dAg Architecte
ActiveSummary
dAg Architecte has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €81k and a net result of €13k. Equity is growing by ~28.2% per year across the filed fiscal years. Its solvency ranks better than 30% of 9494 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability75▲+4
Solvency57▲+10
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.08 against 1.05 in 2024; short-term debt: 30.2% and cash: 0.6% of total assets), and 68.4% of the assets are financed with debt.
Credit check for your own amount and term
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
31.6%
Return on assets
4.9%
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
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
3 d early
2023
28 d late
2022
52 d late
2021
25 d late
2020
60 d late
2019
91 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€81k▲ 18.3%
2024 · €69k
2018: €16klowest in 8 years
2019: €20k▲ +28.4% vs 2018
2020: €17k▼ -17.3% vs 2019
2021: €28k▲ +67.1% vs 2020
2022: €39k▲ +39.9% vs 2021
2023: €62k▲ +59.6% vs 2022
2024: €69k▲ +10.7% vs 2023
2025: €81k▲ +18.3% vs 2024highest in 8 years
2018 → 2025
Total assets
€257k▼ 17.5%
2024 · €312k
2018: €35klowest in 8 years
2019: €49k▲ +37.5% vs 2018
2020: €207k▲ +326% vs 2019
2021: €269k▲ +29.8% vs 2020
2022: €277k▲ +3.2% vs 2021
2023: €288k▲ +3.8% vs 2022
2024: €312k▲ +8.4% vs 2023highest in 8 years
2025: €257k▼ -17.5% vs 2024
2018 → 2025
Net result
€13k▲ 89.6%
2024 · €7k
2018: €-895
2019: €4k▲ +598% vs 2018
2020: €-3k▼ -178% vs 2019lowest in 8 years
2021: €11k▲ +421% vs 2020
2022: €11k▼ -0.5% vs 2021
2023: €23k▲ +109% vs 2022highest in 8 years
2024: €7k▼ -71.4% vs 2023
2025: €13k▲ +89.6% vs 2024
2018 → 2025
Working capital
€6k▲ 7.3%
2024 · €6k
2018: €9khighest in 8 years
2019: €4k▼ -59.3% vs 2018
2020: €-47k▼ -1423% vs 2019lowest in 8 years
2021: €-37k▲ +21.1% vs 2020
2022: €-23k▲ +38.5% vs 2021
2023: €-9k▲ +62.2% vs 2022
2024: €6k▲ +169% vs 2023
2025: €6k▲ +7.3% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€28k-€39k▲ 39.9%€62k▲ 59.6%€69k▲ 10.7%€81k▲ 18.3%
2021: €28klowest in 5 years
2022: €39k▲ +39.9% vs 2021
2023: €62k▲ +59.6% vs 2022
2024: €69k▲ +10.7% vs 2023
2025: €81k▲ +18.3% vs 2024highest in 5 years
Operating result€19k-€18k▼ 3.5%€37k▲ 101%€13k▼ 65.4%€22k▲ 73.1%
2021: €19k
2022: €18k▼ -3.5% vs 2021
2023: €37k▲ +101% vs 2022highest in 5 years
2024: €13k▼ -65.4% vs 2023lowest in 5 years
2025: €22k▲ +73.1% vs 2024
Net result€11k-€11k▼ 0.5%€23k▲ 109%€7k▼ 71.4%€13k▲ 89.6%
2021: €11k
2022: €11k▼ -0.5% vs 2021
2023: €23k▲ +109% vs 2022highest in 5 years
2024: €7k▼ -71.4% vs 2023lowest in 5 years
2025: €13k▲ +89.6% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 73% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €257k
Fixed assets
€173k ▼ 2.7%
Current assets
€84k ▼ 37.1%
Equity and liabilities €257k
Equity
€81k ▲ 18.3%
Debt
€176k ▼ 27.6%
Debt's share of the balance-sheet total falls from 77.9% to 68.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€45k▲
2024 · €34k
Cash flow
€36k▲
2024 · €27k
Current ratio
1.08▲
2024 · 1.05
Debt to equity
2.16▼
2024 · 3.53
ROE
15.4%▲
2024 · 9.6%
ROA
4.9%▲
2024 · 2.1%
Interest coverage
13.12▼
2024 · 13.85
Debt ≤ 1 year
€78k▼
2024 · €128k
Debt > 1 year
€98k▼
2024 · €115k
Income taxes
€6k▲
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€312k€257k▼
Fixed assets21/28€178k€173k▼
Intangible fixed assets21-€11k
Tangible fixed assets22/27€178k€162k▼
Land and buildings22€146k€142k▼
Plant, machinery and equipment23€7k€8k▲
Furniture and vehicles24€24k€12k▼
Other tangible fixed assets26€1k€526▼
Current assets29/58€134k€84k▼
Amounts receivable within one year40/41€95k€58k▼
Trade receivables40€88k€46k▼
Other amounts receivable41€7k€13k▲
Current investments50/53€21k€21k▲
Cash at bank and in hand54/58€4k€2k▼
Deferred charges and accrued income490/1€14k€3k▼
Equity and liabilities
Total equity and liabilities10/49€312k€257k▼
Equity10/15€69k€81k▲
Contributions10/11€6k€6k=
Reserves13€22k€32k▲
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€20k€32k▲
Profit (loss) carried forward14€41k€43k▲
Amounts payable17/49€243k€176k▼
Amounts payable after more than one year17€115k€98k▼
Financial debts170/4€115k€98k▼
Amounts payable within one year42/48€128k€78k▼
Current portion of amounts payable after more than one year42€17k€17k▲
Trade debts44€30k€4k▼
Suppliers440/4€30k€4k▼
Taxes, remuneration and social security45€26k€10k▼
Taxes450/3€23k€7k▼
Remuneration and social security454/9€3k€3k=
Other amounts payable47/48€56k€48k▼
Income statement
Code20242025
Non-recurring operating income76A-€3k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€23k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€36k€48k▲
Operating profit (loss)9901€13k€22k▲
Financial income75/76B€28€229▲
Recurring financial income75€28€229▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€10k€19k▲
Income taxes67/77€4k€6k▲
Profit (loss) for the period9904€7k€13k▲
Profit (loss) for the period to be appropriated9905€7k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€41k€53k▲
Profit (loss) brought forward from the previous period14P€34k€41k▲
Transfer to equity691/2-€10k
To other reserves6921-€10k
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €6k | - | - | - | €3k | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11k | €22k | €20k | €21k | €23k | ▲ 12.1% |
| Other operating charges640/8 | €1k | €2k | €1k | €2k | €3k | ▲ 40.5% |
| Gross operating margin9900 | €31k | €42k | €58k | €36k | €48k | ▲ 35.6% |
| Operating profit (loss)9901 | €19k | €18k | €37k | €13k | €22k | ▲ 73.1% |
| Financial income75/76B | €0 | €0 | €9 | €28 | €229 | ▲ 717% |
| Recurring financial income75 | €0 | €0 | €9 | €28 | €229 | ▲ 717% |
| Financial charges65/66B | €2k | €3k | €3k | €2k | €3k | ▲ 42.8% |
| Recurring financial charges65 | €2k | €3k | €3k | €2k | €3k | ▲ 42.8% |
| Profit (loss) for the period before taxes9903 | €17k | €16k | €34k | €10k | €19k | ▲ 81.8% |
| Income taxes67/77 | €6k | €4k | €11k | €4k | €6k | ▲ 68.3% |
| Profit (loss) for the period9904 | €11k | €11k | €23k | €7k | €13k | ▲ 89.6% |
| Profit (loss) for the period to be appropriated9905 | €11k | €11k | €23k | €7k | €13k | ▲ 89.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €269k | €277k | €288k | €312k | €257k | ▼ 17.5% |
| Fixed assets21/28 | €229k | €210k | €203k | €178k | €173k | ▼ 2.7% |
| Intangible fixed assets21 | - | - | - | - | €11k | - |
| Tangible fixed assets22/27 | €229k | €210k | €197k | €178k | €162k | ▼ 8.8% |
| Land and buildings22 | €158k | €154k | €150k | €146k | €142k | ▼ 2.8% |
| Plant, machinery and equipment23 | €7k | €5k | €10k | €7k | €8k | ▲ 19.2% |
| Furniture and vehicles24 | €63k | €48k | €36k | €24k | €12k | ▼ 51.6% |
| Other tangible fixed assets26 | €707 | €2k | €2k | €1k | €526 | ▼ 50.8% |
| Financial fixed assets28 | €500 | - | €5k | - | - | - |
| Current assets29/58 | €39k | €67k | €85k | €134k | €84k | ▼ 37.1% |
| Amounts receivable within one year40/41 | €16k | €41k | €49k | €95k | €58k | ▼ 38.5% |
| Trade receivables40 | €15k | €41k | €48k | €88k | €46k | ▼ 48.2% |
| Other amounts receivable41 | €2k | - | €542 | €7k | €13k | ▲ 88.1% |
| Current investments50/53 | €11k | €12k | €20k | €21k | €21k | ▲ 2.2% |
| Cash at bank and in hand54/58 | €9k | €12k | €6k | €4k | €2k | ▼ 60.6% |
| Deferred charges and accrued income490/1 | €3k | €2k | €11k | €14k | €3k | ▼ 79.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €269k | €277k | €288k | €312k | €257k | ▼ 17.5% |
| Equity10/15 | €28k | €39k | €62k | €69k | €81k | ▲ 18.3% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Capital10 | €6k | €6k | €6k | - | - | - |
| Issued capital100 | €19k | €19k | €19k | - | - | - |
| Uncalled capital101 | €12k | €12k | €12k | - | - | - |
| Reserves13 | €2k | €2k | €22k | €22k | €32k | ▲ 45.7% |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | - | - |
| Legal reserve130 | €2k | €2k | €2k | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €2k | - | - |
| Distributable reserves133 | - | - | €20k | €20k | €32k | ▲ 59.3% |
| Profit (loss) carried forward14 | €20k | €31k | €34k | €41k | €43k | ▲ 6.3% |
| Amounts payable17/49 | €241k | €238k | €226k | €243k | €176k | ▼ 27.6% |
| Amounts payable after more than one year17 | €165k | €148k | €132k | €115k | €98k | ▼ 14.7% |
| Financial debts170/4 | €165k | €148k | €132k | €115k | €98k | ▼ 14.7% |
| Amounts payable within one year42/48 | €76k | €90k | €94k | €128k | €78k | ▼ 39.2% |
| Current portion of amounts payable after more than one year42 | €16k | €16k | €17k | €17k | €17k | ▲ 0.9% |
| Trade debts44 | €108 | €6k | €8k | €30k | €4k | ▼ 87.5% |
| Suppliers440/4 | €108 | €6k | €8k | €30k | €4k | ▼ 87.5% |
| Taxes, remuneration and social security45 | €13k | €21k | €23k | €26k | €10k | ▼ 62.6% |
| Taxes450/3 | €8k | €21k | €23k | €23k | €7k | ▼ 69.3% |
| Remuneration and social security454/9 | €4k | - | - | €3k | €3k | = |
| Other amounts payable47/48 | €47k | €47k | €47k | €56k | €48k | ▼ 14.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €11k | €11k | €23k | €7k | €13k | ▲ 89.6% |
| + Depreciation and write-downs630 | €11k | €22k | €20k | €21k | €23k | ▲ 12.1% |
| Operating cash flow (approximation) | €22k | €33k | €43k | €27k | €36k | ▲ 30.8% |
| Investment in fixed assets (approximation) | - | €-3k | €-13k | €4k | €-19k | ▼ 604% |
| Change in cash | - | €3k | €-6k | €-2k | €-2k | ▼ 10.4% |
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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Highest result since 2018net €23k ▲109%
Operating result €37k, net result €23k, both a record.
21-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 52 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
31-12
Financial
Weakest financial yearnet €-3k
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, La Bruyère · 1 establishment unit since 2012
Ground area
437 m²
Building footprint
94 m²
Parcel 92022B0111/00H000, Wallonia. Linked by address, not a title deed.
1 establishment unit
dAg architecte SC SPRL
since 20122.215.387.354
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92022B0111/00H000 | Wallonia | 437 m² | 1 · 94 m² | - |
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.
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Of 18,255 companies in sector 71111 we hold annual accounts for 6,323. 5,478 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
Founded26-12-2012
Fiscal year end31-12
Activities, NACEBEL 2025
71111Activities of building architects
Contact
E-mail
guerino.donofrio@gmail.comLa Bruyère
Scores and ratios are computed by Checked and are not a credit decision.