ATELIER CONCEPT
ActiveATELIER CONCEPT has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €128k and a net result of €24k. Equity is growing by ~23.8% per year across the filed fiscal years. Its solvency ranks better than 37% of 13898 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability92▼-8
Solvency10▲+1
Growth52=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity short (current ratio 0.13 against 0.16 in 2024), and 84.9% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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
15.1%
Return on assets
2.8%
Age of the figures
11 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
44 d late
2022
19 d early
2021
12 d late
2020
325 d late
2019
237 d late
2018
6 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
14-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€24k▲ 7.8%
2024 · €22k
2018: €25k
2019: €7k
2020: €2k
2021: €5k
2022: €19k
2024: €22k
2018 → 2025
Working capital
€-256k▼ 21.2%
2024 · €-211k
2018: €-59k
2019: €-71k
2020: €-138k
2021: €-161k
2022: €-211k
2024: €-211k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220242025Trend
Equity€38k-€43k▲ 13.7%€62k▲ 45.0%€105k▲ 68.4%€128k▲ 22.6%
Operating result€11k-€15k▲ 43.2%€34k▲ 121%€46k▲ 37.9%€47k▲ 0.8%
Net result€2k-€5k▲ 212%€19k▲ 273%€22k▲ 14.0%€24k▲ 7.8%
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 1% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €852k
Fixed assets
€815k▲ 11.8%
Current assets
€37k▼ 7.4%
Equity and liabilities €852k
Equity
€128k▲ 22.6%
Debt
€724k▲ 9.0%
The debt ratio falls from 86.4% to 84.9%: equity grows faster than debt.
Key figures and ratios
EBITDA
€74k▼
2024 · €96k
Cash flow
€51k▼
2024 · €72k
Solvency
15.1%▲
2024 · 13.6%
Current ratio
0.13▼
2024 · 0.16
Quick ratio
0.13▼
2024 · 0.16
Debt / equity
5.63▼
2024 · 6.34
ROE
18.4%▼
2024 · 21.0%
ROA
2.8%▼
2024 · 2.9%
Interest coverage
5.30▼
2024 · 6.44
Debt
€724k▲
2024 · €664k
Debt ≤ 1 year
€293k▲
2024 · €251k
Debt > 1 year
€431k▲
2024 · €413k
Income taxes
€9k▼
2024 · €9k
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€769k€852k▲
Fixed assets21/28€729k€815k▲
Tangible fixed assets22/27€729k€815k▲
Land and buildings22€597k€577k▼
Plant, machinery and equipment23€110k€196k▲
Furniture and vehicles24€22k€42k▲
Current assets29/58€40k€37k▼
Amounts receivable within one year40/41€6k€665▼
Trade receivables40€6k€665▼
Cash at bank and in hand54/58€34k€33k▼
Deferred charges and accrued income490/1€1€4k▲
Equity and liabilities
Total equity and liabilities10/49€769k€852k▲
Equity10/15€105k€128k▲
Contributions10/11€15k€15k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€88k€112k▲
Amounts payable17/49€664k€724k▲
Amounts payable after more than one year17€413k€431k▲
Financial debts170/4€413k€431k▲
Amounts payable within one year42/48€251k€293k▲
Current portion of amounts payable after more than one year42€60k€53k▼
Trade debts44€20k€52k▲
Suppliers440/4€20k€52k▲
Advances received on contracts in progress46€332€332=
Taxes, remuneration and social security45€16k€14k▼
Taxes450/3€16k€14k▼
Other amounts payable47/48€155k€174k▲
Accrued charges and deferred income492/3-€1
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€50k€27k▼
Other operating charges640/8€22k€26k▲
Non-recurring operating charges66A€166€3k▲
Gross operating margin9900€119k€103k▼
Operating profit (loss)9901€46k€47k▲
Financial charges65/66B€15k€14k▼
Recurring financial charges65€15k€14k▼
Non-recurring financial charges66B€383€200▼
Profit (loss) for the period before taxes9903€31k€33k▲
Income taxes67/77€9k€9k▼
Profit (loss) for the period9904€22k€24k▲
Profit (loss) for the period to be appropriated9905€22k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€88k€112k▲
Profit (loss) brought forward from the previous period14P€66k€88k▲
The notes to these accounts (6 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
13-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 44 days late
2024
30-09
Financial
Equity above €100kEq €105k ▲68.4%
6 profitable years in a row build equity to €105k.
2023
11-04
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
12-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 12 days late
21-03
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 325 days late
2020
23-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 237 days late
30-09
Financial
Weakest financial yearnet €2k ▼76.9%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
2019
06-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 6 days late
2018
30-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
03-04
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
08-04
NBB filing
Annual accounts filed
fiscal year 2015 · full 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, La Louvière · 1 establishment unit since 2016
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 des Ateliers(PIE) 50/27100 La LouvièreGround area
768 m²
Building footprint
196 m²
Volume, LiDAR
608 m³
2 parcels, Wallonia · tallest building 13.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Grand Place(PIE) 8, 7100 La Louvière
since 20162.265.428.169
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56033A0645/00P004 | Wallonia | 472 m² | 1 · 61 m² | 13.7 m · 3 fl. |
| 56033A0630/00L003 | Wallonia | 297 m² | 1 · 135 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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CANAL CONSTRUCT
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ULPIA
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Of 9,635 companies in sector 68121 we hold annual accounts for 7,328. 5,297 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-10-2013
Fiscal year end30-09
Activities, NACEBEL
68121Development of residential building projects
41001General construction of residential buildings
43110Demolition
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.