MIOLI Bénédicte - Architecte
ActiveMIOLI Bénédicte - Architecte has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €287k and a net result of €104k. Equity is growing by ~73% per year across the filed fiscal years. Its solvency ranks better than 78% of 9417 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
92
/ 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
Profitability100=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 5.02 against 4.51 in 2024; short-term debt: 18.7% and cash: 77.3% of total assets), and 20.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
79.6%
Return on assets
28.9%
Age of the figures
9 mo
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 27-07-2026, 4 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
4 d early
2024
175 d early
2023
22 d early
2022
57 d late
2021
16 d early
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€287k▲ 57.2%
2024 · €183k
2021: €38k
2022: €50k
2023: €92k
2024: €183k
2021 → 2025
Total assets
€360k▲ 47.8%
2024 · €244k
2021: €84k
2022: €165k
2023: €201k
2024: €244k
2021 → 2025
Net result
€104k▲ 14.9%
2024 · €91k
2021: €40k
2022: €12k
2023: €42k
2024: €91k
2021 → 2025
Working capital
€271k▲ 66.9%
2024 · €162k
2021: €33k
2022: €17k
2023: €67k
2024: €162k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€38k-€50k▲ 32.8%€92k▲ 83.2%€183k▲ 99.0%€287k▲ 57.2%
Operating result€54k-€19k▼ 64.4%€60k▲ 216%€129k▲ 113%€155k▲ 20.7%
Net result€40k-€12k▼ 68.9%€42k▲ 237%€91k▲ 118%€104k▲ 14.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 21% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €360k
Fixed assets
€23k▼ 36.5%
Current assets
€338k▲ 62.2%
Equity and liabilities €360k
Equity
€287k▲ 57.2%
Debt
€74k▲ 19.8%
The debt ratio falls from 25.2% to 20.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€170k▲
2024 · €145k
Cash flow
€119k▲
2024 · €107k
Solvency
79.6%▲
2024 · 74.8%
Current ratio
5.02▲
2024 · 4.51
Quick ratio
5.02▲
2024 · 4.51
Debt / equity
0.26▼
2024 · 0.34
ROE
36.4%▼
2024 · 49.7%
ROA
28.9%▼
2024 · 37.2%
Interest coverage
147.33▲
2024 · 95.68
Debt
€74k▲
2024 · €61k
Debt ≤ 1 year
€67k▲
2024 · €46k
Debt > 1 year
€6k▼
2024 · €15k
Income taxes
€50k▲
2024 · €37k
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€244k€360k▲
Fixed assets21/28€36k€23k▼
Intangible fixed assets21€716-
Tangible fixed assets22/27€34k€21k▼
Furniture and vehicles24€3k€3k▲
Leasing and similar rights25€31k€18k▼
Financial fixed assets28€1k€1k=
Current assets29/58€208k€338k▲
Amounts receivable within one year40/41€29k€50k▲
Trade receivables40€21k€40k▲
Other amounts receivable41€8k€10k▲
Cash at bank and in hand54/58€172k€279k▲
Deferred charges and accrued income490/1€7k€9k▲
Equity and liabilities
Total equity and liabilities10/49€244k€360k▲
Equity10/15€183k€287k▲
Contributions10/11€3k€3k=
Reserves13€178k€282k▲
Distributable reserves133€178k€282k▲
Profit (loss) carried forward14€1k€1k▲
Amounts payable17/49€61k€74k▲
Amounts payable after more than one year17€15k€6k▼
Financial debts170/4€15k€6k▼
Amounts payable within one year42/48€46k€67k▲
Current portion of amounts payable after more than one year42€12k€12k▲
Trade debts44€9€8k▲
Suppliers440/4€9€8k▲
Taxes, remuneration and social security45€34k€38k▲
Taxes450/3€8k€38k▲
Remuneration and social security454/9€26k-
Other amounts payable47/48-€9k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€14k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€146k€171k▲
Operating profit (loss)9901€129k€155k▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€127k€154k▲
Income taxes67/77€37k€50k▲
Profit (loss) for the period9904€91k€104k▲
Profit (loss) for the period to be appropriated9905€91k€104k▲
Appropriation of the result
Profit (loss) to be appropriated9906€91k€105k▲
Profit (loss) brought forward from the previous period14P€335€1k▲
Transfer to equity691/2€90k€104k▲
To other reserves6921€90k€104k▲
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
Next filing, fiscal year 2026, expected by
2026
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €104k ▲14.9%
Operating result €155k, net result €104k, both a record.
31-12
Financial
Equity above €200kEq €287k ▲57.2%
5 profitable years in a row build equity to €287k.
06-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 4.51
Current ratio from 1.79 to 4.51; short-term debt falls from €85k to €46k.
31-12
Financial
Equity above €150kEq €183k ▲99%
4 profitable years in a row build equity to €183k.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 57 days late
2022
31-12
Financial
Weakest financial yearnet €12k ▼68.9%
Net result drops to €12k, the lowest in the series; recovery starts the following year.
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Marche-en-Famenne · 2 establishment units since 2020
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.
Lignières, Rue de Buzin 236900 Marche-en-FamenneGround area
7,479 m²
Building footprint
237 m²
Parcel 83045B1368/00G000, Wallonia. Linked by address, not a title deed.
2 establishment units
MIOLI Bénédicte - Architecte
since 20202.306.661.285
MIOLI Bénédicte - Architecte
since 20202.306.661.384
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83045B1368/00G000 | Wallonia | 7,479 m² | 1 · 237 m² | - |
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.
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a GLOW
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BE 0794.660.226
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CASAGRANDE
BE 0676.535.606
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ART UP ARCHITECTE-ARCHITECTENBU
BE 0890.476.430
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LUMO architecten
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Of 18,252 companies in sector 71111 we hold annual accounts for 6,319. 4,758 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-09-2020
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:b.mioli@hotmail.com
Phone:+32498262812