Skip to content

ATF Construct

Active
Private limited companyfounded 2024active for 2 yearsRue Bourie 3, 5300 Andenne, BelgiumKBO/BCE: BE 1007.279.771
Summary

ATF Construct has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €600,283 and a net result of €816,363. Its solvency ranks better than 49% of 381 sector peers (NACE 28, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Overview

Activity
Manufacture of machinery and equipment not elsewhere classified
NACE 28250Other specialised construction activities NACE 43990
#7 company by equity in the province of Namur, Machinery and equipment sector1 site
Size
€1.5mtotal assets 2025
Staff
11.9 FTE
Equity
€600,283
Profit
€816,363
Financial health
86 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.3%
Structure
Accounts 10 days early1 of 2 deeds read
Why 86raises riskFounded in 2024Sector: Manufacture of machinery and equipment not elsewhere classified (NACE 28)lowers riskSize: total assets €1.5mFigures for financial year 2025 (filed 21-01-2026)Show the evidence

Checked score

Score 2025
86 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 55% of its sector peers (NACE 28, micro)
Financial strength
Strong
Solvency 66
equity 41.1% of total assets
Liquidity 37
short-term debt 58.7% · cash 13.5%
Profitability 100
return on assets 55.9%
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.3% (977 companies, NACE 28, micro)
Last 24 months 04-2025: 1.8% 05-2025: 1.8%● unchanged vs 04-2025 06-2025: 1.8%● unchanged vs 05-2025 07-2025: 2.2%▲ +0.4 percentage points vs 06-2025 08-2025: 2.3%▲ +0.1 percentage points vs 07-2025 09-2025: 2.5%▲ +0.2 percentage points vs 08-2025 10-2025: 2.8%▲ +0.3 percentage points vs 09-2025highest value 11-2025: 2.8%● unchanged vs 10-2025highest value 12-2025: 2.7%▼ -0.1 percentage points vs 11-2025 01-2026: 2.7%● unchanged vs 12-2025 02-2026: 0.3%▼ -2.4 percentage points vs 01-2026 03-2026: 0.3%● unchanged vs 02-2026 04-2026: 0.3%● unchanged vs 03-2026 05-2026: 0.3%● unchanged vs 04-2026 06-2026: 0.3%● unchanged vs 05-2026 07-2026: 0.3%● unchanged vs 06-2026lowest value 08-2026: 0.3%● unchanged vs 07-2026 09-2026: 0.3%● unchanged vs 08-2026 10-2026: 0.3%● unchanged vs 09-2026
Credit of up to €50,000 on 30-day terms, only on tighter conditions
Liquidity ample (current ratio 1.53; short-term debt: 58.7% and cash: 13.5% of total assets), but 58.9% of the assets are financed with debt.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 28, micro): better than 44% on solvency, 27% on liquidity and 95% on profitability.

The bankruptcy probability was computed on 10-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Five signals.
lowers riskraises riskneutral
raises risk · Founded in 2024
How long the company has existed counts in the probability; how much depends on the rest of its profile.
KBO
lowers risk · Size: total assets €1.5m
The company's size counts in the probability; how much depends on the rest of its profile.
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed 21-01-2026)
NBB · annual accounts
raises risk · Sector: Manufacture of machinery and equipment not elsewhere classified (NACE 28)
KBO
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 21-01-2026, 10 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
10 days early
← before the deadline after the deadline →
Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2024.
KBO publications · our coverage
  1. Resignations: Véronique TIMMERMANN (director) and Antony…Appointments: Scomm Véronique TIMMERMANN (director)…
  2. Annual accounts filedfinancial year 2025 · full…

Financials · financial year 2025, full format

Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€816,363
Working capital
€450,360
Balance-sheet composition
Assets €1.5m
Fixed assets €153,392
Current assets €1.3m
Equity and liabilities €1.5m
Equity €600,283
Debt €859,898
Debt finances 58.9% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€1.0m
Cash flow
€863,955
Current ratio
1.53
Quick ratio
1.35
Debt to equity
1.43
ROE
136.0%
ROA
55.9%
Interest coverage
40.10
Debt ≤ 1 year
€856,429
Income taxes
€157,306
Staff costs
€937,729

Peer companies

Historical observation

Of the 3,127 companies that looked in July 2024 the way this one looks now, 0.8% went bankrupt within 24 months and 97% are still going.

  • Small
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.8% went bankrupt
1.9% stopped otherwise
97% still going

For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,470 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 3,127 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
Filed annual accounts As filed with the NBB · 2025 · 44 lines
Balance sheet Code2025
Assets
Total assets20/58€1.5m
Fixed assets21/28€0.2m
Tangible fixed assets22/27€0.2m
Plant, machinery and equipment23€0.005m
Furniture and vehicles24€0.1m
Financial fixed assets28€0.001m
Current assets29/58€1.3m
Stocks and contracts in progress3€0.2m
Stocks30/36€0.2m
Amounts receivable within one year40/41€0.9m
Trade receivables40€0.8m
Other amounts receivable41€0.08m
Cash at bank and in hand54/58€0.2m
Deferred charges and accrued income490/1€0.02m
Equity and liabilities
Total equity and liabilities10/49€1.5m
Equity10/15€0.6m
Contributions10/11€0.05m
Profit (loss) carried forward14€0.6m
Amounts payable17/49€0.9m
Amounts payable within one year42/48€0.9m
Trade debts44€0.07m
Suppliers440/4€0.07m
Taxes, remuneration and social security45€0.2m
Taxes450/3€0.1m
Remuneration and social security454/9€0.05m
Other amounts payable47/48€0.6m
Accrued charges and deferred income492/3€0.003m
Income statement Code2025
Remuneration, social security and pensions62€0.9m
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0.05m
Other operating charges640/8€0.002m
Gross operating margin9900€2.0m
Operating profit (loss)9901€1.0m
Financial income75/76B€0.009m
Recurring financial income75€0.009m
Financial charges65/66B€0.03m
Recurring financial charges65€0.03m
Profit (loss) for the period before taxes9903€1.0m
Income taxes67/77€0.2m
Profit (loss) for the period9904€0.8m
Profit (loss) for the period to be appropriated9905€0.8m
Appropriation of the result
Profit (loss) to be appropriated9906€0.8m
Profit to be distributed694/7€0.3m
Directors or managers695€0.3m
Employees696€0.02m

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Remuneration, social security and pensions62€0.9m
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0.05m
Other operating charges640/8€0.002m
Gross operating margin9900€2.0m
Operating profit (loss)9901€1.0m
Financial income75/76B€0.009m
Recurring financial income75€0.009m
Financial charges65/66B€0.03m
Recurring financial charges65€0.03m
Profit (loss) for the period before taxes9903€1.0m
Income taxes67/77€0.2m
Profit (loss) for the period9904€0.8m
Profit (loss) for the period to be appropriated9905€0.8m
Line2025
Assets
Total assets20/58€1.5m
Fixed assets21/28€0.2m
Tangible fixed assets22/27€0.2m
Plant, machinery and equipment23€0.005m
Furniture and vehicles24€0.1m
Financial fixed assets28€0.001m
Current assets29/58€1.3m
Stocks and contracts in progress3€0.2m
Stocks30/36€0.2m
Amounts receivable within one year40/41€0.9m
Trade receivables40€0.8m
Other amounts receivable41€0.08m
Cash at bank and in hand54/58€0.2m
Deferred charges and accrued income490/1€0.02m
Equity and liabilities
Total equity and liabilities10/49€1.5m
Equity10/15€0.6m
Contributions10/11€0.05m
Profit (loss) carried forward14€0.6m
Amounts payable17/49€0.9m
Amounts payable within one year42/48€0.9m
Trade debts44€0.07m
Suppliers440/4€0.07m
Taxes, remuneration and social security45€0.2m
Taxes450/3€0.1m
Remuneration and social security454/9€0.05m
Other amounts payable47/48€0.6m
Accrued charges and deferred income492/3€0.003m
Line2025
Profit (loss) for the period9904€816,363
+ Depreciation and write-downs630€47,593
Operating cash flow (approximation)€863,955

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Public contracts: not fully processed yet. The notices from October 2023 to September 2026 are still being read.

Directors

Directors
2 directors, last change in 2025

Board 2

Antony GOKA Limited partnership
Director · since 03-05-2025 · Limited partnership · permanent representative: Antony GOKA
Current
Véronique TIMMERMANN Limited partnership
Director · since 03-05-2025 · Limited partnership · permanent representative: Véronique TIMMERMANN
Current

Permanent representatives 2

Antony GOKA
Permanent representative · since 03-05-2025 · for Antony GOKA
Current
Véronique TIMMERMANN
Permanent representative · since 03-05-2025 · for Véronique TIMMERMANN
Current
Derived from published Gazette deeds. The KBO keeps the official list of office holders; we do not read it, so the two can differ. See the directors and other office holders in the KBO →
Not every act has been read: a resignation may still be missing
1 of this company's 2 Belgian Official Gazette acts has not been read yet. Appointments and resignations recorded in them are not yet in the list of directors: someone who resigned there may still be listed as sitting. The acts are in the Timeline.

Mandate history

4 people since 2025, 2 in office
Show
  • Board
  • began earlier
Mandates per person, with start and end dates
Name Functions and periods
Antony GOKA
  • Director, from 03-05-2025 to date
Véronique TIMMERMANN
  • Director, from 03-05-2025 to date
Antony GOKA
  • Director, until 03-05-2025
Véronique TIMMERMANN
  • Director, until 03-05-2025
See the board, name and seat on a given date →

Owners and capital

Owners

No owners or capital events in the accounts and acts we read.

Group and network

Connections & network

1 connected company
Depth

The connected companies are in the list below.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.
Linked via shared directors
L'ATELIER DU FROID
Shared corporate director
→

History

ATF Construct was incorporated on 19 March 2024 as a private limited company.1 The board currently has 2 members; Antony GOKA has served longest, since 2025.2 The company has filed annual accounts once, for financial year 2025.3

  1. 1KBO (Crossroads Bank for Enterprises)
  2. 2Belgian Official Gazette, 05-02-2026
  3. 3National Bank, annual accounts 2025

Acts, filings and financial milestones

2026
05-02
Gazette deed Resignations: Véronique TIMMERMANN (director) and Antony GOKA (director)
Appointments: Scomm Véronique TIMMERMANN (director) and Scomm Antony GOKA (director) · Permanent representatives: Véronique TIMMERMANN and Antony GOKA · Director discharge10 facts ▸
  • General meeting, 03-05-2025
  • Director resignation, Véronique TIMMERMANN (director)
  • Director resignation, Antony GOKA (director)
  • Director discharge, Véronique TIMMERMANN (director)
  • Director discharge, Antony GOKA (director)
  • Other statement, “remerciement pour l'exercice du mandat jusqu'à ce jour, unanimité” (deed in French)
  • Director appointment, Scomm Véronique TIMMERMANN (director)
  • Director appointment, Scomm Antony GOKA (director)
  • Permanent representative, Véronique TIMMERMANN (représentée par)
  • Permanent representative, Antony GOKA (représentée par)
21-01
NBB filing Annual accounts filed
financial year 2025 · full format
Gazette deedNBB filing
1 of 2 deeds read
About the unread acts

Of the 2 Belgian Official Gazette acts we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Register details

Identification
Legal formPrivate limited company
Founded19-03-2024
Financial year end30-06
Activities, NACEBEL 2025
28250Manufacture of machinery and equipment not elsewhere classified
43990Other specialised construction activities
Contact
E-invoicing
Reachable via Peppol
Peppol ID 0208:1007279771
Also 9925:BE1007279771
Registered 25-07-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 11 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice, with enterprise number 1007.279.771

Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.

Sites & property

Location & real-estate footprint
Registered office, Andenne · 1 establishment unit since 2024
registered office establishment The establishment unit on the map
Ground area
3,844 m²
Building footprint
1,186 m²
Parcel 92411E0014/00N000, Wallonia. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
ATF Construct
Rue Bourie 3, 5300 AndenneManufacture of machinery and equipment not elsewhere classified
since 2024unit no. 2.357.300.730
1 parcel
Wallonia 1 (100%)
Cadastral parcel Region Area Buildings Height / floors
92411E0014/00N000 Wallonia 3,844 m² 1 · 1,186 m² -
How the parcels are linked
Good to know
The parcel matches the address exactly.