ATB IMMOBILIER
ActiveThe annual accounts of ATB IMMOBILIER for fiscal year 2024 show a net loss of 680% of total assets and of 90% of the equity at the start of that year. The 2024 annual accounts show equity of €4k and a net result of €-35k. Equity is shrinking by ~27.8% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 71% of 9518 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-34
Solvency97▼-3
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 3.56 against 4.53 in 2023; short-term debt: 28.1% and cash: 63.7% of total assets), and 28.1% 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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
71.9%
Return on assets
-680.4%
Age of the figures
21 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
2021222324
2020 to 2024 · latest year €-35k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-09-2025, 40 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
40 d late
2023
8 d late
2022
374 d late
2021
152 d late
2020
177 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€1k
EBIT margin
-244.3%
Net result
€-35k▼ 5,498%
2023 · €-620
2020: €-24k
2021: €-4k
2022: €-14k
2023: €-620
2020 → 2024
Working capital
€4k▼ 62.0%
2023 · €10k
2020: €-5k
2021: €-5k
2022: €10k
2023: €10k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€1k
Equity€56k-€53k▼ 6.3%€39k▼ 25.8%€38k▼ 1.6%€4k▼ 90.4%
Operating result€-24k-€-3k▲ 85.7%€-14k▼ 295%€-620▲ 95.4%€-33k▼ 5,249%
Net result€-24k-€-4k▲ 85.3%€-14k▼ 285%€-620▲ 95.4%€-35k▼ 5,498%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €33k in 2024 against €620 in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €5k
Equity
€4k▼ 90.4%
Debt
€1k▼ 47.6%
The debt ratio rises from 6.6% to 28.1%. Equity and debt are lower.
Key figures and ratios
Solvency
71.9%▼
2023 · 93.4%
Current ratio
3.56▼
2023 · 4.53
Quick ratio
3.56▼
2023 · 4.53
Debt / equity
0.39▲
2023 · 0.07
ROE
-945.8%▼
2023 · -1.6%
ROA
-680.4%▼
2023 · -1.5%
Debt
€1k▼
2023 · €3k
Debt ≤ 1 year
€1k▼
2023 · €3k
Income taxes
€1k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€41k€5k▼
Fixed assets21/28€29k-
Tangible fixed assets22/27€29k-
Land and buildings22€29k-
Current assets29/58€12k€5k▼
Amounts receivable within one year40/41€12k€2k▼
Trade receivables40€3k-
Other amounts receivable41€9k€2k▼
Cash at bank and in hand54/58€0€3k▲
Equity and liabilities
Total equity and liabilities10/49€41k€5k▼
Equity10/15€38k€4k▼
Contributions10/11€80k€80k=
Profit (loss) carried forward14€-42k€-76k▼
Amounts payable17/49€3k€1k▼
Amounts payable within one year42/48€3k€1k▼
Trade debts44€3k-
Suppliers440/4€3k-
Taxes, remuneration and social security45-€1k
Taxes450/3-€1k
Income statement
Code20232024
Gross operating margin9900€-620€-33k▼
Operating profit (loss)9901€-620€-33k▼
Financial charges65/66B-€111
Recurring financial charges65-€111
Profit (loss) for the period before taxes9903€-620€-33k▼
Income taxes67/77-€1k
Profit (loss) for the period9904€-620€-35k▼
Profit (loss) for the period to be appropriated9905€-620€-35k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-42k€-76k▼
Profit (loss) brought forward from the previous period14P€-41k€-42k▼
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
2025
09-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 40 days late
2024
31-12
Financial
Weakest financial yearnet €-35k
Net result drops to €-35k, the lowest in the series.
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 374 days late
2022
31-12
Financial
Liquidity times 26current ratio 2.78
Current ratio from 0.11 to 2.78.
30-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 152 days late
24-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 177 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
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.
30-09-2025
Touba Ahmed: Resigned as Director
30-09-2025
Touba Nasserdine: Resigned as Director
Location & real-estate footprint
Registered office, Herstal · 1 establishment unit since 2019
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 Saint-Lambert 134040 HerstalGround area
135 m²
Building footprint
77 m²
Volume, LiDAR
822 m³
Parcel 62051D1352/00V000, Wallonia · tallest building 13.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
FORMALEX
since 20192.293.826.603
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62051D1352/00V000 | Wallonia | 135 m² | 1 · 77 m² | 13.7 m · 3 fl. |
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.
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Of 11,225 companies in sector 82100 we hold annual accounts for 3,511. 1,138 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-09-2019
Fiscal year end31-12
Activities, NACEBEL
82100Office administrative and support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.