ATOMA
ActiveSummary
ATOMA has been active since 1940 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €9.75M and a net result of €655k. Equity is growing by ~9.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 47 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+21
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €750k at 30 days acceptable
Liquidity ample (current ratio 26.8 against 18.81 in 2024; short-term debt: 3.4% and cash: 4.8% of total assets), and 6.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
93.2%
Return on assets
6.3%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 17
Relative position
BE, all sectors
reference
Sector 17
higher
← fewer bankruptcies
more bankruptcies →
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
37 d early
2023
14 d early
2022
11 d early
2021
45 d early
2020
39 d early
2019
17 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€9.75M▲ 7.2%
2024 · €9.09M
2018: €4.06M
2019: €5.65M
2020: €6.26M
2021: €6.94M
2022: €7.61M
2023: €8.34M
2024: €9.09M
2018 → 2025
Total assets
€10.46M▲ 3.8%
2024 · €10.07M
2018: €8.42M
2019: €10.15M
2020: €9.96M
2021: €10.26M
2022: €10.21M
2023: €9.92M
2024: €10.07M
2018 → 2025
Net result
€655k▼ 12.8%
2024 · €751k
2018: €479k
2019: €1.59M
2020: €612k
2021: €678k
2022: €677k
2023: €728k
2024: €751k
2018 → 2025
Working capital
€9.13M▲ 9.0%
2024 · €8.37M
2018: €3.64M
2019: €5.50M
2020: €6.03M
2021: €6.69M
2022: €6.74M
2023: €7.46M
2024: €8.37M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6.94M-€7.61M▲ 9.8%€8.34M▲ 9.6%€9.09M▲ 9.0%€9.75M▲ 7.2%
Operating result€925k-€991k▲ 7.2%€887k▼ 10.5%€934k▲ 5.3%€854k▼ 8.6%
Net result€678k-€677k▼ 0.1%€728k▲ 7.6%€751k▲ 3.1%€655k▼ 12.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 9% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €10.46M
Fixed assets
€981k ▼ 20.5%
Current assets
€9.48M ▲ 7.2%
Equity and liabilities €10.46M
Equity
€9.75M ▲ 7.2%
Provisions
€70k ▼ 25.0%
Debt
€644k ▼ 27.5%
Debt's share of the balance-sheet total falls from 8.8% to 6.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€1.11M▼
2024 · €1.19M
Cash flow
€908k▼
2024 · €1.00M
Current ratio
26.80▲
2024 · 18.81
Quick ratio
23.76▲
2024 · 16.14
Debt to equity
0.07▼
2024 · 0.10
ROE
6.7%▼
2024 · 8.3%
ROA
6.3%▼
2024 · 7.5%
Interest coverage
33.11▲
2024 · -627.61
Debt ≤ 1 year
€354k▼
2024 · €470k
Debt > 1 year
€291k▼
2024 · €392k
Income taxes
€319k▼
2024 · €375k
Staff costs
€447k▲
2024 · €446k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 59 lines
Balance sheet
Code20242025
Assets
Total assets20/58€10.07M€10.46M▲
Fixed assets21/28€1.23M€981k▼
Tangible fixed assets22/27€1.23M€981k▼
Land and buildings22€26k€22k▼
Plant, machinery and equipment23€1.08M€871k▼
Furniture and vehicles24€130k€88k▼
Current assets29/58€8.84M€9.48M▲
Amounts receivable after more than one year29€462k€287k▼
Other amounts receivable291€462k€287k▼
Stocks and contracts in progress3€1.26M€1.07M▼
Stocks30/36€1.26M€1.07M▼
Amounts receivable within one year40/41€175k€566k▲
Trade receivables40€158k€333k▲
Other amounts receivable41€17k€233k▲
Current investments50/53€6.16M€7.04M▲
Cash at bank and in hand54/58€758k€506k▼
Deferred charges and accrued income490/1€27k€11k▼
Equity and liabilities
Total equity and liabilities10/49€10.07M€10.46M▲
Equity10/15€9.09M€9.75M▲
Contributions10/11€62k€62k=
Revaluation surpluses12€67k€67k=
Reserves13€8.96M€9.62M▲
Tax-exempt reserves132€491k€421k▼
Distributable reserves133€8.47M€9.20M▲
Provisions and deferred taxes16€93k€70k▼
Deferred taxes168€93k€70k▼
Amounts payable17/49€888k€644k▼
Amounts payable after more than one year17€392k€291k▼
Financial debts170/4€392k€291k▼
Amounts payable within one year42/48€470k€354k▼
Current portion of amounts payable after more than one year42€100k€101k▲
Trade debts44€132k€114k▼
Suppliers440/4€132k€114k▼
Taxes, remuneration and social security45€213k€135k▼
Taxes450/3€154k€84k▼
Remuneration and social security454/9€59k€51k▼
Other amounts payable47/48€25k€4k▼
Accrued charges and deferred income492/3€27k€0▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€446k€447k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€253k€253k=
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-81k€0▲
Other operating charges640/8€91k€9k▼
Gross operating margin9900€1.64M€1.56M▼
Operating profit (loss)9901€934k€854k▼
Financial income75/76B€167k€130k▼
Recurring financial income75€167k€130k▼
Financial charges65/66B€-2k€33k▲
Recurring financial charges65€-2k€33k▲
Profit (loss) for the period before taxes9903€1.10M€950k▼
Transfer from deferred taxes780€23k€23k=
Income taxes67/77€375k€319k▼
Profit (loss) for the period9904€751k€655k▼
Transfer from tax-exempt reserves789€70k€70k=
Profit (loss) for the period to be appropriated9905€821k€725k▼
Appropriation of the result
Profit (loss) to be appropriated9906€821k€725k▼
Transfer to equity691/2€821k€725k▼
To other reserves6921€821k€725k▼
Social balance
Average headcount (FTE)90878.88.3▼
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity doublescurrent ratio 18.81
Current ratio from 8.74 to 18.81; short-term debt falls from €965k to €470k.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Highest result since 2018net €1.59M ▲232%
Operating result €1.77M, net result €1.59M, both a record.
31-12
Financial
Equity above €5MEq €5.65M ▲39.2%
2 profitable years in a row build equity to €5.65M.
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 23 days late
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Dilbeek · 1 establishment unit since 1940
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.
Itterbeeksebaan 711700 DilbeekGround area
6,572 m²
Building footprint
3,175 m²
Volume, LiDAR
26,871 m³
Parcel 23352F0065/00C000, Flanders · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Itterbeeksebaan 71, 1700 Dilbeek
since 19402.002.841.152
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23352F0065/00C000 | Flanders | 6,572 m² | 1 · 3,175 m² | 10.8 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 7 entries · 11,023 EUR awarded · 11,129 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 4,520 EUR | 4,520 EUR |
| 2024 | 2 | 3,015 EUR | 3,015 EUR |
| 2023 | 2 | 2,919 EUR | 3,025 EUR |
| 2022 | 1 | 569 EUR | 569 EUR |
Schemes
Subsidies voor internationaal ondernemen
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
875500NW2RFBIREKXO15
Similar companies · same sector, comparable size
LUMIPAPER
BE 0436.452.092
Beveren-Kruibeke-Zwijndrecht · Eq €9.16M
CHIYODA EUROPA
BE 0424.426.666
Genk · Eq €11.95M
CFF Belgium
BE 0413.514.166
Temse · Eq €12.88M
SEMOULIN PACKAGING
BE 0417.948.452
Hensies · Eq €13.97M
AHLSTROM MALMEDY S.A.
BE 0418.148.588
Malmedy · Eq €6.52M
Of 125 companies in sector 17120 we hold annual accounts for 92. 43 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-01-1940
Fiscal year end31-12
Activities, NACEBEL 2025
17120Manufacture of paper and paper products
17230Manufacture of paper and paper products
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.