Cascade Architecture
ActiveSummary
Cascade Architecture has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €49k and a net result of €-1k. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 63% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▼-24
Solvency92▼-8
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 2.74 against 3.64 in 2024; short-term debt: 33.4% and cash: 38.3% of total assets), and 33.4% of the assets are financed with debt.
Credit check 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 2025Solvency, return and age of the figures
Solvency
66.6%
Return on assets
-1.6%
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 02-06-2026, 59 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
59 d early
2024
18 d late
2023
51 d early
2022
46 d early
2021
53 d early
2020
53 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
€49k▼ 8.9%
2024 · €54k
2018: €48k
2019: €54k
2020: €56k
2021: €34k
2022: €58k
2023: €41k
2024: €54k
2018 → 2025
Total assets
€74k▲ 2.7%
2024 · €72k
2018: €75k
2019: €75k
2020: €113k
2021: €68k
2022: €92k
2023: €77k
2024: €72k
2018 → 2025
Net result
€-1k
2024 · €13k
2018: €22k
2019: €12k
2020: €4k
2021: €-21k
2022: €23k
2023: €-17k
2024: €13k
2018 → 2025
Working capital
€43k▼ 9.1%
2024 · €47k
2018: €36k
2019: €48k
2020: €46k
2021: €25k
2022: €50k
2023: €31k
2024: €47k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€34k-€58k▲ 68.4%€41k▼ 28.6%€54k▲ 30.5%€49k▼ 8.9%
Operating result€-21k-€27k€-16k€14k€214▼ 98.4%
Net result€-21k-€23k€-17k€13k€-1k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 98% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €74k
Fixed assets
€6k ▼ 7.6%
Current assets
€67k ▲ 3.7%
Equity and liabilities €74k
Equity
€49k ▼ 8.9%
Debt
€25k ▲ 37.5%
Debt's share of the balance-sheet total rises from 24.9% to 33.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€5k▼
2024 · €20k
Cash flow
€4k▼
2024 · €19k
Current ratio
2.74▼
2024 · 3.64
Debt to equity
0.50▲
2024 · 0.33
ROE
-2.4%▼
2024 · 23.4%
ROA
-1.6%▼
2024 · 17.6%
Interest coverage
33.56▼
2024 · 129.96
Debt ≤ 1 year
€25k▲
2024 · €18k
Income taxes
€2k▲
2024 · €1k
Staff costs
€16k▲
2024 · €16k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€72k€74k▲
Fixed assets21/28€7k€6k▼
Tangible fixed assets22/27€6k€6k▲
Furniture and vehicles24€2k€6k▲
Leasing and similar rights25€3k-
Other tangible fixed assets26€1k€690▼
Financial fixed assets28€1k-
Current assets29/58€65k€67k▲
Amounts receivable within one year40/41€33k€38k▲
Trade receivables40€27k€31k▲
Other amounts receivable41€6k€7k▲
Cash at bank and in hand54/58€30k€28k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€72k€74k▲
Equity10/15€54k€49k▼
Contributions10/11€20k€20k=
Profit (loss) carried forward14€33k€29k▼
Amounts payable17/49€18k€25k▲
Amounts payable within one year42/48€18k€25k▲
Current portion of amounts payable after more than one year42€2k-
Trade debts44€5k€4k▼
Suppliers440/4€5k€4k▼
Taxes, remuneration and social security45€6k€13k▲
Taxes450/3€3k€8k▲
Remuneration and social security454/9€3k€5k▲
Other amounts payable47/48€5k€8k▲
Income statement
Code20242025
Remuneration, social security and pensions62€16k€16k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€5k▼
Other operating charges640/8€1k€3k▲
Gross operating margin9900€36k€24k▼
Operating profit (loss)9901€14k€214▼
Financial income75/76B€237€276▲
Recurring financial income75€237€276▲
Financial charges65/66B€151€149▼
Recurring financial charges65€151€149▼
Profit (loss) for the period before taxes9903€14k€341▼
Income taxes67/77€1k€2k▲
Profit (loss) for the period9904€13k€-1k▼
Profit (loss) for the period to be appropriated9905€13k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€33k€32k▼
Profit (loss) brought forward from the previous period14P€21k€33k▲
Profit to be distributed694/7-€4k
Return on contributions (dividend)694-€4k
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
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-21k ▼600%
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
08-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
10-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
12-06
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.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Esneux · 1 establishment unit since 2022
Ground area
223 m²
Building footprint
116 m²
Parcel 62032B0352/00D000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Cascade Architecture
since 20222.348.398.605
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62032B0352/00D000 ProtectedArchitectural ensemble · Site or landscape |
Wallonia | 223 m² | 1 · 116 m² | - |
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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
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ATELIER D’ARCHITECTURE LIZEN & PIERRE
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Architectuurburo Lindelauf, Vanderhoydonk & Jamaer
BE 0889.494.453
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INSOLIT SRL
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Of 18,255 companies in sector 71111 we hold annual accounts for 6,321. 5,331 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
Founded13-01-2003
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.