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CAP'ARCHITECTURE

Active
Private limited companyfounded 20215 yrs activeRue des Victoria Cross 27, 7030 Mons, BelgiumKBO/BCE: BE 0771.308.564
Summary

CAP'ARCHITECTURE has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€25,167) and a net result of €12,254. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 9% of 866 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Overview

Activity
Activities of building architects
NACE 71111
1 site
Size
€260,843total assets 2025
Equity
-€25,167
Profit
€12,254
Financial health
55 Fair Checked score 2025
Bankruptcy chance 12 m
0.3%
Structure
Accounts 59 d early0 of 1 deed read
Why 55Capped at 59: negative equity- Negative equity -€25,167+ Sector Architectural and engineering activities; technical testing and analysis (NACE 71)+ Size: total assets €260,843+ Figures for FY 2025 (filed 06-06-2026)Show the evidence

Checked score

Score 2025
55 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 43% of its sector peers (NACE 71, micro)
Performance against the sector, not lower risk
Negative equity caps the score at 59. Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 15+4
equity -9.6% of total assets
Liquidity 62+8
short-term debt 10.6% · cash 9.6%
Profitability 75+1
return on assets 4.7%
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (14,689 companies)
Last 24 months 11-2024: 0.8%highest value 12-2024: 0.8%● 0.0% vs 11-2024highest value 01-2025: 0.8%▼ -1.3% vs 12-2024 02-2025: 0.8%▼ -1.3% vs 01-2025 03-2025: 0.7%▼ -9.0% vs 02-2025 04-2025: 0.7%▲ +0.3% vs 03-2025 05-2025: 0.7%▲ +2.7% vs 04-2025 06-2025: 0.7%▲ +1.0% vs 05-2025 07-2025: 0.7%▲ +0.5% vs 06-2025 08-2025: 0.4%▼ -45.9% vs 07-2025 09-2025: 0.4%● 0.0% vs 08-2025 10-2025: 0.4%● 0.0% vs 09-2025 11-2025: 0.4%● 0.0% vs 10-2025 12-2025: 0.4%▲ +3.8% vs 11-2025 01-2026: 0.4%▼ -0.7% vs 12-2025 02-2026: 0.4%● 0.0% vs 01-2026 03-2026: 0.4%● 0.0% vs 02-2026 04-2026: 0.4%▲ +5.1% vs 03-2026 05-2026: 0.5%▲ +6.5% vs 04-2026 06-2026: 0.5%▲ +3.5% vs 05-2026 07-2026: 0.3%▼ -29.9% vs 06-2026 08-2026: 0.3%▲ +1.2% vs 07-2026 09-2026: 0.3%● 0.0% vs 08-2026 10-2026: 0.3%▼ -2.1% vs 09-2026lowest value
  • Sector Architectural and engineering activities; technical testing and analysis (NACE 71) lowers the probability
  • Size: total assets €260,843 lowers the probability for this profile
  • Negative equity -€25,167 raises the probability
  • Figures for FY 2025 (filed 06-06-2026) lowers the probability
No credit on open account
Liquidity short (current ratio 0.99 against 0.77 in 2024; short-term debt: 10.6% and cash: 9.6% of total assets), and equity is negative.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 71, micro). Better than this share of them on solvency 7%, liquidity 49%, profitability 39%, growth against the median 75%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Sector Architectural and engineering activities; technical testing and analysis (NACE 71)
In the bankruptcy model this factor lowers the probability.
KBO
lowers risk · Size: total assets €260,843
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Negative equity -€25,167
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 06-06-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 866 sector peers (2025).
NBB · sector comparison
Position among 866 sector peers
Solvency
better than 9%
← 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 02-06-2026, 59 days ahead of the deadline.
NBB · 5 filings
Deviation from the deadline
2025
59 d early
2024
30 d early
2023
12 d early
2022
35 d early
2021
78 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 12 days before the deadline; the sector median for financial year 2024 is 8 days before the deadline, and 34% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 1 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
04-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · full…
  2. Highest result since 2021net €12,254 ▲19.1%
  3. Annual accounts filedfiscal year 2024 · full…

Financials · fiscal year 2025, full schema

Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€12,254▲ 19.1%
2024 · €10,291
Working capital
-€357▲ 94.1%
2024 · -€6,087
Trend over the years

2021 to 2025, 5 fiscal years

After the dip in 2022 the operating result has climbed three years in a row; 2025 is 10% above 2024 and is the highest result in the available series.

What the company sold each fiscal year and what was left of it. A loss stands below the zero line.

Operating result€16,554 2025 Net result€12,254 2025

Point at or tap a year, or use the arrow keys on the chart, for the exact figures; the table below gives them all.Sector: 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. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result€7,098--€33,347-€12,914▲ 61.3%€15,005€16,554▲ 10.3%
Net result€5,197within the sector's middle half--€44,706below the sector's middle half-€18,204below the sector's middle half▲ 59.3%€10,291within the sector's middle half€12,254within the sector's middle half▲ 19.1%
Equity€15,197below the sector's middle half--€29,508below the sector's middle half-€47,712below the sector's middle half▼ 61.7%-€37,421below the sector's middle half▲ 21.6%-€25,167below the sector's middle half▲ 32.7%
Total assets€120,176within the sector's middle half-€306,833within the sector's middle half▲ 155%€279,182within the sector's middle half▼ 9.0%€268,221below the sector's middle half▼ 3.9%€260,843below the sector's middle half▼ 2.8%
Debt€104,979-€336,341▲ 220%€326,894▼ 2.8%€305,642▼ 6.5%€286,010▼ 6.4%
Working capital-€12,444below the sector's middle half--€82,180below the sector's middle half▼ 560%-€94,770below the sector's middle half▼ 15.3%-€6,087below the sector's middle half▲ 93.6%-€357below the sector's middle half▲ 94.1%
Solvency12.6%below the sector's middle half--9.6%below the sector's middle half▼ 22.3pp-17.1%below the sector's middle half▼ 7.5pp-14.0%below the sector's middle half▲ 3.1pp-9.6%below the sector's middle half▲ 4.3pp
Current ratio0.63below the sector's middle half-0.19below the sector's middle half▼ 0.440.11below the sector's middle half▼ 0.080.77below the sector's middle half▲ 0.650.99below the sector's middle half▲ 0.22
Return on assets (ROA)4.3%within the sector's middle half--14.6%below the sector's middle half▼ 18.9pp-6.5%below the sector's middle half▲ 8.0pp3.8%within the sector's middle half▲ 10.4pp4.7%within the sector's middle half▲ 0.9pp
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.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €260,843
Fixed assets €233,603 ▼ 5.8%
Current assets €27,240 ▲ 34.9%
Equity and liabilities
Equity-€25,167
Debt€286,010
Equity is negative: debt (€286,010) exceeds the balance-sheet total (€260,843).
Key figures and ratios
2025 value · change against 2024
EBITDA
€32,585▼
2024 · €35,854
Cash flow
€28,285▼
2024 · €31,141
Interest coverage
7.94▲
2024 · 7.73
Debt ≤ 1 year
€27,597▲
2024 · €26,279
Debt > 1 year
€258,413▼
2024 · €279,363
Income taxes
€226▼
2024 · €277
No debt to equity: equity is negative, so debt divided by equity means nothing.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 906 companies that looked in July 2024 the way this one looks now, 6.1% went bankrupt within 24 months and 89% are still going.

  • Micro
  • 5 to 10 years old
  • negative equity
  • a profit under 5% of the balance sheet
6.1% went bankrupt
4.1% stopped otherwise
89% still going

A further 0.6% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a lower bankruptcy probability: 0.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,472 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.8%
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 906 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines
Balance sheet Code20242025
Assets
Total assets20/58€268,221€260,843▼
Fixed assets21/28€248,029€233,603▼
Intangible fixed assets21€53,984€45,984▼
Tangible fixed assets22/27€191,021€184,595▼
Land and buildings22€189,215€181,722▼
Furniture and vehicles24€1,805€2,873▲
Financial fixed assets28€3,025€3,025=
Current assets29/58€20,192€27,240▲
Amounts receivable within one year40/41€9,245€2,142▼
Trade receivables40€9,245€2,142▼
Cash at bank and in hand54/58€8,698€25,098▲
Deferred charges and accrued income490/1€2,249-
Equity and liabilities
Total equity and liabilities10/49€268,221€260,843▼
Equity10/15-€37,421-€25,167▲
Contributions10/11€10,000€10,000=
Outside capital11€10,000€10,000=
Share premium1100/10-€10,000
Other1109/19€10,000-
Profit (loss) carried forward14-€47,421-€35,167▲
Amounts payable17/49€305,642€286,010▼
Amounts payable after more than one year17€279,363€258,413▼
Financial debts170/4€201,363€185,413▼
Other amounts payable178/9€78,000€73,000▼
Amounts payable within one year42/48€26,279€27,597▲
Current portion of amounts payable after more than one year42€19,221€15,950▼
Trade debts44€2,085€2,048▼
Suppliers440/4€192€2,048▲
Bills of exchange payable441€1,894-
Taxes, remuneration and social security45€3,100€5,951▲
Taxes450/3€3,100€5,951▲
Other amounts payable47/48€1,873€3,647▲
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20,850€16,031▼
Other operating charges640/8€2,672€2,865▲
Gross operating margin9900€38,526€35,451▼
Operating profit (loss)9901€15,005€16,554▲
Financial income75/76B€203€219▲
Recurring financial income75€203€219▲
Financial charges65/66B€4,639€4,293▼
Recurring financial charges65€4,639€4,105▼
Non-recurring financial charges66B-€188
Profit (loss) for the period before taxes9903€10,569€12,480▲
Income taxes67/77€277€226▼
Profit (loss) for the period9904€10,291€12,254▲
Profit (loss) for the period to be appropriated9905€10,291€12,254▲
Appropriation of the result
Profit (loss) to be appropriated9906-€47,421-€35,167▲
Profit (loss) brought forward from the previous period14P-€57,712-€47,421▲

The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3,378€18,783€22,077€20,850€16,031▼ 23.1%
Other operating charges640/8€1,595€10,158€770€2,672€2,865▲ 7.2%
Gross operating margin9900€12,072-€4,406€9,933€38,526€35,451▼ 8.0%
Operating profit (loss)9901€7,098-€33,347-€12,914€15,005€16,554▲ 10.3%
Financial income75/76B--€86€203€219▲ 7.7%
Recurring financial income75--€86€203€219▲ 7.7%
Financial charges65/66B€348€11,359€5,376€4,639€4,293▼ 7.5%
Recurring financial charges65€348€11,359€5,376€4,639€4,105▼ 11.5%
Non-recurring financial charges66B----€188-
Profit (loss) for the period before taxes9903€6,750-€44,706-€18,204€10,569€12,480▲ 18.1%
Income taxes67/77€1,552--€277€226▼ 18.6%
Profit (loss) for the period9904€5,197-€44,706-€18,204€10,291€12,254▲ 19.1%
Profit (loss) for the period to be appropriated9905€5,197-€44,706-€18,204€10,291€12,254▲ 19.1%
Line20212022202320242025Change
Assets
Total assets20/58€120,176€306,833€279,182€268,221€260,843▼ 2.8%
Fixed assets21/28€99,033€287,562€266,985€248,029€233,603▼ 5.8%
Intangible fixed assets21€77,984€69,984€61,984€53,984€45,984▼ 14.8%
Tangible fixed assets22/27€18,524€214,553€201,976€191,021€184,595▼ 3.4%
Land and buildings22-€202,657€196,708€189,215€181,722▼ 4.0%
Furniture and vehicles24€18,524€11,896€5,268€1,805€2,873▲ 59.1%
Financial fixed assets28€2,525€3,025€3,025€3,025€3,025=
Current assets29/58€21,143€19,271€12,197€20,192€27,240▲ 34.9%
Amounts receivable within one year40/41€16,543€1,366€10,353€9,245€2,142▼ 76.8%
Trade receivables40€16,543€1,358€10,353€9,245€2,142▼ 76.8%
Other amounts receivable41-€7----
Cash at bank and in hand54/58€4,600€17,905€1,844€8,698€25,098▲ 189%
Deferred charges and accrued income490/1---€2,249--
Equity and liabilities
Total equity and liabilities10/49€120,176€306,833€279,182€268,221€260,843▼ 2.8%
Equity10/15€15,197-€29,508-€47,712-€37,421-€25,167▲ 32.7%
Contributions10/11€10,000€10,000€10,000€10,000€10,000=
Outside capital11---€10,000€10,000=
Share premium1100/10----€10,000-
Other1109/19---€10,000--
Profit (loss) carried forward14€5,197-€39,508-€57,712-€47,421-€35,167▲ 25.8%
Amounts payable17/49€104,979€336,341€326,894€305,642€286,010▼ 6.4%
Amounts payable after more than one year17€71,391€234,890€219,927€279,363€258,413▼ 7.5%
Financial debts170/4€71,391€231,890€216,927€201,363€185,413▼ 7.9%
Other amounts payable178/9-€3,000€3,000€78,000€73,000▼ 6.4%
Amounts payable within one year42/48€33,588€101,451€106,967€26,279€27,597▲ 5.0%
Current portion of amounts payable after more than one year42€3,889€18,746€22,358€19,221€15,950▼ 17.0%
Trade debts44€360€7,080-€2,085€2,048▼ 1.8%
Suppliers440/4€360€7,080-€192€2,048▲ 970%
Bills of exchange payable441---€1,894--
Taxes, remuneration and social security45€4,337€2,618€10,195€3,100€5,951▲ 92.0%
Taxes450/3€4,259€2,618€6,216€3,100€5,951▲ 92.0%
Remuneration and social security454/9€78-€3,979---
Other amounts payable47/48€25,002€73,007€74,414€1,873€3,647▲ 94.8%
Line20212022202320242025Change
Profit (loss) for the period9904€5,197-€44,706-€18,204€10,291€12,254▲ 19.1%
+ Depreciation and write-downs630€3,378€18,783€22,077€20,850€16,031▼ 23.1%
Operating cash flow (approximation)€8,576-€25,923€3,873€31,141€28,285▼ 9.2%
Investment in fixed assets (approximation)--€207,312-€1,500-€1,894-€1,605▲ 15.2%
Change in cash-€13,305-€16,061€6,855€16,400▲ 139%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Similar companies · same sector and region

This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 18,282 companies in this sector we hold annual accounts for 6,422. See the whole sector

Directors

Directors
No directors read yet: 0 of 1 Gazette act processed. See the function holders in the CBE →

Owners and capital

Owners

No owners or capital events in the accounts and acts we read.

History

CAP'ARCHITECTURE was incorporated on 12 July 2021 as a Private limited company.1 Total assets rose from €120,176 in 2021 to €260,843 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2021 and 2025

Acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
02-06
NBB filing Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial Highest result since 2021net €12,254 ▲19.1%
Operating result €16,554, net result €12,254, both a record.
01-07
NBB filing Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial Back to profitnet €10,291
Net result €10,291 after 2 loss-making years.
19-07
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
26-06
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial Weakest financial yearnet -€44,706
Net result drops to -€44,706, the lowest in the series; recovery starts the following year.
17-10
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 78 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Register details

Identification
Legal formPrivate limited company
Founded12-07-2021
Fiscal year end31-12
Activities, NACEBEL 2025
71111Activities of building architects
E-invoicing
Reachable via Peppol
Peppol ID 0208:0771308564
Also 9925:BE0771308564
Registered 29-12-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 4 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Sites & property

Location & real-estate footprint
Registered office, Mons · 1 establishment unit since 2021
seat establishment The establishment unit on the map
Ground area
291 m²
Building footprint
75 m²
Volume, LiDAR
507 m³
Parcel 53071B0422/00P005, Wallonia · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CAP'ARCHITECTURE
Rue des Victoria Cross 27, 7030 MonsActivities of building architects
since 2021unit no. 2.323.515.828
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
53071B0422/00P005 Wallonia 291 m² 1 · 75 m² 8.1 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.