ATERNUM
ActiveSummary
The computed 12-month bankruptcy probability of ATERNUM is 1.7% (moderate). The 2024 annual accounts show equity of €275,931 and a net result of €44,604. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 83% of 26049 sector peers (fiscal year 2024). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability84▲+49
Solvency99▲+6
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €22,000 at 30 days acceptable
Liquidity ample (current ratio 8.51 against 5.99 in 2023; short-term debt: 9.4% and cash: 66.2% of total assets), and 26.2% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
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 15-06-2026, 46 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
46 d early
2024
56 d early
2023
58 d early
2022
31 d early
2021
31 d early
2020
31 d early
2019
29 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 40 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 15 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 2024, micro schema
Equity
€275,931▲ 8.8%
2023 · €253,499
Total assets
€373,716▲ 0.8%
2023 · €370,583
Net result
€44,604
2023 · -€12,425
Working capital
€262,901▲ 10.8%
2023 · €237,287
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, 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
Line20202021202220232024
Operating result€79,878▲ 100.0%€118,992▲ 49.0%€20,831▼ 82.5%-€9,522€63,466
Net result€56,361above the sector's middle half▲ 131%€83,764above the sector's middle half▲ 48.6%€11,494within the sector's middle half▼ 86.3%-€12,425below the sector's middle half€44,604above the sector's middle half
Equity€303,328above the sector's middle half▲ 22.8%€289,875above the sector's middle half▼ 4.4%€301,368above the sector's middle half▲ 4.0%€253,499above the sector's middle half▼ 15.9%€275,931above the sector's middle half▲ 8.8%
Total assets€415,743above the sector's middle half▲ 12.5%€507,689above the sector's middle half▲ 22.1%€395,141above the sector's middle half▼ 22.2%€370,583above the sector's middle half▼ 6.2%€373,716above the sector's middle half▲ 0.8%
Debt€112,415▼ 8.3%€217,814▲ 93.8%€93,773▼ 56.9%€117,084▲ 24.9%€97,785▼ 16.5%
Working capital€219,419above the sector's middle half▼ 1.0%€214,988above the sector's middle half▼ 2.0%€232,408above the sector's middle half▲ 8.1%€237,287above the sector's middle half▲ 2.1%€262,901above the sector's middle half▲ 10.8%
Solvency73.0%above the sector's middle half▲ 6.1pp57.1%within the sector's middle half▼ 15.9pp76.3%above the sector's middle half▲ 19.2pp68.4%above the sector's middle half▼ 7.9pp73.8%above the sector's middle half▲ 5.4pp
Current ratio11.57above the sector's middle half▲ 0.712.61within the sector's middle half▼ 8.9615.04above the sector's middle half▲ 12.435.99above the sector's middle half▼ 9.058.51above the sector's middle half▲ 2.52
Return on assets (ROA)13.6%within the sector's middle half▲ 7.0pp16.5%above the sector's middle half▲ 2.9pp2.9%within the sector's middle half▼ 13.6pp-3.4%within the sector's middle half▼ 6.3pp11.9%within the sector's middle half▲ 15.3pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €63,466 after a loss of €9,522 in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €373,716
Fixed assets
€75,812 ▼ 11.6%
Current assets
€297,904 ▲ 4.6%
Equity and liabilities €373,716
Equity
€275,931 ▲ 8.8%
Debt
€97,785 ▼ 16.5%
Debt's share of the balance-sheet total falls from 31.6% to 26.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€74,169▲
2023 · €7,072
Cash flow
€55,307▲
2023 · €4,169
Quick ratio
8.29▲
2023 · 5.77
Debt to equity
0.35▼
2023 · 0.46
ROE
16.2%▲
2023 · -4.9%
Interest coverage
16.71▲
2023 · 2.48
Debt ≤ 1 year
€35,003▼
2023 · €47,571
Debt > 1 year
€62,262▼
2023 · €69,513
Income taxes
€14,424▲
2023 · €152
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,679 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
3.8%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.7% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
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 34,679 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 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €20,388 | €16,393 | €15,401 | €16,594 | €10,703 | ▼ 35.5% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €2,093 | - |
| Other operating charges640/8 | - | €2,221 | €2,264 | €2,815 | €7,709 | ▲ 174% |
| Non-recurring operating charges66A | - | - | - | €34,475 | - | - |
| Gross operating margin9900 | €103,434 | €137,606 | €38,495 | €44,362 | €83,971 | ▲ 89.3% |
| Operating profit (loss)9901 | €79,878 | €118,992 | €20,831 | -€9,522 | €63,466 | ▲ 766% |
| Financial income75/76B | - | €999 | €749 | €99 | €0 | ▼ 99.9% |
| Recurring financial income75 | €833 | €999 | €749 | €99 | €0 | ▼ 99.9% |
| Financial charges65/66B | - | €4,745 | €4,646 | €2,850 | €4,438 | ▲ 55.7% |
| Recurring financial charges65 | €6,633 | €4,745 | €4,646 | €2,850 | €4,438 | ▲ 55.7% |
| Profit (loss) for the period before taxes9903 | €74,078 | €115,247 | €16,934 | -€12,273 | €59,028 | ▲ 581% |
| Income taxes67/77 | €17,717 | €31,483 | €5,440 | €152 | €14,424 | ▲ 9,412% |
| Profit (loss) for the period9904 | €56,361 | €83,764 | €11,494 | -€12,425 | €44,604 | ▲ 459% |
| Profit (loss) for the period to be appropriated9905 | €56,361 | €83,764 | €11,494 | -€12,425 | €44,604 | ▲ 459% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €415,743 | €507,689 | €395,141 | €370,583 | €373,716 | ▲ 0.8% |
| Fixed assets21/28 | €175,571 | €159,178 | €146,181 | €85,725 | €75,812 | ▼ 11.6% |
| Intangible fixed assets21 | €10,000 | €8,000 | €6,000 | €4,000 | €2,000 | ▼ 50.0% |
| Tangible fixed assets22/27 | €147,571 | €133,178 | €122,181 | €81,725 | €73,812 | ▼ 9.7% |
| Land and buildings22 | - | €85,050 | €78,975 | €72,900 | €66,825 | ▼ 8.3% |
| Plant, machinery and equipment23 | - | €9,626 | €8,780 | €8,825 | €6,293 | ▼ 28.7% |
| Furniture and vehicles24 | - | - | - | - | €694 | - |
| Other tangible fixed assets26 | - | €38,502 | €34,425 | - | - | - |
| Financial fixed assets28 | €18,000 | €18,000 | €18,000 | - | - | - |
| Current assets29/58 | €240,172 | €348,511 | €248,960 | €284,858 | €297,904 | ▲ 4.6% |
| Stocks and contracts in progress3 | €49,298 | €144,196 | €121,786 | €10,263 | €7,735 | ▼ 24.6% |
| Stocks30/36 | - | €144,196 | €121,786 | €10,263 | €7,735 | ▼ 24.6% |
| Amounts receivable within one year40/41 | €38,666 | €38,354 | €25,033 | €33,259 | €38,732 | ▲ 16.5% |
| Trade receivables40 | - | €21,277 | €19,294 | €16,939 | €27,832 | ▲ 64.3% |
| Other amounts receivable41 | - | €17,077 | €5,738 | €16,320 | €10,901 | ▼ 33.2% |
| Cash at bank and in hand54/58 | €145,477 | €157,912 | €96,352 | €239,042 | €247,437 | ▲ 3.5% |
| Deferred charges and accrued income490/1 | - | €8,049 | €5,790 | €2,295 | €4,000 | ▲ 74.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €415,743 | €507,689 | €395,141 | €370,583 | €373,716 | ▲ 0.8% |
| Equity10/15 | €303,328 | €289,875 | €301,368 | €253,499 | €275,931 | ▲ 8.8% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €296,002 | €282,534 | €294,028 | €258,583 | €269,731 | ▲ 4.3% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | - | €280,674 | €292,168 | €256,723 | €267,871 | ▲ 4.3% |
| Profit (loss) carried forward14 | €1,126 | €1,140 | €1,140 | -€11,284 | - | - |
| Amounts payable17/49 | €112,415 | €217,814 | €93,773 | €117,084 | €97,785 | ▼ 16.5% |
| Amounts payable after more than one year17 | €91,162 | €84,292 | €77,221 | €69,513 | €62,262 | ▼ 10.4% |
| Financial debts170/4 | - | €84,292 | €77,221 | €69,513 | €62,262 | ▼ 10.4% |
| Amounts payable within one year42/48 | €20,753 | €133,523 | €16,552 | €47,571 | €35,003 | ▼ 26.4% |
| Current portion of amounts payable after more than one year42 | - | €7,264 | €7,476 | €8,125 | €8,111 | ▼ 0.2% |
| Trade debts44 | €3,307 | €3,817 | €6,459 | €3,151 | €1,055 | ▼ 66.5% |
| Suppliers440/4 | - | €3,817 | €6,459 | €3,151 | €1,055 | ▼ 66.5% |
| Taxes, remuneration and social security45 | - | €22,843 | €2,223 | - | €3,334 | - |
| Taxes450/3 | - | €22,843 | €2,223 | - | €3,334 | - |
| Other amounts payable47/48 | - | €99,600 | €393 | €36,295 | €22,503 | ▼ 38.0% |
| Accrued charges and deferred income492/3 | - | - | - | - | €520 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €56,361 | €83,764 | €11,494 | -€12,425 | €44,604 | ▲ 459% |
| + Depreciation and write-downs630 | €20,388 | €16,393 | €15,401 | €16,594 | €10,703 | ▼ 35.5% |
| Operating cash flow (approximation) | €76,749 | €100,157 | €26,895 | €4,169 | €55,307 | ▲ 1,227% |
| Investment in fixed assets (approximation) | - | €0 | -€2,403 | €43,862 | -€791 | ▼ 102% |
| Change in cash | - | €12,435 | -€61,560 | €142,690 | €8,395 | ▼ 94.1% |
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
15-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
05-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €44,604
Net result €44,604 after one loss-making year.
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet -€12,425
Net result drops to -€12,425, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity times 6current ratio 15.04
Current ratio from 2.61 to 15.04; short-term debt falls from €133,523 to €16,552.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €83,764 ▲48.6%
Operating result €118,992, net result €83,764, both a record.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
04-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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 · 2 establishment units since 2010
Ground area
1,034 m²
Building footprint
158 m²
Volume, LiDAR
957 m³
2 parcels, Brussels, Flanders · tallest building 13.3 m, ±4 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
2 establishment units
ATERNUM
since 20102.193.220.577
Aternum MKV services - Jobikes
since 20112.264.285.450
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23078B0338/00A002 | Flanders | 879 m² | 1 · 70 m² | - |
| 21674C0128/00R003 | Brussels | 155 m² | 1 · 88 m² | 13.3 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,465 companies in sector 47632 we hold annual accounts for 733. 623 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded02-11-2010
Fiscal year end31-12
Activities, NACEBEL 2025
47632Retail sale of bicycles
46190Agents in non-specialised wholesale trade
47639Retail sale of other sporting goods
47640Retail sale of games and toys
70200Business and other management consultancy
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0830805097
Also
9925:BE0830805097
Registered
09-05-2025
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.