EFFICIO ARCHITECTES
ActiveEFFICIO ARCHITECTES has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €91k and a net result of €185k. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 17% of 9430 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency38▼-14
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 2.55 against 1.17 in 2024; short-term debt: 35.2% and cash: 59.9% of total assets), but 87.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · 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
12.5%
Return on assets
25.5%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 9430 sector peers (2025).
NBB · sector comparisonPosition among 9430 sector peers
Solvency
better than 17%
← weakest
strongest →
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 29-07-2026, 2 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
2 d early
2024
54 d late
2023
48 d late
2022
29 d late
2021
50 d late
2020
61 d late
2019
426 d late
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€185k▼ 2.3%
2024 · €190k
2018: €33k
2019: €40k
2020: €58k
2021: €55k
2022: €71k
2023: €253k
2024: €190k
2018 → 2025
Working capital
€397k▲ 426%
2024 · €75k
2018: €57k
2019: €98k
2020: €157k
2021: €56k
2022: €116k
2023: €77k
2024: €75k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€90k-€161k▲ 78.2%€161k=€161k=€91k▼ 43.4%
Operating result€81k-€108k▲ 33.1%€346k▲ 221%€258k▼ 25.2%€252k▼ 2.5%
Net result€55k-€71k▲ 29.7%€253k▲ 258%€190k▼ 25.0%€185k▼ 2.3%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €727k
Fixed assets
€74k▼ 21.1%
Current assets
€653k▲ 27.5%
Equity and liabilities €727k
Equity
€91k▼ 43.4%
Debt
€636k▲ 42.9%
The debt ratio rises from 73.4% to 87.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€279k▼
2024 · €283k
Cash flow
€213k▼
2024 · €214k
Solvency
12.5%▼
2024 · 26.6%
Current ratio
2.55▲
2024 · 1.17
Quick ratio
2.55▲
2024 · 1.17
Debt / equity
6.98▲
2024 · 2.76
ROE
203.4%▲
2024 · 117.8%
ROA
25.5%▼
2024 · 31.3%
Interest coverage
547.90▼
2024 · 548.85
Debt
€636k▲
2024 · €445k
Debt ≤ 1 year
€256k▼
2024 · €437k
Debt > 1 year
€380k▲
2024 · €8k
Income taxes
€66k▼
2024 · €68k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€606k€727k▲
Fixed assets21/28€94k€74k▼
Tangible fixed assets22/27€94k€74k▼
Plant, machinery and equipment23€22k€19k▼
Furniture and vehicles24€72k€55k▼
Current assets29/58€512k€653k▲
Amounts receivable within one year40/41€80k€213k▲
Trade receivables40€78k€211k▲
Other amounts receivable41€2k€2k=
Cash at bank and in hand54/58€429k€436k▲
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€606k€727k▲
Equity10/15€161k€91k▼
Contributions10/11€19k€19k=
Reserves13€143k€73k▼
Distributable reserves133€143k€73k▼
Amounts payable17/49€445k€636k▲
Amounts payable after more than one year17€8k€380k▲
Financial debts170/4€8k-
Other amounts payable178/9-€380k
Amounts payable within one year42/48€437k€256k▼
Current portion of amounts payable after more than one year42€10k€8k▼
Trade debts44€15k€20k▲
Suppliers440/4€15k€20k▲
Taxes, remuneration and social security45€66k€68k▲
Taxes450/3€66k€68k▲
Other amounts payable47/48€346k€159k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€27k▲
Other operating charges640/8€797€804▲
Gross operating margin9900€283k€280k▼
Operating profit (loss)9901€258k€252k▼
Financial income75/76B-€24
Recurring financial income75-€24
Financial charges65/66B€515€509▼
Recurring financial charges65€515€509▼
Profit (loss) for the period before taxes9903€258k€251k▼
Income taxes67/77€68k€66k▼
Profit (loss) for the period9904€190k€185k▼
Profit (loss) for the period to be appropriated9905€190k€185k▼
Appropriation of the result
Profit (loss) to be appropriated9906€190k€185k▼
Transfer from equity791/2-€70k
Profit to be distributed694/7€190k€255k▲
Return on contributions (dividend)694€190k€255k▲
The notes to these accounts (5 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 2.55
Current ratio from 1.17 to 2.55; short-term debt falls from €437k to €256k.
23-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 54 days late
2024
17-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 48 days late
2023
31-12
Financial
Highest result since 2018net €253k ▲258%
Operating result €346k, net result €253k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 29 days late
2022
31-12
Financial
Equity above €150kEq €161k ▲78.2%
5 profitable years in a row build equity to €161k.
19-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 50 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 426 days late
2020
31-12
Financial
Equity above €150kEq €160k ▲57.5%
3 profitable years in a row build equity to €160k.
2019
31-12
Financial
Liquidity doublescurrent ratio 8.07
Current ratio from 3.37 to 8.07; short-term debt falls from €24k to €14k.
31-12
Financial
Equity above €100kEq €102k ▲65.9%
2 profitable years in a row build equity to €102k.
31-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 153 days late
2018
31-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 153 days late
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, Ham-sur-Heure-Nalinnes · 1 establishment unit since 2017
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.
La Vaucelle(HSH) 126120 Ham-sur-Heure-NalinnesGround area
2,252 m²
Building footprint
236 m²
Volume, LiDAR
888 m³
2 parcels, Wallonia · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
EFFICIO ARCHITECTES
since 20172.263.081.957
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 93078C0136/00N000 | Wallonia | 1,229 m² | 1 · 93 m² | - |
| 56034A0161/00B003 | Wallonia | 1,024 m² | 1 · 143 m² | 8.1 m · 2 fl. |
Linked by address, not proof of ownership
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.
Similar companies · same sector, comparable size
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Bureau d’études 981, Ingénieurs et Architectes
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Philippe De Pauw Architecture
BE 0794.187.005
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Thomaere Architecten
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Of 18,255 companies in sector 71111 we hold annual accounts for 6,320. 5,475 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-03-2017
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.