Summary
FINARCHITECTS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €35,397 and a net result of €156,840. Equity remains stable across the filed fiscal years (±2.4% per year). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 15-06-2026, 46 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
46 d early
2024
38 d early
2023
62 d early
2022
17 d early
2021
32 d early
2020
1 d early
2019
80 d early
← 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 39 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 39% 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 23 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, abbreviated schema, 2025 accounts filed, figures not processed yet
Equity
€35,397▲ 2.4%
2023 · €34,557
Net result
€156,840▼ 3.7%
2023 · €162,918
Total assets
€497,279▲ 3.2%
2023 · €481,746
Solvency
7.1%▼ 0.1pp
2023 · 7.2%
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at 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 66, Activities auxiliary to financial services and insurance activities, 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), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€145,080▼ 1.4%€180,762▲ 24.6%€279,893▲ 54.8%€230,596▼ 17.6%€222,465▼ 3.5%
Net result€136,941within the sector's middle half▲ 27.1%€169,283within the sector's middle half▲ 23.6%€264,955above the sector's middle half▲ 56.5%€162,918within the sector's middle half▼ 38.5%€156,840within the sector's middle half▼ 3.7%
Equity€25,401below the sector's middle half▼ 86.9%€26,684below the sector's middle half▲ 5.1%€31,639below the sector's middle half▲ 18.6%€34,557below the sector's middle half▲ 9.2%€35,397below the sector's middle half▲ 2.4%
Total assets€308,010below the sector's middle half▲ 2.2%€369,040below the sector's middle half▲ 19.8%€493,564within the sector's middle half▲ 33.7%€481,746below the sector's middle half▼ 2.4%€497,279below the sector's middle half▲ 3.2%
Debt€282,609▲ 162%€342,356▲ 21.1%€461,925▲ 34.9%€447,189▼ 3.2%€461,883▲ 3.3%
Working capital€25,401within the sector's middle half▼ 88.8%€26,684within the sector's middle half▲ 5.1%€31,639within the sector's middle half▲ 18.6%€34,557within the sector's middle half▲ 9.2%€35,397within the sector's middle half▲ 2.4%
Solvency8.2%below the sector's middle half▼ 56.0pp7.2%below the sector's middle half▼ 1.0pp6.4%below the sector's middle half▼ 0.8pp7.2%below the sector's middle half▲ 0.8pp7.1%below the sector's middle half▼ 0.1pp
Current ratio1.09within the sector's middle half▼ 2.941.08within the sector's middle half▼ 0.011.07within the sector's middle half▼ 0.011.08within the sector's middle half▲ 0.011.08within the sector's middle half=
Return on assets (ROA)44.5%above the sector's middle half▲ 8.7pp45.9%above the sector's middle half▲ 1.4pp53.7%above the sector's middle half▲ 7.8pp33.8%above the sector's middle half▼ 19.9pp31.5%above the sector's middle half▼ 2.3pp
Staff (FTE)5.5within the sector's middle half▲ 12.2%7.7above the sector's middle half▲ 40.0%7above the sector's middle half▼ 9.1%5.9within the sector's middle half▼ 15.7%5.4within the sector's middle half▼ 8.5%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 4% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €497,279
Equity
€35,397 ▲ 2.4%
Debt
€461,883 ▲ 3.3%
Debt's share of the balance-sheet total rises from 92.8% to 92.9%. Equity and debt are higher.
Key figures and ratios
ROE
443.1%▼
2023 · 471.4%
Debt ≤ 1 year
€461,883▲
2023 · €447,189
Income taxes
€59,898▼
2023 · €62,335
Staff costs
€378,859▼
2023 · €390,704
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €398,805 | €390,944 | €390,704 | €378,859 | ▼ 3.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €305 | €0 | - | - | - | - |
| Other operating charges640/8 | - | €219 | €648 | €996 | €8,049 | ▲ 708% |
| Gross operating margin9900 | €391,651 | €579,786 | €671,485 | €622,296 | €609,373 | ▼ 2.1% |
| Operating profit (loss)9901 | €145,080 | €180,762 | €279,893 | €230,596 | €222,465 | ▼ 3.5% |
| Financial income75/76B | - | €0 | €41 | €12 | €503 | ▲ 4,191% |
| Recurring financial income75 | €0 | €0 | €41 | €12 | €503 | ▲ 4,191% |
| Financial charges65/66B | - | €3,509 | €4,283 | €5,355 | €6,231 | ▲ 16.4% |
| Recurring financial charges65 | €1,437 | €3,509 | €4,283 | €5,355 | €6,231 | ▲ 16.4% |
| Profit (loss) for the period before taxes9903 | €143,643 | €177,253 | €275,651 | €225,253 | €216,738 | ▼ 3.8% |
| Income taxes67/77 | €6,702 | €7,970 | €10,696 | €62,335 | €59,898 | ▼ 3.9% |
| Profit (loss) for the period9904 | €136,941 | €169,283 | €264,955 | €162,918 | €156,840 | ▼ 3.7% |
| Profit (loss) for the period to be appropriated9905 | €136,941 | €169,283 | €264,955 | €162,918 | €156,840 | ▼ 3.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €308,010 | €369,040 | €493,564 | €481,746 | €497,279 | ▲ 3.2% |
| Fixed assets21/28 | €0 | - | - | - | - | - |
| Tangible fixed assets22/27 | €0 | - | - | - | - | - |
| Current assets29/58 | €308,010 | €369,040 | €493,564 | €481,746 | €497,279 | ▲ 3.2% |
| Amounts receivable within one year40/41 | €226,493 | €283,439 | €290,654 | €280,125 | €223,251 | ▼ 20.3% |
| Trade receivables40 | - | €281,409 | €274,320 | €280,125 | €222,998 | ▼ 20.4% |
| Other amounts receivable41 | - | €2,030 | €16,334 | €0 | €253 | - |
| Cash at bank and in hand54/58 | €81,516 | €83,553 | €202,910 | €201,622 | €274,028 | ▲ 35.9% |
| Deferred charges and accrued income490/1 | - | €2,048 | €0 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €308,010 | €369,040 | €493,564 | €481,746 | €497,279 | ▲ 3.2% |
| Equity10/15 | €25,401 | €26,684 | €31,639 | €34,557 | €35,397 | ▲ 2.4% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €6,801 | €8,084 | €13,039 | €15,957 | €16,797 | ▲ 5.3% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | - | €6,224 | €11,179 | €14,097 | €14,937 | ▲ 6.0% |
| Profit (loss) carried forward14 | - | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €282,609 | €342,356 | €461,925 | €447,189 | €461,883 | ▲ 3.3% |
| Amounts payable within one year42/48 | €282,609 | €342,356 | €461,925 | €447,189 | €461,883 | ▲ 3.3% |
| Financial debts43 | - | €838 | €25,000 | €23,802 | €26,552 | ▲ 11.6% |
| Credit institutions430/8 | - | €838 | €25,000 | €23,802 | €26,552 | ▲ 11.6% |
| Trade debts44 | €93,265 | €102,101 | €125,684 | €184,126 | €227,383 | ▲ 23.5% |
| Suppliers440/4 | - | €102,101 | €125,684 | €184,126 | €227,383 | ▲ 23.5% |
| Taxes, remuneration and social security45 | - | €71,416 | €51,242 | €79,262 | €51,947 | ▼ 34.5% |
| Taxes450/3 | - | €11,671 | €10,221 | €15,274 | €10,798 | ▼ 29.3% |
| Remuneration and social security454/9 | - | €59,745 | €41,021 | €63,988 | €41,149 | ▼ 35.7% |
| Other amounts payable47/48 | - | €168,000 | €260,000 | €160,000 | €156,000 | ▼ 2.5% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €136,941 | €169,283 | €264,955 | €162,918 | €156,840 | ▼ 3.7% |
| + Depreciation and write-downs630 | €305 | €0 | - | - | - | - |
| Operating cash flow (approximation) | €137,246 | €169,283 | €264,955 | €162,918 | €156,840 | ▼ 3.7% |
| Change in cash | - | €2,036 | €119,358 | -€1,289 | €72,407 | ▲ 5,719% |
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
15-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €264,955 ▲56.5%
Operating result €279,893, net result €264,955, both a record.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
12-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €150,000Eq €193,561 ▲126%
2 profitable years in a row build equity to €193,561.
20-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
No directors read yet: 0 of 4 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Brugge · 1 establishment unit since 2020
Ground area
724 m²
Building footprint
440 m²
Volume, LiDAR
461 m³
2 parcels, Flanders · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
BNP Paribas Fortis
since 2020unit no. 2.317.790.947
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31030A0237/00W003 | Flanders | 366 m² | 1 · 90 m² | 7.1 m · 2 fl. |
| 35005A0917/00H004 | Flanders | 358 m² | 1 · 351 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 ownerOwners 1
-
25%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No directors read yet: 0 of 4 Gazette acts processed.
Subsidies and aid
Flemish government
2022 · 1 entry · €867 awarded · €867 paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | €867 | €867 |
Schemes
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Of 1,682 companies in this sector we hold annual accounts for 1,230. 737 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded07-04-2017
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0674366566
Also
9925:BE0674366566
Registered
12-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.