LOBEAU ARCHITECT
ActiveLOBEAU ARCHITECT has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €100k and a net result of €16k. Equity is growing by ~15.1% per year across the filed fiscal years. Its solvency ranks better than 40% of 11613 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
86
/ 100
Excellent▼ -8 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability78▼-22
Solvency89▲+14
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 2.06 against 1.72 in 2023), but 56.1% of the assets are financed with debt.
Credit advice for your own amount and term
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 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
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 · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
36 d early
2022
34 d early
2021
37 d early
2020
31 d late
2019
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€100k▲ 18.5%
2023 · €85k
2018: €48k
2019: €42k
2020: €43k
2021: €48k
2022: €57k
2023: €85k
2018 → 2024
Total assets
€229k▲ 3.2%
2023 · €222k
2018: €204k
2019: €191k
2020: €208k
2021: €191k
2022: €222k
2023: €222k
2018 → 2024
Net result
€16k▼ 44.3%
2023 · €28k
2018: €14k
2019: €-6k
2020: €1k
2021: €5k
2022: €9k
2023: €28k
2018 → 2024
Working capital
€46k▲ 62.2%
2023 · €28k
2018: €-14k
2019: €-16k
2020: €12k
2021: €16k
2022: €1k
2023: €28k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€43k-€48k▲ 12.2%€57k▲ 18.1%€85k▲ 49.6%€100k▲ 18.5%
Operating result€11k-€11k▲ 2.2%€18k▲ 64.1%€45k▲ 156%€23k▼ 49.4%
Net result€1k-€5k▲ 391%€9k▲ 66.7%€28k▲ 224%€16k▼ 44.3%
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 2024; 2024 is 49% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €229k
Fixed assets
€140k▼ 9.2%
Current assets
€89k▲ 31.8%
Equity and liabilities €229k
Equity
€100k▲ 18.5%
Debt
€128k▼ 6.2%
The debt ratio falls from 61.8% to 56.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€50k▼
2023 · €70k
Cash flow
€42k▼
2023 · €53k
Solvency
43.9%▲
2023 · 38.2%
Current ratio
2.06▲
2023 · 1.72
Quick ratio
2.06▲
2023 · 1.72
Debt / equity
1.28▼
2023 · 1.62
ROE
15.6%▼
2023 · 33.2%
ROA
6.8%▼
2023 · 12.7%
Interest coverage
19.88▼
2023 · 24.24
Debt
€128k▼
2023 · €137k
Debt ≤ 1 year
€43k▲
2023 · €39k
Debt > 1 year
€84k▼
2023 · €97k
Income taxes
€7k▼
2023 · €16k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€222k€229k▲
Fixed assets21/28€154k€140k▼
Tangible fixed assets22/27€154k€140k▼
Land and buildings22€112k€102k▼
Furniture and vehicles24€42k€38k▼
Other tangible fixed assets26€411€0▼
Current assets29/58€67k€89k▲
Amounts receivable within one year40/41€61k€66k▲
Trade receivables40€22k€15k▼
Other amounts receivable41€39k€51k▲
Cash at bank and in hand54/58€6k€22k▲
Deferred charges and accrued income490/1€657€676▲
Equity and liabilities
Total equity and liabilities10/49€222k€229k▲
Equity10/15€85k€100k▲
Contributions10/11€20k€20k=
Reserves13€65k€80k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€63k€78k▲
Amounts payable17/49€137k€128k▼
Amounts payable after more than one year17€97k€84k▼
Financial debts170/4€97k€84k▼
Amounts payable within one year42/48€39k€43k▲
Current portion of amounts payable after more than one year42€23k€22k▼
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€3k€8k▲
Suppliers440/4€3k€8k▲
Taxes, remuneration and social security45€13k€13k▼
Taxes450/3€13k€13k▼
Accrued charges and deferred income492/3€1k€1k=
Income statement
Code20232024
Non-recurring operating income76A€11k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€27k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€73k€52k▼
Operating profit (loss)9901€45k€23k▼
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€44k€23k▼
Income taxes67/77€16k€7k▼
Profit (loss) for the period9904€28k€16k▼
Profit (loss) for the period to be appropriated9905€28k€16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€28k€16k▼
Transfer to equity691/2€28k€16k▼
To other reserves6921€28k€16k▼
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Equity above €100kEq €100k ▲18.5%
5 profitable years in a row build equity to €100k.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €28k ▲224%
Operating result €45k, net result €28k, both a record.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.35
Current ratio from 0.65 to 1.35; short-term debt falls from €45k to €34k.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet €-6k ▼141%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
28-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Waregem · 1 establishment unit since 2008
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.
Wortegemseweg 1098790 WaregemGround area
1,424 m²
Building footprint
31 m²
Volume, LiDAR
80 m³
Parcel 34452B0827/02S002, Flanders · tallest building 7.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
LOBEAU ARCHITECT
since 20082.301.669.646
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34452B0827/02S002 | Flanders | 1,424 m² | 1 · 31 m² | 7.1 m · 1 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
SOCIETE D'ARCHITECTES SYNE
BE 0886.171.214
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BLAF 8000
BE 0477.118.551
Brugge · Eq €100k
WB-architect
BE 0744.811.233
Herentals · Eq €100k
2PK Architecten
BE 0698.838.478
Gent · Eq €100k
ARCHITECTEN VANBECELAERE HAUSPIE
BE 0824.659.653
Veurne · Eq €101k
Of 18,210 companies in sector 71111 we hold annual accounts for 6,291. 5,459 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded14-10-2008
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.