STEPHANE MINCKE, Architecte
ActiveSTEPHANE MINCKE, Architecte has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €200k and a net result of €15k. Equity is growing by ~13.9% per year across the filed fiscal years. Its solvency ranks better than 85% of 9450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 5.47 against 5.8 in 2024; short-term debt: 14.1% and cash: 21.4% of total assets), and 14.1% 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
85.9%
Return on assets
6.5%
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 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
42 d early
2023
27 d late
2022
49 d early
2021
23 d early
2020
46 d early
2019
29 d early
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€200k▲ 8.2%
2024 · €185k
2018: €77k
2019: €80k
2020: €94k
2021: €130k
2022: €143k
2023: €171k
2024: €185k
2018 → 2025
Total assets
€233k▲ 11.6%
2024 · €209k
2018: €155k
2019: €134k
2020: €141k
2021: €162k
2022: €174k
2023: €203k
2024: €209k
2018 → 2025
Net result
€15k▲ 10.6%
2024 · €14k
2018: €2k
2019: €3k
2020: €14k
2021: €36k
2022: €13k
2023: €28k
2024: €14k
2018 → 2025
Working capital
€147k▲ 28.2%
2024 · €114k
2018: €54k
2019: €55k
2020: €71k
2021: €115k
2022: €137k
2023: €166k
2024: €114k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€130k-€143k▲ 9.9%€171k▲ 19.9%€185k▲ 8.1%€200k▲ 8.2%
Operating result€48k-€21k▼ 55.4%€41k▲ 91.8%€19k▼ 53.0%€23k▲ 17.1%
Net result€36k-€13k▼ 64.6%€28k▲ 121%€14k▼ 51.5%€15k▲ 10.6%
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 2025; 2025 is 17% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €233k
Fixed assets
€54k▼ 24.0%
Current assets
€179k▲ 29.8%
Equity and liabilities €233k
Equity
€200k▲ 8.2%
Debt
€33k▲ 37.5%
The debt ratio rises from 11.4% to 14.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€40k▲
2024 · €33k
Cash flow
€32k▲
2024 · €27k
Solvency
85.9%▼
2024 · 88.6%
Current ratio
5.47▼
2024 · 5.80
Quick ratio
5.47▼
2024 · 5.80
Debt / equity
0.16▲
2024 · 0.13
ROE
7.6%▲
2024 · 7.5%
ROA
6.5%▼
2024 · 6.6%
Interest coverage
168.02▲
2024 · 95.99
Debt
€33k▲
2024 · €24k
Debt ≤ 1 year
€33k▲
2024 · €24k
Income taxes
€7k▲
2024 · €5k
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€209k€233k▲
Fixed assets21/28€71k€54k▼
Tangible fixed assets22/27€71k€54k▼
Furniture and vehicles24€71k€54k▼
Current assets29/58€138k€179k▲
Amounts receivable within one year40/41€62k€72k▲
Trade receivables40€60k€67k▲
Other amounts receivable41€2k€6k▲
Current investments50/53-€50k
Cash at bank and in hand54/58€71k€50k▼
Deferred charges and accrued income490/1€5k€7k▲
Equity and liabilities
Total equity and liabilities10/49€209k€233k▲
Equity10/15€185k€200k▲
Contributions10/11€12k€12k=
Reserves13€136k€151k▲
Distributable reserves133€136k€151k▲
Profit (loss) carried forward14€37k€37k=
Amounts payable17/49€24k€33k▲
Amounts payable within one year42/48€24k€33k▲
Trade debts44€12k€10k▼
Suppliers440/4€12k€10k▼
Taxes, remuneration and social security45€12k€23k▲
Taxes450/3€12k€20k▲
Remuneration and social security454/9-€3k
Other amounts payable47/48-€19
Income statement
Code20242025
Remuneration, social security and pensions62€237-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€17k▲
Other operating charges640/8€627€646▲
Gross operating margin9900€34k€40k▲
Operating profit (loss)9901€19k€23k▲
Financial income75/76B€0€105▲
Recurring financial income75€0€105▲
Financial charges65/66B€341€235▼
Recurring financial charges65€341€235▼
Profit (loss) for the period before taxes9903€19k€22k▲
Income taxes67/77€5k€7k▲
Profit (loss) for the period9904€14k€15k▲
Profit (loss) for the period to be appropriated9905€14k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€50k€52k▲
Profit (loss) brought forward from the previous period14P€37k€37k=
Transfer to equity691/2€14k€15k▲
To other reserves6921€14k€15k▲
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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €200kEq €200k ▲8.2%
8 profitable years in a row build equity to €200k.
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Equity above €150kEq €171k ▲19.9%
6 profitable years in a row build equity to €171k.
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €36k ▲163%
Operating result €48k, net result €36k, both a record.
31-12
Financial
Equity above €100kEq €130k ▲38.6%
4 profitable years in a row build equity to €130k.
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Leuze-en-Hainaut
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 de Condé(L) 387900 Leuze-en-HainautGround area
635 m²
Building footprint
86 m²
Volume, LiDAR
871 m³
Parcel 57048D0362/00K002, Wallonia · tallest building 12.3 m, ±3 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57048D0362/00K002 | Wallonia | 635 m² | 1 · 86 m² | 12.3 m · 3 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
ALIX
BE 0777.631.083
Roosdaal · Eq €200k
AU
BE 0790.539.310
Liège · Eq €200k
dpXm
BE 0788.196.462
Kruisem · Eq €200k
PROgroup BELGIUM
BE 0479.066.865
Brussel · Eq €200k
Vergimmo Reno
BE 0628.971.754
Brasschaat · Eq €200k
Of 18,256 companies in sector 71111 we hold annual accounts for 6,321. 5,135 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-11-2007
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
74201Photography, excluding press photography
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.