ARCHITECTENBUREAU EQUIPA3
ActiveSummary
ARCHITECTENBUREAU EQUIPA3 has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €60k and a net result of €13k. Equity is shrinking by ~6.5% per year across the filed fiscal years. Its solvency ranks better than 37% of 11615 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
76
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability80▲+4
Solvency66▲+8
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity short (current ratio 0.82 against 0.92 in 2023; short-term debt: 58.9% and cash: 15.6% of total assets), and 58.9% 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
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
41.1%
Return on assets
8.7%
Age of the figures
21 mo
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €60k
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 25-06-2025, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
36 d early
2023
36 d early
2022
40 d early
2021
31 d late
2020
88 d late
2019
46 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€60k▲ 26.8%
2023 · €48k
2018: €71k
2019: €84k
2020: €47k
2021: €59k
2022: €40k
2023: €48k
2018 → 2024
Total assets
€147k▲ 3.3%
2023 · €142k
2018: €128k
2019: €150k
2020: €130k
2021: €137k
2022: €92k
2023: €142k
2018 → 2024
Net result
€13k▲ 64.5%
2023 · €8k
2018: €-9k
2019: €13k
2020: €-37k
2021: €12k
2022: €-19k
2023: €8k
2018 → 2024
Working capital
€-16k▼ 95.5%
2023 · €-8k
2018: €53k
2019: €68k
2020: €32k
2021: €37k
2022: €14k
2023: €-8k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€47k-€59k▲ 25.6%€40k▼ 32.6%€48k▲ 19.5%€60k▲ 26.8%
Operating result€-35k-€14k€-19k€10k€22k▲ 120%
Net result€-37k-€12k€-19k€8k€13k▲ 64.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 120% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €147k
Fixed assets
€76k ▲ 36.7%
Current assets
€71k ▼ 18.2%
Equity and liabilities €147k
Equity
€60k ▲ 26.8%
Debt
€86k ▼ 8.6%
Debt's share of the balance-sheet total falls from 66.6% to 58.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€32k▲
2023 · €20k
Cash flow
€22k▲
2023 · €18k
Current ratio
0.82▼
2023 · 0.92
Debt to equity
1.43▼
2023 · 1.99
ROE
21.2%▲
2023 · 16.3%
ROA
8.7%▲
2023 · 5.5%
Interest coverage
11.28▼
2023 · 17.17
Debt ≤ 1 year
€86k▼
2023 · €95k
Income taxes
€7k▲
2023 · €1k
Staff costs
€73k▲
2023 · €71k
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 · 2024 against 2023 · 47 lines
Balance sheet
Code20232024
Assets
Total assets20/58€142k€147k▲
Fixed assets21/28€56k€76k▲
Tangible fixed assets22/27€55k€46k▼
Plant, machinery and equipment23€6k€3k▼
Furniture and vehicles24€3k€1k▼
Other tangible fixed assets26€47k€41k▼
Financial fixed assets28€250€30k▲
Current assets29/58€87k€71k▼
Amounts receivable within one year40/41€53k€48k▼
Trade receivables40€53k€48k▼
Other amounts receivable41€6€12▲
Cash at bank and in hand54/58€33k€23k▼
Deferred charges and accrued income490/1€333€344▲
Equity and liabilities
Total equity and liabilities10/49€142k€147k▲
Equity10/15€48k€60k▲
Contributions10/11€12k€12k=
Reserves13€35k€48k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€33k€46k▲
Profit (loss) carried forward14€242€242=
Amounts payable17/49€95k€86k▼
Amounts payable within one year42/48€95k€86k▼
Trade debts44€31k€28k▼
Suppliers440/4€31k€28k▼
Advances received on contracts in progress46€7k-
Taxes, remuneration and social security45€31k€27k▼
Taxes450/3€16k€16k▼
Remuneration and social security454/9€14k€11k▼
Other amounts payable47/48€26k€31k▲
Income statement
Code20232024
Remuneration, social security and pensions62€71k€73k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k▼
Other operating charges640/8€6k€2k▼
Gross operating margin9900€96k€107k▲
Operating profit (loss)9901€10k€22k▲
Financial income75/76B€22€0▼
Recurring financial income75€22€0▼
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€9k€20k▲
Income taxes67/77€1k€7k▲
Profit (loss) for the period9904€8k€13k▲
Profit (loss) for the period to be appropriated9905€8k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8k€13k▲
Profit (loss) brought forward from the previous period14P€242€242=
Transfer to equity691/2€8k€13k▲
To other reserves6921€8k€13k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-06
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
Back to profitnet €8k
Net result €8k after one loss-making year.
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 88 days late
2020
31-12
Financial
Weakest financial yearnet €-37k ▼378%
Net result drops to €-37k, the lowest in the series; recovery starts the following year.
15-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 46 days late
2019
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 14 days late
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
22-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Kaprijke · 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.
Eeklostraat 119971 KaprijkeGround area
841 m²
Building footprint
178 m²
Volume, LiDAR
822 m³
Parcel 43009B0834/00B000, Flanders · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Eeklostraat 11, 9971 Kaprijke
since 20012.242.761.249
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43009B0834/00B000 | Flanders | 840 m² | 1 · 178 m² | 6.9 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 2025 · 4 entries · 8,894 EUR awarded · 8,819 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,574 EUR | 1,649 EUR |
| 2024 | 1 | 150 EUR | 0 EUR |
| 2023 | 1 | 2,910 EUR | 2,910 EUR |
| 2022 | 1 | 4,260 EUR | 4,260 EUR |
Schemes
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. 5,418 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
Founded11-04-2001
Fiscal year end31-12
Activities, NACEBEL 2025
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.