D-ONE Architects · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of D-ONE Architects is 0.5% (low). The 2025 annual accounts show equity of €196k and a net result of €23k. Equity is growing by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 25% of 110 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Signals

2 signals · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Growing equity

Equity grew over 2023-2025. Profits are largely retained rather than distributed.

View the equity trend

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-wide

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-04-2026, 3 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

The next deadline is still running

The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.

How we compute the deadline

The year end is derived from 3 filed financial years, each closing on 30-09. 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 30-09-2025, that is 30-04-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
30-09-2025	30-04-2026	27-04-2026	3 d early	2026-00088530
30-09-2024	30-04-2025	31-03-2025	30 d early	2025-00058412
30-09-2023	30-04-2024	30-04-2024	on the day	2024-00075176

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 signals

More than 3 years active

Founded in 2022, 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.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.5% Low

0%0,5%1,5%4%10%≥25%

Young company +Lower-failure-rate sector −Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€23k+432.1%

Working capital€443k-16.4%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 27-04-2026 with the NBB · fiscal year 2025 · verkort

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~7.8%/year over 3 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 71, Architecture & engineering · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	15.3%	36.8%	better than 25% of 110 sector peers
Net result	€23k	€23k	better than 50% of 110 sector peers
Equity	€196k	€119k	better than 66% of 110 sector peers
Gross operating margin	€45k	€86k	better than 38% of 110 sector peers
Employees (FTE)	0.0	2.9	better than 12% of 50 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P25

Stable position over 2023-2025 · n=110-303

Net result P50

Improving position over 2023-2025 · n=110-303

Equity P66

Stable position over 2023-2025 · n=110-303

Gross operating margin P38

Improving position over 2023-2025 · n=110-301

Describes the position versus peers, not a forecast.

Net profit

€23k

+432.1% 23-25

Total assets

€1.28M

-7.3% 23-25

Equity

€196k

+13.1% 23-25

Working capital

€443k

-16.4% 23-25

Employees (FTE)

0

- 23-25

Debt

€1.09M

-10.2% 23-25

Debt ≤ 1y

€129k

-10.0% 23-25

Debt > 1y

€957k

-10.3% 23-25

Show 6 other metrics

Current ratio

4.44

-5.6% 23-25

Quick ratio

4.44

-5.6% 23-25

Solvency

15.3%

+22.0% 23-25

Debt / equity

5.55

-20.6% 23-25

ROE

11.6%

+370.6% 23-25

ROA

1.8%

+474.2% 23-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	verkort
Revenue	-
EBITDA	-
Net profit	€23k
Cash flow	-
Staff costs	-
Income taxes	-
Dividends	-
Total assets	€1.28M
Equity	€196k
Debt	€1.09M
of which ≤ 1y	€129k
of which > 1y	€957k
Working capital	€443k
Employees (FTE)	0.0

Ratios (computed)

	2025
Current ratio	4.44
Quick ratio	4.44
Working capital ratio	34.6%
Solvency	15.3%
Debt / equity	5.55
Long-term debt ratio	4.90
Interest coverage	-
Gross margin	-
Net margin	-
ROA	1.8%
ROE	11.6%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €710k · 55.4% Current assets €572k · 44.6%

Equity & liabilities

Equity €196k · 15.3% Debt €1.09M · 84.7%

Full annual accounts (21 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€1.28M
Fixed assets	21/28	€710k
Financial fixed assets	28	€710k
Current assets	29/58	€572k
Amounts receivable within one year	40/41	€509k
Cash & bank	54/58	€63k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€1.28M
Equity	10/15	€196k
Contributions / capital	10/11	€200k
Accumulated profits (losses)	14	€-4k
Amounts payable	17/49	€1.09M
Amounts payable after one year	17	€957k
Amounts payable within one year	42/48	€129k
Trade debts payable within one year	44	€10k
Income statement
Gross operating margin	9900	€45k
Operating result	9901	€44k
Financial income	75	€21k
Financial charges	65	€43k
Result before taxes	9903	€23k
Net result for the period	9904	€23k
Result to be appropriated	9905	€23k

This table shows the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

73 / 100 Healthy

050100

Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

4 companies at this address See who is registered here

Establishment units

1 location

D-ONE Architects

Torhoutsesteenweg 52, 8400 OostendeHoldings

since 20222.335.980.724

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area1,125 m²

Buildings1

Building footprint730 m²

Volume (LiDAR)6,548 m³

Tallest building23.6 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels 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 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
35386D0211/00G000	Flanders	1,125 m²	1 · 730 m²	23.6 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 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

Belgian State Gazette · acts

0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.