Celora-Architecten
ActiveCelora-Architecten has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €167k and a net result of €19k. Equity is growing by ~51.1% per year across the filed fiscal years. Its solvency ranks better than 14% of 1987 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability31▼-4
Solvency34▲+1
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 23.35 against 16.61 in 2024; short-term debt: 4.3% and cash: 26.3% of total assets), but 91.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · 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 · 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
8.5%
Return on assets
1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 1987 sector peers (2025).
NBB · sector comparisonPosition among 1987 sector peers
Solvency
better than 14%
← 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 03-07-2026, 28 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
28 d early
2024
29 d early
2023
22 d early
2022
27 d early
2021
20 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€167k▲ 12.7%
2024 · €148k
2021: €34k
2022: €65k
2023: €98k
2024: €148k
2021 → 2025
Total assets
€1.96M▲ 3.7%
2024 · €1.89M
2021: €460k
2022: €1.34M
2023: €1.54M
2024: €1.89M
2021 → 2025
Net result
€19k▼ 62.5%
2024 · €50k
2021: €19k
2022: €31k
2023: €33k
2024: €50k
2021 → 2025
Working capital
€1.87M▲ 6.1%
2024 · €1.76M
2021: €98k
2022: €1.23M
2023: €1.37M
2024: €1.76M
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€34k-€65k▲ 89.6%€98k▲ 51.0%€148k▲ 51.6%€167k▲ 12.7%
Operating result€26k-€79k▲ 203%€115k▲ 44.9%€189k▲ 64.4%€144k▼ 23.6%
Net result€19k-€31k▲ 59.8%€33k▲ 7.8%€50k▲ 52.7%€19k▼ 62.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 24% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.96M
Fixed assets
€4k▼ 65.3%
Current assets
€1.96M▲ 4.1%
Equity and liabilities €1.96M
Equity
€167k▲ 12.7%
Debt
€1.79M▲ 3.0%
The debt ratio falls from 92.2% to 91.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€152k▼
2024 · €197k
Cash flow
€26k▼
2024 · €59k
Solvency
8.5%▲
2024 · 7.8%
Current ratio
23.35▲
2024 · 16.61
Quick ratio
8.25▲
2024 · 7.97
Debt / equity
10.73▼
2024 · 11.75
ROE
11.3%▼
2024 · 34.0%
ROA
1.0%▼
2024 · 2.7%
Interest coverage
1.28▼
2024 · 1.60
Debt
€1.79M▲
2024 · €1.74M
Debt ≤ 1 year
€84k▼
2024 · €113k
Debt > 1 year
€1.71M▲
2024 · €1.63M
Income taxes
€7k▼
2024 · €15k
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€1.89M€1.96M▲
Fixed assets21/28€11k€4k▼
Tangible fixed assets22/27€11k€4k▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€11k€4k▼
Current assets29/58€1.88M€1.96M▲
Stocks and contracts in progress3€976k€1.26M▲
Stocks30/36€976k€1.26M▲
Amounts receivable within one year40/41€141k€166k▲
Trade receivables40€13k€11k▼
Other amounts receivable41€127k€155k▲
Cash at bank and in hand54/58€752k€514k▼
Deferred charges and accrued income490/1€8k€11k▲
Equity and liabilities
Total equity and liabilities10/49€1.89M€1.96M▲
Equity10/15€148k€167k▲
Contributions10/11€15k€15k=
Reserves13€133k€152k▲
Distributable reserves133€133k€152k▲
Amounts payable17/49€1.74M€1.79M▲
Amounts payable after more than one year17€1.63M€1.71M▲
Financial debts170/4€1.63M€1.71M▲
Amounts payable within one year42/48€113k€84k▼
Trade debts44€7k€1k▼
Suppliers440/4€7k€1k▼
Taxes, remuneration and social security45€68k€42k▼
Taxes450/3€68k€42k▼
Other amounts payable47/48€38k€40k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€7k▼
Other operating charges640/8€5k€4k▼
Gross operating margin9900€203k€155k▼
Operating profit (loss)9901€189k€144k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€123k€118k▼
Recurring financial charges65€123k€118k▼
Profit (loss) for the period before taxes9903€66k€26k▼
Income taxes67/77€15k€7k▼
Profit (loss) for the period9904€50k€19k▼
Profit (loss) for the period to be appropriated9905€50k€19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€50k€19k▼
Transfer to equity691/2€50k€19k▼
To other reserves6921€50k€19k▼
The notes to these accounts (9 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €19k ▼62.5%
Net result drops to €19k, the lowest in the series.
31-12
Financial
Equity above €150kEq €167k ▲12.7%
5 profitable years in a row build equity to €167k.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2021net €50k ▲52.7%
Operating result €189k, net result €50k, both a record.
31-12
Financial
Equity above €100kEq €148k ▲51.6%
4 profitable years in a row build equity to €148k.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Liquidity times 13current ratio 17.07
Current ratio from 1.30 to 17.07; short-term debt falls from €325k to €77k.
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Herentals · 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.
Lichtaartseweg(HRT) 2332200 HerentalsGround area
2,003 m²
Building footprint
210 m²
Volume, LiDAR
1,083 m³
Parcel 13011B0445/00D003, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Celora
since 20212.319.166.070
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13011B0445/00D003 | Flanders | 2,003 m² | 1 · 210 m² | 7.5 m · 2 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
2024 to 2025 · 2 entries · 3,600 EUR awarded · 3,600 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,175 EUR | 2,175 EUR |
| 2024 | 1 | 1,425 EUR | 1,425 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 3,919 companies in sector 71112 we hold annual accounts for 1,296. 1,000 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-07-2021
Fiscal year end31-12
Activities, NACEBEL
71112Activities of interior architects
68110Buying and selling of own real estate
71111Activities of building architects
71113Urban planning and landscape architecture
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.