Atelier Caffè
ActiveSummary
The computed 12-month bankruptcy probability of Atelier Caffè is 1.7% (moderate). The 2025 annual accounts show equity of €66,213 and a net result of €4,228. Equity is growing by ~23.6% per year across the filed fiscal years. Its solvency ranks better than 25% of 11508 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability56▼-14
Solvency33=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,000 at 30 days acceptable
Liquidity tight (current ratio 1.3 against 1.04 in 2024; short-term debt: 42.2% and cash: 2.2% of total assets), and 91.8% of the assets are financed with debt.
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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 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← 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
8.2%
Return on assets
0.5%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 11508 sector peers (2025).
NBB · sector comparisonPosition among 11508 sector peers
Solvency
better than 25%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 28-05-2026, 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 · 5 filingsDeviation from the deadline
2025
28 d late
2024
on the day
2023
1 d early
2022
193 d late
2021
32 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 38 days after 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 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 30 April (4 of the last 5 filed years within 32 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€66,213▲ 6.8%
2024 · €61,985
Total assets
€810,678▲ 5.0%
2024 · €772,163
Net result
€4,228▼ 58.7%
2024 · €10,244
Working capital
€102,769▲ 517%
2024 · €16,665
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€9,963-€23,841▲ 139%€32,671▲ 37.0%€28,213▼ 13.6%€26,864▼ 4.8%
Net result€6,243within the sector's middle half-€14,403within the sector's middle half▲ 131%€16,095within the sector's middle half▲ 11.7%€10,244within the sector's middle half▼ 36.4%€4,228within the sector's middle half▼ 58.7%
Equity€21,243within the sector's middle half-€35,646below the sector's middle half▲ 67.8%€51,741within the sector's middle half▲ 45.2%€61,985within the sector's middle half▲ 19.8%€66,213within the sector's middle half▲ 6.8%
Total assets€136,953within the sector's middle half-€713,412within the sector's middle half▲ 421%€786,139above the sector's middle half▲ 10.2%€772,163above the sector's middle half▼ 1.8%€810,678above the sector's middle half▲ 5.0%
Debt€115,710-€677,765▲ 486%€734,398▲ 8.4%€710,178▼ 3.3%€744,464▲ 4.8%
Working capital€14,787within the sector's middle half-€36,677below the sector's middle half▲ 148%€51,915within the sector's middle half▲ 41.5%€16,665within the sector's middle half▼ 67.9%€102,769within the sector's middle half▲ 517%
Solvency15.5%within the sector's middle half-5.0%below the sector's middle half▼ 10.5pp6.6%below the sector's middle half▲ 1.6pp8.0%within the sector's middle half▲ 1.4pp8.2%below the sector's middle half▲ 0.1pp
Current ratio1.13within the sector's middle half-1.11below the sector's middle half▼ 0.021.16within the sector's middle half▲ 0.051.04within the sector's middle half▼ 0.111.30within the sector's middle half▲ 0.26
Return on assets (ROA)4.6%within the sector's middle half-2.0%within the sector's middle half▼ 2.5pp2.0%within the sector's middle half=1.3%within the sector's middle half▼ 0.7pp0.5%within the sector's middle half▼ 0.8pp
Staff (FTE)0.3-0.7below the sector's middle half▲ 133%0.7=1.5▲ 114%1.9▲ 26.7%
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 or 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 5% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €810,678
Fixed assets
€366,142 ▼ 2.0%
Current assets
€444,535 ▲ 11.5%
Equity and liabilities €810,678
Equity
€66,213 ▲ 6.8%
Debt
€744,464 ▲ 4.8%
Debt's share of the balance-sheet total falls from 92.0% to 91.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€96,104▲
2024 · €85,876
Cash flow
€73,468▲
2024 · €67,907
Quick ratio
0.35▲
2024 · 0.32
Debt to equity
11.24▼
2024 · 11.46
ROE
6.4%▼
2024 · 16.5%
Interest coverage
4.36▼
2024 · 6.41
Debt ≤ 1 year
€341,766▼
2024 · €381,967
Debt > 1 year
€402,698▲
2024 · €328,211
Income taxes
€1,559▼
2024 · €4,893
Staff costs
€98,734▲
2024 · €66,854
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,251 companies that looked in July 2024 the way this one looks now, 2.6% went bankrupt within 24 months and 94% are still going.
- Micro
- 5 to 10 years old
- solvency under 10%
- a profit under 5% of the balance sheet
2.6%
went bankrupt
2.7%
stopped otherwise
94%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.7% 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%.
| 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 1,251 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €32,595 | €35,330 | €66,854 | €98,734 | ▲ 47.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,744 | €20,253 | €45,540 | €57,663 | €69,240 | ▲ 20.1% |
| Other operating charges640/8 | - | €2,866 | €3,003 | €2,966 | €3,854 | ▲ 30.0% |
| Gross operating margin9900 | €19,656 | €79,555 | €116,544 | €155,696 | €198,693 | ▲ 27.6% |
| Operating profit (loss)9901 | €9,963 | €23,841 | €32,671 | €28,213 | €26,864 | ▼ 4.8% |
| Financial income75/76B | - | - | €16 | €312 | €975 | ▲ 212% |
| Recurring financial income75 | €74 | - | €16 | €312 | €975 | ▲ 212% |
| Financial charges65/66B | - | €4,179 | €8,654 | €13,388 | €22,052 | ▲ 64.7% |
| Recurring financial charges65 | €1,513 | €4,179 | €8,654 | €13,388 | €22,052 | ▲ 64.7% |
| Profit (loss) for the period before taxes9903 | €8,524 | €19,662 | €24,032 | €15,137 | €5,787 | ▼ 61.8% |
| Income taxes67/77 | €2,280 | €5,259 | €7,937 | €4,893 | €1,559 | ▼ 68.1% |
| Profit (loss) for the period9904 | €6,243 | €14,403 | €16,095 | €10,244 | €4,228 | ▼ 58.7% |
| Profit (loss) for the period to be appropriated9905 | €6,243 | €14,403 | €16,095 | €10,244 | €4,228 | ▼ 58.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €136,953 | €713,412 | €786,139 | €772,163 | €810,678 | ▲ 5.0% |
| Fixed assets21/28 | €6,457 | €342,172 | €401,645 | €373,532 | €366,142 | ▼ 2.0% |
| Intangible fixed assets21 | - | €318,250 | €344,802 | €305,142 | €265,481 | ▼ 13.0% |
| Tangible fixed assets22/27 | €6,457 | €23,922 | €56,842 | €68,390 | €100,661 | ▲ 47.2% |
| Plant, machinery and equipment23 | - | €9,123 | €19,176 | €39,641 | €59,758 | ▲ 50.7% |
| Furniture and vehicles24 | - | - | - | - | €21,072 | - |
| Leasing and similar rights25 | - | €14,799 | €37,666 | €28,749 | €19,831 | ▼ 31.0% |
| Current assets29/58 | €130,496 | €371,239 | €384,495 | €398,632 | €444,535 | ▲ 11.5% |
| Stocks and contracts in progress3 | €87,357 | €200,582 | €223,101 | €276,723 | €326,528 | ▲ 18.0% |
| Stocks30/36 | - | €200,582 | €223,101 | €276,723 | €326,528 | ▲ 18.0% |
| Amounts receivable within one year40/41 | €15,366 | €143,717 | €128,377 | €114,595 | €100,012 | ▼ 12.7% |
| Trade receivables40 | - | €133,173 | €121,408 | €112,860 | €98,794 | ▼ 12.5% |
| Other amounts receivable41 | - | €10,544 | €6,970 | €1,736 | €1,218 | ▼ 29.8% |
| Current investments50/53 | €27,501 | - | - | - | - | - |
| Cash at bank and in hand54/58 | - | €26,655 | €33,017 | €7,314 | €17,996 | ▲ 146% |
| Deferred charges and accrued income490/1 | - | €285 | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €136,953 | €713,412 | €786,139 | €772,163 | €810,678 | ▲ 5.0% |
| Equity10/15 | €21,243 | €35,646 | €51,741 | €61,985 | €66,213 | ▲ 6.8% |
| Contributions10/11 | €15,000 | €15,000 | €15,000 | €15,000 | €15,000 | = |
| Reserves13 | €6,243 | €20,646 | €36,741 | €46,985 | €51,213 | ▲ 9.0% |
| Distributable reserves133 | - | €20,646 | €36,741 | €46,985 | €51,213 | ▲ 9.0% |
| Amounts payable17/49 | €115,710 | €677,765 | €734,398 | €710,178 | €744,464 | ▲ 4.8% |
| Amounts payable after more than one year17 | - | €343,203 | €401,818 | €328,211 | €402,698 | ▲ 22.7% |
| Financial debts170/4 | - | €343,203 | €401,818 | €328,211 | €402,698 | ▲ 22.7% |
| Amounts payable within one year42/48 | €115,710 | €334,562 | €332,579 | €381,967 | €341,766 | ▼ 10.5% |
| Current portion of amounts payable after more than one year42 | - | €22,637 | €40,618 | €61,062 | €49,052 | ▼ 19.7% |
| Trade debts44 | €111,094 | €253,465 | €220,701 | €283,071 | €262,561 | ▼ 7.2% |
| Suppliers440/4 | - | €253,465 | €220,701 | €283,071 | €262,561 | ▼ 7.2% |
| Advances received on contracts in progress46 | - | €1,764 | €3,549 | - | €310 | - |
| Taxes, remuneration and social security45 | - | €6,697 | €17,711 | €4,684 | €9,693 | ▲ 107% |
| Taxes450/3 | - | €5,147 | €13,052 | €200 | €1,559 | ▲ 681% |
| Remuneration and social security454/9 | - | €1,550 | €4,659 | €4,484 | €8,133 | ▲ 81.4% |
| Other amounts payable47/48 | - | €50,000 | €50,000 | €33,150 | €20,150 | ▼ 39.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6,243 | €14,403 | €16,095 | €10,244 | €4,228 | ▼ 58.7% |
| + Depreciation and write-downs630 | €1,744 | €20,253 | €45,540 | €57,663 | €69,240 | ▲ 20.1% |
| Operating cash flow (approximation) | €7,987 | €34,656 | €61,635 | €67,907 | €73,468 | ▲ 8.2% |
| Investment in fixed assets (approximation) | - | -€355,968 | -€105,012 | -€29,550 | -€61,851 | ▼ 109% |
| Change in cash | - | - | €6,361 | -€25,703 | €10,682 | ▲ 142% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
30-09
Financial
Weakest financial yearnet €4,228 ▼58.7%
Net result drops to €4,228, the lowest in the series.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
09-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 193 days late
30-09
Financial
Highest result since 2021net €16,095 ▲11.7%
Operating result €32,671, net result €16,095, both a record.
2022
29-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Antwerpen · 2 establishment units since 2020
Ground area
1,477 m²
Building footprint
498 m²
Volume, LiDAR
7,312 m³
2 parcels, Flanders · tallest building 25.4 m, ±7 floors. Linked by address, not a title deed.
52
companies at this address
See who is registered here
2 establishment units
Atelier Caffè
since 20202.305.792.344
Atelier Caffè
since 20222.333.478.718
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11803C1031/00N003 | Flanders | 888 m² | 1 · 342 m² | 25.4 m · 7 fl. |
| 13453O0568/00E002 | Flanders | 589 m² | 1 · 156 m² | 10.6 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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
2 sitesAntwerpen2.305.792.344
Turnhout2.333.478.718
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Of 404 companies in sector 46370 we hold annual accounts for 210. 140 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded12-08-2020
Fiscal year end30-09
Activities, NACEBEL 2025
46370Wholesale trade
47279Other retail sale of food
46641Wholesale trade
47120Other non-specialised retail sale
77223Rental and leasing activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0752526691
Registered
20-11-2020
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.