Atelier 22
ActiveAtelier 22 has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €294k and a net result of €59k. Equity is growing by ~19.1% per year across the filed fiscal years. Its solvency ranks better than 81% of 7694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▼-3
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 11.26 against 20.44 in 2024; short-term debt: 6.9% and cash: 42.7% of total assets), and 17.5% 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
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 →
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
82.5%
Return on assets
16.6%
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 28-08-2026, 28 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 · 4 filingsDeviation from the deadline
2025
28 d late
2024
29 d early
2023
34 d early
2022
70 d late
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€294k=
2024 · €294k
2022: €161k
2023: €238k
2024: €294k
2022 → 2025
Total assets
€357k▲ 16.1%
2024 · €308k
2022: €213k
2023: €261k
2024: €308k
2022 → 2025
Net result
€59k▲ 4.1%
2024 · €57k
2022: €141k
2023: €77k
2024: €57k
2022 → 2025
Working capital
€253k▲ 1.5%
2024 · €249k
2022: €142k
2023: €176k
2024: €249k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€161k-€238k▲ 47.7%€294k▲ 23.9%€294k=
Operating result€195k-€106k▼ 45.8%€78k▼ 26.4%€80k▲ 2.9%
Net result€141k-€77k▼ 45.5%€57k▼ 25.9%€59k▲ 4.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 3% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €357k
Fixed assets
€79k▲ 74.3%
Current assets
€278k▲ 5.9%
Equity and liabilities €357k
Equity
€294k=
Debt
€63k▲ 372%
The debt ratio rises from 4.3% to 17.5%. Debt is higher.
Key figures and ratios
EBITDA
€101k▲
2024 · €95k
Cash flow
€80k▲
2024 · €73k
Solvency
82.5%▼
2024 · 95.7%
Current ratio
11.26▼
2024 · 20.44
Quick ratio
11.26▼
2024 · 20.44
Debt / equity
0.21▲
2024 · 0.05
ROE
20.1%▲
2024 · 19.3%
ROA
16.6%▼
2024 · 18.5%
Interest coverage
84.24▼
2024 · 504.01
Debt
€63k▲
2024 · €13k
Debt ≤ 1 year
€25k▲
2024 · €13k
Debt > 1 year
€38k
Income taxes
€22k▼
2024 · €22k
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€308k€357k▲
Fixed assets21/28€46k€79k▲
Tangible fixed assets22/27€46k€79k▲
Plant, machinery and equipment23€12k€10k▼
Furniture and vehicles24€33k€70k▲
Current assets29/58€262k€278k▲
Amounts receivable within one year40/41€25k€23k▼
Trade receivables40€23k€22k▼
Other amounts receivable41€2k€2k▲
Current investments50/53€160k€101k▼
Cash at bank and in hand54/58€75k€152k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€308k€357k▲
Equity10/15€294k€294k=
Contributions10/11€20k€20k=
Reserves13€274k€274k=
Distributable reserves133€274k€274k=
Profit (loss) carried forward14-€0
Amounts payable17/49€13k€63k▲
Amounts payable after more than one year17-€38k
Financial debts170/4-€38k
Amounts payable within one year42/48€13k€25k▲
Current portion of amounts payable after more than one year42-€11k
Trade debts44€12k€4k▼
Suppliers440/4€12k€4k▼
Taxes, remuneration and social security45€0€10k▲
Taxes450/3€0€10k▲
Other amounts payable47/48€1k€70▼
Accrued charges and deferred income492/3€450€0▼
Income statement
Code20242025
Non-recurring operating income76A-€12k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€21k▲
Other operating charges640/8€795€1k▲
Gross operating margin9900€95k€103k▲
Operating profit (loss)9901€78k€80k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€188€1k▲
Recurring financial charges65€188€1k▲
Profit (loss) for the period before taxes9903€79k€81k▲
Income taxes67/77€22k€22k▼
Profit (loss) for the period9904€57k€59k▲
Profit (loss) for the period to be appropriated9905€57k€59k▲
Appropriation of the result
Profit (loss) to be appropriated9906€57k€59k▲
Transfer from equity791/2-€59k
Transfer to equity691/2€57k€59k▲
To other reserves6921€57k€59k▲
Profit to be distributed694/7-€59k
Return on contributions (dividend)694-€59k
The notes to these accounts (12 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €57k ▼25.9%
Net result drops to €57k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 20.44
Current ratio from 8.46 to 20.44; short-term debt falls from €24k to €13k.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 8.46
Current ratio from 3.70 to 8.46; short-term debt falls from €52k to €24k.
31-12
Financial
Equity above €200kEq €238k ▲47.7%
2 profitable years in a row build equity to €238k.
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Brasschaat · 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.
Molenheide 222930 BrasschaatGround area
736 m²
Building footprint
152 m²
Volume, LiDAR
583 m³
Parcel 11008H0273/00H002, Flanders · tallest building 6.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Naai- en borduurwerken Sandra
since 20212.322.976.289
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11008H0273/00H002 | Flanders | 736 m² | 1 · 152 m² | 6.3 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.
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Of 11,219 companies in sector 82100 we hold annual accounts for 3,512. 2,286 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-09-2021
Fiscal year end31-12
Trade name NL
Naai- en borduurwerken Sandra
Activities, NACEBEL
82100Office administrative and support services
82110Office administrative, office support and other business support activities
14199Manufacture of wearing apparel
14299Manufacture of wearing apparel
47512Retail sale of household textiles and bedding
70200Business and other management consultancy
70220Business consulting
95240Repair and maintenance of furniture and upholstery
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:erik.meys@skynet.be
Phone:03/633.01.78