Gutman Architects
ActiveSummary
Gutman Architects has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €115k and a net result of €37k. Equity is growing by ~58.9% per year across the filed fiscal years. Its solvency ranks better than 80% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+9
Growth78=
Track record94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 5.49 against 11.53 in 2024; short-term debt: 18.1% and cash: 88.9% of total assets), and 18.1% 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 71
Relative position
BE, all sectors
reference
Sector 71
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
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
81.9%
Return on assets
26.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 5 filingsDeviation from the deadline
2025
31 d late
2024
23 d early
2023
33 d early
2022
25 d late
2021
30 d late
← 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
€115k▲ 47.5%
2024 · €78k
2021: €19k
2022: €28k
2023: €46k
2024: €78k
2021 → 2025
Total assets
€141k▲ 19.0%
2024 · €118k
2021: €65k
2022: €47k
2023: €52k
2024: €118k
2021 → 2025
Net result
€37k▲ 15.6%
2024 · €32k
2021: €17k
2022: €8k
2023: €18k
2024: €32k
2021 → 2025
Working capital
€114k▲ 7.9%
2024 · €106k
2021: €528
2022: €14k
2023: €41k
2024: €106k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€19k-€28k▲ 43.8%€46k▲ 66.3%€78k▲ 69.8%€115k▲ 47.5%
Operating result€25k-€13k▼ 47.3%€26k▲ 101%€45k▲ 68.5%€48k▲ 6.7%
Net result€17k-€8k▼ 51.1%€18k▲ 118%€32k▲ 75.0%€37k▲ 15.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 7% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €141k
Fixed assets
€944 ▼ 58.2%
Current assets
€140k ▲ 20.5%
Equity and liabilities €141k
Equity
€115k ▲ 47.5%
Debt
€25k ▼ 36.5%
Debt's share of the balance-sheet total falls from 33.9% to 18.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€49k▲
2024 · €48k
Cash flow
€38k▲
2024 · €36k
Current ratio
5.49▼
2024 · 11.53
Debt to equity
0.22▼
2024 · 0.51
ROE
32.2%▼
2024 · 41.1%
ROA
26.4%▼
2024 · 27.2%
Interest coverage
329.53▼
2024 · 331.65
Debt ≤ 1 year
€25k▲
2024 · €10k
Income taxes
€11k▼
2024 · €13k
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 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€118k€141k▲
Fixed assets21/28€2k€944▼
Tangible fixed assets22/27€2k€944▼
Furniture and vehicles24€2k€944▼
Current assets29/58€116k€140k▲
Amounts receivable within one year40/41€93k€14k▼
Trade receivables40€81k€692▼
Other amounts receivable41€12k€13k▲
Cash at bank and in hand54/58€22k€125k▲
Deferred charges and accrued income490/1€328€541▲
Equity and liabilities
Total equity and liabilities10/49€118k€141k▲
Equity10/15€78k€115k▲
Contributions10/11€2k€2k=
Reserves13€76k€113k▲
Distributable reserves133€76k€113k▲
Amounts payable17/49€40k€25k▼
Amounts payable within one year42/48€10k€25k▲
Trade debts44€224€14k▲
Suppliers440/4€224€14k▲
Taxes, remuneration and social security45€10k€11k▲
Taxes450/3€10k€11k▲
Accrued charges and deferred income492/3€30k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€1k▼
Other operating charges640/8€673€646▼
Gross operating margin9900€49k€50k▲
Operating profit (loss)9901€45k€48k▲
Financial income75/76B€458€488▲
Recurring financial income75€458€488▲
Financial charges65/66B€145€148▲
Recurring financial charges65€145€148▲
Profit (loss) for the period before taxes9903€45k€48k▲
Income taxes67/77€13k€11k▼
Profit (loss) for the period9904€32k€37k▲
Profit (loss) for the period to be appropriated9905€32k€37k▲
Appropriation of the result
Profit (loss) to be appropriated9906€32k€37k▲
Transfer to equity691/2€32k€37k▲
To other reserves6921€32k€37k▲
The notes to these accounts (4 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2021net €37k ▲15.6%
Operating result €48k, net result €37k, both a record.
31-12
Financial
Equity above €100kEq €115k ▲47.5%
5 profitable years in a row build equity to €115k.
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity times 5current ratio 8.09
Current ratio from 1.72 to 8.09; short-term debt falls from €19k to €6k.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-12
Financial
Weakest financial yearnet €8k ▼51.1%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 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, Ukkel · 1 establishment unit since 2021
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.
Schilderachtige dreef 451180 UkkelGround area
84 m²
Building footprint
79 m²
Volume, LiDAR
712 m³
Parcel 21614H0054/03A003, Brussels · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Schilderachtige dreef 45, 1180 Ukkel
since 20212.312.560.568
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21614H0054/03A003 | Brussels | 84 m² | 1 · 79 m² | 10.8 m · 3 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.
Similar companies · same sector, comparable size
Architectenbureau BARO Consulting
BE 0442.584.868
Gent · Eq €115,124
ARCHITECT VANDENBERGHE KATRIEN
BE 0899.111.509
Sint-Niklaas · Eq €115,174
COPEB
BE 0845.790.015
Sint-Lambrechts-Woluwe · Eq €115,181
ARCHITECTENGROEP MACOURS - architectuur en interieur
BE 0828.466.013
Hasselt · Eq €115,051
TWIST architects
BE 0543.483.773
Mechelen · Eq €115,260
Of 18,255 companies in sector 71111 we hold annual accounts for 6,321. 5,445 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
Founded28-01-2021
Fiscal year end31-12
Activities, NACEBEL 2025
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.