Atelier & Constructions
ActiveSummary
The computed 12-month bankruptcy probability of Atelier & Constructions is 2.0% (moderate). The annual accounts of Atelier & Constructions for fiscal year 2025 show a net loss of 58% of the equity at the start of that year. The 2025 annual accounts show equity of €22,766 and a net result of -€30,886. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 14% of 851 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
Profitability6▼-19
Solvency32=
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days 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 4.96 against 3.24 in 2024; short-term debt: 17.6% and cash: 51.4% of total assets), but 92.7% of the assets are financed with debt.
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Signals
Eight 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 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
7.3%
Return on assets
-9.9%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
202122232425
2020 to 2025 · latest year -€30,886
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 851 sector peers (2025).
NBB · sector comparisonPosition among 851 sector peers
Solvency
better than 14%
← weakest
strongest →
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 · 6 filingsDeviation from the deadline
2025
31 d early
2024
34 d early
2023
49 d early
2022
46 d early
2021
6 d early
2020
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 23 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 27 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€30,886▼ 88.2%
2024 · -€16,414
Working capital
€217,422▼ 57.3%
2024 · €508,747
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, 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-€80,282▼ 335%€16,151€136,136▲ 743%€36,531▼ 73.2%-€22,323
Net result-€85,007below the sector's middle half▼ 345%€4,652within the sector's middle half€108,025within the sector's middle half▲ 2,222%-€16,414below the sector's middle half-€30,886below the sector's middle half▼ 88.2%
Equity-€42,612below the sector's middle half-€37,960below the sector's middle half▲ 10.9%€70,066within the sector's middle half€53,652below the sector's middle half▼ 23.4%€22,766below the sector's middle half▼ 57.6%
Total assets€478,065within the sector's middle half▲ 144%€521,809within the sector's middle half▲ 9.2%€1.1mwithin the sector's middle half▲ 115%€783,638within the sector's middle half▼ 30.1%€311,186below the sector's middle half▼ 60.3%
Debt€520,676▲ 239%€559,769▲ 7.5%€1.1m▲ 87.7%€729,986▼ 30.5%€288,420▼ 60.5%
Working capital€402,340within the sector's middle half▲ 184%€339,783within the sector's middle half▼ 15.5%€973,354within the sector's middle half▲ 186%€508,747within the sector's middle half▼ 47.7%€217,422within the sector's middle half▼ 57.3%
Solvency-8.9%below the sector's middle half▼ 30.5pp-7.3%below the sector's middle half▲ 1.6pp6.3%below the sector's middle half▲ 13.5pp6.8%below the sector's middle half▲ 0.6pp7.3%below the sector's middle half▲ 0.5pp
Current ratio13.15above the sector's middle half▲ 9.514.59above the sector's middle half▼ 8.5613.12above the sector's middle half▲ 8.533.24above the sector's middle half▼ 9.884.96above the sector's middle half▲ 1.72
Return on assets (ROA)-17.8%below the sector's middle half▼ 8.0pp0.9%within the sector's middle half▲ 18.7pp9.6%within the sector's middle half▲ 8.7pp-2.1%below the sector's middle half▼ 11.7pp-9.9%below the sector's middle half▼ 7.8pp
Staff (FTE)1below the sector's middle half0.5below the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €22,323 after €36,531 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €311,186
Fixed assets
€38,904 ▼ 18.6%
Current assets
€272,282 ▼ 63.0%
Equity and liabilities €311,186
Equity
€22,766 ▼ 57.6%
Debt
€288,420 ▼ 60.5%
Debt's share of the balance-sheet total falls from 93.2% to 92.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€5,507▼
2024 · €58,162
Cash flow
-€14,070▼
2024 · €5,217
Quick ratio
4.21▲
2024 · 0.63
Debt to equity
12.67▼
2024 · 13.61
ROE
-135.7%▼
2024 · -30.6%
Interest coverage
-0.55▼
2024 · 1.09
Debt ≤ 1 year
€54,860▼
2024 · €227,104
Debt > 1 year
€232,922▼
2024 · €501,734
Income taxes
€649
Staff costs
€36,188
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 849 companies that looked in July 2024 the way this one looks now, 3.9% went bankrupt within 24 months and 92% are still going.
- Micro
- 5 to 10 years old
- solvency under 10%
- a small loss
3.9%
went bankrupt
3.3%
stopped otherwise
92%
still going
A further 0.9% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.0% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 849 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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €18,303 | - | €413 | - |
| Remuneration, social security and pensions62 | - | €1,565 | €5 | - | €36,188 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11,968 | €23,566 | €30,339 | €21,631 | €16,816 | ▼ 22.3% |
| Other operating charges640/8 | €685 | €685 | €905 | €731 | €1,518 | ▲ 108% |
| Non-recurring operating charges66A | €1,300 | - | - | - | - | - |
| Gross operating margin9900 | -€66,330 | €41,967 | €167,384 | €58,893 | €32,199 | ▼ 45.3% |
| Operating profit (loss)9901 | -€80,282 | €16,151 | €136,136 | €36,531 | -€22,323 | ▼ 161% |
| Financial income75/76B | €77 | €159 | €653 | €315 | €2,190 | ▲ 595% |
| Recurring financial income75 | €77 | €159 | €653 | €315 | €2,190 | ▲ 595% |
| Financial charges65/66B | €4,801 | €11,658 | €26,608 | €53,260 | €10,104 | ▼ 81.0% |
| Recurring financial charges65 | €4,801 | €11,658 | €26,608 | €53,260 | €10,104 | ▼ 81.0% |
| Profit (loss) for the period before taxes9903 | -€85,007 | €4,652 | €110,181 | -€16,414 | -€30,237 | ▼ 84.2% |
| Income taxes67/77 | - | - | €2,156 | - | €649 | - |
| Profit (loss) for the period9904 | -€85,007 | €4,652 | €108,025 | -€16,414 | -€30,886 | ▼ 88.2% |
| Profit (loss) for the period to be appropriated9905 | -€85,007 | €4,652 | €108,025 | -€16,414 | -€30,886 | ▼ 88.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €478,065 | €521,809 | €1.1m | €783,638 | €311,186 | ▼ 60.3% |
| Fixed assets21/28 | €42,608 | €87,356 | €67,126 | €47,787 | €38,904 | ▼ 18.6% |
| Tangible fixed assets22/27 | €42,042 | €85,610 | €65,380 | €46,041 | €37,158 | ▼ 19.3% |
| Plant, machinery and equipment23 | €28,670 | €71,295 | €49,183 | €37,180 | €28,294 | ▼ 23.9% |
| Furniture and vehicles24 | €13,373 | €10,414 | €12,689 | €5,746 | €6,143 | ▲ 6.9% |
| Other tangible fixed assets26 | - | €3,901 | €3,508 | €3,114 | €2,721 | ▼ 12.6% |
| Financial fixed assets28 | €566 | €1,746 | €1,746 | €1,746 | €1,746 | = |
| Current assets29/58 | €435,457 | €434,453 | €1.1m | €735,851 | €272,282 | ▼ 63.0% |
| Stocks and contracts in progress3 | €405,330 | €381,565 | €932,591 | €592,432 | €41,352 | ▼ 93.0% |
| Stocks30/36 | €405,330 | €381,565 | €932,591 | €592,432 | €41,352 | ▼ 93.0% |
| Amounts receivable within one year40/41 | €11,252 | €11,370 | €14,568 | €5,805 | €59,806 | ▲ 930% |
| Trade receivables40 | €1,847 | €2,903 | €5,960 | €5,805 | €49,757 | ▲ 757% |
| Other amounts receivable41 | €9,405 | €8,467 | €8,608 | - | €10,049 | - |
| Cash at bank and in hand54/58 | €17,243 | €39,689 | €90,340 | €123,745 | €160,063 | ▲ 29.3% |
| Deferred charges and accrued income490/1 | €1,631 | €1,829 | €16,158 | €13,870 | €11,061 | ▼ 20.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €478,065 | €521,809 | €1.1m | €783,638 | €311,186 | ▼ 60.3% |
| Equity10/15 | -€42,612 | -€37,960 | €70,066 | €53,652 | €22,766 | ▼ 57.6% |
| Contributions10/11 | €61,500 | €61,500 | €61,500 | €61,500 | €61,500 | = |
| Capital10 | €61,500 | €61,500 | €61,500 | €61,500 | €61,500 | = |
| Issued capital100 | €61,500 | €61,500 | €61,500 | €61,500 | €61,500 | = |
| Reserves13 | - | - | €6,150 | €6,150 | €6,150 | = |
| Non-distributable reserves130/1 | - | - | €6,150 | €6,150 | €6,150 | = |
| Legal reserve130 | - | - | €6,150 | €6,150 | €6,150 | = |
| Profit (loss) carried forward14 | -€104,112 | -€99,460 | €2,416 | -€13,998 | -€44,884 | ▼ 221% |
| Amounts payable17/49 | €520,676 | €559,769 | €1.1m | €729,986 | €288,420 | ▼ 60.5% |
| Amounts payable after more than one year17 | €487,559 | €465,099 | €970,414 | €501,734 | €232,922 | ▼ 53.6% |
| Financial debts170/4 | €300,000 | €200,000 | €700,028 | €247,892 | €16,953 | ▼ 93.2% |
| Other amounts payable178/9 | €187,559 | €265,099 | €270,386 | €253,843 | €215,969 | ▼ 14.9% |
| Amounts payable within one year42/48 | €33,117 | €94,670 | €80,303 | €227,104 | €54,860 | ▼ 75.8% |
| Current portion of amounts payable after more than one year42 | - | - | €3,758 | €3,941 | €4,133 | ▲ 4.9% |
| Financial debts43 | - | - | - | - | €493 | - |
| Credit institutions430/8 | - | - | - | - | €493 | - |
| Trade debts44 | €15,523 | €52,536 | €7,268 | €10,663 | €2,632 | ▼ 75.3% |
| Suppliers440/4 | €15,523 | €52,536 | €7,268 | €10,663 | €2,632 | ▼ 75.3% |
| Advances received on contracts in progress46 | - | - | - | €2,500 | - | - |
| Taxes, remuneration and social security45 | €2,010 | €4,929 | €4,106 | €116,249 | €3,884 | ▼ 96.7% |
| Taxes450/3 | €2,010 | €2,010 | €4,106 | €116,249 | €325 | ▼ 99.7% |
| Remuneration and social security454/9 | - | €2,919 | - | - | €3,559 | - |
| Other amounts payable47/48 | €15,585 | €37,205 | €65,171 | €93,750 | €43,717 | ▼ 53.4% |
| Accrued charges and deferred income492/3 | - | - | - | €1,148 | €638 | ▼ 44.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€85,007 | €4,652 | €108,025 | -€16,414 | -€30,886 | ▼ 88.2% |
| + Depreciation and write-downs630 | €11,968 | €23,566 | €30,339 | €21,631 | €16,816 | ▼ 22.3% |
| Operating cash flow (approximation) | -€73,039 | €28,218 | €138,364 | €5,217 | -€14,070 | ▼ 370% |
| Investment in fixed assets (approximation) | - | -€68,314 | -€10,109 | -€2,291 | -€7,933 | ▼ 246% |
| Change in cash | - | €22,446 | €50,651 | €33,405 | €36,319 | ▲ 8.7% |
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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
12-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Highest result since 2020net €108,025 ▲2,222%
Operating result €136,136, net result €108,025, both a record.
31-12
Financial
Liquidity triplescurrent ratio 13.12
Current ratio from 4.59 to 13.12; short-term debt falls from €94,670 to €80,303.
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Back to profitnet €4,652
Net result €4,652 after 2 loss-making years.
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Weakest financial yearnet -€85,007
Net result drops to -€85,007, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 13.15
Current ratio from 3.64 to 13.15; short-term debt falls from €53,614 to €33,117.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
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, Profondeville · 1 establishment unit since 2020
Ground area
949 m²
Building footprint
138 m²
Parcel 92004C0159/00S003, Wallonia. Linked by address, not a title deed.
1 establishment unit
Atelier & Constructions
since 20202.305.886.275
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92004C0159/00S003 | Wallonia | 949 m² | 1 · 138 m² | - |
Linked by address, not proof of ownership
Good to know
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 29,785 companies in sector 41001 we hold annual accounts for 16,058. 11,864 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded16-06-2020
Fiscal year end31-12
Abbreviation FR
ATECOS
Activities, NACEBEL 2025
41001General construction of residential buildings
43120Site preparation
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
68121Development of residential building projects
Contact
Website
www.atelieretconstructions.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0748629865
Registered
25-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.