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ATOP

Active
Private limited companyfounded 199234 yrs activeMonseigneur De Haernelaan(Kor) 31, 8500 Kortrijk, BelgiumKBO/BCE: BE 0447.302.632
Summary

ATOP has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €55,467 and a net result of -€11,756. Equity is growing by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 29% of 5451 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

Risk analysisWatch ReportCompare
ATOPActiveChecked score 67/100
Risk analysis ReportCompare

Overview

Activity
Other cleaning activities
NACE 81230NACE 74700NACE 81290
1 site
Size
€263,418total assets 2025
Staff
4.5 FTE
Equity
€55,467
Loss
-€11,756
Turnover not published (abridged schema)
Financial health
67 Healthy Checked score 2025
Bankruptcy chance 12 m
0.7%
Structure
Accounts filed 31 d late0 of 3 deeds read
Why 67- Sector Services to buildings and landscape activities (NACE 81)- Latest accounts 31 days late; 1 of the last 3 late+ Founded in 1992+ Size: total assets €263,418Show the evidence

Checked score

Score 2025
67 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 22% of its sector peers (NACE 81, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 46-20
equity 21.1% of total assets
Liquidity 36+1
short-term debt 54.1% · cash 11.2%
Profitability 21+6
return on assets -4.5%
Bankruptcy probability, 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%

About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.9% (7,660 companies)
Last 24 months 11-2024: 0.2% 12-2024: 0.2%● 0.0% vs 11-2024 01-2025: 0.2%▼ -1.5% vs 12-2024lowest value 02-2025: 0.2%● 0.0% vs 01-2025lowest value 03-2025: 0.2%● 0.0% vs 02-2025lowest value 04-2025: 0.2%▲ +8.9% vs 03-2025 05-2025: 0.2%● 0.0% vs 04-2025 06-2025: 0.2%▼ -4.1% vs 05-2025 07-2025: 0.3%▲ +30.8% vs 06-2025 08-2025: 0.5%▲ +84.4% vs 07-2025 09-2025: 0.9%▲ +70.1% vs 08-2025 10-2025: 0.9%● 0.0% vs 09-2025 11-2025: 0.9%● 0.0% vs 10-2025 12-2025: 0.9%● 0.0% vs 11-2025 01-2026: 0.9%▼ -1.0% vs 12-2025 02-2026: 0.9%● 0.0% vs 01-2026 03-2026: 0.9%● 0.0% vs 02-2026 04-2026: 0.9%▲ +8.5% vs 03-2026 05-2026: 0.9%▲ +2.2% vs 04-2026 06-2026: 0.9%▼ -2.6% vs 05-2026 07-2026: 1.0%▲ +5.8% vs 06-2026 08-2026: 1.6%▲ +68.5% vs 07-2026highest value 09-2026: 0.7%▼ -58.4% vs 08-2026 10-2026: 0.7%● 0.0% vs 09-2026
  • Sector Services to buildings and landscape activities (NACE 81) raises the probability
  • Founded in 1992 lowers the probability for this profile
  • Latest accounts 31 days late; 1 of the last 3 late raises the probability
  • Size: total assets €263,418 lowers the probability for this profile
Credit up to €3,500 at 30 days acceptable
Liquidity tight (current ratio 1.32 against 1.39 in 2024; short-term debt: 54.1% and cash: 11.2% of total assets), and 78.9% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 81, micro). Better than this share of them on solvency 28%, liquidity 27%, profitability 14%, growth against the median 19%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Sector Services to buildings and landscape activities (NACE 81)
In the bankruptcy model this factor raises the probability.
KBO
lowers risk · Founded in 1992
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Latest accounts 31 days late; 1 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
lowers risk · Size: total assets €263,418
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year -€11,756
neutral · A punctual record breaks
This company filed 7 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filings
Deviation from the deadline
2025
31 d late
2024
1 d early
2023
2 d early
2022
2 d early
2021
3 d early
2020
2 d early
2019
52 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 4 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 43% of the sector filed late.

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. Usually files around 30 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
05-10-2026 today31-12-2026 close31-07-2027 deadline
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
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Weakest financial yearnet -€13,568

Key points

  • Caution: Among the weakest 10% on net resultsector median €9,328 · 5,446 companies -€11,756 View
  • Caution: 2 loss-making years in a rowloss fiscal year 2025 -€11,756 View
  • Active since 1992founded 29-04-1992 34 years View

By topic

Financials

Fiscal year
2025
Total assets
€263,418
Loss
-€11,756
Solvency
21.1%
Total assets▲ 59.1%
Net result
20182025
Go to Financials

Timeline

Events
12
Since
2017
Next accounts
by 31-07-2027
  1. 31-08-2026Annual accounts filed
  2. 30-07-2025Annual accounts filed
  3. 31-12-2024Weakest financial year
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Other cleaning activitiesNACE 81230
Founded
29-04-1992
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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