PRO ATF CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of PRO ATF CONSTRUCT is 1.9% (moderate). The 2025 annual accounts show equity of €226k and a net result of €160k. Equity is growing by ~125.8% per year across the filed fiscal years. Its solvency ranks better than 66% of 7453 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+44
Solvency84▲+28
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 4.98 against 2.86 in 2024; short-term debt: 20% and cash: 32.3% of total assets), and 41.4% 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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
58.6%
Return on assets
41.4%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 05-02-2026, 5 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
5 d late
2024
on the day
2023
on the day
← before the deadline
after the deadline →
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 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€226k▲ 241%
2024 · €66k
2023: €59k
2024: €66k
2023 → 2025
Total assets
€386k▲ 81.5%
2024 · €213k
2023: €165k
2024: €213k
2023 → 2025
Net result
€160k▲ 2,238%
2024 · €7k
2023: €49k
2024: €7k
2023 → 2025
Working capital
€307k▲ 126%
2024 · €136k
2023: €54k
2024: €136k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€59k-€66k▲ 11.5%€226k▲ 241%
Operating result€73k-€90k▲ 22.1%€306k▲ 241%
Net result€49k-€7k▼ 86.2%€160k▲ 2,238%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 241% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €386k
Fixed assets
€2k ▼ 53.6%
Current assets
€385k ▲ 84.0%
Equity and liabilities €386k
Equity
€226k ▲ 241%
Debt
€160k ▲ 9.2%
Debt's share of the balance-sheet total falls from 68.8% to 41.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€308k▲
2024 · €95k
Cash flow
€163k▲
2024 · €13k
Current ratio
4.98▲
2024 · 2.86
Debt to equity
0.71▼
2024 · 2.21
ROE
70.7%▲
2024 · 10.3%
ROA
41.4%▲
2024 · 3.2%
Interest coverage
3.23▲
2024 · 1.25
Debt ≤ 1 year
€77k▲
2024 · €73k
Debt > 1 year
€83k▲
2024 · €73k
Income taxes
€50k▲
2024 · €6k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€213k€386k▲
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€3k€996▼
Plant, machinery and equipment23€591€151▼
Furniture and vehicles24€2k€845▼
Financial fixed assets28€750€750=
Current assets29/58€209k€385k▲
Amounts receivable within one year40/41€201k€254k▲
Trade receivables40€199k€192k▼
Other amounts receivable41€2k€62k▲
Cash at bank and in hand54/58€8€125k▲
Deferred charges and accrued income490/1€8k€6k▼
Equity and liabilities
Total equity and liabilities10/49€213k€386k▲
Equity10/15€66k€226k▲
Contributions10/11€10k€10k=
Capital10€10k-
Issued capital100€10k-
Outside capital11-€10k
Other1109/19-€10k
Profit (loss) carried forward14€56k€216k▲
Amounts payable17/49€146k€160k▲
Amounts payable after more than one year17€73k€83k▲
Financial debts170/4€73k€83k▲
Amounts payable within one year42/48€73k€77k▲
Trade debts44€20k€0▼
Suppliers440/4€20k€0▼
Taxes, remuneration and social security45€8k€51k▲
Taxes450/3€8k€51k▲
Other amounts payable47/48€45k€26k▼
Accrued charges and deferred income492/3-€0
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€3k▼
Other operating charges640/8€11k€5k▼
Gross operating margin9900€106k€313k▲
Operating profit (loss)9901€90k€306k▲
Financial income75/76B€135€251▲
Recurring financial income75€135€251▲
Financial charges65/66B€76k€95k▲
Recurring financial charges65€76k€95k▲
Profit (loss) for the period before taxes9903€13k€210k▲
Income taxes67/77€6k€50k▲
Profit (loss) for the period9904€7k€160k▲
Profit (loss) for the period to be appropriated9905€7k€160k▲
Appropriation of the result
Profit (loss) to be appropriated9906€56k€216k▲
Profit (loss) brought forward from the previous period14P€49k€56k▲
The notes to these accounts (6 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
05-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 5 days late
2025
30-06
Financial
Highest result since 2023net €160k ▲2238%
Operating result €306k, net result €160k, both a record.
30-06
Financial
Equity above €200kEq €226k ▲241%
3 profitable years in a row build equity to €226k.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €7k ▼86.2%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Asse · 1 establishment unit since 2022
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.
Z. 3 Doornveld 1501731 AsseGround area
1,728 m²
Building footprint
1,536 m²
Volume, LiDAR
10,239 m³
2 parcels, Flanders · tallest building 13.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
PRO ATF CONSTRUCT
since 20222.333.253.836
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23095B0028/00F002 | Flanders | 1,283 m² | 1 · 1,283 m² | 9.5 m · 2 fl. |
| 22662B0404/00V003 | Flanders | 446 m² | 1 · 253 m² | 13.1 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
984500079BBD63BQ8D24
Similar companies · same sector, comparable size
CASATECH
BE 0466.856.545
Charleroi · Eq €226,335
IMMO HUYS
BE 0438.693.980
Kruisem · Eq €226,330
BJ Construction
BE 0763.957.548
Saint-Hubert · Eq €226,451
BOSCO
BE 0732.709.294
Couvin · Eq €226,245
TILBO-CONSTRUCT
BE 0474.372.164
Beringen · Eq €226,226
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 11,781 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
Founded12-07-2022
Fiscal year end30-06
Activities, NACEBEL 2025
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.