FATOM
ActiveSummary
FATOM has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €129,342 and a net result of €21,403. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 23% of 28254 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability64▼-22
Solvency47▼-4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity ample (current ratio 1.57 against 7.65 in 2024; short-term debt: 59.2% and cash: 4.3% of total assets), but 78.4% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
21.6%
Return on assets
3.6%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 28254 sector peers (2025).
NBB · sector comparisonPosition among 28254 sector peers
Solvency
better than 23%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €129,342
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
3 d early
2023
58 d early
2022
6 d early
2021
40 d early
2020
20 d early
2019
on the day
← 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 18 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close28-09-2026 today31-01-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€129,342▲ 19.8%
2024 · €107,939
Total assets
€599,137▲ 44.1%
2024 · €415,842
Net result
€21,403▼ 62.4%
2024 · €56,982
Working capital
€201,289▼ 36.7%
2024 · €317,753
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, 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€7,092€6,479▼ 8.6%€45,621▲ 604%€78,464▲ 72.0%€37,603▼ 52.1%
Net result€10,605within the sector's middle half€274below the sector's middle half▼ 97.4%€29,682above the sector's middle half▲ 10,739%€56,982above the sector's middle half▲ 92.0%€21,403within the sector's middle half▼ 62.4%
Equity€36,001within the sector's middle half▲ 16.5%€36,275within the sector's middle half▲ 0.8%€65,957within the sector's middle half▲ 81.8%€107,939within the sector's middle half▲ 63.7%€129,342within the sector's middle half▲ 19.8%
Total assets€153,429within the sector's middle half▲ 9.8%€116,145within the sector's middle half▼ 24.3%€128,070within the sector's middle half▲ 10.3%€415,842above the sector's middle half▲ 225%€599,137above the sector's middle half▲ 44.1%
Debt€117,428▲ 7.8%€79,870▼ 32.0%€62,114▼ 22.2%€307,903▲ 396%€469,795▲ 52.6%
Working capital€6,362within the sector's middle half▼ 78.8%-€7,143below the sector's middle half€19,618within the sector's middle half€317,753above the sector's middle half▲ 1,520%€201,289above the sector's middle half▼ 36.7%
Solvency23.5%within the sector's middle half▲ 1.4pp31.2%within the sector's middle half▲ 7.8pp51.5%within the sector's middle half▲ 20.3pp26.0%within the sector's middle half▼ 25.5pp21.6%below the sector's middle half▼ 4.4pp
Current ratio1.08below the sector's middle half▼ 0.390.87below the sector's middle half▼ 0.221.42within the sector's middle half▲ 0.557.65above the sector's middle half▲ 6.241.57within the sector's middle half▼ 6.09
Return on assets (ROA)6.9%within the sector's middle half▲ 12.9pp0.2%below the sector's middle half▼ 6.7pp23.2%above the sector's middle half▲ 22.9pp13.7%within the sector's middle half▼ 9.5pp3.6%within the sector's middle half▼ 10.1pp
Staff (FTE)1.8=1.8=1.8=0.3▼ 83.3%
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 52% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €599,137
Fixed assets
€43,053 ▼ 14.5%
Current assets
€556,084 ▲ 52.1%
Equity and liabilities €599,137
Equity
€129,342 ▲ 19.8%
Debt
€469,795 ▲ 52.6%
Debt's share of the balance-sheet total rises from 74.0% to 78.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€47,336▼
2024 · €93,371
Cash flow
€31,136▼
2024 · €71,889
Quick ratio
0.41▼
2024 · 1.80
Debt to equity
3.63▲
2024 · 2.85
ROE
16.5%▼
2024 · 52.8%
Interest coverage
4.90▼
2024 · 31.31
Debt ≤ 1 year
€354,795▲
2024 · €47,748
Debt > 1 year
€115,000▼
2024 · €259,605
Income taxes
€7,968▼
2024 · €18,604
Staff costs
€0▼
2024 · €26,082
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 4,678 companies that looked in July 2024 the way this one looks now, 0.9% went bankrupt within 24 months and 97% are still going.
- Small
- 20 years or older
- solvency 10 to 30%
- a profit under 5% of the balance sheet
0.9%
went bankrupt
1.9%
stopped otherwise
97%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.9% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| 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 4,678 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €0 | €23,626 | €0 | €18,621 | - |
| Remuneration, social security and pensions62 | - | €99,415 | €105,888 | €26,082 | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,225 | €12,239 | €14,608 | €14,907 | €9,733 | ▼ 34.7% |
| Other operating charges640/8 | - | €2,815 | €2,972 | €3,086 | €2,757 | ▼ 10.7% |
| Non-recurring operating charges66A | - | €0 | - | - | €16,172 | - |
| Gross operating margin9900 | €88,893 | €120,949 | €169,088 | €122,539 | €66,264 | ▼ 45.9% |
| Operating profit (loss)9901 | €7,092 | €6,479 | €45,621 | €78,464 | €37,603 | ▼ 52.1% |
| Financial income75/76B | - | €479 | €118 | €104 | €1,422 | ▲ 1,261% |
| Recurring financial income75 | €159 | €479 | €118 | €104 | €1,422 | ▲ 1,261% |
| Financial charges65/66B | - | €1,219 | €900 | €2,982 | €9,653 | ▲ 224% |
| Recurring financial charges65 | €1,394 | €1,219 | €900 | €2,982 | €9,653 | ▲ 224% |
| Profit (loss) for the period before taxes9903 | €13,081 | €5,739 | €44,840 | €75,586 | €29,371 | ▼ 61.1% |
| Income taxes67/77 | €2,475 | €5,465 | €15,158 | €18,604 | €7,968 | ▼ 57.2% |
| Profit (loss) for the period9904 | €10,605 | €274 | €29,682 | €56,982 | €21,403 | ▼ 62.4% |
| Profit (loss) for the period to be appropriated9905 | €10,605 | €274 | €29,682 | €56,982 | €21,403 | ▼ 62.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €153,429 | €116,145 | €128,070 | €415,842 | €599,137 | ▲ 44.1% |
| Fixed assets21/28 | €71,775 | €68,696 | €61,532 | €50,341 | €43,053 | ▼ 14.5% |
| Tangible fixed assets22/27 | €71,775 | €68,696 | €61,532 | €50,341 | €43,053 | ▼ 14.5% |
| Plant, machinery and equipment23 | - | €6,774 | €4,686 | €6,395 | €6,455 | ▲ 0.9% |
| Furniture and vehicles24 | - | €23,852 | €18,639 | €10,688 | €8,290 | ▼ 22.4% |
| Leasing and similar rights25 | - | - | €3,528 | €1,969 | €410 | ▼ 79.2% |
| Other tangible fixed assets26 | - | €38,070 | €34,680 | €31,289 | €27,898 | ▼ 10.8% |
| Financial fixed assets28 | €0 | - | - | - | - | - |
| Current assets29/58 | €81,654 | €47,450 | €66,538 | €365,501 | €556,084 | ▲ 52.1% |
| Stocks and contracts in progress3 | €6,126 | €8,051 | €5,566 | €279,618 | €410,401 | ▲ 46.8% |
| Stocks30/36 | - | €8,051 | €5,566 | €279,618 | €410,401 | ▲ 46.8% |
| Amounts receivable within one year40/41 | €54,684 | €24,844 | €27,838 | €52,881 | €89,274 | ▲ 68.8% |
| Trade receivables40 | - | €20,609 | €19,770 | €38,255 | €71,033 | ▲ 85.7% |
| Other amounts receivable41 | - | €4,235 | €8,068 | €14,626 | €18,241 | ▲ 24.7% |
| Cash at bank and in hand54/58 | €16,502 | €1,987 | €6,668 | €12,378 | €25,909 | ▲ 109% |
| Deferred charges and accrued income490/1 | - | €12,567 | €26,465 | €20,624 | €30,501 | ▲ 47.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €153,429 | €116,145 | €128,070 | €415,842 | €599,137 | ▲ 44.1% |
| Equity10/15 | €36,001 | €36,275 | €65,957 | €107,939 | €129,342 | ▲ 19.8% |
| Contributions10/11 | - | €60,000 | €60,000 | €60,000 | €60,000 | = |
| Reserves13 | €2,000 | €2,000 | €5,957 | €47,939 | €69,342 | ▲ 44.6% |
| Non-distributable reserves130/1 | - | €2,000 | €2,000 | €0 | - | - |
| Reserves not available under the articles1311 | - | €2,000 | €2,000 | €0 | - | - |
| Distributable reserves133 | - | - | €3,957 | €47,939 | €69,342 | ▲ 44.6% |
| Profit (loss) carried forward14 | -€25,999 | -€25,725 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €117,428 | €79,870 | €62,114 | €307,903 | €469,795 | ▲ 52.6% |
| Amounts payable after more than one year17 | €42,136 | €24,931 | €9,669 | €259,605 | €115,000 | ▼ 55.7% |
| Financial debts170/4 | - | €24,931 | €9,669 | €259,605 | €115,000 | ▼ 55.7% |
| Amounts payable within one year42/48 | €75,292 | €54,592 | €46,920 | €47,748 | €354,795 | ▲ 643% |
| Current portion of amounts payable after more than one year42 | - | €17,125 | €18,707 | €9,414 | €605 | ▼ 93.6% |
| Financial debts43 | - | - | - | - | €272,000 | - |
| Credit institutions430/8 | - | - | - | - | €272,000 | - |
| Trade debts44 | €27,850 | €8,254 | €3,019 | €8,990 | €70,279 | ▲ 682% |
| Suppliers440/4 | - | €8,254 | €3,019 | €8,990 | €70,279 | ▲ 682% |
| Taxes, remuneration and social security45 | - | €29,046 | €25,194 | €14,345 | €11,911 | ▼ 17.0% |
| Taxes450/3 | - | €10,915 | €14,591 | €14,345 | €11,911 | ▼ 17.0% |
| Remuneration and social security454/9 | - | €18,132 | €10,602 | €0 | - | - |
| Other amounts payable47/48 | - | €167 | €0 | €15,000 | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | - | €348 | €5,525 | €550 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €10,605 | €274 | €29,682 | €56,982 | €21,403 | ▼ 62.4% |
| + Depreciation and write-downs630 | €6,225 | €12,239 | €14,608 | €14,907 | €9,733 | ▼ 34.7% |
| Operating cash flow (approximation) | €16,830 | €12,513 | €44,290 | €71,889 | €31,136 | ▼ 56.7% |
| Investment in fixed assets (approximation) | - | -€9,159 | -€7,445 | -€3,715 | -€2,445 | ▲ 34.2% |
| Change in cash | - | -€14,514 | €4,680 | €5,710 | €13,531 | ▲ 137% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2019net €56,982 ▲92%
Operating result €78,464, net result €56,982, both a record.
30-06
Financial
Liquidity times 5current ratio 7.65
Current ratio from 1.42 to 7.65.
30-06
Financial
Equity above €100,000Eq €107,939 ▲63.7%
4 profitable years in a row build equity to €107,939.
2023
04-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
25-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
22-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Back to profitnet €10,605
Net result €10,605 after one loss-making year.
11-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Weakest financial yearnet -€8,309
Net result drops to -€8,309, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity doublescurrent ratio 1.47
Current ratio from 0.68 to 1.47; short-term debt falls from €64,335 to €63,750.
Show earlier events
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
19-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
25-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
16-01
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.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
4 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, Beveren-Kruibeke-Zwijndrecht · 2 establishment units since 2000
Ground area
950 m²
Building footprint
356 m²
Volume, LiDAR
2,247 m³
2 parcels, Flanders · tallest building 12.1 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Prestilico
since 20002.100.764.038
Prestilico
since 20142.242.802.524
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46009C0342/00M000 | Flanders | 685 m² | 1 · 246 m² | 11.5 m · 2 fl. |
| 44806F0330/00H003 | Flanders | 264 m² | 1 · 110 m² | 12.1 m · 2 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, comparable size
TIBATO
BE 0447.543.647
Westerlo · Eq €129,359
VULCANOO
BE 0658.879.329
As · Eq €129,307
Grymonprez Projects
BE 0778.234.364
Harelbeke · Eq €129,446
CORNELISSEN INTERIEUR
BE 0790.628.588
Diepenbeek · Eq €129,235
ROMAIN
BE 0779.944.732
Waregem · Eq €129,531
Of 20,025 companies in sector 43320 we hold annual accounts for 9,138. 7,692 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded22-10-1999
Fiscal year end30-06
Activities, NACEBEL 2025
43320Joinery installation
68110Buying and selling of own real estate
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0467124086
Also
9925:BE0467124086
Registered
11-11-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.