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ATOU'

Active
Public limited companyfounded 199035 yrs activeRue de la Chapelle 82, 4800 Verviers, BelgiumKBO/BCE: BE 0441.869.147
Summary

ATOU' has been active since 1990 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags). The 2025 annual accounts show negative equity (-€270,881) and a net result of -€5,209. Equity is shrinking by ~5.6% per year across the filed fiscal years. Its solvency ranks better than 5% of 18606 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability0=
Solvency0=
Growth58=
Track record92
Bankruptcy probability, 12 months
1.3% Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.03 against 0.02 in 2024; cash: 3.4% of total assets), and equity is negative.
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Signals

Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2025
Solvency, return and age of the figures
Return on assets
-62.1%
Age of the figures
12 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 35 years 0 40 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Multiple establishment units
Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.
KBO · establishment units
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year -€270,881
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 16-03-2026, 45 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
45 d early
2024
55 d early
2023
36 d early
2022
2 d early
2021
25 d early
2020
24 d early
2019
111 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 43 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.

raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publications
Publications
Strikeout withdrawal
Checked, nothing found (1)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 26 March (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
28-09-2026 today30-09-2026 close30-04-2027 deadline

History

On 8 October 1990, ATOU' was incorporated.1 Total assets went from EUR 18,950 in 2018 to EUR 8,392 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2025

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Financials · fiscal year 2025, micro schema

Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€5,209▲ 48.9%
2024 · -€10,186
Working capital
-€271,631▼ 2.0%
2024 · -€266,422
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result-€11,540▲ 26.2%-€10,441▲ 9.5%-€1,419▲ 86.4%-€5,182▼ 265%-€3,772▲ 27.2%
Net result-€18,548below the sector's middle half▲ 6.9%-€18,747below the sector's middle half▼ 1.1%-€7,085below the sector's middle half▲ 62.2%-€10,186below the sector's middle half▼ 43.8%-€5,209below the sector's middle half▲ 48.9%
Equity-€229,654below the sector's middle half▼ 8.8%-€248,401below the sector's middle half▼ 8.2%-€255,486below the sector's middle half▼ 2.9%-€265,672below the sector's middle half▼ 4.0%-€270,881below the sector's middle half▼ 2.0%
Total assets€12,821below the sector's middle half▼ 58.1%€5,180below the sector's middle half▼ 59.6%€7,209below the sector's middle half▲ 39.2%€7,309below the sector's middle half▲ 1.4%€8,392below the sector's middle half▲ 14.8%
Debt€242,475▲ 0.3%€253,581▲ 4.6%€262,695▲ 3.6%€272,981▲ 3.9%€279,273▲ 2.3%
Working capital-€234,247below the sector's middle half▼ 8.3%-€249,151below the sector's middle half▼ 6.4%-€256,236below the sector's middle half▼ 2.8%-€266,422below the sector's middle half▼ 4.0%-€271,631below the sector's middle half▼ 2.0%
Solvency
Current ratio0.03below the sector's middle half▼ 0.070.02below the sector's middle half▼ 0.020.02below the sector's middle half▲ 0.010.02below the sector's middle half=0.03below the sector's middle half=
Return on assets (ROA)-144.7%below the sector's middle half▼ 79.6pp-361.9%below the sector's middle half▼ 217.2pp-98.3%below the sector's middle half▲ 263.6pp-139.4%below the sector's middle half▼ 41.1pp-62.1%below the sector's middle half▲ 77.3pp
Staff (FTE)1.3▼ 76.8%
above within below the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
-€20,000-€15,000-€10,000-€5,000€0Operating result 2021: -€11,540-€11,540Net result 2021: -€18,548-€18,548Operating result 2022: -€10,441-€10,441Net result 2022: -€18,747-€18,747Operating result 2023: -€1,419-€1,419Net result 2023: -€7,085-€7,085Operating result 2024: -€5,182-€5,182Net result 2024: -€10,186-€10,186Operating result 2025: -€3,772-€3,772Net result 2025: -€5,209-€5,20920212022202320242025-€15,000-€10,000-€5,000€0Operating result 2023: -€1,419-€1,420Net result 2023: -€7,085-€7,080Operating result 2024: -€5,182-€5,180Net result 2024: -€10,186-€10,200Operating result 2025: -€3,772-€3,770Net result 2025: -€5,209-€5,210202320242025
The operating result stays negative: a loss of €3,772 in 2025 against €5,182 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €8,392
Fixed assets €750 =
Current assets €7,642 ▲ 16.5%
Key figures and ratios
2025 value · change against 2024
Debt to equity
-1.03▼
2024 · -1.03
Debt ≤ 1 year
€279,273▲
2024 · €272,981
Income taxes
€1,200▼
2024 · €4,800
A ratio outside any meaningful range has been withheld (balance sheet total €8,392, equity -€270,881).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 6,639 companies that looked in July 2024 the way this one looks now, 4.1% went bankrupt within 24 months and 84% are still going.

  • Micro
  • 20 years or older
  • negative equity
  • a loss of 10% of the balance sheet or more
4.1% went bankrupt
9.8% stopped otherwise
84% still going

A further 2.0% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.3% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 6,639 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 · 2025 against 2024 · 38 lines
Balance sheet Code20242025
Assets
Total assets20/58€7,309€8,392▲
Fixed assets21/28€750€750=
Financial fixed assets28€750€750=
Current assets29/58€6,559€7,642▲
Amounts receivable within one year40/41€6,216€7,054▲
Trade receivables40€4,730€5,230▲
Other amounts receivable41€1,486€1,824▲
Cash at bank and in hand54/58€40€283▲
Deferred charges and accrued income490/1€303€305▲
Equity and liabilities
Total equity and liabilities10/49€7,309€8,392▲
Equity10/15-€265,672-€270,881▼
Contributions10/11€62,000€62,000=
Capital10€62,000€62,000=
Issued capital100€62,000€62,000=
Reserves13€1,859€1,859=
Non-distributable reserves130/1€1,859€1,859=
Legal reserve130€1,859€1,859=
Profit (loss) carried forward14-€329,531-€334,740▼
Amounts payable17/49€272,981€279,273▲
Amounts payable within one year42/48€272,981€279,273▲
Trade debts44€2,073€1,032▼
Suppliers440/4€2,073€1,032▼
Taxes, remuneration and social security45€4-
Taxes450/3€4-
Other amounts payable47/48€270,904€278,241▲
Income statement Code20242025
Other operating charges640/8€318€321▲
Gross operating margin9900-€4,864-€3,451▲
Operating profit (loss)9901-€5,182-€3,772▲
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€204€238▲
Recurring financial charges65€204€238▲
Profit (loss) for the period before taxes9903-€5,386-€4,009▲
Income taxes67/77€4,800€1,200▼
Profit (loss) for the period9904-€10,186-€5,209▲
Profit (loss) for the period to be appropriated9905-€10,186-€5,209▲
Appropriation of the result
Profit (loss) to be appropriated9906-€329,531-€334,740▼
Profit (loss) brought forward from the previous period14P-€319,345-€329,531▼

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

Line20212022202320242025Change
Remuneration, social security and pensions62€54,671€657----
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,406€3,842----
Other operating charges640/8€131€292€300€318€321▲ 1.0%
Gross operating margin9900€44,668-€5,649-€1,119-€4,864-€3,451▲ 29.1%
Operating profit (loss)9901-€11,540-€10,441-€1,419-€5,182-€3,772▲ 27.2%
Financial income75/76B€120-€0-€1-
Recurring financial income75€120-€0-€1-
Financial charges65/66B€4,628€1,211€866€204€238▲ 16.8%
Recurring financial charges65€4,628€1,211€866€204€238▲ 16.8%
Profit (loss) for the period before taxes9903-€16,048-€11,651-€2,285-€5,386-€4,009▲ 25.6%
Income taxes67/77€2,500€7,095€4,800€4,800€1,200▼ 75.0%
Profit (loss) for the period9904-€18,548-€18,747-€7,085-€10,186-€5,209▲ 48.9%
Profit (loss) for the period to be appropriated9905-€18,548-€18,747-€7,085-€10,186-€5,209▲ 48.9%
Line20212022202320242025Change
Assets
Total assets20/58€12,821€5,180€7,209€7,309€8,392▲ 14.8%
Fixed assets21/28€4,593€750€750€750€750=
Tangible fixed assets22/27€3,843-----
Plant, machinery and equipment23€1,904-----
Furniture and vehicles24€1,939-----
Financial fixed assets28€750€750€750€750€750=
Current assets29/58€8,228€4,430€6,459€6,559€7,642▲ 16.5%
Amounts receivable within one year40/41€4,266€3,977€5,745€6,216€7,054▲ 13.5%
Trade receivables40€345€3,000€4,880€4,730€5,230▲ 10.6%
Other amounts receivable41€3,921€977€865€1,486€1,824▲ 22.7%
Cash at bank and in hand54/58€3,430€244€307€40€283▲ 604%
Deferred charges and accrued income490/1€532€210€407€303€305▲ 0.8%
Equity and liabilities
Total equity and liabilities10/49€12,821€5,180€7,209€7,309€8,392▲ 14.8%
Equity10/15-€229,654-€248,401-€255,486-€265,672-€270,881▼ 2.0%
Contributions10/11€62,000€62,000€62,000€62,000€62,000=
Capital10€62,000€62,000€62,000€62,000€62,000=
Issued capital100€62,000€62,000€62,000€62,000€62,000=
Reserves13€1,859€1,859€1,859€1,859€1,859=
Non-distributable reserves130/1€1,859€1,859€1,859€1,859€1,859=
Legal reserve130€1,859€1,859€1,859€1,859€1,859=
Profit (loss) carried forward14-€293,513-€312,260-€319,345-€329,531-€334,740▼ 1.6%
Amounts payable17/49€242,475€253,581€262,695€272,981€279,273▲ 2.3%
Amounts payable within one year42/48€242,475€253,581€262,695€272,981€279,273▲ 2.3%
Trade debts44€7,093€2,275€782€2,073€1,032▼ 50.2%
Suppliers440/4€7,093€2,275€782€2,073€1,032▼ 50.2%
Taxes, remuneration and social security45€3,600€1,231€6€4--
Taxes450/3-€31€6€4--
Remuneration and social security454/9€3,600€1,200----
Other amounts payable47/48€231,782€250,075€261,907€270,904€278,241▲ 2.7%
Line20212022202320242025Change
Profit (loss) for the period9904-€18,548-€18,747-€7,085-€10,186-€5,209▲ 48.9%
+ Depreciation and write-downs630€1,406€3,842----
Operating cash flow (approximation)-€17,142-€14,904-€7,085-€10,186-€5,209▲ 48.9%
Investment in fixed assets (approximation)-€1€0€0€0-
Change in cash--€3,186€64-€267€243▲ 191%

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

Next filing, fiscal year 2026, expected by 30-04-2027
2026
16-03
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
06-03
NBB filing Annual accounts filed
fiscal year 2024 · full schema
2024
25-03
NBB filing Annual accounts filed
fiscal year 2023 · full schema
2023
28-04
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
05-04
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
06-04
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial Weakest financial yearnet -€19,927
Net result drops to -€19,927, the lowest in the series; recovery starts the following year.
09-03
KBO administration Strikeout withdrawal
event 19-02-2020
19-02
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 295 days late
19-02
NBB filing Annual accounts filed
fiscal year 2017 · micro schema · 660 days late
10-01
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2019
20-09
NBB filing Annual accounts filed
fiscal year 2014 · full schema · 1604 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts

We know of 3 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
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 · 2 establishment units since 1990
seat establishment All 2 establishment units on the map
Ground area
1,976 m²
Building footprint
693 m²
Volume, LiDAR
4,939 m³
2 parcels, Wallonia · tallest building 17.3 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
AUT-REP
Rue de la Chapelle 82, 4800 VerviersNACE 28520
since 19902.050.447.465
CANADIAN BURGERS
Place du Martyr 21, 4800 VerviersAgents in the wholesale of food, beverages and tobacco
since 20192.296.900.117
2 parcels
Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
63573A0268/00T002 Wallonia 1,625 m² 1 · 330 m² -
63079A0277/00N000 Wallonia 351 m² 1 · 363 m² 17.3 m · 4 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 and region

This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 10,664 companies in sector 47811 we hold annual accounts for 5,226. See the whole sector

Identification & contact

Identification
Legal formPublic limited company
Founded08-10-1990
Fiscal year end30-09
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47820Retail sale of motor vehicle parts and accessories
46170Agents in the wholesale of food, beverages and tobacco
46349Wholesale of beverages, general range
46412Wholesale of household textiles and bedding
46720Wholesale of motor vehicle parts and accessories
47830Retail sale of motorcycles and motorcycle parts and accessories
56112Limited-service restaurants, excluding mobile food services
E-invoicing
Reachable via Peppol
Peppol ID 0208:0441869147
Registered 22-12-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 28 September 2026 · Peppol Directory

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