KMO ARCHITECT
ActiveSummary
KMO ARCHITECT has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €126k and a net result of €221. Equity is growing by ~24.8% per year across the filed fiscal years. Its solvency ranks better than 28% of 8692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability19▲+19
Solvency52▲+7
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity short (current ratio 0.86 against 1.16 in 2024; short-term debt: 24.4% and cash: 3% of total assets), and 72.8% of the assets are financed with debt.
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Signals
Four 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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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
27.2%
Return on assets
0%
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 06-08-2026, 6 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
6 d late
2024
1 d early
2023
28 d late
2022
18 d early
2021
16 d early
2020
15 d early
2019
11 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Roughly what is this company worth?Value indication
Financials · fiscal year 2025, abbreviated schema
Equity
€126k▲ 0.2%
2024 · €126k
Total assets
€466k▼ 26.9%
2024 · €636k
Net result
€221
2024 · €-265k
Working capital
€-16k
2024 · €29k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€118k▲ 39.8%€-39k€25k€-256k€-22k▲ 91.5%
Net result€88k▲ 33.0%€21k▼ 75.6%€5k▼ 75.3%€-265k€221
Equity€49k▲ 19.1%€70k▲ 43.8%€76k▲ 7.5%€126k▲ 67.1%€126k▲ 0.2%
Total assets€1.21M▼ 3.7%€1.25M▲ 3.2%€709k▼ 43.4%€636k▼ 10.2%€466k▼ 26.9%
Debt€1.16M▼ 4.5%€1.18M▲ 1.5%€633k▼ 46.4%€510k▼ 19.5%€339k▼ 33.5%
Working capital€206k▼ 42.3%€-55k€-117k▼ 114%€29k€-16k
Staff (FTE)1.1▼ 70.3%1.1=1.4▲ 27.3%1.3▼ 7.1%0.2▼ 84.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €22k in 2025 against €256k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €466k
Fixed assets
€368k ▼ 14.5%
Current assets
€98k ▼ 52.5%
Equity and liabilities €466k
Equity
€126k ▲ 0.2%
Debt
€339k ▼ 33.5%
Debt's share of the balance-sheet total falls from 80.2% to 72.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€-11k▲
2024 · €-248k
Cash flow
€11k▲
2024 · €-256k
Current ratio
0.86▼
2024 · 1.16
Debt to equity
2.68▼
2024 · 4.04
ROE
0.2%▲
2024 · -209.6%
ROA
0.0%▲
2024 · -41.6%
Interest coverage
-0.52▲
2024 · -30.28
Debt ≤ 1 year
€114k▼
2024 · €177k
Debt > 1 year
€225k▼
2024 · €333k
Staff costs
€10k▼
2024 · €98k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €88k | - | €69k | - | - | - |
| Remuneration, social security and pensions62 | €61k | €70k | €97k | €98k | €10k | ▼ 90.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €21k | €26k | €8k | €8k | €11k | ▲ 24.6% |
| Other operating charges640/8 | €33k | €3k | €2k | €1k | €1k | ▼ 13.4% |
| Non-recurring operating charges66A | - | - | - | €239k | - | - |
| Gross operating margin9900 | €233k | €60k | €133k | €91k | €-296 | ▼ 100% |
| Operating profit (loss)9901 | €118k | €-39k | €25k | €-256k | €-22k | ▲ 91.5% |
| Financial income75/76B | €2k | €88k | €6k | - | €43k | - |
| Recurring financial income75 | €6 | €88k | €6k | - | €1k | - |
| Non-recurring financial income76B | €2k | - | - | - | €42k | - |
| Financial charges65/66B | €30k | €28k | €24k | €8k | €21k | ▲ 161% |
| Recurring financial charges65 | €30k | €28k | €24k | €8k | €21k | ▲ 161% |
| Profit (loss) for the period before taxes9903 | €91k | €21k | €7k | €-264k | €221 | ▲ 100% |
| Income taxes67/77 | €3k | - | €1k | €183 | - | - |
| Profit (loss) for the period9904 | €88k | €21k | €5k | €-265k | €221 | ▲ 100% |
| Profit (loss) for the period to be appropriated9905 | €88k | €21k | €5k | €-265k | €221 | ▲ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.21M | €1.25M | €709k | €636k | €466k | ▼ 26.9% |
| Fixed assets21/28 | €807k | €1.09M | €568k | €430k | €368k | ▼ 14.5% |
| Tangible fixed assets22/27 | €339k | €621k | €36k | €32k | €34k | ▲ 5.0% |
| Land and buildings22 | €311k | €580k | €6k | €5k | €4k | ▼ 28.0% |
| Plant, machinery and equipment23 | €22k | €19k | €12k | €13k | €20k | ▲ 45.5% |
| Furniture and vehicles24 | €6k | €22k | €18k | €14k | €11k | ▼ 21.9% |
| Financial fixed assets28 | €468k | €468k | €532k | €397k | €333k | ▼ 16.1% |
| Current assets29/58 | €406k | €162k | €141k | €207k | €98k | ▼ 52.5% |
| Amounts receivable after more than one year29 | - | - | - | €42k | €42k | = |
| Other amounts receivable291 | - | - | - | €42k | €42k | = |
| Amounts receivable within one year40/41 | €378k | €139k | €93k | €142k | €41k | ▼ 71.3% |
| Trade receivables40 | €237k | €137k | €93k | €142k | €40k | ▼ 72.0% |
| Other amounts receivable41 | €141k | €2k | - | - | €972 | - |
| Cash at bank and in hand54/58 | €25k | €19k | €32k | €23k | €14k | ▼ 38.9% |
| Deferred charges and accrued income490/1 | €3k | €4k | €15k | - | €1k | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.21M | €1.25M | €709k | €636k | €466k | ▼ 26.9% |
| Equity10/15 | €49k | €70k | €76k | €126k | €126k | ▲ 0.2% |
| Contributions10/11 | €10k | €10k | €10k | €10k | €10k | = |
| Revaluation surpluses12 | - | - | - | €315k | €315k | = |
| Reserves13 | €2k | €2k | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Profit (loss) carried forward14 | €37k | €58k | €64k | €-201k | €-201k | ▲ 0.1% |
| Amounts payable17/49 | €1.16M | €1.18M | €633k | €510k | €339k | ▼ 33.5% |
| Amounts payable after more than one year17 | €962k | €960k | €373k | €333k | €225k | ▼ 32.2% |
| Financial debts170/4 | €962k | €960k | €373k | €333k | €225k | ▼ 32.2% |
| Amounts payable within one year42/48 | €200k | €217k | €258k | €177k | €114k | ▼ 36.0% |
| Current portion of amounts payable after more than one year42 | €80k | €83k | €109k | €137k | €101k | ▼ 26.5% |
| Trade debts44 | €14k | €54k | €94k | €18k | €10k | ▼ 44.9% |
| Suppliers440/4 | €14k | €54k | €94k | €18k | €10k | ▼ 44.9% |
| Taxes, remuneration and social security45 | €24k | €21k | €41k | €22k | €3k | ▼ 87.1% |
| Taxes450/3 | €13k | €11k | €23k | €5k | €3k | ▼ 43.7% |
| Remuneration and social security454/9 | €12k | €10k | €17k | €17k | - | - |
| Other amounts payable47/48 | €81k | €59k | €15k | - | €37 | - |
| Accrued charges and deferred income492/3 | €2k | €5k | €2k | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €88k | €21k | €5k | €-265k | €221 | ▲ 100% |
| + Depreciation and write-downs630 | €21k | €26k | €8k | €8k | €11k | ▲ 24.6% |
| Operating cash flow (approximation) | €109k | €47k | €13k | €-256k | €11k | ▲ 104% |
| Investment in fixed assets (approximation) | - | €-308k | €513k | €130k | €52k | ▼ 60.0% |
| Change in cash | - | €-6k | €13k | €-10k | €-9k | ▲ 7.9% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
06-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 6 days late
2025
31-12
Financial
Back to profitnet €221
Net result €221 after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-265k
Net result drops to €-265k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 1.16
Current ratio from 0.55 to 1.16; short-term debt falls from €258k to €177k.
31-12
Financial
Equity above €100kEq €126k ▲67.1%
Equity rises from €76k to €126k.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 28 days late
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Highest result since 2018net €97k ▲2,805%
Net result €97k, the highest in the series.
Show earlier events
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
13-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Evergem · 1 establishment unit since 2018
Ground area
164 m²
Building footprint
100 m²
Volume, LiDAR
703 m³
Parcel 43006I0198/00C000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
KMO-ARCHITECT
since 20182.275.428.869
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43006I0198/00C000 | Flanders | 164 m² | 1 · 100 m² | 8.6 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,632 companies in sector 70200 we hold annual accounts for 52,587. 40,853 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded29-04-2013
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
66199Other activities auxiliary to financial services, excluding insurance and pension funding
69109Other legal services
82100Office administrative and support services
82990Other business support services
Scores and ratios are computed by Checked and are not a credit decision.