ARCHITECTEN VAN LAER & VAN ERCK
ActiveSummary
ARCHITECTEN VAN LAER & VAN ERCK has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €509k and a net result of €91k. Equity is growing by ~17.9% per year across the filed fiscal years. Its solvency ranks better than 73% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86=
Solvency100▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 4.02 against 3.54 in 2024; short-term debt: 23.6% and cash: 14.9% of total assets), and 24.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers 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
75.5%
Return on assets
13.4%
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
20 d early
2023
36 d early
2022
60 d early
2021
17 d early
2020
22 d early
2019
24 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
€509k▲ 1.9%
2024 · €499k
2018: €64k
2019: €170k
2020: €251k
2021: €365k
2022: €448k
2023: €511k
2024: €499k
2018 → 2025
Total assets
€673k▼ 1.7%
2024 · €685k
2018: €249k
2019: €306k
2020: €394k
2021: €551k
2022: €595k
2023: €648k
2024: €685k
2018 → 2025
Net result
€91k▼ 3.0%
2024 · €93k
2018: €32k
2019: €105k
2020: €85k
2021: €117k
2022: €107k
2023: €96k
2024: €93k
2018 → 2025
Working capital
€480k▲ 3.7%
2024 · €463k
2018: €42k
2019: €142k
2020: €217k
2021: €323k
2022: €395k
2023: €464k
2024: €463k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€365k-€448k▲ 22.8%€511k▲ 14.2%€499k▼ 2.4%€509k▲ 1.9%
Operating result€164k-€151k▼ 7.9%€132k▼ 12.5%€127k▼ 4.0%€123k▼ 3.2%
Net result€117k-€107k▼ 8.7%€96k▼ 10.5%€93k▼ 2.5%€91k▼ 3.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 3% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €673k
Fixed assets
€35k ▼ 13.5%
Current assets
€639k ▼ 0.9%
Equity and liabilities €673k
Equity
€509k ▲ 1.9%
Debt
€165k ▼ 11.3%
Debt's share of the balance-sheet total falls from 27.1% to 24.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€140k▼
2024 · €153k
Cash flow
€108k▼
2024 · €119k
Current ratio
4.02▲
2024 · 3.54
Quick ratio
3.10▲
2024 · 2.90
Debt to equity
0.32▼
2024 · 0.37
ROE
17.8%▼
2024 · 18.7%
ROA
13.4%▼
2024 · 13.6%
Interest coverage
37.62▼
2024 · 60.90
Debt ≤ 1 year
€159k▼
2024 · €182k
Income taxes
€37k▼
2024 · €37k
Staff costs
€256k▲
2024 · €182k
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 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€685k€673k▼
Fixed assets21/28€40k€35k▼
Intangible fixed assets21€8k€5k▼
Tangible fixed assets22/27€26k€23k▼
Furniture and vehicles24€21k€19k▼
Other tangible fixed assets26€6k€4k▼
Financial fixed assets28€5k€7k▲
Current assets29/58€645k€639k▼
Stocks and contracts in progress3€117k€145k▲
Contracts in progress37€117k€145k▲
Amounts receivable within one year40/41€129k€158k▲
Trade receivables40€123k€148k▲
Other amounts receivable41€7k€10k▲
Current investments50/53€324k€217k▼
Cash at bank and in hand54/58€63k€100k▲
Deferred charges and accrued income490/1€12k€19k▲
Equity and liabilities
Total equity and liabilities10/49€685k€673k▼
Equity10/15€499k€509k▲
Contributions10/11€6k€6k=
Reserves13€493k€502k▲
Distributable reserves133€493k€502k▲
Profit (loss) carried forward14€295€298▲
Amounts payable17/49€186k€165k▼
Amounts payable within one year42/48€182k€159k▼
Trade debts44€14k€12k▼
Suppliers440/4€14k€12k▼
Advances received on contracts in progress46€575€2k▲
Taxes, remuneration and social security45€68k€68k▲
Taxes450/3€31k€12k▼
Remuneration and social security454/9€37k€56k▲
Other amounts payable47/48€100k€77k▼
Accrued charges and deferred income492/3€4k€6k▲
Income statement
Code20242025
Remuneration, social security and pensions62€182k€256k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€18k▼
Other operating charges640/8€586€604▲
Gross operating margin9900€335k€397k▲
Operating profit (loss)9901€127k€123k▼
Financial income75/76B€6k€8k▲
Recurring financial income75€6k€8k▲
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€131k€127k▼
Income taxes67/77€37k€37k▼
Profit (loss) for the period9904€93k€91k▼
Profit (loss) for the period to be appropriated9905€93k€91k▼
Appropriation of the result
Profit (loss) to be appropriated9906€93k€91k▼
Profit (loss) brought forward from the previous period14P€185€295▲
Transfer from equity791/2€105k€81k▼
Transfer to equity691/2€93k€91k▼
To other reserves6921€93k€91k▼
Profit to be distributed694/7€105k€81k▼
Return on contributions (dividend)694€105k€81k▼
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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €500kEq €509k ▲1.9%
8 profitable years in a row build equity to €509k.
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €500kEq €511k ▲14.2%
6 profitable years in a row build equity to €511k.
01-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €117k ▲37.6%
Operating result €164k, net result €117k, both a record.
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €251k ▲48%
3 profitable years in a row build equity to €251k.
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €150kEq €170k ▲163%
2 profitable years in a row build equity to €170k.
Show earlier events
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-06
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
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, Hoogstraten · 1 establishment unit since 2001
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.
Antoon de Lalaingstraat 12320 HoogstratenGround area
371 m²
Building footprint
143 m²
Volume, LiDAR
1,524 m³
Parcel 13014C0138/02M002, Flanders · tallest building 14.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Architecten Van Laer & Van Erck
since 20012.116.451.314
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13014C0138/02M002 | Flanders | 371 m² | 1 · 143 m² | 14.0 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 6 entries · 6,738 EUR awarded · 6,661 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 77 EUR | 0 EUR |
| 2024 | 1 | 640 EUR | 640 EUR |
| 2023 | 2 | 3,079 EUR | 3,265 EUR |
| 2022 | 2 | 2,942 EUR | 2,756 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 18,255 companies in sector 71111 we hold annual accounts for 6,321. 3,973 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
Founded12-10-2001
Fiscal year end31-12
Activities, NACEBEL 2025
71111Activities of building architects
71121Engineering and related technical consultancy, excluding land surveyors
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:info@aab-architecten.be
Phone:03/314.22.92