ATELIER TEMPERA
ActiveATELIER TEMPERA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2023 annual accounts show negative equity (€-69k) and a net result of €-50k. Equity is growing by ~3.4% per year across the filed fiscal years. Its solvency ranks better than 5% of 8999 sector peers (fiscal year 2023). The company has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 8999 sector peers (2023).
NBB · sector comparisonPosition among 8999 sector peers
Solvency
better than 5%
← weakest
strongest →
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 10 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline15-09-2026 today
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 12-12-2024, 134 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
134 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
82 d late
← before the deadline
after the deadline →
Financials · fiscal year 2023, micro schema
Equity
€-69k
2022 · €122k
2018: €94k
2019: €111k
2020: €111k
2021: €117k
2022: €122k
2018 → 2023
Net result
€-50k
2022 · €5k
2018: €-65k
2019: €212k
2020: €-22
2021: €6k
2022: €5k
2018 → 2023
Total assets
€2▼ 100.0%
2022 · €125k
2018: €424k
2019: €213k
2020: €245k
2021: €244k
2022: €125k
2018 → 2023
Solvency
-3473150.0%▼ 3473247.8pp
2022 · 97.8%
2018: 22.2%
2019: 52.1%
2020: 45.3%
2021: 47.9%
2022: 97.8%
2018 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192020202120222023Trend
Turnover€675
Equity€111k-€111k=€117k▲ 5.3%€122k▲ 4.6%€-69k
Operating result€318k-€14k▼ 95.7%€11k▼ 17.3%€6k▼ 49.8%€-8k
Net result€212k-€-22€6k€5k▼ 8.5%€-50k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2023: a loss of €8k after €6k in 2022, the lowest year so far.
Key figures and ratios
Debt
€69k▲
2022 · €3k
Debt ≤ 1 year
€69k▲
2022 · €3k
Debt > 1 year
€13
Income taxes
€39k
Ratios withheld: a balance sheet total of €2 is too small for a meaningful ratio.
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 · 2023 against 2022
Balance sheet
Code20222023
Assets
Total assets20/58€125k€2▼
Current assets29/58€125k€2▼
Cash at bank and in hand54/58€125k€2▼
Equity and liabilities
Total equity and liabilities10/49€125k€2▼
Equity10/15€122k€-69k▼
Contributions10/11€19k€19k=
Capital10-€19k
Issued capital100-€19k
Reserves13€144k€2k▼
Non-distributable reserves130/1€2k€2k=
Legal reserve130-€2k
Reserves not available under the articles1311€2k-
Tax-exempt reserves132€12k-
Distributable reserves133€130k-
Profit (loss) carried forward14€-40k€-90k▼
Amounts payable17/49€3k€69k▲
Amounts payable after more than one year17-€13
Other amounts payable178/9-€13
Amounts payable within one year42/48€3k€69k▲
Taxes, remuneration and social security45€211€68k▲
Taxes450/3€211€68k▲
Other amounts payable47/48€3k€1k▼
Income statement
Code20222023
Other operating charges640/8€348-
Gross operating margin9900€6k€-8k▼
Operating profit (loss)9901€6k€-8k▼
Financial income75/76B-€216
Recurring financial income75-€216
Financial charges65/66B€291€3k▲
Recurring financial charges65€291€255▼
Non-recurring financial charges66B-€3k
Profit (loss) for the period before taxes9903€5k€-11k▼
Income taxes67/77-€39k
Profit (loss) for the period9904€5k€-50k▼
Profit (loss) for the period to be appropriated9905€5k€-50k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-40k€-90k▼
Profit (loss) brought forward from the previous period14P€-45k€-40k▲
Timeline · acts, filings and financial milestones
2024
12-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 134 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Liquidity times 23current ratio 44.77
Current ratio from 1.92 to 44.77; short-term debt falls from €127k to €3k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
21-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 82 days late
2019
31-12
Financial
Back to profitnet €212k
Net result €212k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 2.87
Current ratio from 0.69 to 2.87; short-term debt falls from €131k to €74k.
31-12
Financial
Equity above €100kEq €111k ▲18%
Equity rises from €94k to €111k.
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 23 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 28 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
2016
20-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 51 days late
2015
16-07
NBB filing
Annual accounts filed
fiscal year 2014 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Anderlecht · 1 establishment unit since 2002
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.
Paul Jansonlaan 631070 AnderlechtGround area
4,038 m²
Building footprint
1,544 m²
Volume, LiDAR
12,851 m³
2 parcels, Brussels, Wallonia · tallest building 14.8 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Chaussée de Bruxelles 6, 1470 Genappe
since 20022.112.292.586
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25003D0035/00Y000 | Wallonia | 3,821 m² | 1 · 1,450 m² | 8.7 m · 3 fl. |
| 21308H0488/00A003 | Brussels | 218 m² | 1 · 95 m² | 14.8 m · 5 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
Alcon Invest
BE 0740.563.227
Antwerpen · Eq €122k
ValoriFeX
BE 1003.919.910
Antwerpen · Eq €128k
APOLLODORUS
BE 0848.053.875
Lier · Eq €146k
CRESCIX
BE 1005.809.925
Sint-Martens-Latem · Eq €99k
NS CAPITAL
BE 0698.729.305
Sint-Jans-Molenbeek · Eq €154k
Of 152 companies in sector 64310 we hold annual accounts for 72. 34 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCoöperatieve vennootschap met beperkte aansprakelijkheid
Founded03-01-1991
Fiscal year end31-12
Activities, NACEBEL
64300Financial service activities, except insurance and pension funding
64310Financial service activities, except insurance and pension funding
64999Other financial services
66110Activities auxiliary to financial services and insurance activities
Sources
Crossroads Bank for EnterprisesNational Bank · 18 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.