Checked.be
Active
BE 0769.412.413Private limited company
OL Archi
Rue du Chalet, Châtillon 8 ·6747 Saint-Léger (Lux.), Belgium· 5 yrs active
Sector: Activities of building architects
(71111)
Conclusion
OL Archi has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €103k and a net result of €18k. Equity is growing by ~27.2% per year across the filed fiscal years. Its solvency ranks better than 32% of 9197 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Based on the State Gazette, CBE and 4 annual accounts.
Key figures
| Equity | €103k |
| Net result | €18k |
| Better than sector | 32% |
| Active | 5 yrs |
Financial profile
67
/ 100
Strong profile, led by stability.
All 5 axes are computed from data Checked has read.
Health
56
Profitability
89
Solvency
43
Growth
52
Stability
94
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
More than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
56
/ 100
Fair
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€6k
estimate, not credit advice
Score history
51
2022
43
2023
53
2024
56
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 0.46 (< 1.0)
-10
Quick ratio
Quick ratio 0.46 (< 0.6)
-5
Leverage
Debt/equity 1.90 (< 2.0)
+3
Profitability
ROE 18% (≥ 10%)
+10
Interest coverage
Interest coverage 58.1× (≥ 3×)
+8
Profit trend
Net profit down YoY
-3
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 09-12-2025 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~27.2%/year over 4 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 71, Architectural and engineering activities; technical testing and analysis · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 34.5% | 54.7% | |
| Net result | €18k | €17k | |
| Equity | €103k | €67k | |
| Gross operating margin | €44k | €40k | |
| Staff costs | €2k | €33k |
€112k
-
22-25
€41k
-3.1%
22-25
€18k
-8.5%
22-25
€33k
-1.7%
22-25
€298k
+3.0%
22-25
€103k
+21.7%
22-25
€-101k
-5.4%
22-25
€2k
0.0%
22-25
€8k
-6.6%
22-25
€195k
-4.7%
22-25
€187k
-2.8%
22-25
€8k
-35.1%
22-25
0.46
-8.5%
22-25
0.46
-8.5%
22-25
34.5%
+18.2%
22-25
1.90
-21.7%
22-25
17.8%
-24.8%
22-25
6.2%
-11.2%
22-25
28.2%
-
22-25
54.0%
-
22-25
58.07
+20.0%
22-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | full schema |
| Revenue | - | - | - | €112k |
| EBITDA | €41k | €43k | €39k | €60k |
| Net profit | €18k | €20k | €23k | €32k |
| Cash flow | €33k | €33k | €30k | €48k |
| Staff costs | €2k | €2k | €2k | €2k |
| Income taxes | €8k | €8k | €9k | €12k |
| Dividends | - | - | - | - |
| Total assets | €298k | €289k | €270k | €220k |
| Equity | €103k | €84k | €64k | €42k |
| Debt | €195k | €205k | €205k | €178k |
| of which ≤ 1y | €187k | €192k | €188k | €178k |
| of which > 1y | €8k | €13k | €17k | - |
| Working capital | €-101k | €-96k | €-125k | €-142k |
| Employees (FTE) | - | - | - | - |
Note: these years are not on the same basis. The filed schemas differ (micro schema, full schema), so the columns are not directly comparable.
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Current ratio | 0.46 | 0.50 | 0.33 | 0.20 |
| Quick ratio | 0.46 | 0.50 | 0.33 | 0.20 |
| Working capital ratio | -34.1% | -33.3% | -46.5% | -64.6% |
| Solvency | 34.5% | 29.2% | 23.9% | 18.9% |
| Debt / equity | 1.90 | 2.43 | 3.19 | 4.28 |
| Long-term debt ratio | 0.08 | 0.15 | 0.26 | - |
| Interest coverage | 58.07 | 48.40 | 116.15 | 2370.60 |
| Gross margin | - | - | - | 56.6% |
| Net margin | - | - | - | 28.2% |
| ROA | 6.2% | 6.9% | 8.4% | 14.4% |
| ROE | 17.8% | 23.7% | 35.4% | 75.9% |
| EBITDA margin | - | - | - | 54.0% |
| Days sales outstanding | - | - | - | - |
| Days payable outstanding | - | - | - | 1d |
| Inventory turnover | - | - | - | - |
| Days inventory (DSI) | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet, Assets | |||||
| TOTAL ASSETS | 20/58 | €298k | €289k | €270k | €220k |
| Fixed assets | 21/28 | €213k | €193k | €207k | €184k |
| Tangible fixed assets | 22/27 | €212k | €193k | €207k | €183k |
| Financial fixed assets | 28 | €175 | €175 | €175 | €175 |
| Current assets | 29/58 | €85k | €96k | €63k | €36k |
| Amounts receivable within one year | 40/41 | €8k | €9k | €10k | - |
| Cash & bank | 54/58 | €74k | €85k | €51k | €15k |
| Balance sheet, Equity & liabilities | |||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €298k | €289k | €270k | €220k |
| Equity | 10/15 | €103k | €84k | €64k | €42k |
| Contributions / capital | 10/11 | €10k | €10k | €10k | €10k |
| Reserves | 13 | €93k | €74k | €54k | €32k |
| Amounts payable | 17/49 | €195k | €205k | €205k | €178k |
| Amounts payable after one year | 17 | €8k | €13k | €17k | - |
| Amounts payable within one year | 42/48 | €187k | €192k | €188k | €178k |
| Trade debts payable within one year | 44 | €677 | €1k | €383 | €178 |
| Income statement | |||||
| Turnover | 70 | - | - | - | €112k |
| Gross operating margin | 9900 | €44k | €46k | €42k | €63k |
| Operating result | 9901 | €27k | €29k | €32k | €44k |
| Financial income | 75 | - | - | €0 | €0 |
| Financial charges | 65 | €711 | €880 | €338 | €26 |
| Result before taxes | 9903 | €26k | €28k | €31k | €44k |
| Income taxes | 67/77 | €8k | €8k | €9k | €12k |
| Net result for the period | 9904 | €18k | €20k | €23k | €32k |
| Result to be appropriated | 9905 | €18k | €20k | €23k | €32k |
Legal Structure
| NACE primary | Activities of building architects(71111) |
| Legal form | Private limited company(610) |
| Incorporation | 07-06-2021 |
| Status | Active |
| Postal code | 6747 |
Establishment units
Rue du Chalet, Châtillon 8, 6747 Saint-Léger (Lux.)
since 20212.318.671.469
Real-estate footprint
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 85006B0032/00D000 | Wallonia | 927 m² | 1 · 95 m² | 9.4 m · 2 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2025
09-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Weakest financial yearnet €18k ▼8.5%
Net result drops to €18k, the lowest in the series.
30-06
Financial
Equity above €100kEq €103k ▲21.7%
4 profitable years in a row build equity to €103k.
2024
05-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
26-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
09-01
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Activities of building architects71111Renting and operating of own or leased residential real estate, excluding social housing68201Urban planning and landscape architecture71113
Names & trade names
| Legal nameFR | OL Archi |
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