M.V. ARCHITECTES
ActiveM.V. ARCHITECTES has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22k and a net result of €9k. Equity is shrinking by ~20.6% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 50% of 9430 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability96▲+5
Solvency79▲+22
Growth58=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.4 against 0.75 in 2024; short-term debt: 45.8% and cash: 18.2% of total assets), and 45.8% 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 · 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
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
192021232425
2019 to 2025 · latest year €22k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 15-12-2025, 47 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
47 d early
2024
60 d early
2023
13 d early
2021
3 d early
2020
60 d late
2019
10 d early
2018
9 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€9k▲ 21.2%
2024 · €7k
2019: €4k
2020: €7k
2021: €13k
2023: €-17k
2024: €7k
2019 → 2025
Working capital
€7k
2024 · €-6k
2019: €48k
2020: €52k
2021: €53k
2023: €-3k
2024: €-6k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202320242025Trend
Equity€60k-€74k▲ 22.0%€19k▼ 73.9%€13k▼ 32.5%€22k▲ 66.9%
Operating result€10k-€19k▲ 84.1%€-14k€8k€10k▲ 27.2%
Net result€7k-€13k▲ 97.0%€-17k€7k€9k▲ 21.2%
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 27% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €40k
Fixed assets
€14k▼ 39.6%
Current assets
€26k▲ 49.6%
Equity and liabilities €40k
Equity
€22k▲ 66.9%
Debt
€18k▼ 34.4%
The debt ratio falls from 68.2% to 45.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€20k▲
2024 · €18k
Cash flow
€18k▲
2024 · €17k
Solvency
54.2%▲
2024 · 31.8%
Current ratio
1.40▲
2024 · 0.75
Quick ratio
1.40▲
2024 · 0.75
Debt / equity
0.84▼
2024 · 2.15
ROE
40.1%▼
2024 · 55.2%
ROA
21.7%▲
2024 · 17.5%
Interest coverage
80.91▲
2024 · 18.25
Debt
€18k▼
2024 · €28k
Debt ≤ 1 year
€18k▼
2024 · €23k
Debt > 1 year
€0▼
2024 · €5k
Income taxes
€1k▲
2024 · €69
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€41k€40k▼
Fixed assets21/28€24k€14k▼
Tangible fixed assets22/27€17k€8k▼
Furniture and vehicles24€17k€8k▼
Financial fixed assets28€7k€7k=
Current assets29/58€17k€26k▲
Amounts receivable after more than one year29€9k€9k=
Other amounts receivable291€9k€9k=
Amounts receivable within one year40/41€5k€8k▲
Trade receivables40€5k€8k▲
Cash at bank and in hand54/58€2k€7k▲
Deferred charges and accrued income490/1€404€452▲
Equity and liabilities
Total equity and liabilities10/49€41k€40k▼
Equity10/15€13k€22k▲
Reserves13€24k€24k=
Distributable reserves133€24k€24k=
Profit (loss) carried forward14€-11k€-2k▲
Amounts payable17/49€28k€18k▼
Amounts payable after more than one year17€5k€0▼
Financial debts170/4€5k€0▼
Amounts payable within one year42/48€23k€18k▼
Current portion of amounts payable after more than one year42€6k€5k▼
Trade debts44€153€9k▲
Suppliers440/4€153€9k▲
Taxes, remuneration and social security45€499€3k▲
Taxes450/3€499€3k▲
Other amounts payable47/48€16k€838▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k=
Other operating charges640/8€922€935▲
Non-recurring operating charges66A€0-
Gross operating margin9900€19k€21k▲
Operating profit (loss)9901€8k€10k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€963€245▼
Recurring financial charges65€963€245▼
Profit (loss) for the period before taxes9903€7k€10k▲
Income taxes67/77€69€1k▲
Profit (loss) for the period9904€7k€9k▲
Profit (loss) for the period to be appropriated9905€7k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-11k€-2k▲
Profit (loss) brought forward from the previous period14P€-18k€-11k▲
Transfer from equity791/2€13k€0▼
Profit to be distributed694/7€13k€0▼
Return on contributions (dividend)694€13k€0▼
The notes to these accounts (9 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
2025
15-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
02-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
18-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €-17k ▼228%
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
2022
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Highest result since 2019net €13k ▲97%
Operating result €19k, net result €13k, both a record.
01-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 60 days late
2020
21-01
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
22-01
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
24-11
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
09-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2015
18-11
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Oudergem · 1 establishment unit since 2010
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.
Appelbloesemgaarde 291160 OudergemGround area
149 m²
Building footprint
54 m²
Volume, LiDAR
486 m³
Parcel 21332B0427/00F008, Brussels · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
M.V.Architectes
since 20102.185.311.218
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21332B0427/00F008 | Brussels | 149 m² | 1 · 54 m² | 10.4 m · 3 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
ISABEL BOENS ARCHITECTUUR
BE 0787.695.725
Gent · Eq €22k
Studio Tabor
BE 1031.438.513
Sint-Lambrechts-Woluwe · Eq €22k
PILOTI - ARCHITECTES
BE 0746.904.651
Hannut · Eq €22k
SUBWAY COLLECTIVE
BE 1019.370.624
Namur · Eq €22k
AF-AME
BE 1007.102.401
Chaudfontaine · Eq €22k
Of 18,255 companies in sector 71111 we hold annual accounts for 6,320. 4,580 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-02-2010
Fiscal year end30-06
Activities, NACEBEL
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.