Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of BEN ARCHITECTS is 1.7% (moderate). The 2024 annual accounts show equity of €3k and a net result of €-35k. Its solvency ranks better than 18% of 174 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone1.7%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Lower-failure-rate sector
−Higher-failure-rate region
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
1 signal · with evidenceWeak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 174 sector peers (2024).
View the sector comparison Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 11 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-08-2025, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 27-08-2025 | 27 d late | 2025-00458756 |
| 31-12-2023 | 31-07-2024 | 03-07-2024 | 28 d early | 2024-00202821 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-35k
Working capital€101k-27.8%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 27-08-2025 with the NBB · fiscal year 2024 · volledig
Sector comparison
Fiscal year 2024 · NACE 71, Architecture & engineering · compared within the same schema type (full schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 2.4% | 35.1% | |
| Net result | €-35k | €26k | |
| Equity | €3k | €92k | |
| Gross operating margin | €-34k | €78k | |
| Total assets | €122k | €459k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€-34k
-
23-24
€-35k
-
23-24
€-34k
-
23-24
€122k
-39.9%
23-24
€3k
-92.3%
23-24
€101k
-27.8%
23-24
€11k
-
23-24
€119k
-27.8%
23-24
€17k
-72.8%
23-24
6.90
+114.2%
23-24
6.90
+114.2%
23-24
2.4%
-87.2%
23-24
40.86
+839.0%
23-24
-1200.6%
-
23-24
-28.7%
-
23-24
-249.34
-
23-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | volledig |
| Revenue | - |
| EBITDA | €-34k |
| Net profit | €-35k |
| Cash flow | €-34k |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €122k |
| Equity | €3k |
| Debt | €119k |
| of which ≤ 1y | €17k |
| of which > 1y | - |
| Working capital | €101k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 6.90 |
| Quick ratio | 6.90 |
| Working capital ratio | 82.8% |
| Solvency | 2.4% |
| Debt / equity | 40.86 |
| Long-term debt ratio | - |
| Interest coverage | -249.34 |
| Gross margin | - |
| Net margin | - |
| ROA | -28.7% |
| ROE | -1200.6% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €122k |
| Fixed assets | 21/28 | €4k |
| Tangible fixed assets | 22/27 | €4k |
| Current assets | 29/58 | €118k |
| Cash & bank | 54/58 | €118k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €122k |
| Equity | 10/15 | €3k |
| Contributions / capital | 10/11 | €5k |
| Accumulated profits (losses) | 14 | €-2k |
| Amounts payable | 17/49 | €119k |
| Amounts payable within one year | 42/48 | €17k |
| Trade debts payable within one year | 44 | €9k |
| Income statement | ||
| Gross operating margin | 9900 | €-34k |
| Operating result | 9901 | €-35k |
| Financial income | 75 | €60 |
| Financial charges | 65 | €137 |
| Result before taxes | 9903 | €-35k |
| Net result for the period | 9904 | €-35k |
| Result to be appropriated | 9905 | €-35k |
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed32
/ 100
Weak
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Directors
Directors & mandates
2 directorsCurrent directors & mandates
-
Saida BoujarraDirectorState Gazette act 23043760 (29-03-2023)Current17-03-2023 → present
Former directors (1)
-
Ben AbbadiDirectorState Gazette act 23043760 (29-03-2023)Former- → 17-03-2023
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Activiteiten van interieurarchitecten(71112) |
| Legal form | Private limited company(610) |
| Incorporation | 23-02-2023 |
| Status | Active |
| Postal code | 1180 |
Structure & network
Locations & real estate
Establishment units
1 locationBEN ARCHITECTS
since 20232.343.233.057
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area416 m²
Buildings2
Building footprint194 m²
Volume (LiDAR)1,425 m³
Tallest building13.8 m · ±3 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21616G0030/00T016 | Brussels | 342 m² | 1 · 99 m² | 13.8 m · 3 fl. |
| 23020C0168/00S000 | Flanders | 74 m² | 1 · 95 m² | 11.1 m · 3 fl. |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
1 acts All acts · 1
updated 3 years ago
2023
29-03-2023 2 directors appointed, 1 resigning
- Saida Boujarra, Bestuurder
- Serge Solau, Délégé
- Ben Abbadi, Bestuurder
Analysis
Snowflake analysis
financial profile on 5 axes39
/ 100
Fragile profile, watch profitability in particular.
All 5 axes are computed from data Checked has read.
Health
32
Profitability
0
Solvency
35
Growth
32
Stability
94
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Credit advice
verdict per customer and amountSimilar
Similar companies
Same sector, ranked by comparable sizeCompany registry
Company registry (CBE)
Crossroads BankActivities
Interieurarchitecten71112Activiteiten van interieurarchitecten71112
Primary activity highlighted.
Names & trade names
| Legal nameFR | BEN ARCHITECTS |
Registered office
Kersbeeklaan 308
1180 Ukkel, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.