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ATMA SPANDA

Active
Private limited companyfounded 20242 yrs activeRue du Petit Villerot(T) 122, 7333 Saint-Ghislain, BelgiumKBO/BCE: BE 1013.907.148
Summary

ATMA SPANDA has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €9,146 and a net result of €6,646. Its solvency ranks better than 30% of 9525 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.2% (low).

Checked score

Score 2024
Axes
Profitability84
Solvency50
Growth-
Track record67
Bankruptcy probability, 12 months
1.2% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.34; short-term debt: 74.5% and cash: 100% of total assets), and 74.5% 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 · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024
Solvency, return and age of the figures
Solvency
25.5%
Return on assets
18.5%
Age of the figures
21 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-08-2025, 30 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 · 1 filing
Deviation from the deadline
2024
30 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its 2024 accounts 30 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed late.

Checked, nothing found (1)
neutral · 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

History

On 23 September 2024, ATMA SPANDA was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2024

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Financials · fiscal year 2024, micro schema

Equity
€9,146
Total assets
€35,905
Net result
€6,646
Working capital
€9,146

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

Balance-sheet composition
Equity and liabilities €35,905
Equity €9,146
Debt €26,759
Debt finances 74.5% of the balance-sheet total.
Key figures and ratios
2024 value
Current ratio
1.34
Debt to equity
2.93
ROE
72.7%
ROA
18.5%
Debt ≤ 1 year
€26,759
Income taxes
€1,680

Peer companies

Historical observation

Of the 7,976 companies that looked in July 2024 the way this one looks now, 3.6% went bankrupt within 24 months and 94% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 10 to 30%
  • a profit of 5% of the balance sheet or more
3.6% went bankrupt
1.8% stopped otherwise
94% still going

A further 0.3% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.2% 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 497,338 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% 1.9%
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 7,976 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 · 2024 · 21 lines
Balance sheet Code2024
Assets
Total assets20/58€35,905
Current assets29/58€35,905
Cash at bank and in hand54/58€35,905
Equity and liabilities
Total equity and liabilities10/49€35,905
Equity10/15€9,146
Contributions10/11€2,500
Profit (loss) carried forward14€6,646
Amounts payable17/49€26,759
Amounts payable within one year42/48€26,759
Trade debts44€2,412
Suppliers440/4€2,412
Taxes, remuneration and social security45€4,351
Taxes450/3€4,351
Other amounts payable47/48€19,996
Income statement Code2024
Gross operating margin9900€8,325
Operating profit (loss)9901€8,325
Profit (loss) for the period before taxes9903€8,325
Income taxes67/77€1,680
Profit (loss) for the period9904€6,646
Profit (loss) for the period to be appropriated9905€6,646
Appropriation of the result
Profit (loss) to be appropriated9906€6,646

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2024
Gross operating margin9900€8,325
Operating profit (loss)9901€8,325
Profit (loss) for the period before taxes9903€8,325
Income taxes67/77€1,680
Profit (loss) for the period9904€6,646
Profit (loss) for the period to be appropriated9905€6,646
Line2024
Assets
Total assets20/58€35,905
Current assets29/58€35,905
Cash at bank and in hand54/58€35,905
Equity and liabilities
Total equity and liabilities10/49€35,905
Equity10/15€9,146
Contributions10/11€2,500
Profit (loss) carried forward14€6,646
Amounts payable17/49€26,759
Amounts payable within one year42/48€26,759
Trade debts44€2,412
Suppliers440/4€2,412
Taxes, remuneration and social security45€4,351
Taxes450/3€4,351
Other amounts payable47/48€19,996
Line2024
Profit (loss) for the period9904€6,646
Operating cash flow (approximation)€6,646

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

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Timeline · acts, filings and financial milestones

2025
30-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
NBB filing
0 of 2 acts read
About the unread acts

We know of 2 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
2 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, Saint-Ghislain · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
1,180 m²
Building footprint
147 m²
Volume, LiDAR
1,008 m³
2 parcels, Wallonia · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ATMA SPANDA
Rue du Commerce 251, 7370 DourAgents in non-specialised wholesale trade
since 20242.368.823.538
2 parcels
Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
53075D0004/00G000 Wallonia 615 m² 1 · 51 m² 10.6 m · 2 fl.
53021B0552/02L000 Wallonia 565 m² 1 · 97 m² 7.6 m · 2 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.

Similar companies · same sector, comparable size

Of 4,578 companies in sector 82300 we hold annual accounts for 1,673. 875 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
Founded23-09-2024
Fiscal year end31-12
Activities, NACEBEL 2025
82300Organisation of conventions and trade shows
86931Psychology services
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

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Register as of 28 September 2026 · Peppol Directory

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