ATO Beheer is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €126k and a net result of €21k. Its solvency ranks better than 31% of 5498 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2024, under 3 years, statistically higher risk.
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 24-07-2026, 7 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
7 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, abbreviated schema
Equity
€126k
Net result
€21k
Total assets
€411k
Solvency
30.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Assets €411k
Fixed assets
€400k
Current assets
€11k
Equity and liabilities €411k
Equity
€126k
Debt
€285k
Debt finances 69.4% of the balance-sheet total.
Key figures and ratios
Solvency
30.6%
ROE
16.5%
ROA
5.0%
Debt
€285k
Debt ≤ 1 year
€36k
Debt > 1 year
€243k
Income taxes
€7k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€411k
Fixed assets21/28€400k
Financial fixed assets28€400k
Current assets29/58€11k
Amounts receivable within one year40/41€4k
Trade receivables40€4k
Cash at bank and in hand54/58€7k
Equity and liabilities
Total equity and liabilities10/49€411k
Equity10/15€126k
Contributions10/11€105k
Reserves13€21k
Distributable reserves133€21k
Amounts payable17/49€285k
Amounts payable after more than one year17€243k
Financial debts170/4€243k
Amounts payable within one year42/48€36k
Current portion of amounts payable after more than one year42€27k
Taxes, remuneration and social security45€9k
Taxes450/3€9k
Accrued charges and deferred income492/3€6k
Income statement
Code2025
Other operating charges640/8€911
Gross operating margin9900€43k
Operating profit (loss)9901€42k
Financial charges65/66B€14k
Recurring financial charges65€14k
Profit (loss) for the period before taxes9903€28k
Income taxes67/77€7k
Profit (loss) for the period9904€21k
Profit (loss) for the period to be appropriated9905€21k
Appropriation of the result
Profit (loss) to be appropriated9906€21k
Transfer to equity691/2€21k
To other reserves6921€21k
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
NBB filing
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, Antwerpen · 1 establishment unit since 2024
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.
de Robianostraat 1182150 AntwerpenGround area
1,231 m²
Building footprint
232 m²
Volume, LiDAR
1,563 m³
Parcel 11007A0099/00N016, Flanders · tallest building 9.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ATO Beheer
since 20242.363.202.387
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11007A0099/00N016 | Flanders | 1,231 m² | 1 · 232 m² | 9.5 m · 3 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
PVJD
BE 0643.876.991
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SERDISER
BE 0478.945.121
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TRENTANOVE
BE 0718.976.965
Maarkedal · Eq €126k
LUFIMA
BE 0458.613.228
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Balo Invest
BE 0739.737.044
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 12,885 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-07-2024
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70100Activities of head offices
70200Business and other management consultancy
70220Business consulting
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.