BURO3VD
ActiveSummary
BURO3VD has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5.4m and a net result of €641,083. Equity is growing by ~25.1% per year across the filed fiscal years. Its solvency ranks better than 83% of 2033 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability80▼-7
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €450,000 at 30 days acceptable
Liquidity ample (current ratio 2.02 against 2.17 in 2024; short-term debt: 19% and cash: 15.7% of total assets), and 23% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five 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
Architectural and engineering activities; technical testing and analysis (NACE 71)
about 56% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
77%
Return on assets
9.1%
Age of the figures
12 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
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-04-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
6 d early
2023
1 d early
2022
3 d early
2021
2 d early
2020
1 d early
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 2 days before the deadline; the sector median for financial year 2024 is 8 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 27 April (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€5.4m▼ 0.9%
2024 · €5.5m
Total assets
€7.1m▼ 0.7%
2024 · €7.1m
Net result
€641,083▼ 36.7%
2024 · €1.0m
Working capital
€1.4m▼ 9.0%
2024 · €1.5m
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 71, Architectural and engineering activities; technical testing and analysis, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€1.6m▲ 38.9%€1.5m▼ 3.7%€2.0m▲ 33.2%€1.5m▼ 23.6%€1.0m▼ 33.3%
Net result€1.0mabove the sector's middle half▲ 47.6%€986,112above the sector's middle half▼ 3.9%€1.3mabove the sector's middle half▲ 34.0%€1.0mabove the sector's middle half▼ 23.4%€641,083above the sector's middle half▼ 36.7%
Equity€3.3mabove the sector's middle half▲ 37.7%€3.7mabove the sector's middle half▲ 12.1%€4.8mabove the sector's middle half▲ 30.3%€5.5mabove the sector's middle half▲ 14.1%€5.4mabove the sector's middle half▼ 0.9%
Total assets€4.4mabove the sector's middle half▲ 29.9%€5.1mabove the sector's middle half▲ 14.1%€6.3mabove the sector's middle half▲ 25.1%€7.1mabove the sector's middle half▲ 12.5%€7.1mabove the sector's middle half▼ 0.7%
Debt€1.1m▲ 11.7%€1.4m▲ 19.7%€1.5m▲ 11.0%€1.6m▲ 7.6%€1.6m▼ 0.3%
Working capital€1.8mabove the sector's middle half▲ 5.2%€1.2mabove the sector's middle half▼ 35.0%€1.6mabove the sector's middle half▲ 36.2%€1.5mabove the sector's middle half▼ 4.8%€1.4mabove the sector's middle half▼ 9.0%
Solvency74.3%above the sector's middle half▲ 4.2pp73.0%above the sector's middle half▼ 1.3pp76.0%above the sector's middle half▲ 3.0pp77.1%above the sector's middle half▲ 1.0pp77.0%above the sector's middle half▼ 0.1pp
Current ratio3.26within the sector's middle half▼ 1.012.31within the sector's middle half▼ 0.952.43within the sector's middle half▲ 0.122.17within the sector's middle half▼ 0.262.02within the sector's middle half▼ 0.15
Return on assets (ROA)23.1%above the sector's middle half▲ 2.8pp19.5%above the sector's middle half▼ 3.6pp20.9%above the sector's middle half▲ 1.4pp14.2%within the sector's middle half▼ 6.7pp9.1%within the sector's middle half▼ 5.1pp
Staff (FTE)21.5above the sector's middle half▼ 17.3%23.1above the sector's middle half▲ 7.4%23.2above the sector's middle half▲ 0.4%21.1above the sector's middle half▼ 9.1%20.3above the sector's middle half▼ 3.8%
above
within
below
the middle half (P25 to P75) of NACE 71, Architectural and engineering activities; technical testing and analysis, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 33% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.1m
Fixed assets
€4.4m ▲ 0.5%
Current assets
€2.7m ▼ 2.7%
Equity and liabilities €7.1m
Equity
€5.4m ▼ 0.9%
Debt
€1.6m ▼ 0.3%
Debt's share of the balance-sheet total rises from 22.9% to 23.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€1.3m▼
2024 · €1.8m
Cash flow
€966,068▼
2024 · €1.3m
Quick ratio
1.28▲
2024 · 1.21
Debt to equity
0.30▲
2024 · 0.30
ROE
11.8%▼
2024 · 18.4%
Interest coverage
18.57▼
2024 · 26.73
Debt ≤ 1 year
€1.3m▲
2024 · €1.3m
Debt > 1 year
€282,371▼
2024 · €348,995
Income taxes
€312,265▼
2024 · €449,990
Staff costs
€886,747▲
2024 · €863,862
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 20,134 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 95% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
4.7%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 20,134 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €717,180 | €851,201 | €917,955 | €863,862 | €886,747 | ▲ 2.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €179,404 | €212,067 | €261,403 | €320,934 | €324,985 | ▲ 1.3% |
| Other operating charges640/8 | €8,678 | €10,220 | €11,012 | €3,910 | €8,265 | ▲ 111% |
| Non-recurring operating charges66A | - | €494 | - | - | - | - |
| Gross operating margin9900 | €2.5m | €2.6m | €3.2m | €2.7m | €2.2m | ▼ 17.6% |
| Operating profit (loss)9901 | €1.6m | €1.5m | €2.0m | €1.5m | €1.0m | ▼ 33.3% |
| Financial income75/76B | €9,880 | €19,406 | €7,297 | €11,023 | €10,049 | ▼ 8.8% |
| Recurring financial income75 | €9,880 | €19,406 | €7,297 | €11,023 | €10,049 | ▼ 8.8% |
| Financial charges65/66B | €63,619 | €62,806 | €70,545 | €72,175 | €72,186 | = |
| Recurring financial charges65 | €63,619 | €62,806 | €70,545 | €68,998 | €72,186 | ▲ 4.6% |
| Non-recurring financial charges66B | - | - | - | €3,177 | - | - |
| Profit (loss) for the period before taxes9903 | €1.5m | €1.5m | €1.9m | €1.5m | €953,348 | ▼ 34.8% |
| Income taxes67/77 | €475,247 | €467,023 | €609,014 | €449,990 | €312,265 | ▼ 30.6% |
| Profit (loss) for the period9904 | €1.0m | €986,112 | €1.3m | €1.0m | €641,083 | ▼ 36.7% |
| Profit (loss) for the period to be appropriated9905 | €1.0m | €986,112 | €1.3m | €1.0m | €641,083 | ▼ 36.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €4.4m | €5.1m | €6.3m | €7.1m | €7.1m | ▼ 0.7% |
| Fixed assets21/28 | €1.9m | €3.0m | €3.7m | €4.3m | €4.4m | ▲ 0.5% |
| Intangible fixed assets21 | €707 | €257 | - | - | - | - |
| Tangible fixed assets22/27 | €1.9m | €3.0m | €3.7m | €4.3m | €4.4m | ▲ 0.5% |
| Land and buildings22 | €979,027 | €2.2m | €2.9m | €3.6m | €3.7m | ▲ 3.7% |
| Plant, machinery and equipment23 | €9,145 | €18,768 | €14,080 | €44,980 | €40,368 | ▼ 10.3% |
| Furniture and vehicles24 | €24,395 | €39,965 | €34,570 | €77,490 | €59,240 | ▼ 23.6% |
| Leasing and similar rights25 | - | €675 | €521 | €521 | - | - |
| Other tangible fixed assets26 | €849,838 | €750,004 | €685,689 | €607,011 | €518,412 | ▼ 14.6% |
| Financial fixed assets28 | €6,089 | €3,509 | €3,509 | €3,509 | €3,509 | = |
| Current assets29/58 | €2.6m | €2.0m | €2.7m | €2.8m | €2.7m | ▼ 2.7% |
| Stocks and contracts in progress3 | €1.1m | €843,162 | €1.1m | €1.2m | €993,703 | ▼ 19.8% |
| Stocks30/36 | €1.1m | €843,162 | €1.1m | €1.2m | €993,703 | ▼ 19.8% |
| Amounts receivable within one year40/41 | €312,740 | €17,700 | €113,460 | €251,538 | €590,658 | ▲ 135% |
| Trade receivables40 | €189,494 | €11,104 | €113,460 | €251,538 | €129,348 | ▼ 48.6% |
| Other amounts receivable41 | €123,246 | €6,596 | - | - | €461,310 | - |
| Cash at bank and in hand54/58 | €1.2m | €1.2m | €1.4m | €1.3m | €1.1m | ▼ 13.5% |
| Deferred charges and accrued income490/1 | €5,846 | €10,249 | €20,886 | €11,401 | €15,978 | ▲ 40.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €4.4m | €5.1m | €6.3m | €7.1m | €7.1m | ▼ 0.7% |
| Equity10/15 | €3.3m | €3.7m | €4.8m | €5.5m | €5.4m | ▼ 0.9% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Outside capital11 | €18,600 | - | - | - | - | - |
| Other1109/19 | €18,600 | - | - | - | - | - |
| Reserves13 | €3.3m | €3.7m | €4.8m | €5.5m | €5.4m | ▼ 0.9% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Tax-exempt reserves132 | €4,350 | €4,350 | €4,350 | €4,350 | €4,350 | = |
| Distributable reserves133 | €3.3m | €3.7m | €4.8m | €5.5m | €5.4m | ▼ 0.9% |
| Amounts payable17/49 | €1.1m | €1.4m | €1.5m | €1.6m | €1.6m | ▼ 0.3% |
| Amounts payable after more than one year17 | €352,993 | €479,708 | €414,770 | €348,995 | €282,371 | ▼ 19.1% |
| Financial debts170/4 | €352,993 | €479,708 | €414,770 | €348,995 | €282,371 | ▼ 19.1% |
| Amounts payable within one year42/48 | €788,576 | €886,343 | €1.1m | €1.3m | €1.3m | ▲ 4.8% |
| Current portion of amounts payable after more than one year42 | €51,110 | €64,110 | €64,938 | €65,775 | €66,624 | ▲ 1.3% |
| Financial debts43 | €208,472 | €291,667 | €200,000 | €376,050 | €396,291 | ▲ 5.4% |
| Credit institutions430/8 | €208,472 | €291,667 | €200,000 | €376,050 | €396,291 | ▲ 5.4% |
| Trade debts44 | €146,435 | €178,237 | €237,795 | €387,832 | €115,048 | ▼ 70.3% |
| Suppliers440/4 | €146,435 | €178,237 | €237,795 | €387,832 | €115,048 | ▼ 70.3% |
| Advances received on contracts in progress46 | €13,086 | - | €44,641 | - | €23,804 | - |
| Taxes, remuneration and social security45 | €365,849 | €155,071 | €314,380 | €218,111 | €183,198 | ▼ 16.0% |
| Taxes450/3 | €280,887 | €82,525 | €233,204 | €95,919 | €104,158 | ▲ 8.6% |
| Remuneration and social security454/9 | €84,963 | €72,546 | €81,176 | €122,192 | €79,040 | ▼ 35.3% |
| Other amounts payable47/48 | €3,624 | €197,257 | €240,413 | €234,019 | €558,034 | ▲ 138% |
| Accrued charges and deferred income492/3 | - | - | - | €1,244 | €2,488 | ▲ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1.0m | €986,112 | €1.3m | €1.0m | €641,083 | ▼ 36.7% |
| + Depreciation and write-downs630 | €179,404 | €212,067 | €261,403 | €320,934 | €324,985 | ▲ 1.3% |
| Operating cash flow (approximation) | €1.2m | €1.2m | €1.6m | €1.3m | €966,068 | ▼ 27.5% |
| Investment in fixed assets (approximation) | - | -€1.4m | -€896,920 | -€1.0m | -€346,190 | ▲ 65.7% |
| Change in cash | - | -€21,435 | €248,277 | -€138,981 | -€173,389 | ▼ 24.8% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
24-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Equity above €5mEq €5.5m ▲14.1%
7 profitable years in a row build equity to €5.5m.
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Highest result since 2018net €1.3m ▲34%
Operating result €2.0m, net result €1.3m, both a record.
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Equity above €2mEq €2.4m ▲40.6%
3 profitable years in a row build equity to €2.4m.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 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 · 4 establishment units since 2002
Ground area
4,791 m²
Building footprint
2,049 m²
Volume, LiDAR
10,216 m³
4 parcels, Brussels, Flanders, Wallonia · tallest building 24.5 m, ±7 floors. Linked by address, not a title deed.
4 establishment units
ZANGRA
since 20022.115.557.627
rue Victor Pochet,Vn 14, 5570 Beauraing
since 20132.227.015.575
R. de la Ferme des Trois Moulins 13, 5570 Beauraing
since 20192.288.583.752
ZANGRA
since 20232.355.365.678
4 parcels
Flanders
1
(25%)
Wallonia
2
(50%)
Brussels
1
(25%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91013A0941/00P000 | Wallonia | 2,955 m² | 1 · 1,046 m² | - |
| 21812N1365/00R000 | Brussels | 1,048 m² | 1 · 536 m² | 24.5 m · 7 fl. |
| 91129A0799/02V000 | Wallonia | 665 m² | 1 · 353 m² | - |
| 11805E0728/00V011 | Flanders | 123 m² | 1 · 114 m² | 12.9 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
4 of 4 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 18,254 companies in sector 71111 we hold annual accounts for 6,321. 594 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded17-07-2002
Fiscal year end30-09
Activities, NACEBEL 2025
47120Other non-specialised retail sale
71111Activities of building architects
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0478011941
Registered
23-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.