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A T B

Active
Public limited companyfounded 195966 yrs activeBergensesteenweg 106A, 1600 Sint-Pieters-Leeuw, BelgiumKBO/BCE: BE 0402.896.923
Summary

A T B has been active since 1959 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €317,406 and a net result of €100,255. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 87% of 8161 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Checked score

Score 2025
Axes · tick = 2024
Profitability100▲+21
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25,000 at 30 days acceptable
Liquidity ample (current ratio 5.65 against 5.07 in 2024; short-term debt: 16.5% and cash: 0% of total assets), and 16.5% of the assets are financed with debt.
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 66 years 0 70 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
83.5%
Return on assets
26.4%
Age of the figures
9 mo
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies more bankruptcies →
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 15-06-2026, 46 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
46 d early
2024
28 d early
2023
49 d early
2022
47 d early
2021
122 d early
2020
71 d early
2019
15 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 54 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.

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. Usually files around 14 June (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

A T B was incorporated on 27 October 1959.1 Total assets went from EUR 353,621 in 2018 to EUR 379,947 in 2025 and headcount from 3.8 to 3.8 full-time equivalents.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2025

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Financials · fiscal year 2025, abbreviated schema

Equity
€317,406▲ 46.2%
2024 · €217,151
Total assets
€379,947▲ 41.0%
2024 · €269,488
Net result
€100,255▲ 354%
2024 · €22,084
Working capital
€291,010▲ 36.8%
2024 · €212,768
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result€253,464▲ 64.4%€131,768▼ 48.0%€366,977▲ 179%€36,522▼ 90.0%€134,675▲ 269%
Net result€186,539above the sector's middle half▲ 65.5%€90,989within the sector's middle half▼ 51.2%€266,935above the sector's middle half▲ 193%€22,084within the sector's middle half▼ 91.7%€100,255within the sector's middle half▲ 354%
Equity€587,143within the sector's middle half▲ 46.6%€228,132within the sector's middle half▼ 61.1%€495,067within the sector's middle half▲ 117%€217,151within the sector's middle half▼ 56.1%€317,406within the sector's middle half▲ 46.2%
Total assets€628,333within the sector's middle half▲ 46.2%€292,352below the sector's middle half▼ 53.5%€574,553below the sector's middle half▲ 96.5%€269,488below the sector's middle half▼ 53.1%€379,947below the sector's middle half▲ 41.0%
Debt€41,190▲ 41.8%€64,220▲ 55.9%€79,486▲ 23.8%€52,337▼ 34.2%€62,541▲ 19.5%
Working capital€582,616within the sector's middle half▲ 48.6%€225,211within the sector's middle half▼ 61.3%€493,404within the sector's middle half▲ 119%€212,768within the sector's middle half▼ 56.9%€291,010within the sector's middle half▲ 36.8%
Solvency93.4%above the sector's middle half▲ 0.2pp78.0%above the sector's middle half▼ 15.4pp86.2%above the sector's middle half▲ 8.1pp80.6%above the sector's middle half▼ 5.6pp83.5%above the sector's middle half▲ 3.0pp
Current ratio15.14above the sector's middle half▲ 0.644.51above the sector's middle half▼ 10.647.21above the sector's middle half▲ 2.705.07above the sector's middle half▼ 2.145.65above the sector's middle half▲ 0.59
Return on assets (ROA)29.7%above the sector's middle half▲ 3.5pp31.1%above the sector's middle half▲ 1.4pp46.5%above the sector's middle half▲ 15.3pp8.2%within the sector's middle half▼ 38.3pp26.4%above the sector's middle half▲ 18.2pp
Staff (FTE)3.2within the sector's middle half▲ 10.3%4.6within the sector's middle half▲ 43.8%4.8within the sector's middle half▲ 4.3%4.4within the sector's middle half▼ 8.3%3.8within the sector's middle half▼ 13.6%
above within below the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
€0€100,000€200,000€300,000€400,000Operating result 2021: €253,464€253,464Net result 2021: €186,539€186,539Operating result 2022: €131,768€131,768Net result 2022: €90,989€90,989Operating result 2023: €366,977€366,977Net result 2023: €266,935€266,935Operating result 2024: €36,522€36,522Net result 2024: €22,084€22,084Operating result 2025: €134,675€134,675Net result 2025: €100,255€100,25520212022202320242025€0€100,000€200,000€300,000€400,000Operating result 2023: €366,977€367,000Net result 2023: €266,935€267,000Operating result 2024: €36,522€36,500Net result 2024: €22,084€22,100Operating result 2025: €134,675€135,000Net result 2025: €100,255€100,000202320242025
The operating result recovers in 2025; 2025 is 269% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €379,947
Fixed assets €26,396 ▲ 502%
Current assets €353,551 ▲ 33.4%
Equity and liabilities €379,947
Equity €317,406 ▲ 46.2%
Debt €62,541 ▲ 19.5%
Debt's share of the balance-sheet total falls from 19.4% to 16.5%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
€136,932▲
2024 · €37,875
Cash flow
€102,512▲
2024 · €23,437
Debt to equity
0.20▼
2024 · 0.24
ROE
31.6%▲
2024 · 10.2%
Interest coverage
40.19▲
2024 · 13.50
Debt ≤ 1 year
€62,541▲
2024 · €52,337
Income taxes
€37,558▲
2024 · €15,400
Staff costs
€292,151▼
2024 · €323,947
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 31,370 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 93% are still going.

  • Micro
  • 20 years or older
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.5% went bankrupt
5.9% stopped otherwise
93% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.9%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 31,370 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet Code20242025
Assets
Total assets20/58€269,488€379,947▲
Fixed assets21/28€4,383€26,396▲
Tangible fixed assets22/27€4,147€26,321▲
Furniture and vehicles24€4,147€26,321▲
Financial fixed assets28€236€75▼
Current assets29/58€265,105€353,551▲
Amounts receivable within one year40/41€257,059€353,491▲
Trade receivables40€53,610€125,921▲
Other amounts receivable41€203,449€227,570▲
Cash at bank and in hand54/58€21€21=
Deferred charges and accrued income490/1€8,025€39▼
Equity and liabilities
Total equity and liabilities10/49€269,488€379,947▲
Equity10/15€217,151€317,406▲
Contributions10/11€61,973€61,973=
Capital10€61,973€61,973=
Issued capital100€61,973€61,973=
Reserves13€6,197€6,197=
Non-distributable reserves130/1€6,197€6,197=
Legal reserve130€6,197€6,197=
Profit (loss) carried forward14€148,981€249,236▲
Amounts payable17/49€52,337€62,541▲
Amounts payable within one year42/48€52,337€62,541▲
Financial debts43€212€212=
Credit institutions430/8€212€212=
Trade debts44€17,018€16,551▼
Suppliers440/4€17,018€16,551▼
Taxes, remuneration and social security45€35,107€45,778▲
Taxes450/3€3,600€12,958▲
Remuneration and social security454/9€31,507€32,820▲
Income statement Code20242025
Remuneration, social security and pensions62€323,947€292,151▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,353€2,257▲
Other operating charges640/8€445€458▲
Gross operating margin9900€362,267€429,541▲
Operating profit (loss)9901€36,522€134,675▲
Financial income75/76B€3,767€6,545▲
Recurring financial income75€3,767€6,545▲
Financial charges65/66B€2,805€3,407▲
Recurring financial charges65€2,805€3,407▲
Profit (loss) for the period before taxes9903€37,484€137,813▲
Income taxes67/77€15,400€37,558▲
Profit (loss) for the period9904€22,084€100,255▲
Profit (loss) for the period to be appropriated9905€22,084€100,255▲
Appropriation of the result
Profit (loss) to be appropriated9906€448,981€249,236▼
Profit (loss) brought forward from the previous period14P€426,897€148,981▼
Profit to be distributed694/7€300,000-
Return on contributions (dividend)694€300,000-
Social balance
Average headcount (FTE)90874.43.8▼

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Remuneration, social security and pensions62-€307,151€337,949€323,947€292,151▼ 9.8%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3,896€2,415€2,066€1,353€2,257▲ 66.8%
Other operating charges640/8-€348€434€445€458▲ 2.9%
Gross operating margin9900€476,840€441,682€707,426€362,267€429,541▲ 18.6%
Operating profit (loss)9901€253,464€131,768€366,977€36,522€134,675▲ 269%
Financial income75/76B---€3,767€6,545▲ 73.7%
Recurring financial income75---€3,767€6,545▲ 73.7%
Financial charges65/66B-€3,390€3,427€2,805€3,407▲ 21.5%
Recurring financial charges65€934€3,390€3,427€2,805€3,407▲ 21.5%
Profit (loss) for the period before taxes9903€252,530€128,378€363,550€37,484€137,813▲ 268%
Income taxes67/77€65,991€37,389€96,615€15,400€37,558▲ 144%
Profit (loss) for the period9904€186,539€90,989€266,935€22,084€100,255▲ 354%
Profit (loss) for the period to be appropriated9905€186,539€90,989€266,935€22,084€100,255▲ 354%
Line20212022202320242025Change
Assets
Total assets20/58€628,333€292,352€574,553€269,488€379,947▲ 41.0%
Fixed assets21/28€4,527€2,921€1,663€4,383€26,396▲ 502%
Tangible fixed assets22/27€4,291€2,685€1,427€4,147€26,321▲ 535%
Furniture and vehicles24-€2,685€1,427€4,147€26,321▲ 535%
Financial fixed assets28€236€236€236€236€75▼ 68.2%
Current assets29/58€623,806€289,431€572,890€265,105€353,551▲ 33.4%
Amounts receivable within one year40/41€106,679€138,359€118,247€257,059€353,491▲ 37.5%
Trade receivables40-€134,353€96,611€53,610€125,921▲ 135%
Other amounts receivable41-€4,006€21,636€203,449€227,570▲ 11.9%
Cash at bank and in hand54/58€509,106€142,964€446,622€21€21=
Deferred charges and accrued income490/1-€8,108€8,021€8,025€39▼ 99.5%
Equity and liabilities
Total equity and liabilities10/49€628,333€292,352€574,553€269,488€379,947▲ 41.0%
Equity10/15€587,143€228,132€495,067€217,151€317,406▲ 46.2%
Contributions10/11€61,973€61,973€61,973€61,973€61,973=
Capital10-€61,973€61,973€61,973€61,973=
Issued capital100-€61,973€61,973€61,973€61,973=
Reserves13€6,197€6,197€6,197€6,197€6,197=
Non-distributable reserves130/1-€6,197€6,197€6,197€6,197=
Legal reserve130-€6,197€6,197€6,197€6,197=
Profit (loss) carried forward14€518,973€159,962€426,897€148,981€249,236▲ 67.3%
Amounts payable17/49€41,190€64,220€79,486€52,337€62,541▲ 19.5%
Amounts payable within one year42/48€41,190€64,220€79,486€52,337€62,541▲ 19.5%
Financial debts43---€212€212=
Credit institutions430/8---€212€212=
Trade debts44€15,419€10,185€15,973€17,018€16,551▼ 2.7%
Suppliers440/4-€10,185€15,973€17,018€16,551▼ 2.7%
Taxes, remuneration and social security45-€54,035€63,513€35,107€45,778▲ 30.4%
Taxes450/3-€14,988€20,965€3,600€12,958▲ 260%
Remuneration and social security454/9-€39,047€42,548€31,507€32,820▲ 4.2%
Line20212022202320242025Change
Profit (loss) for the period9904€186,539€90,989€266,935€22,084€100,255▲ 354%
+ Depreciation and write-downs630€3,896€2,415€2,066€1,353€2,257▲ 66.8%
Operating cash flow (approximation)€190,435€93,404€269,001€23,437€102,512▲ 337%
Investment in fixed assets (approximation)--€809-€808-€4,073-€24,270▼ 496%
Change in cash--€366,142€303,658-€446,601€0▲ 100%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
15-06
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
03-07
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial Weakest financial yearnet €22,084 ▼91.7%
Net result drops to €22,084, the lowest in the series; recovery starts the following year.
12-06
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial Highest result since 2018net €266,935 ▲193%
Operating result €366,977, net result €266,935, both a record.
14-06
NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-03
NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial Equity above €500,000Eq €587,143 ▲46.6%
4 profitable years in a row build equity to €587,143.
21-05
NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial Liquidity doublescurrent ratio 14.50
Current ratio from 6.92 to 14.50; short-term debt falls from €46,525 to €29,046.
16-07
NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial Liquidity times 5current ratio 6.92
Current ratio from 1.52 to 6.92; short-term debt falls from €229,556 to €46,525.
Show earlier events
31-12
Financial Equity above €200,000Eq €287,889 ▲132%
2 profitable years in a row build equity to €287,889.
26-07
NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
03-07
NBB filing Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
20-06
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.
0 of 6 acts read
About the unread acts

We know of 6 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.

Directors · office · real estate

Directors
6 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, Sint-Pieters-Leeuw · 1 establishment unit since 1959
seat establishment approximate The establishment unit on the map
Ground area
799 m²
Building footprint
192 m²
Volume, LiDAR
757 m³
Parcel 23582E0353/00B000, Flanders · tallest building 6.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
ATB
Bergensesteenweg 106A, 1600 Sint-Pieters-LeeuwWholesale trade
since 19592.006.742.136
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
23582E0353/00B000indicative Flanders 799 m² 1 · 192 m² 6.0 m · 1 fl.
Linked by address, not proof of ownership
Good to know
0 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

Of 827 companies in sector 46620 we hold annual accounts for 644. 511 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPublic limited company
Founded27-10-1959
Fiscal year end31-12
Activities, NACEBEL 2025
46620Wholesale of machine tools
46643Wholesale of electrical equipment, including installation materials
E-invoicing
Reachable via Peppol
Peppol ID 0208:0402896923
Also 9925:BE0402896923
Registered 18-12-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 29 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.