FACTOR 3 ARCHITECTEN
ActiveFACTOR 3 ARCHITECTEN has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33k and a net result of €18k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 21% of 2004 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▲+80
Solvency43▲+9
Growth52▲+20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.19 against 1.05 in 2024; short-term debt: 82.5% and cash: 0.4% of total assets), and 82.5% 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 →
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
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
17.5%
Return on assets
9.4%
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 21% of 2004 sector peers (2025).
NBB · sector comparisonPosition among 2004 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
44 d early
2023
15 d early
2022
28 d early
2021
31 d late
2020
31 d late
2019
73 d late
← 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, abbreviated schema
Equity
€33k▲ 116%
2024 · €15k
2018: €17k
2019: €22k
2020: €64k
2021: €50k
2022: €56k
2023: €47k
2024: €15k
2018 → 2025
Total assets
€188k▲ 15.0%
2024 · €164k
2018: €52k
2019: €63k
2020: €149k
2021: €138k
2022: €127k
2023: €153k
2024: €164k
2018 → 2025
Net result
€18k
2024 · €-32k
2018: €26k
2019: €6k
2020: €42k
2021: €-14k
2022: €6k
2023: €-9k
2024: €-32k
2018 → 2025
Working capital
€30k▲ 335%
2024 · €7k
2018: €5k
2019: €10k
2020: €46k
2021: €33k
2022: €41k
2023: €32k
2024: €7k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€50k-€56k▲ 12.4%€47k▼ 16.1%€15k▼ 67.6%€33k▲ 116%
Operating result€-12k-€11k€-5k€-46k▼ 870%€9k
Net result€-14k-€6k€-9k€-32k▼ 253%€18k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €9k after a loss of €46k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €188k
Fixed assets
€3k▼ 60.5%
Current assets
€185k▲ 19.1%
Equity and liabilities €188k
Equity
€33k▲ 116%
Debt
€155k▲ 4.6%
The debt ratio falls from 90.7% to 82.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€18k▲
2024 · €-34k
Cash flow
€26k▲
2024 · €-20k
Solvency
17.5%▲
2024 · 9.3%
Current ratio
1.19▲
2024 · 1.05
Quick ratio
1.19▲
2024 · 1.05
Debt / equity
4.71▼
2024 · 9.72
ROE
53.6%▲
2024 · -208.5%
ROA
9.4%▲
2024 · -19.5%
Interest coverage
10.48▲
2024 · -38.67
Debt
€155k▲
2024 · €148k
Debt ≤ 1 year
€155k▲
2024 · €148k
Income taxes
€306▼
2024 · €486
Staff costs
€4k▼
2024 · €7k
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€164k€188k▲
Fixed assets21/28€8k€3k▼
Tangible fixed assets22/27€8k€3k▼
Land and buildings22€2k€1k▼
Plant, machinery and equipment23-€0
Furniture and vehicles24€596€2k▲
Leasing and similar rights25€6k-
Current assets29/58€155k€185k▲
Amounts receivable within one year40/41€148k€180k▲
Trade receivables40€11k€13k▲
Other amounts receivable41€137k€166k▲
Cash at bank and in hand54/58€2k€798▼
Deferred charges and accrued income490/1€5k€4k▼
Equity and liabilities
Total equity and liabilities10/49€164k€188k▲
Equity10/15€15k€33k▲
Contributions10/11€19k€19k=
Reserves13-€14k
Distributable reserves133-€14k
Profit (loss) carried forward14€-3k-
Amounts payable17/49€148k€155k▲
Amounts payable within one year42/48€148k€155k▲
Current portion of amounts payable after more than one year42€6k-
Trade debts44€11k€3k▼
Suppliers440/4€11k€3k▼
Taxes, remuneration and social security45€5k€6k▲
Taxes450/3€3k€6k▲
Remuneration and social security454/9€3k-
Other amounts payable47/48€126k€146k▲
Income statement
Code20242025
Remuneration, social security and pensions62€7k€4k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€8k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€-25k€23k▲
Operating profit (loss)9901€-46k€9k▲
Financial income75/76B€15k€10k▼
Recurring financial income75€15k€10k▼
Financial charges65/66B€874€2k▲
Recurring financial charges65€874€2k▲
Profit (loss) for the period before taxes9903€-31k€18k▲
Income taxes67/77€486€306▼
Profit (loss) for the period9904€-32k€18k▲
Profit (loss) for the period to be appropriated9905€-32k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-32k€14k▲
Profit (loss) brought forward from the previous period14P-€-3k
Transfer from equity791/2€28k-
Transfer to equity691/2-€14k
To other reserves6921-€14k
Social balance
Average headcount (FTE)90870.40.1▼
The notes to these accounts (5 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
31-12
Financial
Back to profitnet €18k
Net result €18k after 2 loss-making years.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-32k
Net result drops to €-32k, the lowest in the series; recovery starts the following year.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €42k ▲631%
Operating result €57k, net result €42k, both a record.
12-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 73 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
28-06
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.
Directors · office · real estate
Directors
3 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, Oudsbergen
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.
Hoeverkerkweg 513660 OudsbergenGround area
1,894 m²
Building footprint
277 m²
Volume, LiDAR
1,583 m³
Parcel 71047A1126/00K000, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71047A1126/00K000 | Flanders | 1,894 m² | 1 · 277 m² | 8.1 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.
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Of 18,256 companies in sector 71111 we hold annual accounts for 6,321. 5,014 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-01-2005
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
74201Photography, excluding press photography
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.