The Cloud Architect
ActiveSummary
The Cloud Architect has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €195,557 and a net result of €133,776. Equity is growing by ~35.5% per year across the filed fiscal years. Its solvency ranks better than 34% of 20786 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability100▲+8
Solvency70▼-4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15,000 at 30 days acceptable
Liquidity ample (current ratio 1.84 against 2.79 in 2023; short-term debt: 23.7% and cash: 26.1% of total assets), but 54.8% of the assets are financed with debt.
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Signals
Three 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← 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 02-07-2025, 29 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
29 d early
2023
23 d early
2022
31 d late
2021
34 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 14 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
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Financials · fiscal year 2024, micro schema
In the rankings
#9 company by total assets in Holsbeek, Telecoms and IT sector
Equity
€195,557▼ 9.9%
2023 · €216,927
Total assets
€432,886▼ 2.5%
2023 · €444,082
Net result
€133,776▲ 61.9%
2023 · €82,611
Working capital
€85,848▼ 37.2%
2023 · €136,763
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2021202220232024
Operating result€84,316-€94,991▲ 12.7%€107,752▲ 13.4%€117,110▲ 8.7%
Net result€58,781above the sector's middle half-€72,534above the sector's middle half▲ 23.4%€82,611above the sector's middle half▲ 13.9%€133,776above the sector's middle half▲ 61.9%
Equity€61,781within the sector's middle half-€134,315within the sector's middle half▲ 117%€216,927above the sector's middle half▲ 61.5%€195,557above the sector's middle half▼ 9.9%
Total assets€320,426above the sector's middle half-€379,968above the sector's middle half▲ 18.6%€444,082above the sector's middle half▲ 16.9%€432,886above the sector's middle half▼ 2.5%
Debt€258,645-€245,652▼ 5.0%€227,156▼ 7.5%€237,329▲ 4.5%
Working capital€1,984below the sector's middle half-€60,614within the sector's middle half▲ 2,955%€136,763above the sector's middle half▲ 126%€85,848within the sector's middle half▼ 37.2%
Solvency19.3%below the sector's middle half-35.3%within the sector's middle half▲ 16.1pp48.8%within the sector's middle half▲ 13.5pp45.2%within the sector's middle half▼ 3.7pp
Current ratio1.03below the sector's middle half-1.78within the sector's middle half▲ 0.752.79within the sector's middle half▲ 1.011.84within the sector's middle half▼ 0.95
Return on assets (ROA)18.3%within the sector's middle half-19.1%within the sector's middle half▲ 0.7pp18.6%within the sector's middle half▼ 0.5pp30.9%within the sector's middle half▲ 12.3pp
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2024 is 9% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €432,886
Fixed assets
€244,274 ▲ 5.9%
Current assets
€188,612 ▼ 11.6%
Equity and liabilities €432,886
Equity
€195,557 ▼ 9.9%
Debt
€237,329 ▲ 4.5%
Debt's share of the balance-sheet total rises from 51.2% to 54.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€135,206▲
2023 · €125,779
Cash flow
€151,871▲
2023 · €100,638
Debt to equity
1.21▲
2023 · 1.05
ROE
68.4%▲
2023 · 38.1%
Interest coverage
60.51▲
2023 · 52.18
Debt ≤ 1 year
€102,764▲
2023 · €76,575
Debt > 1 year
€134,566▼
2023 · €150,581
Income taxes
€25,446▲
2023 · €22,741
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,970 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,970 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €16,578 | €17,776 | €18,026 | €18,095 | ▲ 0.4% |
| Other operating charges640/8 | €23,431 | €1,323 | €1,733 | €2,009 | ▲ 16.0% |
| Gross operating margin9900 | €124,325 | €114,089 | €127,511 | €137,215 | ▲ 7.6% |
| Operating profit (loss)9901 | €84,316 | €94,991 | €107,752 | €117,110 | ▲ 8.7% |
| Financial income75/76B | €9 | €0 | €10 | €44,345 | ▲ 428,773% |
| Recurring financial income75 | €9 | €0 | €10 | €44,345 | ▲ 428,773% |
| Financial charges65/66B | €846 | €2,666 | €2,411 | €2,234 | ▼ 7.3% |
| Recurring financial charges65 | €846 | €2,666 | €2,411 | €2,234 | ▼ 7.3% |
| Profit (loss) for the period before taxes9903 | €83,478 | €92,325 | €105,352 | €159,221 | ▲ 51.1% |
| Income taxes67/77 | €24,697 | €19,791 | €22,741 | €25,446 | ▲ 11.9% |
| Profit (loss) for the period9904 | €58,781 | €72,534 | €82,611 | €133,776 | ▲ 61.9% |
| Profit (loss) for the period to be appropriated9905 | €58,781 | €72,534 | €82,611 | €133,776 | ▲ 61.9% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €320,426 | €379,968 | €444,082 | €432,886 | ▼ 2.5% |
| Fixed assets21/28 | €259,401 | €241,626 | €230,744 | €244,274 | ▲ 5.9% |
| Tangible fixed assets22/27 | €257,651 | €239,876 | €223,394 | €206,924 | ▼ 7.4% |
| Land and buildings22 | €219,938 | €213,096 | €206,254 | €199,412 | ▼ 3.3% |
| Plant, machinery and equipment23 | €1,208 | €763 | €1,573 | €2,308 | ▲ 46.7% |
| Furniture and vehicles24 | €36,506 | €26,017 | €15,566 | €5,204 | ▼ 66.6% |
| Financial fixed assets28 | €1,750 | €1,750 | €7,350 | €37,350 | ▲ 408% |
| Current assets29/58 | €61,025 | €138,342 | €213,338 | €188,612 | ▼ 11.6% |
| Amounts receivable within one year40/41 | €36,907 | €40,320 | €75,218 | €75,420 | ▲ 0.3% |
| Trade receivables40 | €33,893 | €28,820 | €39,174 | €56,870 | ▲ 45.2% |
| Other amounts receivable41 | €3,015 | €11,500 | €36,044 | €18,550 | ▼ 48.5% |
| Cash at bank and in hand54/58 | €23,222 | €96,622 | €138,121 | €113,192 | ▼ 18.0% |
| Deferred charges and accrued income490/1 | €895 | €1,400 | - | - | - |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €320,426 | €379,968 | €444,082 | €432,886 | ▼ 2.5% |
| Equity10/15 | €61,781 | €134,315 | €216,927 | €195,557 | ▼ 9.9% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Reserves13 | €58,781 | €58,781 | €213,927 | €192,557 | ▼ 10.0% |
| Distributable reserves133 | €58,781 | €58,781 | €213,927 | €192,557 | ▼ 10.0% |
| Profit (loss) carried forward14 | - | €72,534 | - | - | - |
| Amounts payable17/49 | €258,645 | €245,652 | €227,156 | €237,329 | ▲ 4.5% |
| Amounts payable after more than one year17 | €199,604 | €167,924 | €150,581 | €134,566 | ▼ 10.6% |
| Financial debts170/4 | €199,604 | €167,924 | €150,581 | €134,566 | ▼ 10.6% |
| Amounts payable within one year42/48 | €59,041 | €77,728 | €76,575 | €102,764 | ▲ 34.2% |
| Current portion of amounts payable after more than one year42 | €10,852 | €23,408 | €20,522 | €16,015 | ▼ 22.0% |
| Trade debts44 | €458 | €1,753 | €2,787 | €1,058 | ▼ 62.0% |
| Suppliers440/4 | €458 | €1,753 | €2,787 | €1,058 | ▼ 62.0% |
| Taxes, remuneration and social security45 | €33,425 | €52,341 | €53,266 | €31,174 | ▼ 41.5% |
| Taxes450/3 | €33,425 | €52,341 | €53,266 | €31,174 | ▼ 41.5% |
| Other amounts payable47/48 | €14,305 | €227 | - | €54,517 | - |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €58,781 | €72,534 | €82,611 | €133,776 | ▲ 61.9% |
| + Depreciation and write-downs630 | €16,578 | €17,776 | €18,026 | €18,095 | ▲ 0.4% |
| Operating cash flow (approximation) | €75,360 | €90,310 | €100,638 | €151,871 | ▲ 50.9% |
| Investment in fixed assets (approximation) | - | €0 | -€7,145 | -€31,626 | ▼ 343% |
| Change in cash | - | €73,399 | €41,499 | -€24,929 | ▼ 160% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €133,776 ▲61.9%
Operating result €117,110, net result €133,776, both a record.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200,000Eq €216,927 ▲61.5%
3 profitable years in a row build equity to €216,927.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Equity above €100,000Eq €134,315 ▲117%
2 profitable years in a row build equity to €134,315.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Holsbeek · 1 establishment unit since 2020
Ground area
1,019 m²
Building footprint
132 m²
Volume, LiDAR
697 m³
Parcel 24056B0409/00D000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
The Cloud Architect
since 20202.304.178.877
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24056B0409/00D000 | Flanders | 1,019 m² | 1 · 132 m² | 9.3 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 · 1 entry · 147 EUR awarded · 147 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 147 EUR | 147 EUR |
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Of 30,007 companies in sector 62200 we hold annual accounts for 18,400. 14,813 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded22-06-2020
Fiscal year end31-12
Abbreviation NL
T.C.A.
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
47120Other non-specialised retail sale
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
85599Other education
E-invoicing
Reachable via Peppol
Peppol ID
0208:0748831882
Registered
03-02-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.