PIET CNOPS ARCHITECT
ActivePIET CNOPS ARCHITECT has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33k and a net result of €1k. Equity is shrinking by ~5.1% per year across the filed fiscal years. Its solvency ranks better than 58% of 9438 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
78
/ 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
Profitability51▼-30
Solvency88▲+8
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 2.97 against 2.35 in 2024; short-term debt: 33.4% and cash: 89.8% of total assets), and 37.2% 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○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 · 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
62.8%
Return on assets
2.5%
Age of the figures
9 mo
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
1819202122232425
2018 to 2025 · latest year €33k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
30 d late
2022
30 d late
2021
152 d late
2020
31 d late
2019
112 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€33k▲ 1.4%
2024 · €32k
2018: €48k
2019: €42k
2020: €27k
2021: €16k
2022: €15k
2023: €27k
2024: €32k
2018 → 2025
Total assets
€52k▼ 11.5%
2024 · €59k
2018: €60k
2019: €51k
2020: €31k
2021: €23k
2022: €18k
2023: €39k
2024: €59k
2018 → 2025
Net result
€1k▼ 78.1%
2024 · €6k
2018: €5k
2019: €-6k
2020: €-15k
2021: €-11k
2022: €-1k
2023: €28k
2024: €6k
2018 → 2025
Working capital
€34k▲ 3.1%
2024 · €33k
2018: €41k
2019: €39k
2020: €25k
2021: €16k
2022: €16k
2023: €28k
2024: €33k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€16k-€15k▼ 7.8%€27k▲ 83.9%€32k▲ 18.5%€33k▲ 1.4%
Operating result€-11k-€-1k▲ 87.8%€31k€10k▼ 67.0%€3k▼ 66.1%
Net result€-11k-€-1k▲ 88.4%€28k€6k▼ 79.0%€1k▼ 78.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 66% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €52k
Fixed assets
€418▼ 58.1%
Current assets
€52k▼ 10.7%
Equity and liabilities €52k
Equity
€33k▲ 1.4%
Debt
€19k▼ 27.2%
The debt ratio falls from 45.2% to 37.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€4k▼
2024 · €11k
Cash flow
€2k▼
2024 · €6k
Solvency
62.8%▲
2024 · 54.8%
Current ratio
2.97▲
2024 · 2.35
Quick ratio
2.97▲
2024 · 2.35
Debt / equity
0.59▼
2024 · 0.83
ROE
3.9%▼
2024 · 18.2%
ROA
2.5%▼
2024 · 10.0%
Interest coverage
3.51▼
2024 · 11.02
Debt
€19k▼
2024 · €27k
Debt ≤ 1 year
€17k▼
2024 · €25k
Income taxes
€1k▼
2024 · €3k
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€59k€52k▼
Fixed assets21/28€999€418▼
Tangible fixed assets22/27€999€418▼
Plant, machinery and equipment23€831€398▼
Furniture and vehicles24€169€20▼
Current assets29/58€58k€52k▼
Amounts receivable within one year40/41€3k€5k▲
Trade receivables40€2k€896▼
Other amounts receivable41€692€4k▲
Cash at bank and in hand54/58€55k€47k▼
Equity and liabilities
Total equity and liabilities10/49€59k€52k▼
Equity10/15€32k€33k▲
Contributions10/11€4k€4k=
Reserves13€28k€29k▲
Distributable reserves133€28k€29k▲
Profit (loss) carried forward14€16€18▲
Amounts payable17/49€27k€19k▼
Amounts payable within one year42/48€25k€17k▼
Trade debts44€0€3k▲
Suppliers440/4€0€3k▲
Taxes, remuneration and social security45€9k€2k▼
Taxes450/3€9k€2k▼
Other amounts payable47/48€16k€12k▼
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€620€581▼
Other operating charges640/8€204€610▲
Gross operating margin9900€11k€5k▼
Operating profit (loss)9901€10k€3k▼
Financial charges65/66B€984€1k▲
Recurring financial charges65€984€1k▲
Profit (loss) for the period before taxes9903€9k€2k▼
Income taxes67/77€3k€1k▼
Profit (loss) for the period9904€6k€1k▼
Profit (loss) for the period to be appropriated9905€6k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€6k€1k▼
Profit (loss) brought forward from the previous period14P€11€16▲
Transfer to equity691/2€5k€450▼
To other reserves6921€5k€450▼
Profit to be distributed694/7€833€833=
Return on contributions (dividend)694€833€833=
The notes to these accounts (10 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Back to profitnet €28k
Net result €28k after 4 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 14.44
Current ratio from 4.19 to 14.44; short-term debt falls from €5k to €1k.
30-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 152 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-15k
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 15.33
Current ratio from 6.20 to 15.33; short-term debt falls from €8k to €2k.
20-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 112 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
11-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
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, Gent
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.
Vaderlandstraat 369000 GentGround area
212 m²
Building footprint
77 m²
Volume, LiDAR
896 m³
Parcel 44808H0097/00M002, Flanders · tallest building 14.7 m, ±4 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44808H0097/00M002 | Flanders | 212 m² | 1 · 77 m² | 14.7 m · 4 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
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KADERSTUDIO architectural strategies
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BUREAU D'ARCHITECTURE-COORDINATION-AUDITS & EXPERTISES CHRISTOPHE GUERLEMENT
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Of 18,255 companies in sector 71111 we hold annual accounts for 6,321. 5,005 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-01-2002
Fiscal year end31-12
Abbreviation NL
PCA
Activities, NACEBEL
71111Activities of building architects
74201Photography, excluding press photography
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.