤ 1 year
€20k▼
2024 · €24k
Income taxes
€560▼
2024 · €3k
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€37k€23k▼
Fixed assets21/28€0-
Intangible fixed assets21€0-
Tangible fixed assets22/27€0-
Furniture and vehicles24€0-
Current assets29/58€37k€23k▼
Amounts receivable within one year40/41€21k€19k▼
Trade receivables40€21k€18k▼
Other amounts receivable41€485€485=
Cash at bank and in hand54/58€16k€5k▼
Equity and liabilities
Total equity and liabilities10/49€37k€23k▼
Equity10/15€13k€3k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€11k€715▼
Amounts payable17/49€24k€20k▼
Amounts payable within one year42/48€24k€20k▼
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€7k€6k▼
Taxes450/3€7k€6k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€15k€12k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€0▼
Other operating charges640/8€6k€928▼
Gross operating margin9900€21k€2k▼
Operating profit (loss)9901€14k€703▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€12k€-886▼
Income taxes67/77€3k€560▼
Profit (loss) for the period9904€9k€-1k▼
Profit (loss) for the period to be appropriated9905€9k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€21k€9k▼
Profit (loss) brought forward from the previous period14P€12k€11k▼
Profit to be distributed694/7€10k€9k▼
Return on contributions (dividend)694€10k€9k▼
The notes to these accounts (6 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
18-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-1k ▼116%
Net result drops to €-1k, the lowest in the series.
27-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €9k ▲418%
Operating result €14k, net result €9k, both a record.
07-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Ham-sur-Heure-Nalinnes · 1 establishment unit since 2021
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 Docteur F.Dufour(NAL) 56120 Ham-sur-Heure-NalinnesGround area
69 m²
Building footprint
61 m²
Volume, LiDAR
583 m³
Parcel 52025C0092/00G000, Wallonia · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BLOCH
since 20212.323.783.963
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52025C0092/00G000 | Wallonia | 69 m² | 1 · 61 m² | 11.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via establishment units: 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 18,208 companies in sector 71111 we hold annual accounts for 6,292. 1,629 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-10-2021
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
68110Buying and selling of own real estate
71112Activities of interior architects
71113Urban planning and landscape architecture
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:bloch.architecte@gmail.com