Growth Architects

Active

Private limited company (pre-2019)founded 201511 yrs activeBaron Dhanislaan 20, 2000 Antwerpen, BelgiumKBO/BCE: BE 0600.866.104

Growth Architects has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €65k and a net result of €-24k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 24% of 20785 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).

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Checked score

Score 2024

53 / 100

Fair

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability4▼-66

Solvency57▼-11

Growth52▼-26

Track record100

Bankruptcy probability, 12 months

0.3% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €3k at 30 days acceptable

Liquidity ample (current ratio 4.79 against 4.43 in 2023; short-term debt: 20.1% and cash: 10.5% of total assets), but 68% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

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 →

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 2024

Solvency, return and age of the figures

Solvency

32%

Return on assets

-11.7%

Age of the figures

21 mo

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 20785 sector peers (2024).

NBB · sector comparison

Position among 20785 sector peers

Solvency

better than 24%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 08-10-2025, 69 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 10 filings

Deviation from the deadline

2025

not confirmed

2024

69 d late

2023

36 d late

2022

29 d late

2021

30 d late

2020

31 d late

2019

91 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€65k▼ 26.7%

2023 · €89k

2018: €-14k 2019: €-14k 2020: €45k 2021: €47k 2022: €87k 2023: €89k

2018 → 2024

Total assets

€203k▼ 1.9%

2023 · €207k

2018: €59k 2019: €125k 2020: €185k 2021: €143k 2022: €187k 2023: €207k

2018 → 2024

Net result

€-24k

2023 · €2k

2018: €-10k 2019: €380 2020: €58k 2021: €2k 2022: €40k 2023: €2k

2018 → 2024

Working capital

€155k▲ 2.0%

2023 · €152k

2018: €-17k 2019: €-16k 2020: €87k 2021: €74k 2022: €138k 2023: €152k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€45k-€47k▲ 4.9%€87k▲ 84.7%€89k▲ 2.6%€65k▼ 26.7%

Operating result€75k-€146k▲ 96.4%€57k▼ 60.9%€7k▼ 87.6%€-21k

Net result€58k-€2k▼ 96.2%€40k▲ 1,706%€2k▼ 94.3%€-24k

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 2024: a loss of €21k after €7k in 2023, the lowest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €203k

96.4%

Fixed assets €7k▼ 32.6%

Current assets €196k▼ 0.2%

Equity and liabilities €203k

32.0%

68.0%

Equity €65k▼ 26.7%

Debt €138k▲ 16.6%

The debt ratio rises from 57.2% to 68.0%. Equity is lower and debt is higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€-20k▼

2023 · €10k

Cash flow

€-23k▼

2023 · €5k

Solvency

32.0%▼

2023 · 42.8%

Current ratio

4.79▲

2023 · 4.43

Quick ratio

4.79▲

2023 · 4.43

Debt / equity

2.12▲

2023 · 1.33

ROE

-36.4%▼

2023 · 2.6%

ROA

-11.7%▼

2023 · 1.1%

Interest coverage

-7.24▼

2023 · 11.67

Debt

€138k▲

2023 · €118k

Debt ≤ 1 year

€41k▼

2023 · €44k

Income taxes

€282▼

2023 · €5k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€207k€203k▼

Fixed assets21/28€11k€7k▼

Tangible fixed assets22/27€11k€7k▼

Plant, machinery and equipment23€8k€7k▼

Furniture and vehicles24€3k€0▼

Financial fixed assets28€230€230=

Current assets29/58€196k€196k▼

Amounts receivable after more than one year29€38k€32k▼

Other amounts receivable291€38k€32k▼

Stocks and contracts in progress3€0-

Stocks30/36€0-

Amounts receivable within one year40/41€20k€43k▲

Trade receivables40€20k€36k▲

Other amounts receivable41€260€7k▲

Cash at bank and in hand54/58€62k€21k▼

Deferred charges and accrued income490/1€76k€100k▲

Equity and liabilities

Total equity and liabilities10/49€207k€203k▼

Equity10/15€89k€65k▼

Contributions10/11€19k€19k=

Reserves13€70k€70k=

Distributable reserves133€70k€70k=

Profit (loss) carried forward14-€-24k

Amounts payable17/49€118k€138k▲

Amounts payable within one year42/48€44k€41k▼

Current portion of amounts payable after more than one year42-€5k

Financial debts43€914€7k▲

Credit institutions430/8€914€7k▲

Trade debts44€28k€18k▼

Suppliers440/4€28k€18k▼

Taxes, remuneration and social security45€15k€10k▼

Taxes450/3€15k€10k▼

Other amounts payable47/48€277€839▲

Accrued charges and deferred income492/3€74k€97k▲

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€1k▼

Other operating charges640/8€1k€733▼

Non-recurring operating charges66A-€19k

Gross operating margin9900€11k€-616▼

Operating profit (loss)9901€7k€-21k▼

Financial income75/76B€23k€24k▲

Recurring financial income75€23k€24k▲

Financial charges65/66B€23k€26k▲

Recurring financial charges65€871€3k▲

Non-recurring financial charges66B€22k€23k▲

Profit (loss) for the period before taxes9903€7k€-23k▼

Income taxes67/77€5k€282▼

Profit (loss) for the period9904€2k€-24k▼

Profit (loss) for the period to be appropriated9905€2k€-24k▼

Appropriation of the result

Profit (loss) to be appropriated9906€2k€-24k▼

Transfer to equity691/2€2k€0▼

To other reserves6921€2k€0▼

The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 14Financial 4Filings 10

2025

08-10

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 69 days late

2024

31-12

Financial Weakest financial yearnet €-24k ▼1141%

Net result drops to €-24k, the lowest in the series.

05-09

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 36 days late

2023

29-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 29 days late

2022

30-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 30 days late

2021

31-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 31 days late

2020

31-12

Financial Highest result since 2018net €58k ▲15237%

Net result €58k, the highest in the series.

31-12

Financial Liquidity doublescurrent ratio 1.91

Current ratio from 0.88 to 1.91; short-term debt falls from €138k to €96k.

30-10

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 91 days late

2019

31-12

Financial Back to profitnet €380

Net result €380 after one loss-making year.

18-12

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 140 days late

2018

21-08

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 21 days late

2017

31-08

NBB filing Annual accounts filed

fiscal year 2016 · micro schema · 31 days late

2016

31-08

NBB filing Annual accounts filed

fiscal year 2015 · abbreviated schema · 31 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

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, Antwerpen · 1 establishment unit since 2015

establishment The establishment unit on the map

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.

Baron Dhanislaan 202000 Antwerpen

Ground area

168 m²

Building footprint

168 m²

Volume, LiDAR

2,828 m³

Parcel 11811L3744/00S000, Flanders · tallest building 19.9 m, ±6 floors. Linked by address, not a title deed.

1 establishment unit

Growth Architects

Baron Dhanislaan 20, 2000 AntwerpenIT consultancy

since 20152.240.972.489

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11811L3744/00S000	Flanders	168 m²	1 · 168 m²	19.9 m · 6 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

2023 to 2024 · 2 entries · 852 EUR awarded · 853 EUR paid

Year	Entries	awarded	paid
2024	1	48 EUR	506 EUR
2023	1	804 EUR	347 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

2 entries · 852 EUR · 853 EUR paid · Fonds voor Innoveren en Ondernemen

Recognitions · licences · registrations

Legal Entity Identifier

529900Z1PZA66FSMLP59

no longer live in the LEI register

Similar companies · same sector, comparable size

Informatie, Synthese en Analyse

Sint-Pieters-Leeuw · Eq €65k

La Louvière · Eq €65k

Of 30,000 companies in sector 62200 we hold annual accounts for 18,395. 15,515 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company (pre-2019)

Founded10-03-2015

Fiscal year end31-12

Activities, NACEBEL

62020IT consultancy

62200Computer consultancy and computer facilities management

70200Business and other management consultancy

70210Activities of head offices; management consultancy activities

70220Business consulting

73300Public relations and communication consultancy

Sources

Crossroads Bank for EnterprisesNational Bank · 10 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.

Contact details

1 entry

E-mail:fanuel.dewever@growtharchitects.com

Establishment Antwerpen 2.240.972.489