hp architect
ActiveSummary
hp architect has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14k and a net result of €2k. Equity is growing by ~8.1% per year across the filed fiscal years. Its solvency ranks better than 32% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability51▼-21
Solvency59▼-4
Growth52▲+20
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.04 against 1.44 in 2024; short-term debt: 66.1% and cash: 5.3% of total assets), and 66.1% of the assets are financed with debt.
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
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 · 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 →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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 · 3 filingsDeviation from the deadline
2025
20 d late
2024
24 d early
2023
28 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
€14k▲ 16.5%
2024 · €12k
2023: €12k
2024: €12k
2023 → 2025
Total assets
€42k▲ 31.3%
2024 · €32k
2023: €37k
2024: €32k
2023 → 2025
Net result
€2k▲ 152%
2024 · €801
2023: €11k
2024: €801
2023 → 2025
Working capital
€1k▼ 88.0%
2024 · €9k
2023: €-3k
2024: €9k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€12k-€12k▼ 0.3%€14k▲ 16.5%
Operating result€16k-€2k▼ 87.7%€5k▲ 174%
Net result€11k-€801▼ 92.7%€2k▲ 152%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 174% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €42k
Fixed assets
€13k ▲ 276%
Current assets
€29k ▲ 1.1%
Equity and liabilities €42k
Equity
€14k ▲ 16.5%
Debt
€28k ▲ 40.5%
Debt's share of the balance-sheet total rises from 61.7% to 66.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€9k▲
2024 · €3k
Cash flow
€5k▲
2024 · €1k
Current ratio
1.04▼
2024 · 1.44
Debt to equity
1.95▲
2024 · 1.61
ROE
14.2%▲
2024 · 6.6%
ROA
4.8%▲
2024 · 2.5%
Interest coverage
3.10▼
2024 · 10.94
Debt ≤ 1 year
€28k▲
2024 · €20k
Income taxes
€737▼
2024 · €995
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€32k€42k▲
Fixed assets21/28€3k€13k▲
Tangible fixed assets22/27€3k€13k▲
Land and buildings22-€3k
Plant, machinery and equipment23€3k€3k▼
Furniture and vehicles24€407€8k▲
Current assets29/58€28k€29k▲
Stocks and contracts in progress3€2k€0▼
Contracts in progress37€2k€0▼
Amounts receivable within one year40/41€15k€25k▲
Trade receivables40€14k€24k▲
Other amounts receivable41€1k€1k▲
Cash at bank and in hand54/58€10k€2k▼
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€32k€42k▲
Equity10/15€12k€14k▲
Contributions10/11€1k€1k=
Reserves13€11k€13k▲
Distributable reserves133€11k€13k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€20k€28k▲
Amounts payable within one year42/48€20k€28k▲
Financial debts43€2k€44▼
Credit institutions430/8€2k€44▼
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€6k€14k▲
Taxes450/3€6k€8k▲
Remuneration and social security454/9-€6k
Other amounts payable47/48€10k€11k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A€349€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€501€3k▲
Other operating charges640/8€751€610▼
Gross operating margin9900€3k€9k▲
Operating profit (loss)9901€2k€5k▲
Financial income75/76B€21€22▲
Recurring financial income75€21€22▲
Financial charges65/66B€229€3k▲
Recurring financial charges65€229€3k▲
Profit (loss) for the period before taxes9903€2k€3k▲
Income taxes67/77€995€737▼
Profit (loss) for the period9904€801€2k▲
Profit (loss) for the period to be appropriated9905€801€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€801€2k▲
Transfer from equity791/2€833€0▼
Transfer to equity691/2€801€2k▲
To other reserves6921€801€2k▲
Profit to be distributed694/7€833€0▼
Return on contributions (dividend)694€833€0▼
The notes to these accounts (7 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €801 ▼92.7%
Net result drops to €801, the lowest in the series; recovery starts the following year.
03-07
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, Aalter · 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.
Driesstraat 409880 AalterGround area
4,427 m²
Building footprint
177 m²
Volume, LiDAR
975 m³
Parcel 44001A0721/00B000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
hp architect
since 20222.340.072.738
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44001A0721/00B000 | Flanders | 4,427 m² | 1 · 177 m² | 8.2 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
2023 to 2025 · 3 entries · 366 EUR awarded · 366 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 0 EUR | 216 EUR |
| 2024 | 1 | 216 EUR | 0 EUR |
| 2023 | 1 | 150 EUR | 150 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 18,255 companies in sector 71111 we hold annual accounts for 6,321. 3,998 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
Founded29-12-2022
Fiscal year end31-12
Activities, NACEBEL 2025
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.