Atelier Nowé
ActiveThe computed 12-month bankruptcy probability of Atelier Nowé is 3.0% (moderate). The 2025 annual accounts show equity of €66k and a net result of €3k. Its solvency ranks better than 36% of 27676 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-29
Solvency59▲+5
Growth52
Track record82
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.22 against 0.72 in 2024; short-term debt: 45.4% and cash: 20.3% of total assets), and 66% 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
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
34%
Return on assets
1.6%
Age of the figures
9 mo
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 04-07-2026, 27 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
27 d early
2024
5 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€66k▲ 5.1%
2024 · €62k
2024: €62k
2024 → 2025
Total assets
€193k▼ 10.9%
2024 · €216k
2024: €216k
2024 → 2025
Net result
€3k▼ 94.7%
2024 · €60k
2024: €60k
2024 → 2025
Working capital
€19k
2024 · €-44k
2024: €-44k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€62k-€66k▲ 5.1%
Operating result€75k-€6k▼ 91.6%
Net result€60k-€3k▼ 94.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 92% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €193k
Fixed assets
€86k▼ 19.1%
Current assets
€107k▼ 3.0%
Equity and liabilities €193k
Equity
€66k▲ 5.1%
Debt
€127k▼ 17.4%
The debt ratio falls from 71.1% to 66.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€43k▼
2024 · €108k
Cash flow
€40k▼
2024 · €92k
Solvency
34.0%▲
2024 · 28.9%
Current ratio
1.22▲
2024 · 0.72
Quick ratio
1.02▲
2024 · 0.72
Debt / equity
1.94▼
2024 · 2.46
ROE
4.8%▼
2024 · 96.0%
ROA
1.6%▼
2024 · 27.7%
Interest coverage
13.08▼
2024 · 739.51
Debt
€127k▼
2024 · €154k
Debt ≤ 1 year
€87k▼
2024 · €154k
Debt > 1 year
€40k
Staff costs
€58k▲
2024 · €55k
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€216k€193k▼
Fixed assets21/28€106k€86k▼
Tangible fixed assets22/27€106k€86k▼
Plant, machinery and equipment23€46k€46k▲
Furniture and vehicles24€60k€39k▼
Current assets29/58€110k€107k▼
Stocks and contracts in progress3-€18k
Stocks30/36-€18k
Amounts receivable within one year40/41€66k€50k▼
Trade receivables40€33k€13k▼
Other amounts receivable41€33k€37k▲
Cash at bank and in hand54/58€44k€39k▼
Deferred charges and accrued income490/1-€541
Equity and liabilities
Total equity and liabilities10/49€216k€193k▼
Equity10/15€62k€66k▲
Contributions10/11€3k€3k=
Reserves13€60k€63k▲
Distributable reserves133€60k€63k▲
Amounts payable17/49€154k€127k▼
Amounts payable after more than one year17-€40k
Financial debts170/4-€40k
Amounts payable within one year42/48€154k€87k▼
Current portion of amounts payable after more than one year42-€24k
Trade debts44€18k€20k▲
Suppliers440/4€18k€20k▲
Taxes, remuneration and social security45€6k€5k▼
Taxes450/3-€764
Remuneration and social security454/9€6k€4k▼
Other amounts payable47/48€130k€39k▼
Income statement
Code20242025
Remuneration, social security and pensions62€55k€58k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€37k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€165k€102k▼
Operating profit (loss)9901€75k€6k▼
Financial income75/76B€11€126▲
Recurring financial income75€11€126▲
Financial charges65/66B€146€3k▲
Recurring financial charges65€146€3k▲
Profit (loss) for the period before taxes9903€75k€3k▼
Income taxes67/77€15k-
Profit (loss) for the period9904€60k€3k▼
Profit (loss) for the period to be appropriated9905€60k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€60k€3k▼
Transfer to equity691/2€60k€3k▼
To other reserves6921€60k€3k▼
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
04-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
05-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 5 days late
NBB filing
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, Kruisem · 2 establishment units since 2023
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.
Kruishoutemsesteenweg 1589750 KruisemGround area
3,805 m²
Building footprint
1,129 m²
Volume, LiDAR
7,959 m³
2 parcels, Flanders · tallest building 12.9 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Atelier Nowé
since 20232.353.259.491
Atelier Nowé
since 20232.353.259.590
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45502A0625/00Z002 | Flanders | 3,399 m² | 1 · 1,011 m² | 12.9 m · 2 fl. |
| 45057A0036/00W000 | Flanders | 406 m² | 1 · 118 m² | 11.6 m · 3 fl. |
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.
Similar companies · same sector, comparable size
B-WORKS
BE 1017.904.934
Oostkamp · Eq €66k
MENUIDECO
BE 0443.561.105
Erquelinnes · Eq €66k
SOLOCHASSIS
BE 0805.955.974
Villers-le-Bouillet · Eq €66k
EMT Schrijnwerken
BE 0759.633.526
Maasmechelen · Eq €66k
BOW
BE 1001.391.079
Kortrijk · Eq €66k
Of 20,026 companies in sector 43320 we hold annual accounts for 9,136. 7,590 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-12-2023
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
68121Development of residential building projects
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.