FUTURE BUSINESS ARCHITECTS
ActiveSummary
The annual accounts of FUTURE BUSINESS ARCHITECTS for fiscal year 2025 show a net loss of 61% of total assets and of 82% of the equity at the start of that year. The 2025 annual accounts show equity of €6k and a net result of €-28k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 17% of 17043 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
43
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-34
Solvency38▼-32
Growth32▼-46
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; 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 tight (current ratio 1.08 against 1.77 in 2024; short-term debt: 86.5% and cash: 63.1% of total assets), and 86.5% of the assets are financed with debt.
Credit advice 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 62
Relative position
BE, all sectors
reference
Sector 62
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
13.5%
Return on assets
-60.5%
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 17% of 17043 sector peers (2025).
NBB · sector comparisonPosition among 17043 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 d early
2024
35 d early
2023
57 d early
2022
40 d early
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€6k▼ 81.8%
2024 · €35k
2022: €9k
2023: €33k
2024: €35k
2022 → 2025
Total assets
€47k▼ 39.1%
2024 · €77k
2022: €43k
2023: €76k
2024: €77k
2022 → 2025
Net result
€-28k
2024 · €1k
2022: €-16k
2023: €25k
2024: €1k
2022 → 2025
Working capital
€3k▼ 90.4%
2024 · €33k
2022: €-7k
2023: €32k
2024: €33k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€9k-€33k▲ 291%€35k▲ 4.2%€6k▼ 81.8%
Operating result€-16k-€34k€9k▼ 72.7%€-24k
Net result€-16k-€25k€1k▼ 94.3%€-28k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €24k after €9k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €47k
Fixed assets
€3k ▲ 54.6%
Current assets
€44k ▼ 41.7%
Equity and liabilities €47k
Equity
€6k ▼ 81.8%
Debt
€41k ▼ 4.1%
Debt's share of the balance-sheet total rises from 54.9% to 86.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-23k▼
2024 · €10k
Cash flow
€-27k▼
2024 · €2k
Current ratio
1.08▼
2024 · 1.77
Debt to equity
6.41▲
2024 · 1.22
ROE
-448.4%▼
2024 · 4.0%
ROA
-60.5%▼
2024 · 1.8%
Interest coverage
-6.14▼
2024 · 1.55
Debt ≤ 1 year
€41k▼
2024 · €42k
Income taxes
€170▼
2024 · €2k
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€77k€47k▼
Fixed assets21/28€2k€3k▲
Tangible fixed assets22/27€2k€3k▲
Plant, machinery and equipment23€2k€3k▲
Current assets29/58€75k€44k▼
Amounts receivable within one year40/41€11k€11k▼
Trade receivables40€11k€11k▼
Cash at bank and in hand54/58€61k€30k▼
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€77k€47k▼
Equity10/15€35k€6k▼
Contributions10/11€25k€25k=
Reserves13€10k€0▼
Distributable reserves133€10k€0▼
Profit (loss) carried forward14-€-19k
Amounts payable17/49€42k€41k▼
Amounts payable within one year42/48€42k€41k▼
Trade debts44€3k€5k▲
Suppliers440/4€3k€5k▲
Taxes, remuneration and social security45€6k€5k▼
Taxes450/3€6k€5k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€34k€31k▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€499€1k▲
Other operating charges640/8€64€465▲
Gross operating margin9900€10k€-23k▼
Operating profit (loss)9901€9k€-24k▼
Financial income75/76B€0€42▲
Recurring financial income75€0€42▲
Financial charges65/66B€6k€4k▼
Recurring financial charges65€6k€4k▼
Profit (loss) for the period before taxes9903€3k€-28k▼
Income taxes67/77€2k€170▼
Profit (loss) for the period9904€1k€-28k▼
Profit (loss) for the period to be appropriated9905€1k€-28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1k€-28k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2-€10k
Transfer to equity691/2€1k€0▼
To other reserves6921€1k€0▼
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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-28k ▼2123%
Net result drops to €-28k, the lowest in the series.
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.74
Current ratio from 0.78 to 1.74.
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro 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, Glabbeek · 1 establishment unit since 2022
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.
Attenrodestraat 33380 GlabbeekGround area
657 m²
Building footprint
124 m²
Volume, LiDAR
806 m³
Parcel 24030A0237/00D003, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FUTURE BUSINESS ARCHITECTS
since 20222.333.190.191
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24030A0237/00D003 | Flanders | 657 m² | 1 · 124 m² | 8.8 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
2022 to 2025 · 3 entries · 4,830 EUR awarded · 4,830 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 86 EUR | 86 EUR |
| 2024 | 1 | 4,009 EUR | 4,009 EUR |
| 2022 | 1 | 735 EUR | 735 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 7,168 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-07-2022
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
62900Other information technology and computer services
62100Computer programming
70200Business and other management consultancy
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.