BLOW ARCHITECTES
ActiveBLOW ARCHITECTES has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2k and a net result of €-1k. Equity is growing by ~16.7% per year across the filed fiscal years. Its solvency ranks better than 10% of 9450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
50
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability35▲+35
Solvency26▼-1
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Nine 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 2025Solvency, return and age of the figures
Solvency
0.9%
Return on assets
-0.6%
Age of the figures
9 mo
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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-1k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 9450 sector peers (2025).
NBB · sector comparisonPosition among 9450 sector peers
Solvency
better than 10%
← 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 02-03-2026, 151 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
151 d early
2024
155 d early
2023
135 d early
2022
41 d early
2021
131 d early
2020
165 d early
2019
46 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2k▼ 40.6%
2024 · €4k
2018: €-30k
2019: €-29k
2020: €-31k
2021: €-30k
2022: €-30k
2023: €26k
2024: €4k
2018 → 2025
Total assets
€236k▲ 18.2%
2024 · €200k
2018: €139k
2019: €162k
2020: €205k
2021: €196k
2022: €187k
2023: €240k
2024: €200k
2018 → 2025
Net result
€-1k▲ 96.2%
2024 · €-38k
2018: €-33k
2019: €2k
2020: €3k
2021: €2k
2022: €-449
2023: €-4k
2024: €-38k
2018 → 2025
Working capital
€-103k▼ 10.7%
2024 · €-93k
2018: €-35k
2019: €8k
2020: €9k
2021: €-15k
2022: €-36k
2023: €-56k
2024: €-93k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-30k-€-30k▼ 1.5%€26k€4k▼ 86.5%€2k▼ 40.6%
Operating result€8k-€8k▼ 0.1%€5k▼ 38.3%€-30k€8k
Net result€2k-€-449€-4k▼ 740%€-38k▼ 895%€-1k▲ 96.2%
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 2025: €8k after a loss of €30k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €236k
Fixed assets
€174k▲ 7.5%
Current assets
€62k▲ 64.4%
Equity and liabilities €236k
Equity
€2k▼ 40.6%
Debt
€234k▲ 19.3%
The debt ratio rises from 98.2% to 99.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€17k▲
2024 · €-20k
Cash flow
€8k▲
2024 · €-28k
Solvency
0.9%▼
2024 · 1.8%
Current ratio
0.38▲
2024 · 0.29
Quick ratio
0.38▲
2024 · 0.29
ROE
-68.3%
ROA
-0.6%▲
2024 · -18.8%
Interest coverage
1.99▲
2024 · -2.86
Debt
€234k▲
2024 · €196k
Debt ≤ 1 year
€165k▲
2024 · €131k
Debt > 1 year
€69k▲
2024 · €66k
Income taxes
€739▼
2024 · €767
A ratio outside any meaningful range has been withheld (balance sheet total €236k, equity €2k).
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€200k€236k▲
Fixed assets21/28€162k€174k▲
Intangible fixed assets21€298€2k▲
Tangible fixed assets22/27€162k€172k▲
Land and buildings22€160k€156k▼
Furniture and vehicles24€2k€16k▲
Financial fixed assets28€50€50=
Current assets29/58€38k€62k▲
Amounts receivable within one year40/41€35k€59k▲
Trade receivables40€35k€59k▲
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€200k€236k▲
Equity10/15€4k€2k▼
Contributions10/11€12k€12k=
Revaluation surpluses12€75k€75k=
Profit (loss) carried forward14€-84k€-85k▼
Amounts payable17/49€196k€234k▲
Amounts payable after more than one year17€66k€69k▲
Financial debts170/4€66k€69k▲
Amounts payable within one year42/48€131k€165k▲
Current portion of amounts payable after more than one year42€10k€15k▲
Financial debts43€64k€99k▲
Credit institutions430/8€64k€99k▲
Trade debts44€11k€8k▼
Suppliers440/4€11k€8k▼
Taxes, remuneration and social security45€12k€9k▼
Taxes450/3€12k€9k▼
Other amounts payable47/48€34k€34k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€-19k€18k▲
Operating profit (loss)9901€-30k€8k▲
Financial charges65/66B€7k€9k▲
Recurring financial charges65€7k€9k▲
Profit (loss) for the period before taxes9903€-37k€-683▲
Income taxes67/77€767€739▼
Profit (loss) for the period9904€-38k€-1k▲
Profit (loss) for the period to be appropriated9905€-38k€-1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-84k€-85k▼
Profit (loss) brought forward from the previous period14P€-46k€-84k▼
The notes to these accounts (12 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
02-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-38k
Net result drops to €-38k, the lowest in the series; recovery starts the following year.
18-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
16-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €3k ▲101%
Operating result €10k, net result €3k, both a record.
15-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.24
Current ratio from 0.38 to 1.24; short-term debt falls from €56k to €32k.
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
14-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
09-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Charleroi · 1 establishment unit since 2013
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.
Boulevard Audent 266000 CharleroiGround area
565 m²
Building footprint
249 m²
Volume, LiDAR
6,822 m³
Parcel 52011B0239/00X177, Wallonia · tallest building 31.9 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
BLOW ARCHITECTES
since 20132.219.066.228
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52011B0239/00X177 | Wallonia | 565 m² | 1 · 249 m² | 31.9 m · 9 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.
Similar companies · same sector, comparable size
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ENTER BXL ATELIER D'ARCHITECTURE
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Daphné Dulait Architecture & Design
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A.G.S. Concept
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Of 18,256 companies in sector 71111 we hold annual accounts for 6,321. 1,139 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-05-2013
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.