SC Architecte

Active

Private limited companyfounded 20206 yrs activeRue du Hogné 6, 4053 Chaudfontaine, BelgiumKBO/BCE: BE 0747.466.360

SC Architecte has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €51k and a net result of €46k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 21% of 11613 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).

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Checked score

Score 2024

65 / 100

Healthy▼ -28 vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100=

Solvency33▼-67

Growth78=

Stability100

Bankruptcy probability, 12 months

0.6% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €4k at 30 days acceptable

Liquidity tight (current ratio 1.25 against 7.53 in 2023), and 79.2% of the assets are financed with debt.

How do we compute the score and the probability?

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

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 →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

20.8%

Return on assets

18.9%

Age of the figures

20 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 11613 sector peers (2024).

NBB · sector comparison

Position among 11613 sector peers

Solvency

better than 21%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-06-2025, 35 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

not confirmed

2024

35 d early

2023

22 d early

2022

24 d early

2021

4 d early

2020

26 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Turnover

€0

2021 · €0

2021: €0

2021 → 2022

Total assets

€244k▼ 1.4%

2023 · €247k

2020: €52k 2021: €144k 2022: €209k 2023: €247k

2020 → 2024

Net result

€46k▼ 5.5%

2023 · €49k

2020: €33k 2021: €78k 2022: €84k 2023: €49k

2020 → 2024

Working capital

€49k▼ 77.0%

2023 · €213k

2020: €34k 2021: €112k 2022: €193k 2023: €213k

2020 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Turnover€0€0

Equity€36k-€112k▲ 216%€196k▲ 74.0%€215k▲ 9.6%€51k▼ 76.4%

Operating result€45k-€98k▲ 120%€107k▲ 9.2%€65k▼ 39.8%€65k▲ 0.2%

Net result€33k-€78k▲ 139%€84k▲ 8.2%€49k▼ 41.9%€46k▼ 5.5%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2024; 2024 is 0% above 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €244k

99.3%

Fixed assets €2k▲ 20.5%

Current assets €242k▼ 1.6%

Equity and liabilities €244k

20.8%

79.2%

Equity €51k▼ 76.4%

Debt €193k▲ 491%

The debt ratio rises from 13.2% to 79.2%: debt grows while equity shrinks.

Key figures and ratios

2024 value · change against 2023

EBITDA

€66k▼

2023 · €66k

Cash flow

€47k▼

2023 · €50k

Solvency

20.8%▼

2023 · 86.8%

Current ratio

1.25▼

2023 · 7.53

Quick ratio

1.25▼

2023 · 7.53

Debt / equity

3.81▲

2023 · 0.15

ROE

91.0%▲

2023 · 22.8%

ROA

18.9%▼

2023 · 19.8%

Interest coverage

41.95▲

2023 · 38.48

Debt

€193k▲

2023 · €33k

Debt ≤ 1 year

€193k▲

2023 · €33k

Income taxes

€19k▲

2023 · €14k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€247k€244k▼

Fixed assets21/28€1k€2k▲

Tangible fixed assets22/27€1k€2k▲

Plant, machinery and equipment23-€0

Furniture and vehicles24€1k€2k▲

Current assets29/58€246k€242k▼

Amounts receivable within one year40/41€2k€495▼

Trade receivables40€436€492▲

Other amounts receivable41€2k€4▼

Current investments50/53-€0

Cash at bank and in hand54/58€236k€240k▲

Deferred charges and accrued income490/1€8k€2k▼

Equity and liabilities

Total equity and liabilities10/49€247k€244k▼

Equity10/15€215k€51k▼

Contributions10/11€3k€3k=

Reserves13-€46k

Distributable reserves133-€46k

Profit (loss) carried forward14€212k€2k▼

Amounts payable17/49€33k€193k▲

Amounts payable within one year42/48€33k€193k▲

Current portion of amounts payable after more than one year42€0€0=

Trade debts44€6k€727▼

Suppliers440/4€6k€727▼

Taxes, remuneration and social security45€16k€44k▲

Taxes450/3€16k€44k▲

Remuneration and social security454/9€0€0=

Other amounts payable47/48€11k€148k▲

Accrued charges and deferred income492/3€0€12▲

Income statement Code20232024

Remuneration, social security and pensions62€0-

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€849▼

Other operating charges640/8€1k€899▼

Gross operating margin9900€67k€66k▼

Operating profit (loss)9901€65k€65k▲

Financial income75/76B-€2k

Recurring financial income75-€2k

Financial charges65/66B€2k€2k▼

Recurring financial charges65€2k€2k▼

Profit (loss) for the period before taxes9903€63k€65k▲

Income taxes67/77€14k€19k▲

Profit (loss) for the period9904€49k€46k▼

Profit (loss) for the period to be appropriated9905€49k€46k▼

Appropriation of the result

Profit (loss) to be appropriated9906€242k€258k▲

Profit (loss) brought forward from the previous period14P€193k€212k▲

Transfer to equity691/2-€46k

To other reserves6921-€46k

Profit to be distributed694/7€30k€210k▲

Return on contributions (dividend)694€30k€210k▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 10Financial 5Filings 5

2025

26-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

09-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Equity above €200kEq €215k ▲9.6%

4 profitable years in a row build equity to €215k.

07-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Highest result since 2020net €84k ▲8.2%

Operating result €107k, net result €84k, both a record.

31-12

Financial Liquidity triplescurrent ratio 15.73

Current ratio from 4.55 to 15.73; short-term debt falls from €31k to €13k.

31-12

Financial Equity above €150kEq €196k ▲74%

3 profitable years in a row build equity to €196k.

27-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

31-12

Financial Equity above €100kEq €112k ▲216%

2 profitable years in a row build equity to €112k.

26-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 26 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, Chaudfontaine · 1 establishment unit since 2020

establishment The establishment unit on the map

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.

Rue du Hogné 64053 Chaudfontaine

Ground area

899 m²

Building footprint

144 m²

Volume, LiDAR

727 m³

Parcel 62030C0064/00D000, Wallonia · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

SC Architecte

Rue du Hogné 6, 4053 ChaudfontaineActivities of building architects

since 20202.302.923.025

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62030C0064/00D000	Wallonia	899 m²	1 · 143 m²	7.0 m · 2 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.

Similar companies · same sector, comparable size

DELARBRE ARCHITECTES

BE 1008.954.309

Comblain-au-Pont · Eq €51k

ARCHITECT TOM NOTEBAERT

BE 0691.859.824

Halle · Eq €51k

ATELIER D'ARCHITECTURE PONCELET

BE 0781.659.553

Erquelinnes · Eq €51k

Of 18,208 companies in sector 71111 we hold annual accounts for 6,291. 5,314 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded19-05-2020

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 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.