Sébastien PETIT, bureau d'architectes
ActiveSummary
Sébastien PETIT, bureau d'architectes has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €58k and a net result of €-6k. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 14% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▲+13
Solvency33=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 2.09 against 1.89 in 2024; short-term debt: 14.8% and cash: 4.2% of total assets), but 91.7% 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
raises risk · 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 2025Solvency, return and age of the figures
Solvency
8.3%
Return on assets
-0.8%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-6k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 9460 sector peers (2025).
NBB · sector comparisonPosition among 9460 sector peers
Solvency
better than 14%
← weakest
strongest →
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
27 d late
2023
20 d late
2022
31 d late
2021
26 d late
2020
27 d late
2019
8 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€58k▼ 8.7%
2024 · €64k
2018: €65k
2019: €65k
2020: €43k
2021: €82k
2022: €70k
2023: €82k
2024: €64k
2018 → 2025
Total assets
€703k▼ 8.7%
2024 · €770k
2018: €211k
2019: €198k
2020: €691k
2021: €751k
2022: €709k
2023: €693k
2024: €770k
2018 → 2025
Net result
€-6k▲ 68.4%
2024 · €-18k
2018: €785
2019: €261
2020: €-22k
2021: €39k
2022: €-12k
2023: €12k
2024: €-18k
2018 → 2025
Working capital
€113k▲ 1.6%
2024 · €111k
2018: €7k
2019: €-2k
2020: €-431k
2021: €136k
2022: €123k
2023: €173k
2024: €111k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€82k-€70k▼ 14.8%€82k▲ 17.1%€64k▼ 21.5%€58k▼ 8.7%
Operating result€57k-€-6k€22k€-8k€3k
Net result€39k-€-12k€12k€-18k€-6k▲ 68.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €3k after a loss of €8k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €703k
Fixed assets
€486k ▼ 8.8%
Current assets
€217k ▼ 8.4%
Equity and liabilities €703k
Equity
€58k ▼ 8.7%
Debt
€644k ▼ 8.7%
Debt's share of the balance-sheet total stays at 91.7%.
Key figures and ratios
EBITDA
€58k▲
2024 · €44k
Cash flow
€49k▲
2024 · €34k
Current ratio
2.09▲
2024 · 1.89
Debt to equity
11.02▼
2024 · 11.03
ROE
-9.5%▲
2024 · -27.4%
ROA
-0.8%▲
2024 · -2.3%
Interest coverage
6.88▲
2024 · 4.66
Debt ≤ 1 year
€104k▼
2024 · €126k
Debt > 1 year
€535k▼
2024 · €580k
Income taxes
€307▼
2024 · €361
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€770k€703k▼
Formation expenses20€0€0=
Fixed assets21/28€533k€486k▼
Intangible fixed assets21€354k€331k▼
Tangible fixed assets22/27€179k€155k▼
Land and buildings22€105k€89k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€72k€60k▼
Other tangible fixed assets26-€6k
Current assets29/58€237k€217k▼
Amounts receivable within one year40/41€182k€187k▲
Trade receivables40€171k€184k▲
Other amounts receivable41€11k€3k▼
Current investments50/53€0-
Cash at bank and in hand54/58€54k€30k▼
Equity and liabilities
Total equity and liabilities10/49€770k€703k▼
Equity10/15€64k€58k▼
Contributions10/11€12k€12k=
Reserves13€14k€14k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€12k€12k=
Profit (loss) carried forward14€38k€32k▼
Amounts payable17/49€706k€644k▼
Amounts payable after more than one year17€580k€535k▼
Financial debts170/4€580k€535k▼
Amounts payable within one year42/48€126k€104k▼
Current portion of amounts payable after more than one year42€42k€42k▼
Trade debts44€46k€4k▼
Suppliers440/4€46k€4k▼
Taxes, remuneration and social security45€37k€53k▲
Taxes450/3€5k€18k▲
Remuneration and social security454/9€32k€35k▲
Other amounts payable47/48€500€5k▲
Accrued charges and deferred income492/3€593€5k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€52k€55k▲
Other operating charges640/8€9k€4k▼
Non-recurring operating charges66A€316-
Gross operating margin9900€53k€62k▲
Operating profit (loss)9901€-8k€3k▲
Financial income75/76B€54-
Recurring financial income75€54-
Financial charges65/66B€9k€8k▼
Recurring financial charges65€9k€8k▼
Profit (loss) for the period before taxes9903€-17k€-5k▲
Income taxes67/77€361€307▼
Profit (loss) for the period9904€-18k€-6k▲
Profit (loss) for the period to be appropriated9905€-18k€-6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€38k€32k▼
Profit (loss) brought forward from the previous period14P€55k€38k▼
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
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Back to profitnet €39k
Net result €39k after one loss-making year.
31-12
Financial
Liquidity times 11current ratio 2.47
Current ratio from 0.23 to 2.47; short-term debt falls from €558k to €92k.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Weakest financial yearnet €-22k ▼8681%
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Sint-Lambrechts-Woluwe · 1 establishment unit since 2011
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.
Meilaan 651200 Sint-Lambrechts-WoluweGround area
688 m²
Building footprint
118 m²
Volume, LiDAR
1,246 m³
Parcel 21673D0074/00K004, Brussels · tallest building 16.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Meilaan 65, 1200 Sint-Lambrechts-Woluwe
since 20112.199.208.942
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21673D0074/00K004 | Brussels | 688 m² | 1 · 118 m² | 16.6 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.
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Of 18,255 companies in sector 71111 we hold annual accounts for 6,321. 5,421 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded06-05-2011
Fiscal year end31-12
Activities, NACEBEL 2025
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.