M4 ARCHITECTURE
ActiveM4 ARCHITECTURE has been active since 2007 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags). The 2025 annual accounts show equity of €54k and a net result of €23k. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 46% of 9388 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▲+92
Solvency75▲+7
Growth78▲+46
Track record92
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 2.0 against 1.75 in 2024; short-term debt: 49.9% and cash: 24.3% of total assets), and 49.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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
50.1%
Return on assets
21.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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.
NBB · 10 filingsDeviation from the deadline
2025
26 d late
2024
21 d late
2023
386 d late
2022
752 d late
2021
248 d late
2020
53 d late
2019
24 d late
← before the deadline
after the deadline →
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
UBO non-compliance
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€54k▲ 76.5%
2024 · €30k
2018: €49k
2019: €41k
2020: €48k
2021: €37k
2022: €56k
2023: €68k
2024: €30k
2018 → 2025
Total assets
€107k▲ 51.9%
2024 · €71k
2018: €141k
2019: €124k
2020: €144k
2021: €81k
2022: €105k
2023: €116k
2024: €71k
2018 → 2025
Net result
€23k
2024 · €-37k
2018: €-6k
2019: €-8k
2020: €7k
2021: €-11k
2022: €19k
2023: €12k
2024: €-37k
2018 → 2025
Working capital
€54k▲ 76.7%
2024 · €30k
2018: €40k
2019: €40k
2020: €47k
2021: €37k
2022: €55k
2023: €68k
2024: €30k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€37k-€56k▲ 50.3%€68k▲ 21.8%€30k▼ 55.0%€54k▲ 76.5%
Operating result€-10k-€24k€17k▼ 28.4%€-33k€28k
Net result€-11k-€19k€12k▼ 34.9%€-37k€23k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €28k after a loss of €33k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €107k
Fixed assets
€75=
Current assets
€107k▲ 51.9%
Equity and liabilities €107k
Equity
€54k▲ 76.5%
Debt
€54k▲ 33.2%
The debt ratio falls from 56.9% to 49.9%. Equity and debt are higher.
Key figures and ratios
Solvency
50.1%▲
2024 · 43.1%
Current ratio
2.00▲
2024 · 1.75
Quick ratio
2.00▲
2024 · 1.75
Debt / equity
1.00▼
2024 · 1.32
ROE
43.4%▲
2024 · -122.0%
ROA
21.7%▲
2024 · -52.6%
Debt
€54k▲
2024 · €40k
Debt ≤ 1 year
€54k▲
2024 · €40k
Income taxes
€5k▲
2024 · €131
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€71k€107k▲
Fixed assets21/28€75€75=
Financial fixed assets28€75€75=
Current assets29/58€71k€107k▲
Amounts receivable within one year40/41€71k€76k▲
Trade receivables40-€10k
Other amounts receivable41€71k€66k▼
Cash at bank and in hand54/58€28€26k▲
Deferred charges and accrued income490/1-€5k
Equity and liabilities
Total equity and liabilities10/49€71k€107k▲
Equity10/15€30k€54k▲
Contributions10/11€6k€6k=
Reserves13€42k€42k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€40k€40k=
Profit (loss) carried forward14€-18k€6k▲
Amounts payable17/49€40k€54k▲
Amounts payable within one year42/48€40k€54k▲
Trade debts44€2k€14k▲
Suppliers440/4€2k€14k▲
Taxes, remuneration and social security45€9k€11k▲
Taxes450/3€9k€11k▲
Other amounts payable47/48€29k€29k▼
Income statement
Code20242025
Non-recurring operating income76A-€13k
Other operating charges640/8€3k€2k▼
Gross operating margin9900€-30k€30k▲
Operating profit (loss)9901€-33k€28k▲
Financial charges65/66B€4k€111▼
Recurring financial charges65€4k€111▼
Profit (loss) for the period before taxes9903€-37k€28k▲
Income taxes67/77€131€5k▲
Profit (loss) for the period9904€-37k€23k▲
Profit (loss) for the period to be appropriated9905€-37k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-18k€6k▲
Profit (loss) brought forward from the previous period14P€19k€-18k▼
The notes to these accounts (6 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 386 days late
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 752 days late
20-06
KBO administration
UBO non-compliance
event 09-06-2025
2024
31-12
Financial
Weakest financial yearnet €-37k ▼407%
Net result drops to €-37k, the lowest in the series; recovery starts the following year.
2023
05-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 248 days late
2022
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
2021
22-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 53 days late
2020
31-12
Financial
Back to profitnet €7k
Net result €7k after 2 loss-making years.
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2017
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 61 days late
2016
31-12
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 153 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Braine-l'Alleud
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 du Cuisinier 1581420 Braine-l'AlleudGround area
975 m²
Building footprint
65 m²
Parcel 25014A0981/00B002, Wallonia. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25014A0981/00B002 | Wallonia | 975 m² | 1 · 65 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.
Similar companies · same sector, comparable size
Hildegard Desmet
BE 0769.737.461
Gent · Eq €54k
TRANSITIONS
BE 0546.792.463
Elsene · Eq €54k
JO COENEN ARCHITECTS & URBANISTS STUDIO BE
BE 0779.487.446
Zandhoven · Eq €54k
FLOMA
BE 0657.942.090
Bierbeek · Eq €54k
Studio Nobel Architecten
BE 0784.948.051
Roeselare · Eq €54k
Of 18,249 companies in sector 71111 we hold annual accounts for 6,319. 5,373 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded18-09-2007
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
74201Photography, excluding press photography
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.