KATRIN BERCKMANS, IR.-ARCHITECT
ActiveKATRIN BERCKMANS, IR.-ARCHITECT has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €182k and a net result of €30k. Equity is growing by ~20.6% per year across the filed fiscal years. Its solvency ranks better than 90% of 726 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
96
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▼-3
Solvency100=
Growth77▲+1
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 7.76 against 9.19 in 2024; short-term debt: 11.6% and cash: 44.5% of total assets), and 14.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers 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 →
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
85.7%
Return on assets
14%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
29 d late
2022
394 d late
2021
29 d late
2020
30 d late
2019
31 d late
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€183k▲ 17.2%
2024 · €156k
2018: €81k
2019: €78k
2020: €110k
2021: €90k
2022: €96k
2023: €114k
2024: €156k
2018 → 2025
EBIT margin
20.4%▼ 4.4pp
2024 · 24.9%
2018: 7.2%
2019: 1.9%
2020: 22.0%
2021: 11.6%
2022: 14.4%
2023: 28.5%
2024: 24.9%
2018 → 2025
Net result
€30k▼ 3.7%
2024 · €31k
2018: €6k
2019: €1k
2020: €23k
2021: €8k
2022: €11k
2023: €26k
2024: €31k
2018 → 2025
Working capital
€167k▲ 21.8%
2024 · €137k
2018: €54k
2019: €53k
2020: €77k
2021: €86k
2022: €96k
2023: €111k
2024: €137k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€90k-€96k▲ 6.9%€114k▲ 19.3%€156k▲ 36.3%€183k▲ 17.2%
Equity€84k-€95k▲ 12.9%€122k▲ 27.4%€152k▲ 25.4%€182k▲ 19.5%
Operating result€10k-€14k▲ 32.4%€33k▲ 136%€39k▲ 18.8%€37k▼ 3.7%
Net result€8k-€11k▲ 34.1%€26k▲ 139%€31k▲ 18.3%€30k▼ 3.7%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €213k
Fixed assets
€21k▲ 13.7%
Current assets
€192k▲ 24.6%
Equity and liabilities €213k
Equity
€182k▲ 19.5%
Debt
€30k▲ 53.8%
The debt ratio rises from 11.5% to 14.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€41k▲
2024 · €40k
Cash flow
€34k▲
2024 · €32k
Solvency
85.7%▼
2024 · 88.5%
Current ratio
7.76▼
2024 · 9.19
Quick ratio
7.76▼
2024 · 9.19
Debt / equity
0.17▲
2024 · 0.13
ROE
16.3%▼
2024 · 20.3%
ROA
14.0%▼
2024 · 18.0%
Interest coverage
451.16▼
2024 · 721.85
Debt
€30k▲
2024 · €20k
Debt ≤ 1 year
€25k▲
2024 · €17k
Income taxes
€7k▼
2024 · €8k
Staff costs
€0▼
2024 · €3k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€172k€213k▲
Fixed assets21/28€18k€21k▲
Intangible fixed assets21€0-
Tangible fixed assets22/27€18k€21k▲
Plant, machinery and equipment23€11k€9k▼
Furniture and vehicles24€8k€11k▲
Current assets29/58€154k€192k▲
Amounts receivable within one year40/41€47k€97k▲
Trade receivables40€46k€90k▲
Other amounts receivable41€1k€8k▲
Cash at bank and in hand54/58€107k€95k▼
Deferred charges and accrued income490/1€240-
Equity and liabilities
Total equity and liabilities10/49€172k€213k▲
Equity10/15€152k€182k▲
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€134k€164k▲
Distributable reserves133€134k€164k▲
Amounts payable17/49€20k€30k▲
Amounts payable within one year42/48€17k€25k▲
Trade debts44€8k€0▼
Suppliers440/4€8k€0▼
Taxes, remuneration and social security45€9k€25k▲
Taxes450/3€9k€21k▲
Remuneration and social security454/9-€4k
Accrued charges and deferred income492/3€3k€6k▲
Income statement
Code20242025
Turnover70€156k€183k▲
Goods, raw materials, services and sundry goods60/61€134k€141k▲
Remuneration, social security and pensions62€3k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€4k▲
Other operating charges640/8€535€550▲
Gross operating margin9900€43k€42k▼
Operating profit (loss)9901€39k€37k▼
Financial charges65/66B€56€92▲
Recurring financial charges65€56€92▲
Profit (loss) for the period before taxes9903€39k€37k▼
Income taxes67/77€8k€7k▼
Profit (loss) for the period9904€31k€30k▼
Profit (loss) for the period to be appropriated9905€31k€30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€31k€30k▼
Transfer to equity691/2€31k€30k▼
To the legal reserve6920€31k€30k▼
The notes to these accounts (6 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 · full schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €31k ▲18.3%
Operating result €39k, net result €31k, both a record.
31-12
Financial
Equity above €150kEq €152k ▲25.4%
7 profitable years in a row build equity to €152k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 394 days late
2023
31-12
Financial
Equity above €100kEq €122k ▲27.4%
6 profitable years in a row build equity to €122k.
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 29 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet €1k ▼75.9%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 9.19
Current ratio from 4.57 to 9.19; short-term debt falls from €15k to €6k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 28 days late
2017
01-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 32 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, Mechelen · 1 establishment unit since 2009
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.
Koningin Astridlaan 1512800 MechelenGround area
231 m²
Building footprint
100 m²
Volume, LiDAR
1,061 m³
Parcel 12025E0891/00L002, Flanders · tallest building 16.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Koningin Astridlaan 151, 2800 Mechelen
since 20092.292.661.019
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12025E0891/00L002 | Flanders | 231 m² | 1 · 100 m² | 16.3 m · 4 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 · 1 entry · 48 EUR awarded · 48 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 48 EUR | 48 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
DELNAYE EXPERTISES & ARCHITECTURE
BE 0475.489.545
Stavelot · Eq €182k
PEVABO
BE 0769.850.693
Lommel · Eq €182k
HELSEN ARCHITECTEN
BE 0421.873.685
Geel · Eq €182k
SMITS-LEYSEN architecten
BE 0738.931.350
Tessenderlo-Ham · Eq €182k
MAKER architecten
BE 0843.585.442
Gent · Eq €182k
Of 18,256 companies in sector 71111 we hold annual accounts for 6,321. 5,225 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-01-2009
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
71113Urban planning and landscape architecture
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.