ARCHIPEL
ActiveSummary
ARCHIPEL has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €96k and a net result of €-6k. Equity is shrinking by ~4.4% per year across the filed fiscal years. Its solvency ranks better than 81% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
75
/ 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
Profitability62▲+2
Solvency100▲+8
Growth32=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 3.06 against 1.97 in 2024; short-term debt: 23.7% and cash: 16.3% of total assets), and 23.7% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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 · 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
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 04-07-2026, 27 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
27 d early
2024
34 d early
2023
23 d early
2022
26 d early
2021
38 d early
2020
12 d late
2019
1 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
€96k▼ 6.3%
2024 · €102k
2018: €122k
2019: €130k
2020: €123k
2021: €125k
2022: €102k
2023: €112k
2024: €102k
2018 → 2025
Total assets
€125k▼ 17.2%
2024 · €151k
2018: €183k
2019: €164k
2020: €142k
2021: €169k
2022: €161k
2023: €186k
2024: €151k
2018 → 2025
Net result
€-6k▲ 36.9%
2024 · €-10k
2018: €-6k
2019: €8k
2020: €-7k
2021: €2k
2022: €-4k
2023: €10k
2024: €-10k
2018 → 2025
Working capital
€61k▲ 27.6%
2024 · €48k
2018: €36k
2019: €48k
2020: €54k
2021: €64k
2022: €54k
2023: €38k
2024: €48k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€125k-€102k▼ 18.3%€112k▲ 9.6%€102k▼ 9.1%€96k▼ 6.3%
Operating result€3k-€-4k€14k€-10k€-6k▲ 38.3%
Net result€2k-€-4k€10k€-10k€-6k▲ 36.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €6k in 2025 against €10k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €125k
Fixed assets
€35k ▼ 36.2%
Current assets
€91k ▼ 6.6%
Equity and liabilities €125k
Equity
€96k ▼ 6.3%
Debt
€30k ▼ 39.8%
Debt's share of the balance-sheet total falls from 32.5% to 23.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€13k▲
2024 · €9k
Cash flow
€13k▲
2024 · €9k
Current ratio
3.06▲
2024 · 1.97
Quick ratio
2.16▲
2024 · 1.43
Debt to equity
0.31▼
2024 · 0.48
ROE
-6.7%▲
2024 · -10.0%
ROA
-5.1%▲
2024 · -6.7%
Interest coverage
114.91▼
2024 · 133.51
Debt ≤ 1 year
€30k▼
2024 · €49k
Staff costs
€889
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€151k€125k▼
Fixed assets21/28€54k€35k▼
Tangible fixed assets22/27€54k€34k▼
Land and buildings22€21k€11k▼
Plant, machinery and equipment23€19k€14k▼
Furniture and vehicles24€14k€10k▼
Financial fixed assets28€270€270=
Current assets29/58€97k€91k▼
Stocks and contracts in progress3€27k€27k▲
Stocks30/36€16k€22k▲
Contracts in progress37€10k€5k▼
Amounts receivable within one year40/41€32k€44k▲
Trade receivables40€31k€40k▲
Other amounts receivable41€570€3k▲
Cash at bank and in hand54/58€38k€20k▼
Equity and liabilities
Total equity and liabilities10/49€151k€125k▼
Equity10/15€102k€96k▼
Contributions10/11€62k€62k=
Reserves13€41k€41k=
Tax-exempt reserves132€20k€20k=
Distributable reserves133€21k€21k=
Profit (loss) carried forward14€-2k€-8k▼
Amounts payable17/49€49k€30k▼
Amounts payable within one year42/48€49k€30k▼
Trade debts44€14k€5k▼
Suppliers440/4€14k€5k▼
Advances received on contracts in progress46-€2k
Taxes, remuneration and social security45€6k€425▼
Taxes450/3€6k-
Remuneration and social security454/9-€425
Other amounts payable47/48€30k€22k▼
Income statement
Code20242025
Remuneration, social security and pensions62-€889
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€20k=
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€2k
Other operating charges640/8€3k€9k▲
Gross operating margin9900€12k€25k▲
Operating profit (loss)9901€-10k€-6k▲
Financial income75/76B€6€0▼
Recurring financial income75€6€0▼
Non-recurring financial income76B€0-
Financial charges65/66B€70€116▲
Recurring financial charges65€70€116▲
Profit (loss) for the period before taxes9903€-10k€-6k▲
Income taxes67/77€-100-
Profit (loss) for the period9904€-10k€-6k▲
Profit (loss) for the period to be appropriated9905€-10k€-6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€-8k▼
Profit (loss) brought forward from the previous period14P€9k€-2k▼
The notes to these accounts (9 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
04-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-10k ▼204%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 7 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, Lasne · 1 establishment unit since 1997
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 aux Fleurs 331380 LasneGround area
913 m²
Building footprint
249 m²
Volume, LiDAR
2,252 m³
Parcel 25076A0214/00L000, Wallonia · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue aux Fleurs 33, 1380 Lasne
since 19972.081.667.114
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25076A0214/00L000 | Wallonia | 913 m² | 1 · 249 m² | 10.8 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
EME GROUP
BE 1006.309.177
Genk · Eq €95,579
MASETTIMMO
BE 1005.832.095
Gembloux · Eq €95,711
T.J.A.P.
BE 0835.493.068
Mettet · Eq €95,806
INTER ROSS
BE 0673.931.551
Sint-Pieters-Woluwe · Eq €95,250
Jeff Piessens
BE 0663.574.822
Beveren-Kruibeke-Zwijndrecht · Eq €95,952
Of 8,455 companies in sector 43120 we hold annual accounts for 3,233. 2,644 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
Founded18-04-1997
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43120Site preparation
43990Other specialised construction activities
47521Retail sale of hardware, building materials, paint and glass (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:archipelsrl@gmail.com