NARGO ARCHITECTS
ActiveNARGO ARCHITECTS has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €116k and a net result of €6k. Equity is growing by ~19.2% per year across the filed fiscal years. Its solvency ranks better than 32% of 1994 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability41▼-12
Solvency55▲+3
Growth52=
Track record94
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.04 against 1.25 in 2024; short-term debt: 13.4% and cash: 0.6% of total assets), and 69.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
30.1%
Return on assets
1.6%
Age of the figures
15 mo
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 30-01-2026, 1 day ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
1 d early
2022
on the day
← 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 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€116k▲ 5.4%
2024 · €110k
2022: €31k
2023: €98k
2024: €110k
2022 → 2025
Total assets
€385k▼ 6.3%
2024 · €410k
2022: €343k
2023: €407k
2024: €410k
2022 → 2025
Net result
€6k▼ 49.4%
2024 · €12k
2022: €24k
2023: €67k
2024: €12k
2022 → 2025
Working capital
€2k▼ 86.6%
2024 · €16k
2022: €-23k
2023: €23k
2024: €16k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€31k-€98k▲ 213%€110k▲ 12.1%€116k▲ 5.4%
Operating result€34k-€5k▼ 85.3%€20k▲ 298%€13k▼ 36.3%
Net result€24k-€67k▲ 179%€12k▼ 82.2%€6k▼ 49.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 36% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €385k
Fixed assets
€331k▲ 0.2%
Current assets
€54k▼ 32.9%
Equity and liabilities €385k
Equity
€116k▲ 5.4%
Debt
€269k▼ 10.5%
The debt ratio falls from 73.2% to 69.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€13k▼
2024 · €21k
Cash flow
€6k▼
2024 · €12k
Solvency
30.1%▲
2024 · 26.8%
Current ratio
1.04▼
2024 · 1.25
Quick ratio
1.04▼
2024 · 1.25
Debt / equity
2.32▼
2024 · 2.73
ROE
5.2%▼
2024 · 10.8%
ROA
1.6%▼
2024 · 2.9%
Interest coverage
2.40▼
2024 · 3.67
Debt
€269k▼
2024 · €300k
Debt ≤ 1 year
€52k▼
2024 · €64k
Debt > 1 year
€208k▼
2024 · €229k
Income taxes
€2k▼
2024 · €4k
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€410k€385k▼
Fixed assets21/28€330k€331k▲
Tangible fixed assets22/27€49€779▲
Furniture and vehicles24€49€779▲
Financial fixed assets28€330k€330k=
Current assets29/58€80k€54k▼
Amounts receivable after more than one year29€43k€43k=
Other amounts receivable291€43k€43k=
Amounts receivable within one year40/41€33k€8k▼
Trade receivables40€33k€7k▼
Other amounts receivable41-€1k
Cash at bank and in hand54/58€4k€2k▼
Deferred charges and accrued income490/1€1k€1k=
Equity and liabilities
Total equity and liabilities10/49€410k€385k▼
Equity10/15€110k€116k▲
Contributions10/11€8k€8k=
Reserves13€102k€108k▲
Distributable reserves133€102k€108k▲
Amounts payable17/49€300k€269k▼
Amounts payable after more than one year17€229k€208k▼
Financial debts170/4€229k€208k▼
Amounts payable within one year42/48€64k€52k▼
Current portion of amounts payable after more than one year42€21k€22k▲
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€31k€13k▼
Taxes450/3€9k€7k▼
Remuneration and social security454/9€23k€6k▼
Other amounts payable47/48€9k€13k▲
Accrued charges and deferred income492/3€7k€9k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€541€274▼
Other operating charges640/8€470€747▲
Gross operating margin9900€21k€14k▼
Operating profit (loss)9901€20k€13k▼
Financial income75/76B€1k€1k=
Recurring financial income75€1k€1k=
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€15k€8k▼
Income taxes67/77€4k€2k▼
Profit (loss) for the period9904€12k€6k▼
Profit (loss) for the period to be appropriated9905€12k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€6k▼
Transfer to equity691/2€12k€6k▼
To other reserves6921€12k€6k▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (20 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Weakest financial yearnet €6k ▼49.4%
Net result drops to €6k, the lowest in the series.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Equity above €100kEq €110k ▲12.1%
3 profitable years in a row build equity to €110k.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Highest result since 2022net €67k ▲179%
Net result €67k, the highest in the series.
30-06
Financial
Liquidity quadruplescurrent ratio 1.42
Current ratio from 0.35 to 1.42.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Halle · 1 establishment unit since 2021
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.
Basiliekstraat 1351500 HalleGround area
146 m²
Building footprint
98 m²
Volume, LiDAR
1,237 m³
Parcel 23413H0089/00V003, Flanders · tallest building 19.0 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
NARGO ARCHITECTS
since 20212.317.952.778
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23413H0089/00V003 | Flanders | 146 m² | 1 · 98 m² | 19.0 m · 5 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.
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3LINE ARCHITECTEN
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Of 18,254 companies in sector 71111 we hold annual accounts for 6,321. 5,440 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-03-2021
Fiscal year end30-06
Activities, NACEBEL
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.