GOCHArchitecte
ActiveSummary
GOCHArchitecte has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €96k and a net result of €29k. Equity is shrinking by ~4.5% per year across the filed fiscal years. Its solvency ranks better than 49% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▲+16
Solvency79▼-5
Growth43▲+17
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.15 against 2.42 in 2024; short-term debt: 44.3% and cash: 87.5% of total assets), and 46.2% of the assets are financed with debt.
Credit check 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 · 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
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
53.8%
Return on assets
16.5%
Age of the figures
15 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €96k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 04-12-2025, 58 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
58 d early
2024
53 d early
2023
on the day
2022
4 d early
2021
41 d early
2020
47 d early
2019
42 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€100k▼ 6.0%
2019 · €106k
2019: €106k
2019 → 2020
EBIT margin
18.9%▲ 0.7pp
2019 · 18.2%
2019: 18.2%
2019 → 2020
Net result
€29k▲ 182%
2024 · €10k
2019: €14k
2020: €14k
2021: €20k
2022: €14k
2023: €5k
2024: €10k
2019 → 2025
Working capital
€91k▲ 16.4%
2024 · €78k
2019: €96k
2020: €119k
2021: €201k
2022: €162k
2023: €64k
2024: €78k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€203k-€163k▼ 19.6%€75k▼ 54.2%€85k▲ 14.0%€96k▲ 13.0%
Operating result€27k-€18k▼ 34.4%€9k▼ 47.5%€18k▲ 91.2%€48k▲ 174%
Net result€20k-€14k▼ 30.1%€5k▼ 67.4%€10k▲ 123%€29k▲ 182%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 174% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €179k
Fixed assets
€9k ▼ 13.7%
Current assets
€170k ▲ 28.0%
Equity and liabilities €179k
Equity
€96k ▲ 13.0%
Debt
€83k ▲ 42.7%
Debt's share of the balance-sheet total rises from 40.5% to 46.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€50k▲
2024 · €19k
Cash flow
€31k▲
2024 · €12k
Current ratio
2.15▼
2024 · 2.42
Debt to equity
0.86▲
2024 · 0.68
ROE
30.6%▲
2024 · 12.3%
ROA
16.5%▲
2024 · 7.3%
Interest coverage
13.66▲
2024 · 5.43
Debt ≤ 1 year
€79k▲
2024 · €55k
Income taxes
€15k▲
2024 · €5k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€143k€179k▲
Fixed assets21/28€10k€9k▼
Tangible fixed assets22/27€10k€9k▼
Plant, machinery and equipment23€149-
Other tangible fixed assets26€10k€9k▼
Current assets29/58€133k€170k▲
Amounts receivable within one year40/41€25k€13k▼
Trade receivables40€12k-
Other amounts receivable41€14k€13k▼
Cash at bank and in hand54/58€107k€156k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€143k€179k▲
Equity10/15€85k€96k▲
Reserves13€85k€96k▲
Non-distributable reserves130/1€9k€9k=
Legal reserve130€9k€9k=
Distributable reserves133€76k€87k▲
Amounts payable17/49€58k€83k▲
Amounts payable within one year42/48€55k€79k▲
Trade debts44€4k€10k▲
Suppliers440/4€4k€10k▲
Advances received on contracts in progress46€6k€400▼
Taxes, remuneration and social security45€5k€12k▲
Taxes450/3€5k€12k▲
Other amounts payable47/48€40k€57k▲
Accrued charges and deferred income492/3€3k€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8€763-
Gross operating margin9900€20k€50k▲
Operating profit (loss)9901€18k€48k▲
Financial income75/76B€1k-
Recurring financial income75€1k-
Financial charges65/66B€4k€4k▲
Recurring financial charges65€4k€4k▲
Profit (loss) for the period before taxes9903€15k€45k▲
Income taxes67/77€5k€15k▲
Profit (loss) for the period9904€10k€29k▲
Profit (loss) for the period to be appropriated9905€10k€29k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€29k▲
Transfer from equity791/2-€18k
Transfer to equity691/2€10k€29k▲
To other reserves6921€10k€29k▲
Profit to be distributed694/7-€18k
Return on contributions (dividend)694-€18k
The notes to these accounts (3 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
2025
04-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Highest result since 2019net €29k ▲182%
Operating result €48k, net result €29k, both a record.
2024
09-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €5k ▼67.4%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
27-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
21-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Equity above €200kEq €203k ▲68.7%
3 profitable years in a row build equity to €203k.
2020
15-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
20-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
20-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
22-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
16-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Namur · 2 establishment units since 2012
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.
Rue des Balsamines(BL) 305001 NamurGround area
802 m²
Building footprint
297 m²
Volume, LiDAR
1,315 m³
2 parcels, Wallonia · tallest building 13.5 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
GOCHArchitecte
since 20122.215.319.454
GOCHArchitecte
since 20162.270.393.678
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92010D0176/00F005 | Wallonia | 655 m² | 1 · 224 m² | 6.1 m · 1 fl. |
| 92302G0195/00Y010 | Wallonia | 147 m² | 1 · 73 m² | 13.5 m · 4 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
SANELBOUW
BE 0849.731.975
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BUREAU VOOR CONSTRUCTIES EN VEILIGHEID
BE 0424.342.138
Wortegem-Petegem · Eq €96,119
BUREAU D'ARCHITECTURE ET D'URBANISME A-TIPIK
BE 0876.933.745
Tournai · Eq €96,149
DG | architecten
BE 0843.578.217
Mechelen · Eq €96,185
S.C.O.T.
BE 0867.462.090
Sint-Niklaas · Eq €95,973
Of 18,255 companies in sector 71111 we hold annual accounts for 6,321. 5,482 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
Founded13-12-2012
Fiscal year end30-06
Activities, NACEBEL 2025
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:gocharchitecte@skynet.be
Phone:0032495573772