HARD ARCHITECTEN

Active

Private limited companyfounded 20233 yrs activeSteenweg 137, 3540 Herk-de-Stad, BelgiumKBO/BCE: BE 0798.450.253

Summary

HARD ARCHITECTEN has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €64k and a net result of €54k. Its solvency ranks better than 59% of 11615 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).

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Checked score

Score 2024

78 / 100

Excellent

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

Axes · tick = 2023

Profitability100=

Solvency89▲+34

Growth78

Track record94

Bankruptcy probability, 12 months

0.7% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €5k at 30 days acceptable

Liquidity ample (current ratio 2.73 against 1.35 in 2023; short-term debt: 33.5% and cash: 7.6% of total assets), and 36.4% 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

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

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 →

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 01-07-2025, 30 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

not confirmed

2024

30 d early

2023

40 d early

← before the deadline after the deadline →

Checked, nothing found (1)

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

€64k▲ 531%

2023 · €10k

2023: €10k

2023 → 2024

Total assets

€101k▲ 200%

2023 · €34k

2023: €34k

2023 → 2024

Net result

€54k▲ 431%

2023 · €10k

2023: €10k

2023 → 2024

Working capital

€59k▲ 906%

2023 · €6k

2023: €6k

2023 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20232024Trend

Equity€10k-€64k▲ 531%

Operating result€13k-€69k▲ 415%

Net result€10k-€54k▲ 431%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result rises in 2024; 2024 is 415% above 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €101k

91.5%

Fixed assets €9k ▼ 22.6%

Current assets €93k ▲ 310%

Equity and liabilities €101k

63.6%

36.4%

Equity €64k ▲ 531%

Debt €37k ▲ 56.8%

Debt's share of the balance-sheet total falls from 69.7% to 36.4%. Equity and debt are higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€72k▲

2023 · €15k

Cash flow

€57k▲

2023 · €12k

Current ratio

2.73▲

2023 · 1.35

Debt to equity

0.57▼

2023 · 2.30

ROE

84.1%▼

2023 · 100.0%

ROA

53.5%▲

2023 · 30.3%

Interest coverage

89.36▲

2023 · 30.82

Debt ≤ 1 year

€34k▲

2023 · €17k

Debt > 1 year

€2k▼

2023 · €6k

Income taxes

€15k▲

2023 · €3k

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 · 2024 against 2023 · 42 lines

Balance sheet Code20232024

Assets

Total assets20/58€34k€101k▲

Fixed assets21/28€11k€9k▼

Tangible fixed assets22/27€11k€9k▼

Furniture and vehicles24€11k€9k▼

Current assets29/58€23k€93k▲

Amounts receivable within one year40/41€15k€84k▲

Trade receivables40€15k€63k▲

Other amounts receivable41-€21k

Cash at bank and in hand54/58€8k€8k▲

Deferred charges and accrued income490/1€449€487▲

Equity and liabilities

Total equity and liabilities10/49€34k€101k▲

Equity10/15€10k€64k▲

Reserves13€10k€64k▲

Distributable reserves133€10k€64k▲

Amounts payable17/49€24k€37k▲

Amounts payable after more than one year17€6k€2k▼

Financial debts170/4€6k€2k▼

Amounts payable within one year42/48€17k€34k▲

Current portion of amounts payable after more than one year42€4k€4k▲

Financial debts43-€15k

Credit institutions430/8-€15k

Trade debts44€7k€12k▲

Suppliers440/4€7k€12k▲

Taxes, remuneration and social security45€3k€3k▲

Taxes450/3€3k€3k▲

Other amounts payable47/48€2k-

Accrued charges and deferred income492/3€833€954▲

Income statement Code20232024

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

Other operating charges640/8€796€617▼

Gross operating margin9900€16k€72k▲

Operating profit (loss)9901€13k€69k▲

Financial income75/76B-€351

Recurring financial income75-€351

Financial charges65/66B€484€804▲

Recurring financial charges65€484€804▲

Profit (loss) for the period before taxes9903€13k€69k▲

Income taxes67/77€3k€15k▲

Profit (loss) for the period9904€10k€54k▲

Profit (loss) for the period to be appropriated9905€10k€54k▲

Appropriation of the result

Profit (loss) to be appropriated9906€10k€54k▲

Transfer to equity691/2€10k€54k▲

To other reserves6921€10k€54k▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 3Financial 1Filings 2

2025

01-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Liquidity doublescurrent ratio 2.73

Current ratio from 1.35 to 2.73.

21-06

NBB filing Annual accounts filed

fiscal year 2023 · 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, Herk-de-Stad · 1 establishment unit since 2023

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.

Steenweg 1373540 Herk-de-Stad

Ground area

1,259 m²

Building footprint

235 m²

Parcel 71051C0845/00H000, Flanders · tallest building 0.1 m. Linked by address, not a title deed.

1 establishment unit

HARD ARCHITECTEN

Steenweg 137, 3540 Herk-de-StadActivities of building architects

since 20232.341.853.380

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
71051C0845/00H000	Flanders	1,258 m²	1 · 235 m²	0.1 m

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

Enplus Architecten

BE 0799.773.809

Gent · Eq €64,390

ARCHITECT VAN SCHELSTRAETE

Etterbeek · Eq €64,365

NPA architecten

BE 0769.304.030

Bierbeek · Eq €64,437

Of 18,255 companies in sector 71111 we hold annual accounts for 6,321. 5,431 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

Founded14-02-2023

Fiscal year end31-12

Activities, NACEBEL 2025

71111Activities of building architects

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.