Atelier M

Active

Private limited companyfounded 20233 yrs activeBerkstraat 9, 8780 Oostrozebeke, BelgiumKBO/BCE: BE 0795.987.047

The computed 12-month bankruptcy probability of Atelier M is 2.1% (moderate). The 2025 annual accounts show equity of €94k and a net result of €11k. Equity is growing by ~22.7% per year across the filed fiscal years. Its solvency ranks better than 19% of 2149 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

38 / 100

Weak▼ -10 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability59▼-41

Solvency7▼-5

Growth52=

Stability94

Bankruptcy probability, 12 months

2.1% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €4k at 30 days only on tighter terms

Liquidity short (current ratio 0.14 against 0.73 in 2024), and 90.1% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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

Sector 41

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

9.9%

Return on assets

1.2%

Age of the figures

8 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 2149 sector peers (2025).

NBB · sector comparison

Position among 2149 sector peers

Solvency

better than 19%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-05-2026, 65 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

65 d early

2024

31 d early

2023

33 d early

← before the deadline after the deadline →

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 months

Position in the running window

15-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Equity

€94k▲ 13.4%

2024 · €83k

2023: €56k 2024: €83k

2023 → 2025

Total assets

€951k▲ 18.2%

2024 · €804k

2023: €493k 2024: €804k

2023 → 2025

Net result

€11k▼ 57.9%

2024 · €26k

2023: €53k 2024: €26k

2023 → 2025

Working capital

€-484k▼ 345%

2024 · €-109k

2023: €-52k 2024: €-109k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Equity€56k-€83k▲ 47.0%€94k▲ 13.4%

Operating result€78k-€52k▼ 33.2%€43k▼ 17.8%

Net result€53k-€26k▼ 49.9%€11k▼ 57.9%

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has fallen two years in a row; 2025 is 18% below 2024 and is the lowest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €951k

91.6%

Fixed assets €871k▲ 72.2%

Current assets €80k▼ 73.4%

Equity and liabilities €951k

10%

90.1%

Equity €94k▲ 13.4%

Debt €857k▲ 18.8%

The debt ratio rises from 89.7% to 90.1%: debt grows faster than equity.

Key figures and ratios

2025 value · change against 2024

EBITDA

€70k▲

2024 · €69k

Cash flow

€38k▼

2024 · €43k

Solvency

9.9%▼

2024 · 10.3%

Current ratio

0.14▼

2024 · 0.73

Quick ratio

0.11▼

2024 · 0.69

Debt / equity

9.13▲

2024 · 8.73

ROE

11.9%▼

2024 · 32.0%

ROA

1.2%▼

2024 · 3.3%

Interest coverage

2.43▼

2024 · 4.02

Debt

€857k▲

2024 · €722k

Debt ≤ 1 year

€563k▲

2024 · €407k

Debt > 1 year

€294k▼

2024 · €309k

Income taxes

€4k▼

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€804k€951k▲

Fixed assets21/28€506k€871k▲

Tangible fixed assets22/27€506k€871k▲

Land and buildings22€494k€865k▲

Plant, machinery and equipment23€6k€3k▼

Furniture and vehicles24€5k€4k▼

Current assets29/58€299k€80k▼

Stocks and contracts in progress3€16k€18k▲

Stocks30/36€16k€18k▲

Amounts receivable within one year40/41€24k€4k▼

Trade receivables40€20k€3k▼

Other amounts receivable41€4k€1k▼

Cash at bank and in hand54/58€259k€56k▼

Deferred charges and accrued income490/1-€2k

Equity and liabilities

Total equity and liabilities10/49€804k€951k▲

Equity10/15€83k€94k▲

Contributions10/11€4k€4k=

Reserves13€79k€90k▲

Distributable reserves133€79k€90k▲

Amounts payable17/49€722k€857k▲

Amounts payable after more than one year17€309k€294k▼

Financial debts170/4€309k€294k▼

Amounts payable within one year42/48€407k€563k▲

Current portion of amounts payable after more than one year42€14k€15k▲

Trade debts44€10k-

Suppliers440/4€10k-

Taxes, remuneration and social security45-€13k

Taxes450/3-€13k

Other amounts payable47/48€383k€535k▲

Accrued charges and deferred income492/3€5k-

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€27k▲

Other operating charges640/8€1k€3k▲

Gross operating margin9900€70k€73k▲

Operating profit (loss)9901€52k€43k▼

Financial income75/76B€118€524▲

Recurring financial income75€118€524▲

Financial charges65/66B€17k€29k▲

Recurring financial charges65€17k€29k▲

Profit (loss) for the period before taxes9903€35k€15k▼

Income taxes67/77€9k€4k▼

Profit (loss) for the period9904€26k€11k▼

Profit (loss) for the period to be appropriated9905€26k€11k▼

Appropriation of the result

Profit (loss) to be appropriated9906€26k€11k▼

Transfer to equity691/2€26k€11k▼

To other reserves6921€26k€11k▼

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 4Financial 1Filings 3

Next filing, fiscal year 2026, expected by 31-07-2027

2026

27-05

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

31-12

Financial Weakest financial yearnet €11k ▼57.9%

Net result drops to €11k, the lowest in the series.

30-06

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

2024

28-06

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

2 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, Oostrozebeke · 1 establishment unit since 2023

establishment The establishment unit on the map

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.

Berkstraat 98780 Oostrozebeke

Ground area

3,152 m²

Building footprint

401 m²

Volume, LiDAR

1,965 m³

Parcel 37010B0241/00P000, Flanders · tallest building 10.0 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

Atelier M

Berkstraat 9, 8780 OostrozebekeReal estate development

since 20232.340.129.057

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
37010B0241/00P000	Flanders	3,152 m²	1 · 401 m²	10.0 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.

Similar companies · same sector, comparable size

Tongeren-Borgloon · Eq €94k

BV WORKS

BE 0758.740.730

Hoogstraten · Eq €94k

Of 29,535 companies in sector 41001 we hold annual accounts for 15,872. 13,031 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded10-01-2023

Fiscal year end31-12

Activities, NACEBEL

41001General construction of residential buildings

43110Demolition

43221Plumbing work

43222Installation of electric heating, air conditioning, cooling and ventilation

43341Painting of buildings

43910Bricklaying and masonry work

43994Specialised construction activities

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.