Debts
€40,526 87% of the balance sheet
Suppliers 12%Taxes and wages 11%Other 77%
FUTURE BUSINESS ARCHITECTS
Lifetime
4 annual accounts with figures on one time axispeak €33,994 (2023)
-€22,662▼ €32,404
lowest -€28,354 (2025)
-€28,354▼ €29,756
peak €34,677 (2024)
€6,323▼ 81.8%
€40,526▼ 4.1%
Board1 name since 2022
1 directorVerheyden Tom Jozef Angela Beatrijs
Documentsfilings and deeds
06-07-202625 days before the deadline
2025micro format
Gross margin from €9,742 to -€22,662Loss of €28,354Equity from €34,677 to €6,323Investments €2,460Cash from €61,387 to €29,544
Key points
from the 2025 annual accountsInvestments
€2,460 1.8 × depreciation
Green is investment, beige is depreciation. Machinery stands 54.6% higher than in 2024.
Liquidity
1.08 was 1.77 in 2024
Short-term debts fell from €42,271 to €40,526.
Filings
4 annual accounts since 2022
The last four annual accounts were filed 25 to 57 days before the end of the period.
Starting capital
€25,000 25 shares
Position in the sector
-€28,354
Lower net result than 95% of companies in computer programming and consultancy. Sector median €28,568 · 21,214 companies.
Turnover not published (micro format)
Checked score
53
Fair
Financially stronger than 16% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: 1.5% to 4.2%
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59.
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,933 companies (NACE 62, micro).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026lowest value
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: 0.1%▲ +0.1 percentage points vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026highest value
11-2026: 0.1%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: a net loss of at least half of total assets or of the equity at the start of the financial year
Loss of €28,354 (financial year 2025)
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Size: total assets €46,849
Liquidity: current ratio 1.08, cash €29,544, halved
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 18% of them on solvency, 33% on liquidity, 5% on profitability and 8% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,207 companies had the same profile as FUTURE BUSINESS ARCHITECTS has now. Each dot stands for 4 companies, two years later.
90.2%
were still trading
4.6%
stopped another way
4.6%
went bankrupt
Another 0.6% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of FUTURE BUSINESS ARCHITECTS itself is lower: 0.1% within 12 months. It rests on far more data about FUTURE BUSINESS ARCHITECTS than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,207 companies, not a prediction for FUTURE BUSINESS ARCHITECTS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No publishable credit limit, so credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity is tight, with a current ratio of 1.08 (1.77 in 2024), below the usual 1.5. Short-term debt is 86.5% and cash 63.1% of total assets. 86.5% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 21208 sector peers (2025).
NBB · sector comparisonPosition among 21208 sector peers
Solvency
better than 17%
← 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 06-07-2026, 25 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
25 days early
2024
35 days early
2023
57 days early
2022
40 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 39 days before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 24 June (4 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0788190821
Incorporation
Founding capital of €25,000, 25 shares · Founder: Verheyden Tom Jozef Angela Beatrijs · Appointment: Verheyden Tom Jozef Angela Beatrijs (statutory director) · published on 06-07-2022 · Gazette deed
First establishment
Attenrodestraat 3, Glabbeek
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FUTURE BUSINESS ARCHITECTS Glabbeek | €46,849 | -€22,662 | 13.5% | - |
| CYBERJ Halle | €50,124 | -€15,287 | 25.6% | - |
| RazorAI Leuven | €48,557 | -€1,315 | 97.0% | - |
| OPEN STABILITY Kraainem | €50,182 | -€9,782 | 70.5% | - |
| MMS Consulting Sint-Pieters-Leeuw | €47,160 | -€8,366 | -36.8% | - |
| flowTAB Antwerp | €44,051 | -€13,657 | 36.3% | - |
| DO REAL CONSULTING Incourt | €50,131 | -€47,265 | 13.2% | - |
These companies have the same main activity as FUTURE BUSINESS ARCHITECTS: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €44,100 and €50,200, founded between 2021 and 2023.
Official details
Source: KBO- Status
- Active since 04-07-2022Normal situation
- Activity
- Computer consultancy and computer facilities managementNACE 62200and 5 others
- Establishment unit
- 2.333.190.1913380 Glabbeek, since 04-07-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 18-12-2024
Annual accounts 2025
- €46,849▼ 39.1%
- Filing
- Filed on 06-07-2026, 25 days before the end of the filing period
Insights on FUTURE BUSINESS ARCHITECTS
FUTURE BUSINESS ARCHITECTS files the micro format. That format states no turnover. The gross margin fell from -€14,362 in 2022 to -€22,662 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about FUTURE BUSINESS ARCHITECTS
- What is the company number of FUTURE BUSINESS ARCHITECTS?
- The company number of FUTURE BUSINESS ARCHITECTS is 0788.190.821. The VAT number is the same number with BE in front: BE 0788.190.821.
- Where is FUTURE BUSINESS ARCHITECTS based?
- The registered office is at Attenrodestraat 3, 3380 Glabbeek.Company details
- What does FUTURE BUSINESS ARCHITECTS do?
- According to the KBO register, the main activity is computer consultancy and computer facilities management (NACE 62200).
- What is the legal form of FUTURE BUSINESS ARCHITECTS?
- FUTURE BUSINESS ARCHITECTS is a private limited company (BV).
- When was FUTURE BUSINESS ARCHITECTS founded?
- FUTURE BUSINESS ARCHITECTS was founded on 04-07-2022.
- Is FUTURE BUSINESS ARCHITECTS still active?
- Yes, FUTURE BUSINESS ARCHITECTS is an active enterprise in the KBO register.
- What is the turnover of FUTURE BUSINESS ARCHITECTS?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
- Is FUTURE BUSINESS ARCHITECTS profitable?
- In financial year 2025, FUTURE BUSINESS ARCHITECTS made a loss of €28,354.
- Where can I find the annual accounts of FUTURE BUSINESS ARCHITECTS?
- FUTURE BUSINESS ARCHITECTS filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of FUTURE BUSINESS ARCHITECTS due?
- FUTURE BUSINESS ARCHITECTS must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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