ate Lier
ActiveThe computed 12-month bankruptcy probability of ate Lier is 1.7% (moderate). The 2025 annual accounts show equity of €74k and a net result of €10k. Equity is growing by ~24.1% per year across the filed fiscal years. Its solvency ranks better than 61% of 18120 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-6
Solvency72▼-4
Growth52=
Track record94
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.33 against 2.62 in 2024; short-term debt: 26% and cash: 30.1% of total assets), but 53.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
46.8%
Return on assets
6.4%
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 30-06-2026, 31 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
31 d early
2024
25 d late
2023
29 d late
2022
5 d early
← before the deadline
after the deadline →
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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€133k
EBIT margin
12.9%
Net result
€10k▼ 29.9%
2024 · €14k
2022: €15k
2023: €15k
2024: €14k
2022 → 2025
Working capital
€54k▼ 0.8%
2024 · €55k
2022: €47k
2023: €45k
2024: €55k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€133k-
Equity€35k-€49k▲ 42.8%€64k▲ 28.9%€74k▲ 15.7%
Operating result€17k-€24k▲ 38.2%€21k▼ 10.2%€17k▼ 19.3%
Net result€15k-€15k▲ 1.7%€14k▼ 3.7%€10k▼ 29.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 19% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €157k
Fixed assets
€62k▲ 71.3%
Current assets
€95k▲ 7.4%
Equity and liabilities €157k
Equity
€74k▲ 15.7%
Debt
€84k▲ 36.6%
The debt ratio rises from 49.1% to 53.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€36k▲
2024 · €32k
Cash flow
€28k▲
2024 · €25k
Solvency
46.8%▼
2024 · 50.9%
Current ratio
2.33▼
2024 · 2.62
Quick ratio
1.51▼
2024 · 1.78
Debt / equity
1.14▲
2024 · 0.96
ROE
13.6%▼
2024 · 22.4%
ROA
6.4%▼
2024 · 11.4%
Interest coverage
8.39▼
2024 · 15.07
Debt
€84k▲
2024 · €61k
Debt ≤ 1 year
€41k▲
2024 · €34k
Debt > 1 year
€41k▲
2024 · €27k
Income taxes
€3k▼
2024 · €5k
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€125k€157k▲
Fixed assets21/28€36k€62k▲
Tangible fixed assets22/27€36k€62k▲
Plant, machinery and equipment23€39€0▼
Furniture and vehicles24€21k€12k▼
Leasing and similar rights25-€36k
Other tangible fixed assets26€15k€14k▼
Current assets29/58€89k€95k▲
Stocks and contracts in progress3€28k€34k▲
Stocks30/36€28k€34k▲
Amounts receivable within one year40/41€2k€2k▼
Trade receivables40€2k€2k▼
Current investments50/53-€10k
Cash at bank and in hand54/58€58k€47k▼
Deferred charges and accrued income490/1€0€2k▲
Equity and liabilities
Total equity and liabilities10/49€125k€157k▲
Equity10/15€64k€74k▲
Contributions10/11€20k€20k=
Reserves13€44k€54k▲
Distributable reserves133€44k€54k▲
Amounts payable17/49€61k€84k▲
Amounts payable after more than one year17€27k€41k▲
Financial debts170/4€27k€41k▲
Amounts payable within one year42/48€34k€41k▲
Current portion of amounts payable after more than one year42€15k€23k▲
Trade debts44€469€3k▲
Suppliers440/4€469€3k▲
Taxes, remuneration and social security45€8k€4k▼
Taxes450/3€8k€4k▼
Other amounts payable47/48€11k€11k▼
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€18k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€33k€37k▲
Operating profit (loss)9901€21k€17k▼
Financial income75/76B€23€226▲
Recurring financial income75€23€226▲
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€4k▲
Profit (loss) for the period before taxes9903€19k€13k▼
Income taxes67/77€5k€3k▼
Profit (loss) for the period9904€14k€10k▼
Profit (loss) for the period to be appropriated9905€14k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€10k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€14k€10k▼
To other reserves6921€14k€10k▼
The notes to these accounts (7 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €10k ▼29.9%
Net result drops to €10k, the lowest in the series.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Highest result since 2022net €15k ▲1.7%
Operating result €24k, net result €15k, both a record.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Lier · 1 establishment unit since 2021
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.
Antwerpsesteenweg 1982500 LierGround area
444 m²
Building footprint
346 m²
Volume, LiDAR
1,691 m³
Parcel 12392A0519/00B008, Flanders · tallest building 11.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
ate Lier
since 20212.324.944.302
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12392A0519/00B008 | Flanders | 444 m² | 1 · 346 m² | 11.9 m · 1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLier2.324.944.302
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Of 3,386 companies in sector 47761 we hold annual accounts for 1,156. 889 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-11-2021
Fiscal year end31-12
Activities, NACEBEL
47761Retail sale of flowers, plants, seeds and fertilisers
47120Other non-specialised retail sale
47251Retail sale of wines and spirits
47551Retail sale of household furniture
47591Retail trade
47910Retail trade
74104Other professional, scientific and technical activities
74130Interior design
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.