STEELANDT.DECLERCQ ARCHITECTEN
ActiveSummary
STEELANDT.DECLERCQ ARCHITECTEN has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €42k and a net result of €13k. Equity is growing by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 36% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+20
Solvency64▲+9
Growth52▲+20
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.17 against 1.64 in 2024; short-term debt: 28.9% and cash: 55.2% of total assets), but 60.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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
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
39.3%
Return on assets
12.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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 · 6 filingsDeviation from the deadline
2025
20 d late
2024
22 d late
2023
34 d early
2022
17 d early
2021
13 d early
2020
31 d late
← 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
€42k▲ 46.4%
2024 · €29k
2020: €30k
2021: €35k
2022: €41k
2023: €33k
2024: €29k
2020 → 2025
Total assets
€108k▲ 10.0%
2024 · €98k
2020: €175k
2021: €195k
2022: €152k
2023: €125k
2024: €98k
2020 → 2025
Net result
€13k
2024 · €-4k
2020: €40k
2021: €5k
2022: €27k
2023: €-9k
2024: €-4k
2020 → 2025
Working capital
€37k▲ 112%
2024 · €17k
2020: €17k
2021: €21k
2022: €24k
2023: €18k
2024: €17k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€35k-€41k▲ 19.2%€33k▼ 20.8%€29k▼ 11.3%€42k▲ 46.4%
Operating result€7k-€29k▲ 331%€-8k€-4k▲ 50.5%€14k
Net result€5k-€27k▲ 482%€-9k€-4k▲ 56.8%€13k
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: €14k after a loss of €4k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €108k
Fixed assets
€40k ▼ 25.4%
Current assets
€68k ▲ 52.9%
Equity and liabilities €108k
Equity
€42k ▲ 46.4%
Debt
€66k ▼ 5.3%
Debt's share of the balance-sheet total falls from 70.5% to 60.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€27k▲
2024 · €12k
Cash flow
€27k▲
2024 · €12k
Current ratio
2.17▲
2024 · 1.64
Debt to equity
1.55▼
2024 · 2.39
ROE
31.7%▲
2024 · -12.7%
ROA
12.4%▲
2024 · -3.8%
Interest coverage
39.13▲
2024 · 14.59
Debt ≤ 1 year
€31k▲
2024 · €27k
Debt > 1 year
€31k▼
2024 · €42k
Income taxes
€552
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€98k€108k▲
Fixed assets21/28€54k€40k▼
Intangible fixed assets21€3k€2k▼
Tangible fixed assets22/27€50k€39k▼
Furniture and vehicles24€4k€2k▼
Other tangible fixed assets26€47k€37k▼
Current assets29/58€44k€68k▲
Stocks and contracts in progress3€0-
Contracts in progress37€0-
Amounts receivable within one year40/41€30k€8k▼
Trade receivables40€26k€6k▼
Other amounts receivable41€4k€1k▼
Cash at bank and in hand54/58€9k€60k▲
Deferred charges and accrued income490/1€5k€725▼
Equity and liabilities
Total equity and liabilities10/49€98k€108k▲
Equity10/15€29k€42k▲
Contributions10/11€5k€5k=
Reserves13€24k€37k▲
Distributable reserves133€24k€37k▲
Amounts payable17/49€69k€66k▼
Amounts payable after more than one year17€42k€31k▼
Financial debts170/4€42k€31k▼
Amounts payable within one year42/48€27k€31k▲
Current portion of amounts payable after more than one year42€11k€11k▲
Trade debts44€4k€1k▼
Suppliers440/4€4k€1k▼
Taxes, remuneration and social security45€13k€19k▲
Taxes450/3€13k€19k▲
Accrued charges and deferred income492/3€304€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€14k▼
Other operating charges640/8€577€593▲
Gross operating margin9900€12k€28k▲
Operating profit (loss)9901€-4k€14k▲
Financial income75/76B€930€1k▲
Recurring financial income75€930€1k▲
Financial charges65/66B€797€698▼
Recurring financial charges65€797€698▼
Profit (loss) for the period before taxes9903€-4k€14k▲
Income taxes67/77-€552
Profit (loss) for the period9904€-4k€13k▲
Profit (loss) for the period to be appropriated9905€-4k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€13k▲
Transfer from equity791/2€4k€0▼
Transfer to equity691/2-€13k
To other reserves6921-€13k
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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
31-12
Financial
Back to profitnet €13k
Net result €13k after 2 loss-making years.
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-9k ▼132%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · 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, Oostende · 1 establishment unit since 2019
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.
Veerbootstraat 88400 OostendeGround area
3,145 m²
Building footprint
415 m²
Volume, LiDAR
1,927 m³
Parcel 35013A1630/00D006, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STEELANDT.DECLERCQ ARCHITECTEN
since 20192.293.393.170
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35013A1630/00D006 | Flanders | 3,144 m² | 1 · 415 m² | 7.2 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 747 EUR awarded · 747 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 0 EUR | 75 EUR |
| 2023 | 1 | 75 EUR | 0 EUR |
| 2022 | 1 | 672 EUR | 672 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
X10A
BE 0700.785.507
Neupré · Eq €42,568
TAM PROJECT
BE 0715.802.986
Genappe · Eq €42,238
Studio Penelope
BE 0466.621.567
Antwerpen · Eq €42,213
SN Studio
BE 1012.561.422
Tongeren-Borgloon · Eq €42,617
LENTO INTERIORS
BE 0820.059.180
Antwerpen · Eq €42,143
Of 3,920 companies in sector 71112 we hold annual accounts for 1,295. 1,067 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
Founded02-09-2019
Fiscal year end31-12
Activities, NACEBEL 2025
71112Activities of interior architects
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.sdarchitecten.be
E-mail:info@sdarchitecten.be