RALPH PALOTAS ARCHITEKTENBURO
ActiveRALPH PALOTAS ARCHITEKTENBURO has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €91k and a net result of €17k. Equity is growing by ~6.5% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+4
Solvency91▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.52 against 2.28 in 2024; short-term debt: 22.6% and cash: 36.5% of total assets), and 34.2% 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+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 →
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
65.8%
Return on assets
12.5%
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 09-02-2026, 172 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
172 d early
2024
139 d early
2023
167 d early
2022
119 d early
2021
18 d early
2020
23 d early
2019
20 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, unclassified schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€17k▲ 51.3%
2024 · €12k
2018: €8k
2019: €13k
2020: €16k
2021: €15k
2022: €26k
2023: €-4k
2024: €12k
2018 → 2025
Working capital
€48k▼ 2.7%
2024 · €49k
2018: €47k
2019: €58k
2020: €68k
2021: €73k
2022: €55k
2023: €56k
2024: €49k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€71k-€84k▲ 19.1%€81k▼ 4.2%€80k▼ 1.4%€91k▲ 14.9%
Operating result€21k-€35k▲ 67.3%€-1k€19k€27k▲ 42.5%
Net result€15k-€26k▲ 74.4%€-4k€12k€17k▲ 51.3%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 43% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €139k
Fixed assets
€60k▲ 51.5%
Current assets
€79k▼ 9.6%
Equity and liabilities €139k
Equity
€91k▲ 14.9%
Debt
€48k▲ 0.1%
The debt ratio falls from 37.4% to 34.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€31k▲
2024 · €30k
Cash flow
€22k▼
2024 · €23k
Solvency
65.8%▲
2024 · 62.6%
Current ratio
2.52▲
2024 · 2.28
Quick ratio
2.52▲
2024 · 2.28
Debt / equity
0.52▼
2024 · 0.60
ROE
19.1%▲
2024 · 14.5%
ROA
12.5%▲
2024 · 9.1%
Interest coverage
34.30▼
2024 · 36.33
Debt
€48k▲
2024 · €48k
Debt ≤ 1 year
€31k▼
2024 · €39k
Debt > 1 year
€13k▲
2024 · €6k
Income taxes
€8k▲
2024 · €6k
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€127k€139k▲
Fixed assets21/28€39k€60k▲
Tangible fixed assets22/27€39k€60k▲
Land and buildings22€942€707▼
Furniture and vehicles24€29k€52k▲
Other tangible fixed assets26€10k€7k▼
Current assets29/58€88k€79k▼
Amounts receivable within one year40/41€25k€28k▲
Trade receivables40€22k€27k▲
Other amounts receivable41€3k€770▼
Cash at bank and in hand54/58€62k€51k▼
Deferred charges and accrued income490/1€1k€696▼
Equity and liabilities
Total equity and liabilities10/49€127k€139k▲
Equity10/15€80k€91k▲
Contributions10/11€6k€6k=
Reserves13€44k€55k▲
Distributable reserves133€44k€55k▲
Profit (loss) carried forward14€30k€30k=
Amounts payable17/49€48k€48k▲
Amounts payable after more than one year17€6k€13k▲
Financial debts170/4€6k€13k▲
Amounts payable within one year42/48€39k€31k▼
Current portion of amounts payable after more than one year42€6k€7k▲
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Advances received on contracts in progress46€9k-
Taxes, remuneration and social security45€8k€20k▲
Taxes450/3€8k€20k▲
Other amounts payable47/48€13k€203▼
Accrued charges and deferred income492/3€3k€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€4k▼
Other operating charges640/8€704€5k▲
Gross operating margin9900€31k€37k▲
Operating profit (loss)9901€19k€27k▲
Financial income75/76B€8-
Recurring financial income75€8-
Financial charges65/66B€824€911▲
Recurring financial charges65€824€911▲
Profit (loss) for the period before taxes9903€18k€26k▲
Income taxes67/77€6k€8k▲
Profit (loss) for the period9904€12k€17k▲
Profit (loss) for the period to be appropriated9905€12k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€41k€47k▲
Profit (loss) brought forward from the previous period14P€30k€30k=
Transfer from equity791/2€13k€6k▼
Transfer to equity691/2€12k€17k▲
To other reserves6921€12k€17k▲
Profit to be distributed694/7€13k€6k▼
Return on contributions (dividend)694€13k€6k▼
The notes to these accounts (8 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
09-02
NBB filing
Annual accounts filed
fiscal year 2025 · unclassified schema
2025
14-03
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema
2024
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
15-02
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema
2023
31-12
Financial
Weakest financial yearnet €-4k ▼113%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
03-04
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema
2022
31-12
Financial
Highest result since 2018net €26k ▲74.4%
Operating result €35k, net result €26k, both a record.
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · unclassified schema
2021
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · unclassified schema
2020
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 20 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
05-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Eupen · 1 establishment unit since 2003
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.
Oestrasse 774700 Eupen1 establishment unit
Ralph Palotas Architektenbüro
since 20032.255.802.997
Similar companies · same sector, comparable size
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CENTRAL SOCIETE D’ARCHITECTE
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N.H. CONCEPT-BUREAU D' ARCHITECTURE
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Thomaere Architecten
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Of 18,255 companies in sector 71111 we hold annual accounts for 6,321. 5,475 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-02-2003
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
74201Photography, excluding press photography
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filings
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.