M4 ARCHITECTURE

Active

Private limited company (pre-2019)founded 200719 yrs activeRue du Cuisinier 158, 1420 Braine-l'Alleud, BelgiumKBO/BCE: BE 0892.431.672

Summary

M4 ARCHITECTURE has been active since 2007 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags). The 2025 annual accounts show equity of €53,780 and a net result of €23,315. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 46% of 11099 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisWatch Report Compare

M4 ARCHITECTUREActiveChecked score 90/100

Risk analysis Report Compare

Activity

Activities of building architects

NACE 71111Photography, excluding press photography NACE 74201

Size

€107,444total assets 2025

Equity: €53,780
Profit: €23,315

Turnover not published (abridged schema)

Financial health

90 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.2%

Structure

Accounts filed 26 d late

Why 90- Latest accounts 26 days late; 1 of the last 3 late- No establishment unit in the KBO+ Liquidity: current ratio 2.00, cash €26,132+ Sector Architectural and engineering activities; technical testing and analysis (NACE 71)Show the evidence

Checked score

Score 2025

90 / 100

Excellent

Probability in this band: under 0.55%

Better than 61% of its sector peers (NACE 71, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 75+7

equity 50.1% of total assets

Liquidity 55+34

short-term debt 49.9% · cash 24.3%

Profitability 92+92

return on assets 21.7%

Bankruptcy probability, 12 months

0.2% Very low

0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (14,650 companies)

Last 24 months 11-2024: 16.0% 12-2024: 16.0%● 0.0% vs 11-2024 01-2025: 16.0%● 0.0% vs 12-2024 02-2025: 16.0%● 0.0% vs 01-2025 03-2025: 16.0%● 0.0% vs 02-2025 04-2025: 16.0%● 0.0% vs 03-2025 05-2025: 17.0%▲ +6.5% vs 04-2025 06-2025: 17.0%● 0.0% vs 05-2025 07-2025: ≥ 25%▲ +64.4% vs 06-2025highest value 08-2025: ≥ 25%▼ -3.3% vs 07-2025 09-2025: 5.2%▼ -81.0% vs 08-2025 10-2025: 5.2%● 0.0% vs 09-2025 11-2025: 5.2%● 0.0% vs 10-2025 12-2025: 5.2%● 0.0% vs 11-2025 01-2026: 5.2%● 0.0% vs 12-2025 02-2026: 5.2%● 0.0% vs 01-2026 03-2026: 5.1%▼ -0.8% vs 02-2026 04-2026: 5.1%▼ -0.5% vs 03-2026 05-2026: 5.0%▼ -2.1% vs 04-2026 06-2026: 4.8%▼ -3.2% vs 05-2026 07-2026: 4.9%▲ +2.5% vs 06-2026 08-2026: 6.2%▲ +25.9% vs 07-2026 09-2026: 0.2%▼ -97.0% vs 08-2026lowest value 10-2026: 0.2%● 0.0% vs 09-2026lowest value

Liquidity: current ratio 2.00, cash €26,132 lowers the probability
Sector Architectural and engineering activities; technical testing and analysis (NACE 71) lowers the probability
Latest accounts 26 days late; 1 of the last 3 late raises the probability
No establishment unit in the KBO raises the probability

Credit up to €4,500 at 30 days acceptable

Liquidity ample (current ratio 2.0 against 1.75 in 2024; short-term debt: 49.9% and cash: 24.3% of total assets), and 49.9% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 71, micro). Better than this share of them on solvency 48%, liquidity 41%, profitability 67%, growth against the median 88%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Liquidity: current ratio 2.00, cash €26,132

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Sector Architectural and engineering activities; technical testing and analysis (NACE 71)

In the bankruptcy model this factor lowers the probability.

KBO

Latest accounts 26 days late; 1 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

No establishment unit in the KBO

In the bankruptcy model this factor raises the probability.

KBO · seat and establishments

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 filings

Deviation from the deadline

2025

26 d late

2024

21 d late

2023

386 d late

2022

752 d late

2021

248 d late

2020

53 d late

2019

24 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 216 days after the deadline; the sector median for financial year 2024 is 8 days before the deadline, and 34% of the sector filed late.

Administrative warnings in the KBO publications

1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.

KBO publications

Publications

UBO non-compliance

Checked, nothing found (1)

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. Usually files around 4 April (4 of the last 5 filed years within 227 days of that day).

Companies Code · seven months

Position in the running window

03-10-2026 today31-12-2026 close31-07-2027 deadline