ATM CONSTRUCT

Active

Private limited companyfounded 20206 yrs activeRue Courtois 11, 4800 Verviers, BelgiumKBO/BCE: BE 0750.516.021

The computed 12-month bankruptcy probability of ATM CONSTRUCT is 2.2% (moderate). The 2024 annual accounts show equity of €163k and a net result of €95k. Equity is growing by ~65.7% per year across the filed fiscal years. Its solvency ranks better than 64% of 9981 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

72 / 100

Healthy

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100▲+22

Solvency80▲+17

Growth78▲+26

Track record100

Bankruptcy probability, 12 months

2.2% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €11k at 30 days acceptable

Liquidity ample (current ratio 1.92 against 1.29 in 2023; short-term debt: 44.7% and cash: 15.5% of total assets), and 44.7% 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

Five signals. The signal on the left, the evidence on the right.

+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 →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-10-2025, 71 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 4 filings

Deviation from the deadline

2025

not confirmed

2024

71 d late

2023

146 d late

2022

101 d late

2021

155 d late

← before the deadline after the 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 2024, micro schema

Equity

€163k▲ 140%

2023 · €68k

2021: €33k 2022: €54k 2023: €68k

2021 → 2024

Total assets

€294k▲ 63.0%

2023 · €180k

2021: €191k 2022: €260k 2023: €180k

2021 → 2024

Net result

€95k▲ 596%

2023 · €14k

2021: €27k 2022: €21k 2023: €14k

2021 → 2024

Working capital

€121k▲ 265%

2023 · €33k

2021: €-14k 2022: €7k 2023: €33k

2021 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2021202220232024Trend

Equity€33k-€54k▲ 61.9%€68k▲ 25.2%€163k▲ 140%

Operating result€37k-€26k▼ 28.1%€18k▼ 33.6%€128k▲ 632%

Net result€27k-€21k▼ 24.5%€14k▼ 34.0%€95k▲ 596%

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

Result per fiscal year

Operating resultNet result

The operating result recovers in 2024; 2024 is 632% above 2023 and is the highest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €294k

14.1%

85.9%

Fixed assets €42k▲ 20.6%

Current assets €253k▲ 73.1%

Equity and liabilities €294k

55.3%

44.7%

Equity €163k▲ 140%

Debt €132k▲ 16.7%

The debt ratio falls from 62.5% to 44.7%. Equity and debt are higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€144k▲

2023 · €43k

Cash flow

€111k▲

2023 · €39k

Solvency

55.3%▲

2023 · 37.5%

Current ratio

1.92▲

2023 · 1.29

Quick ratio

1.92▲

2023 · 1.29

Debt / equity

0.81▼

2023 · 1.67

ROE

58.4%▲

2023 · 20.1%

ROA

32.3%▲

2023 · 7.6%

Interest coverage

59.05▼

2023 · 99.81

Debt

€132k▲

2023 · €113k

Debt ≤ 1 year

€132k▲

2023 · €113k

Income taxes

€31k▲

2023 · €3k

Staff costs

€30k▼

2023 · €45k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€180k€294k▲

Fixed assets21/28€35k€42k▲

Tangible fixed assets22/27€32k€36k▲

Plant, machinery and equipment23€20k€15k▼

Furniture and vehicles24€11k€17k▲

Leasing and similar rights25-€4k

Financial fixed assets28€3k€6k▲

Current assets29/58€146k€253k▲

Amounts receivable within one year40/41€133k€207k▲

Trade receivables40€122k€207k▲

Other amounts receivable41€11k-

Cash at bank and in hand54/58€13k€46k▲

Deferred charges and accrued income490/1-€276

Equity and liabilities

Total equity and liabilities10/49€180k€294k▲

Equity10/15€68k€163k▲

Contributions10/11€6k€6k=

Profit (loss) carried forward14€62k€157k▲

Amounts payable17/49€113k€132k▲

Amounts payable within one year42/48€113k€132k▲

Trade debts44€90k€79k▼

Suppliers440/4€90k€79k▼

Taxes, remuneration and social security45€23k€45k▲

Taxes450/3€16k€35k▲

Remuneration and social security454/9€7k€10k▲

Other amounts payable47/48-€8k

Income statement Code20232024

Remuneration, social security and pensions62€45k€30k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€16k▼

Other operating charges640/8€3k€18k▲

Gross operating margin9900€91k€193k▲

Operating profit (loss)9901€18k€128k▲

Financial charges65/66B€428€2k▲

Recurring financial charges65€428€2k▲

Profit (loss) for the period before taxes9903€17k€126k▲

Income taxes67/77€3k€31k▲

Profit (loss) for the period9904€14k€95k▲

Profit (loss) for the period to be appropriated9905€14k€95k▲

Appropriation of the result

Profit (loss) to be appropriated9906€62k€157k▲

Profit (loss) brought forward from the previous period14P€48k€62k▲

The notes to these accounts (9 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 7Financial 3Filings 4

2025

10-10

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 71 days late

2024

31-12

Financial Highest result since 2021net €95k ▲596%

Operating result €128k, net result €95k, both a record.

31-12

Financial Equity above €150kEq €163k ▲140%

4 profitable years in a row build equity to €163k.

24-12

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 146 days late

2023

31-12

Financial Weakest financial yearnet €14k ▼34%

Net result drops to €14k, the lowest in the series; recovery starts the following year.

09-11

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 101 days late

02-01

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 155 days late

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

Directors · office · real estate

Directors

3 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, Verviers · 1 establishment unit since 2020

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.

Rue Courtois 114800 Verviers

Ground area

186 m²

Building footprint

129 m²

Volume, LiDAR

1,616 m³

Parcel 63079A1443/00W004, Wallonia · tallest building 14.1 m, ±4 floors. Linked by address, not a title deed.

1 establishment unit

ATM CONSTRUCT

Rue Courtois 11, 4800 VerviersReal estate development

since 20202.304.673.280

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
63079A1443/00W004	Wallonia	186 m²	1 · 129 m²	14.1 m · 4 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

TVL+

BE 0821.477.261

Lo-Reninge · Eq €163k

Buggenhout · Eq €163k

Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 12,497 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded10-07-2020

Fiscal year end31-12

Activities, NACEBEL

41001General construction of residential buildings

41002Construction of residential and non-residential buildings

41003General construction of other non-residential buildings

68121Development of residential building projects

68122Development of non-residential building projects

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.