LM-ARCHITECTE
ActiveLM-ARCHITECTE has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €62k and a net result of €22k. Equity is growing by ~25% per year across the filed fiscal years. Its solvency ranks better than 34% of 9386 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
86
/ 100
Excellent▲ +10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency70▲+31
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.54 against 1.17 in 2024), but 63.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 →
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
36.8%
Return on assets
13.3%
Age of the figures
8 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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
56 d late
2023
120 d late
2022
61 d late
2021
135 d late
2020
95 d late
2019
91 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€62k▲ 56.4%
2024 · €40k
2018: €5k
2019: €16k
2020: €16k
2021: €15k
2022: €12k
2023: €8k
2024: €40k
2018 → 2025
Total assets
€169k▲ 1.2%
2024 · €167k
2018: €64k
2019: €62k
2020: €68k
2021: €117k
2022: €169k
2023: €134k
2024: €167k
2018 → 2025
Net result
€22k▼ 30.1%
2024 · €32k
2018: €-2k
2019: €11k
2020: €332
2021: €-1k
2022: €-3k
2023: €-4k
2024: €32k
2018 → 2025
Working capital
€36k▲ 158%
2024 · €14k
2018: €-6k
2019: €4k
2020: €10k
2021: €2k
2022: €10k
2023: €-8k
2024: €14k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€15k-€12k▼ 22.5%€8k▼ 35.0%€40k▲ 419%€62k▲ 56.4%
Operating result€579-€-626€-1k▼ 89.8%€46k€34k▼ 26.6%
Net result€-1k-€-3k▼ 185%€-4k▼ 20.3%€32k€22k▼ 30.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 27% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €169k
Fixed assets
€66k▼ 6.5%
Current assets
€103k▲ 6.8%
Equity and liabilities €169k
Equity
€62k▲ 56.4%
Provisions
€5k
Debt
€102k▼ 20.3%
The debt ratio falls from 76.2% to 60.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€40k▼
2024 · €49k
Cash flow
€28k▼
2024 · €35k
Solvency
36.8%▲
2024 · 23.8%
Current ratio
1.54▲
2024 · 1.17
Quick ratio
1.54▲
2024 · 1.17
Debt / equity
1.63▼
2024 · 3.21
ROE
36.1%▼
2024 · 80.7%
ROA
13.3%▼
2024 · 19.2%
Interest coverage
11.30▼
2024 · 15.64
Debt
€102k▼
2024 · €128k
Debt ≤ 1 year
€67k▼
2024 · €83k
Debt > 1 year
€35k▼
2024 · €44k
Income taxes
€6k▼
2024 · €13k
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€167k€169k▲
Fixed assets21/28€71k€66k▼
Tangible fixed assets22/27€69k€64k▼
Land and buildings22€58k€56k▼
Furniture and vehicles24€10k€8k▼
Financial fixed assets28€2k€2k▼
Current assets29/58€97k€103k▲
Amounts receivable within one year40/41€91k€98k▲
Trade receivables40€44k€31k▼
Other amounts receivable41€47k€68k▲
Cash at bank and in hand54/58€507€1k▲
Deferred charges and accrued income490/1€5k€4k▼
Equity and liabilities
Total equity and liabilities10/49€167k€169k▲
Equity10/15€40k€62k▲
Contributions10/11€13k€13k=
Reserves13€27k€49k▲
Tax-exempt reserves132-€16k
Distributable reserves133€27k€33k▲
Profit (loss) carried forward14€275€308▲
Provisions and deferred taxes16-€5k
Deferred taxes168-€5k
Amounts payable17/49€128k€102k▼
Amounts payable after more than one year17€44k€35k▼
Financial debts170/4€44k€35k▼
Amounts payable within one year42/48€83k€67k▼
Current portion of amounts payable after more than one year42€9k€10k▲
Financial debts43€4k-
Credit institutions430/8€4k-
Trade debts44€29k€23k▼
Suppliers440/4€29k€23k▼
Advances received on contracts in progress46€15k-
Taxes, remuneration and social security45€24k€33k▲
Taxes450/3€24k€33k▲
Other amounts payable47/48€1k€1k▲
Accrued charges and deferred income492/3€765€16▼
Income statement
Code20242025
Non-recurring operating income76A-€34k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€6k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€3k
Other operating charges640/8€4k€2k▼
Non-recurring operating charges66A€8k€477▼
Gross operating margin9900€61k€45k▼
Operating profit (loss)9901€46k€34k▼
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€46k€34k▼
Transfer from deferred taxes780-€911
Transfer to deferred taxes680-€6k
Income taxes67/77€13k€6k▼
Profit (loss) for the period9904€32k€22k▼
Transfer from tax-exempt reserves789-€3k
Transfer to tax-exempt reserves689-€19k
Profit (loss) for the period to be appropriated9905€32k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€6k▼
Profit (loss) brought forward from the previous period14P€-23k€275▲
Transfer to equity691/2€9k€6k▼
To other reserves6921€9k€6k▼
The notes to these accounts (10 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 56 days late
2024
31-12
Financial
Back to profitnet €32k
Net result €32k after 3 loss-making years.
28-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 120 days late
2023
31-12
Financial
Weakest financial yearnet €-4k
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
13-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 135 days late
2021
03-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 95 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · 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
3 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, Liège · 1 establishment unit since 2014
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.
Quai Paul-Van-Hoegaerden 2/1854000 LiègeGround area
3,640 m²
Building footprint
834 m²
Volume, LiDAR
72,526 m³
Parcel 62063A1759/00G004, Wallonia · tallest building 95.3 m, ±30 floors. Linked by address, not a title deed.
1 establishment unit
LM - ARCHITECTE
since 20142.228.924.990
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62063A1759/00G004 | Wallonia | 3,640 m² | 1 · 834 m² | 95.3 m · 30 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
By Malvine Architecture
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Lekanto
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Bureau d'Architecte LODOMEZ
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Of 18,210 companies in sector 71111 we hold annual accounts for 6,293. 5,396 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-03-2014
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.