SDW ARCHITECT
ActiveSDW ARCHITECT has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €48k and a net result of €9k. Equity is growing by ~6% per year across the filed fiscal years. Its solvency ranks better than 83% of 11613 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
86
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability88=
Solvency100▲+9
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 6.14 against 2.92 in 2023; short-term debt: 16.2% and cash: 20.6% of total assets), and 16.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-07-2025, 0 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
on the day
2023
16 d early
2022
4 d early
2021
31 d early
2020
18 d early
2019
1 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€48k▲ 21.8%
2023 · €39k
2018: €29k
2019: €52k
2020: €59k
2021: €22k
2022: €30k
2023: €39k
2018 → 2024
Total assets
€57k▼ 3.6%
2023 · €59k
2018: €46k
2019: €78k
2020: €98k
2021: €109k
2022: €64k
2023: €59k
2018 → 2024
Net result
€9k▼ 7.9%
2023 · €9k
2018: €19k
2019: €31k
2020: €7k
2021: €6k
2022: €8k
2023: €9k
2018 → 2024
Working capital
€48k▲ 24.0%
2023 · €38k
2018: €29k
2019: €54k
2020: €54k
2021: €16k
2022: €27k
2023: €38k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€59k-€22k▼ 63.2%€30k▲ 38.9%€39k▲ 31.1%€48k▲ 21.8%
Operating result€8k-€7k▼ 3.6%€11k▲ 51.8%€11k▼ 0.8%€12k▲ 3.9%
Net result€7k-€6k▼ 16.9%€8k▲ 46.9%€9k▲ 11.1%€9k▼ 7.9%
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 4% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €57k
Fixed assets
€224▼ 74.3%
Current assets
€57k▼ 2.6%
Equity and liabilities €57k
Equity
€48k▲ 21.8%
Debt
€9k▼ 53.7%
The debt ratio falls from 33.7% to 16.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€12k▼
2023 · €13k
Cash flow
€9k▼
2023 · €11k
Solvency
83.8%▲
2023 · 66.3%
Current ratio
6.14▲
2023 · 2.92
Quick ratio
6.14▲
2023 · 2.92
Debt / equity
0.19▼
2023 · 0.51
ROE
17.9%▼
2023 · 23.7%
ROA
15.0%▼
2023 · 15.7%
Interest coverage
35.81▼
2023 · 39.82
Debt
€9k▼
2023 · €20k
Debt ≤ 1 year
€9k▼
2023 · €20k
Income taxes
€4k▲
2023 · €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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€59k€57k▼
Fixed assets21/28€873€224▼
Intangible fixed assets21€1€1=
Tangible fixed assets22/27€872€223▼
Furniture and vehicles24€872€223▼
Current assets29/58€58k€57k▼
Amounts receivable after more than one year29€34k€32k▼
Other amounts receivable291€34k€32k▼
Amounts receivable within one year40/41€9k€13k▲
Trade receivables40€7k€5k▼
Other amounts receivable41€2k€8k▲
Cash at bank and in hand54/58€16k€12k▼
Deferred charges and accrued income490/1€48-
Equity and liabilities
Total equity and liabilities10/49€59k€57k▼
Equity10/15€39k€48k▲
Contributions10/11€19k€19k=
Reserves13€2k€10k▲
Distributable reserves133€2k€10k▲
Profit (loss) carried forward14€19k€19k=
Amounts payable17/49€20k€9k▼
Amounts payable within one year42/48€20k€9k▼
Financial debts43€133€695▲
Credit institutions430/8€133€695▲
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€11k€7k▼
Taxes450/3€11k€7k▼
Other amounts payable47/48€7k-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€648▼
Other operating charges640/8€743€387▼
Gross operating margin9900€14k€13k▼
Operating profit (loss)9901€11k€12k▲
Financial income75/76B€974€1k▲
Recurring financial income75€974€1k▲
Financial charges65/66B€329€343▲
Recurring financial charges65€329€343▲
Profit (loss) for the period before taxes9903€12k€12k▲
Income taxes67/77€3k€4k▲
Profit (loss) for the period9904€9k€9k▼
Profit (loss) for the period to be appropriated9905€9k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€27k▲
Profit (loss) brought forward from the previous period14P€9k€19k▲
Transfer to equity691/2-€9k
To other reserves6921-€9k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 6.14
Current ratio from 2.92 to 6.14; short-term debt falls from €20k to €9k.
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €6k ▼16.9%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €31k ▲59.6%
Operating result €36k, net result €31k, both a record.
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro 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, Elsene · 1 establishment unit since 2018
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.
Generaal Jacqueslaan 1011050 ElseneGround area
147 m²
Building footprint
88 m²
Volume, LiDAR
1,362 m³
Parcel 21445C0249/00Y011, Brussels · tallest building 20.4 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
SDW ARCHITECT
since 20182.273.444.230
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21445C0249/00Y011 | Brussels | 147 m² | 1 · 87 m² | 20.4 m · 6 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
STUTOU
BE 0753.579.043
Wevelgem · Eq €48k
MAARTEN WILLE ARCHITECT
BE 0898.466.161
Aalst · Eq €48k
Atelier d'Architecture Ad'A - architectes associés
BE 0436.137.041
Yvoir · Eq €48k
MT-architecten
BE 0896.165.776
Sint-Niklaas · Eq €48k
BUREAU D'ARCHITECTURE PARADA JAVIER
BE 0879.134.556
Verviers · Eq €48k
Of 18,249 companies in sector 71111 we hold annual accounts for 6,319. 5,305 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-02-2018
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.