Atelier Création graphique
ActiveAtelier Création graphique has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €41k and a net result of €-5k. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 60% of 3478 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability9▼-76
Solvency86▲+30
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 2.49 against 1.87 in 2024; short-term debt: 39.3% and cash: 19.4% of total assets), and 39.3% 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 74
Relative position
BE, all sectors
reference
Sector 74
lower
← fewer bankruptcies
more bankruptcies →
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
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
60.7%
Return on assets
-8%
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 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
28 d late
2022
29 d late
2021
30 d late
2020
4 d late
2019
560 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€41k▼ 11.7%
2024 · €46k
2018: €34k
2019: €34k
2020: €35k
2021: €35k
2022: €36k
2023: €36k
2024: €46k
2018 → 2025
Total assets
€67k▼ 54.2%
2024 · €147k
2018: €161k
2019: €147k
2020: €123k
2021: €115k
2022: €117k
2023: €120k
2024: €147k
2018 → 2025
Net result
€-5k
2024 · €19k
2018: €16k
2019: €19k
2020: €16k
2021: €9k
2022: €11k
2023: €15k
2024: €19k
2018 → 2025
Working capital
€40k▼ 41.6%
2024 · €68k
2018: €25k
2019: €28k
2020: €34k
2021: €60k
2022: €32k
2023: €35k
2024: €68k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€35k-€36k▲ 1.5%€36k▲ 1.0%€46k▲ 27.5%€41k▼ 11.7%
Operating result€11k-€13k▲ 12.9%€18k▲ 42.1%€28k▲ 58.8%€-5k
Net result€9k-€11k▲ 21.0%€15k▲ 45.7%€19k▲ 21.4%€-5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €5k after €28k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €67k
Fixed assets
€1k▲ 9.0%
Current assets
€66k▼ 54.7%
Equity and liabilities €67k
Equity
€41k▼ 11.7%
Debt
€27k▼ 73.7%
The debt ratio falls from 68.5% to 39.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-4k▼
2024 · €30k
Cash flow
€-4k▼
2024 · €20k
Solvency
60.7%▲
2024 · 31.5%
Current ratio
2.49▲
2024 · 1.87
Quick ratio
2.49▲
2024 · 1.87
Debt / equity
0.65▼
2024 · 2.18
ROE
-13.3%▼
2024 · 40.2%
ROA
-8.0%▼
2024 · 12.7%
Interest coverage
-6.55▼
2024 · 142.89
Debt
€27k▼
2024 · €101k
Debt ≤ 1 year
€27k▼
2024 · €78k
Income taxes
€201▼
2024 · €10k
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€147k€67k▼
Fixed assets21/28€1k€1k▲
Tangible fixed assets22/27€1k€1k▲
Furniture and vehicles24€1k€1k▲
Financial fixed assets28€74€74=
Current assets29/58€146k€66k▼
Amounts receivable within one year40/41€106k€51k▼
Trade receivables40€101k€47k▼
Other amounts receivable41€5k€3k▼
Cash at bank and in hand54/58€33k€13k▼
Deferred charges and accrued income490/1€7k€2k▼
Equity and liabilities
Total equity and liabilities10/49€147k€67k▼
Equity10/15€46k€41k▼
Contributions10/11€19k€19k=
Reserves13€12k€12k=
Distributable reserves133€12k€12k=
Profit (loss) carried forward14€15k€10k▼
Amounts payable17/49€101k€27k▼
Amounts payable within one year42/48€78k€27k▼
Trade debts44€48k€26k▼
Suppliers440/4€48k€26k▼
Taxes, remuneration and social security45€17k€925▼
Taxes450/3€17k€925▼
Other amounts payable47/48€13k-
Accrued charges and deferred income492/3€23k-
Income statement
Code20242025
Non-recurring operating income76A€190€2k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€34k€-2k▼
Operating profit (loss)9901€28k€-5k▼
Financial income75/76B€81€85▲
Recurring financial income75€81€85▲
Financial charges65/66B€212€543▲
Recurring financial charges65€212€543▲
Profit (loss) for the period before taxes9903€28k€-5k▼
Income taxes67/77€10k€201▼
Profit (loss) for the period9904€19k€-5k▼
Profit (loss) for the period to be appropriated9905€19k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€24k€10k▼
Profit (loss) brought forward from the previous period14P€5k€15k▲
Profit to be distributed694/7€9k-
Return on contributions (dividend)694€9k-
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-5k ▼129%
Net result drops to €-5k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
11-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 560 days late
2021
04-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
13-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 197 days late
2019
31-12
Financial
Highest result since 2018net €19k ▲17.6%
Operating result €34k, net result €19k, both a record.
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Sint-Lambrechts-Woluwe · 1 establishment unit since 1982
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.
Prekelindenlaan 1361200 Sint-Lambrechts-WoluweGround area
330 m²
Building footprint
178 m²
Volume, LiDAR
2,598 m³
Parcel 21673D0154/00Z032, Brussels · tallest building 18.3 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Prekelindenlaan 136, 1200 Sint-Lambrechts-Woluwe
since 19822.120.331.413
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21673D0154/00Z032 | Brussels | 330 m² | 1 · 178 m² | 18.3 m · 5 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.
Similar companies · same sector, comparable size
Concept Factory
BE 0766.867.251
Herentals · Eq €41k
RODIPA
BE 0419.114.828
Tienen · Eq €41k
TWIN DESIGN
BE 0426.309.060
Temse · Eq €40k
PASSERIN-NONPAREIL
BE 0537.775.819
Brussel · Eq €42k
BC INTERIORS
BE 0735.414.012
Ukkel · Eq €42k
Of 1,236 companies in sector 74140 we hold annual accounts for 353. 281 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-07-1982
Fiscal year end31-12
Abbreviation FR
A.C.G.
Activities, NACEBEL
74109Other professional, scientific and technical activities
74120Graphic design and visual communication
74140Other specialised design activities
70210Activities of head offices; management consultancy activities
73110Advertising agencies
73300Public relations and communication consultancy
74103Other professional, scientific and technical activities
74201Photography, excluding press photography
Sources
Crossroads Bank for EnterprisesNational Bank · 43 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.