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ATRIO WALL CLADDING

Active
Private limited companyfounded 2024active for 2 yearsNikelaan 25, 2430 Laakdal, BelgiumKBO/BCE: BE 1011.531.044
Summary

The computed 12-month bankruptcy probability of ATRIO WALL CLADDING is 1.9% (moderate). The 2025 annual accounts show equity of €46,756 and a net result of €36,756. Its solvency ranks better than 17% of 34,718 sector peers (NACE 43, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
Floor and wall tiling
NACE 43331
1 site
Size
€317,895total assets 2025
Equity
€46,756
Profit
€36,756
Turnover not published (micro format)
Financial health
52 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.9%
Structure
  • SEKRITODirector · permanent representative MAES,Chris Josee Alfons
2025 accounts 40 days early
Why 52raises riskFounded in 2024Sector: Specialised construction activities (NACE 43)Liquidity: current ratio 1.17, cash €4,717lowers riskSize: total assets €317,895Show the evidence

Checked score

Score 2025
52 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 18% of its sector peers (NACE 43, micro)
Financial strength
Weak
Solvency 40
equity 14.7% of total assets
Liquidity 5
short-term debt 85.3% · cash 1.5%
Profitability 66
return on assets 11.6%
Bankruptcy probability, 12 months
1.9% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,640 companies, NACE 43, micro)
Last 24 months 08-2025: 1.9% 09-2025: 1.9%● unchanged vs 08-2025 10-2025: 2.0%▲ +0.1 percentage points vs 09-2025 11-2025: 2.4%▲ +0.4 percentage points vs 10-2025 12-2025: 2.4%● unchanged vs 11-2025 01-2026: 2.7%▲ +0.3 percentage points vs 12-2025 02-2026: 3.0%▲ +0.3 percentage points vs 01-2026 03-2026: 3.0%● unchanged vs 02-2026 04-2026: 2.9%▼ -0.1 percentage points vs 03-2026 05-2026: 3.0%▲ +0.1 percentage points vs 04-2026 06-2026: 3.2%▲ +0.2 percentage points vs 05-2026highest value 07-2026: 1.9%▼ -1.3 percentage points vs 06-2026 08-2026: 1.9%● unchanged vs 07-2026lowest value 09-2026: 1.9%● unchanged vs 08-2026lowest value 10-2026: 1.9%● unchanged vs 09-2026lowest value
Credit of up to €2,000 on 30-day terms is acceptable
Liquidity tight (current ratio 1.17, below the usual 1.5; short-term debt: 85.3% and cash: 1.5% of total assets), and 85.3% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro): better than 17% on solvency, 4% on liquidity and 32% on profitability.

The bankruptcy probability was computed on 26-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises riskneutral
raises risk · Founded in 2024
Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.
KBO
raises risk · Sector: Specialised construction activities (NACE 43)
KBO
raises risk · Liquidity: current ratio 1.17, cash €4,717
NBB · annual accounts
lowers risk · Size: total assets €317,895
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 34718 sector peers (2025).
NBB · sector comparison
Position among 34718 sector peers
Solvency
better than 17%
← weakest strongest →
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 21-06-2026, 40 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
40 days early
← before the deadline after the deadline →
Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2024.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Name · MiscellaneousCorrection
  3. IncorporationAppointment: SEKRITO (director) · Permanent…

Financials · financial year 2025, micro format

Equity
€46,756
Total assets
€317,895
Net result
€36,756
Working capital
€46,756

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

Balance-sheet composition
Equity and liabilities €317,895
Equity €46,756
Debt €271,139
Debt finances 85.3% of the balance-sheet total.
Key figures and ratios
2025 value
Current ratio
1.17
Debt to equity
5.80
ROE
78.6%
ROA
11.6%
Debt ≤ 1 year
€271,139
Income taxes
€13,380

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 94.3% 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
94.3% 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 1.9% 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 497,475 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% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
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 74.5% 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 · 2025 · 32 lines
Balance sheet Code2025
Assets
Total assets20/58€317,895
Current assets29/58€317,895
Amounts receivable within one year40/41€313,178
Trade receivables40€282,868
Other amounts receivable41€30,310
Cash at bank and in hand54/58€4,717
Equity and liabilities
Total equity and liabilities10/49€317,895
Equity10/15€46,756
Contributions10/11€10,000
Reserves13€36,756
Distributable reserves133€36,756
Amounts payable17/49€271,139
Amounts payable within one year42/48€271,139
Trade debts44€122,758
Suppliers440/4€122,758
Taxes, remuneration and social security45€13,380
Taxes450/3€13,380
Other amounts payable47/48€135,000
Income statement Code2025
Other operating charges640/8€957
Gross operating margin9900€49,607
Operating profit (loss)9901€48,650
Financial income75/76B€1,770
Recurring financial income75€1,770
Financial charges65/66B€283
Recurring financial charges65€283
Profit (loss) for the period before taxes9903€50,136
Income taxes67/77€13,380
Profit (loss) for the period9904€36,756
Profit (loss) for the period to be appropriated9905€36,756
Appropriation of the result
Profit (loss) to be appropriated9906€36,756
Transfer to equity691/2€36,756
To other reserves6921€36,756

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

Line2025
Other operating charges640/8€957
Gross operating margin9900€49,607
Operating profit (loss)9901€48,650
Financial income75/76B€1,770
Recurring financial income75€1,770
Financial charges65/66B€283
Recurring financial charges65€283
Profit (loss) for the period before taxes9903€50,136
Income taxes67/77€13,380
Profit (loss) for the period9904€36,756
Profit (loss) for the period to be appropriated9905€36,756
Line2025
Assets
Total assets20/58€317,895
Current assets29/58€317,895
Amounts receivable within one year40/41€313,178
Trade receivables40€282,868
Other amounts receivable41€30,310
Cash at bank and in hand54/58€4,717
Equity and liabilities
Total equity and liabilities10/49€317,895
Equity10/15€46,756
Contributions10/11€10,000
Reserves13€36,756
Distributable reserves133€36,756
Amounts payable17/49€271,139
Amounts payable within one year42/48€271,139
Trade debts44€122,758
Suppliers440/4€122,758
Taxes, remuneration and social security45€13,380
Taxes450/3€13,380
Other amounts payable47/48€135,000
Line2025
Profit (loss) for the period9904€36,756
Operating cash flow (approximation)€36,756

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

Download as CSV

Filings with the National Bank (1)
Financial year Type Filed Reference
31-12-2025 micro format 21-06-2026 2026-00183735

Similar companies · same sector, comparable size

Of the 3,898 active companies whose main activity is floor and wall tiling (NACE 43331), figures are known for 1,809. 1,554 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.

Directors

Directors
1 director, no change since 2024

Board 1

SEKRITO
Director (not named in the articles) · since 16-07-2024 · Private limited company · permanent representative: MAES,Chris Josee Alfons
Current

Permanent representatives 1

MAES,Chris Josee Alfons
Permanent representative · since 16-07-2024 · for SEKRITO
Current
Derived from published Gazette deeds. The KBO keeps the official list of office holders; we do not read it, so the two can differ. See the directors and other office holders in the KBO →

Mandate history

1 person since 2024, 1 in office
Show
  • Board
Mandates per person, with start and end dates
Name Functions and periods
SEKRITO
  • Director (not named in the articles), from 16-07-2024 to date
See the board, name and registered office on a given date →

Owners and capital

Capital and shareholders

Shareholders according to the deeds
At incorporation act of 16-07-2024 ↗
  • MAES,Chris Josee Alfons 100 shares (100%) · €10,000

The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.

Capital over the years
  1. 16-07-2024 Incorporation · €10,000 · 100 shares

Group and network

Connections & network

1 current director
Depth

The network starts from this company’s directors. Other companies they run appear here as nodes.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.

History

On 12 July 2024, ATRIO WALL CLADDING was incorporated as a private limited company by one natural person, with a starting capital of €10,000.12 SEKRITO has served as director of the company since 2024.2 The company has filed annual accounts once, for financial year 2025.3

  1. 1KBO register
  2. 2Belgian Official Gazette, 16-07-2024
  3. 3National Bank, annual accounts 2025

Acts, filings and financial milestones

2026
21-06
NBB filing Annual accounts filed
financial year 2025 · micro format
2024
23-09
Gazette deed Name · Miscellaneous
Correction1 fact ▸
  • Correction, “ATRIO WALL CLADDING” (deed in Dutch)
16-07
Gazette deed Incorporation
Appointment: SEKRITO (director) · Permanent representative: MAES,Chris Josee Alfons · Founder11 facts ▸
  • Founder, MAES,Chris Josee Alfons
  • Founding capital, €10,000
  • Other provision, “financieel plan en oprichtersaansprakelijkheid, aansprakelijkheid oprichters bij faillissement binnen drie jaar na oprichting indien aanvangsvermogen kennelijk…” (deed in Dutch)
  • Bank account, “BE93 0019 8268 6767, vennootschap in oprichting” (deed in Dutch)
  • Registered office clause, “2430 Laakdal,Nikelaan 25” (deed in Dutch)
  • Director appointment, SEKRITO (director (not named in the articles))
  • Permanent representative, MAES,Chris Josee Alfons
  • Other provision, “geen verbodsbeslissing vaste vertegenwoordiger, niet getroffen door beslissing die zich hiertegen verzet of verbod deze functie op te nemen” (deed in Dutch)
  • Power of attorney, Yves DE CEUNYNCK
  • Other provision, “oprichtingskosten”, 1524.2 (deed in Dutch)
  • Other provision, “toelatingen of vergunningen voor voorwerp, voorafgaande toelatingen,vergunningen of voorwaarden inzake toegang tot beroep” (deed in Dutch)
Gazette deedNBB filing
2 of 2 deeds read

Register details

Identification
Legal formPrivate limited company
Founded12-07-2024
Financial year end31-12
Activities, NACEBEL 2025
43331Floor and wall tiling
E-invoicing
Reachable via Peppol
Peppol ID 0208:1011531044
Also 9925:BE1011531044
Registered 09-12-2025

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

Register as of 27 October 2026 · Peppol Directory

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

Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice, with enterprise number 1011.531.044

Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.

Sites & property

Location & real-estate footprint
Registered office, Laakdal · 1 establishment unit since 2024
registered office establishment The establishment unit on the map
Ground area
4,317 m²
Building footprint
1,707 m²
Building volume
11,857 m³
Parcel 13045C0468/00H000, Flanders · tallest building 8.4 m. Linked by address, not a title deed.
5 companies at this address See who is registered here
1 establishment unit
ATRIO WALLS CLADDING
Nikelaan 25, 2430 LaakdalFloor and wall tiling
since 2024unit no. 2.363.194.073
1 parcel
Flanders 1 (100%)
Cadastral parcel Region Area Buildings Height / floors
13045C0468/00H000 Flanders 4,317 m² 1 · 1,707 m² 8.4 m · 2
How the parcels are linked
Good to know
The parcel matches the address exactly.

Articles of association

What the company does

PurposeThe activities the company may carry out under its articles.
“Opzetten en begeleiden van samenwerkingsovereenkomsten,licenties,franchisecontracten en ander; Begeleiden van bouwadministratie; Advies in…” (deed in Dutch)
17 activities (deed in Dutch)
  1. Opzetten en begeleiden van samenwerkingsovereenkomsten,licenties,franchisecontracten en ander;
  2. Begeleiden van bouwadministratie;
  3. Advies in technische zaken;
  4. Projectontwikkeling onroerende goederen;
  5. Bouwen en verbouwen van woningen;
  6. Projectbegeleiding onroerende goederen;
  7. Holding;
  8. Aan en verkoop van onroerende goederen;
  9. Renovatie van woningen;
  10. Afwerken van woningen:vloederswerken,elektriciteit,gyproc,sanitair,gevelbekleding;
  11. Management m.b.t.administratie,interne boekhouding,personeelsbeleid,aan-en verkoopbeleid,financieel beleid,informatica hard en software,onderhoud,herstelling en revisie,interpretatie van boekhoudkundige gegevens,algemene consultancy;
  12. Verkopen op basis van commissie,tussenpersoon in de handel,als gerante,of zelfstandig vertegenwoordiger.
  13. Opzetten en begeleiden van samenwerkingsovereenkomsten,licenties,franchisecontracten en andere;
  14. Opzetten en begeleiden van productprotectie,merknamen;
  15. Opzetten en begeleiden van een distributienetwerk groothandel/kleinhandel;
  16. Aanbieden van serviceopdrachten in functie van optimalisatie,administratie,rendement;
  17. Holding.

The full purpose is in the deed

DurationHow long the company exists; usually unlimited, so until it is dissolved.
Unlimited
Name clauseThe name the company operates under according to its articles.
ATRIO WALLS CLADDING
Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
“Vlaams Gewest” (deed in Dutch)

deed of 16-07-2024

Who represents it, and how

Board ruleHow the board is made up, meets and takes decisions.
“Bestuurder(s), met of zonder beperking van duur” (deed in Dutch)
1 more provision on this in the deed

deed of 16-07-2024

Meetings and financial year

Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
Third Friday of June at 15:00

deed of 16-07-2024

Oversight and winding up

Statutory auditorA statutory auditor is a registered auditor who checks the accounts; small companies need not have one. According to the deed, the legal criteria do not require one here.
No statutory auditor
Dissolution ruleWhen and by whom the company can be dissolved.
“Vormen vereist voor statutenwijziging, op elk moment” (deed in Dutch)
Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
“Ontbinding om welke reden en op welk ogenblik ook, een of meerdere vereffenaars aanduiden,bevoegdheden omlijnen en vergoeding bepalen” (deed in Dutch)

deed of 16-07-2024

Other provisionsOther rules from the articles that fall under none of the themes above.

Other provision: “Naam en handtekening, akten van het type "Mededelingen'” (deed in Dutch)
deed of 23-09-2024
1 more provision in the deed, see the deed of 16-07-2024