Pilar Architecten
ActiveSummary
Pilar Architecten has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €164k and a net result of €47k. Equity is growing by ~13.3% per year across the filed fiscal years. Its solvency ranks better than 50% of 2008 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (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
Profitability86▼-8
Solvency72▼-4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity tight (current ratio 1.47 against 1.6 in 2024; short-term debt: 44.7% and cash: 45.8% of total assets), and 53.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers 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
46.9%
Return on assets
13.5%
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 20-05-2026, 72 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
72 d early
2024
64 d early
2023
51 d early
2022
28 d early
2021
58 d early
2020
75 d early
2019
31 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, abbreviated schema
Equity
€164k▼ 24.3%
2024 · €217k
2018: €90k
2019: €102k
2020: €107k
2021: €107k
2022: €178k
2023: €200k
2024: €217k
2018 → 2025
Total assets
€350k▼ 17.5%
2024 · €424k
2018: €265k
2019: €312k
2020: €351k
2021: €254k
2022: €435k
2023: €458k
2024: €424k
2018 → 2025
Net result
€47k▼ 45.5%
2024 · €87k
2018: €128k
2019: €113k
2020: €84k
2021: €53k
2022: €191k
2023: €141k
2024: €87k
2018 → 2025
Working capital
€73k▼ 27.5%
2024 · €101k
2018: €-35k
2019: €-15k
2020: €13k
2021: €51k
2022: €78k
2023: €113k
2024: €101k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€107k-€178k▲ 66.7%€200k▲ 12.0%€217k▲ 8.4%€164k▼ 24.3%
Operating result€82k-€210k▲ 155%€195k▼ 7.0%€115k▼ 41.1%€66k▼ 42.1%
Net result€53k-€191k▲ 264%€141k▼ 26.1%€87k▼ 38.6%€47k▼ 45.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 42% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €350k
Fixed assets
€121k ▼ 22.3%
Current assets
€229k ▼ 14.8%
Equity and liabilities €350k
Equity
€164k ▼ 24.3%
Debt
€186k ▼ 10.5%
Debt's share of the balance-sheet total rises from 48.9% to 53.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€109k▼
2024 · €148k
Cash flow
€90k▼
2024 · €120k
Current ratio
1.47▼
2024 · 1.60
Debt to equity
1.13▲
2024 · 0.96
ROE
28.9%▼
2024 · 40.1%
ROA
13.5%▼
2024 · 20.5%
Interest coverage
30.48▼
2024 · 77.53
Debt ≤ 1 year
€156k▼
2024 · €168k
Debt > 1 year
€29k▼
2024 · €39k
Income taxes
€17k▼
2024 · €28k
Staff costs
€51k▲
2024 · €43k
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 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€424k€350k▼
Fixed assets21/28€155k€121k▼
Tangible fixed assets22/27€152k€117k▼
Land and buildings22€74k€65k▼
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€71k€48k▼
Financial fixed assets28€4k€4k▼
Current assets29/58€269k€229k▼
Amounts receivable within one year40/41€101k€49k▼
Trade receivables40€101k€41k▼
Other amounts receivable41-€8k
Cash at bank and in hand54/58€147k€160k▲
Deferred charges and accrued income490/1€21k€20k▼
Equity and liabilities
Total equity and liabilities10/49€424k€350k▼
Equity10/15€217k€164k▼
Contributions10/11€10k€10k=
Reserves13€207k€154k▼
Tax-exempt reserves132€9k€9k=
Distributable reserves133€197k€145k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€207k€186k▼
Amounts payable after more than one year17€39k€29k▼
Financial debts170/4€39k€29k▼
Amounts payable within one year42/48€168k€156k▼
Current portion of amounts payable after more than one year42€13k€18k▲
Trade debts44€48k€5k▼
Suppliers440/4€48k€5k▼
Taxes, remuneration and social security45€37k€33k▼
Taxes450/3€25k€25k▲
Remuneration and social security454/9€12k€8k▼
Other amounts payable47/48€70k€101k▲
Income statement
Code20242025
Remuneration, social security and pensions62€43k€51k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€43k▲
Other operating charges640/8€887€799▼
Non-recurring operating charges66A€3k-
Gross operating margin9900€194k€160k▼
Operating profit (loss)9901€115k€66k▼
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€4k▲
Profit (loss) for the period before taxes9903€115k€64k▼
Income taxes67/77€28k€17k▼
Profit (loss) for the period9904€87k€47k▼
Profit (loss) for the period to be appropriated9905€87k€47k▼
Appropriation of the result
Profit (loss) to be appropriated9906€87k€47k▼
Transfer from equity791/2-€100k
Transfer to equity691/2€17k€47k▲
To the legal reserve6920€0-
To other reserves6921€17k€47k▲
Profit to be distributed694/7€70k€100k▲
Return on contributions (dividend)694€70k€100k▲
Social balance
Average headcount (FTE)90871.0-
The notes to these accounts (15 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
20-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €47k ▼45.5%
Net result drops to €47k, the lowest in the series.
28-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €200kEq €217k ▲8.4%
7 profitable years in a row build equity to €217k.
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €191k ▲264%
Operating result €210k, net result €191k, both a record.
31-12
Financial
Equity above €150kEq €178k ▲66.7%
5 profitable years in a row build equity to €178k.
03-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
17-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €100kEq €102k ▲14.3%
2 profitable years in a row build equity to €102k.
Show earlier events
17-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
08-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Lubbeek · 1 establishment unit since 1982
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.
Diestsesteenweg(LIN) 209B/13210 LubbeekGround area
204 m²
Building footprint
79 m²
Volume, LiDAR
459 m³
Parcel 24063B0286/00G002, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STUDIEBUR ART
since 19822.019.920.377
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24063B0286/00G002indicative | Flanders | 204 m² | 1 · 79 m² | 9.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 302 EUR awarded · 302 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 0 EUR | 111 EUR |
| 2023 | 1 | 255 EUR | 144 EUR |
| 2022 | 1 | 47 EUR | 47 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,550 companies in sector 71121 we hold annual accounts for 6,563. 5,227 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
Founded04-01-1982
Fiscal year end31-12
Activities, NACEBEL 2025
71111Activities of building architects
71121Engineering and related technical consultancy, excluding land surveyors
Sources
Crossroads Bank for EnterprisesNational Bank · 44 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.