ATELIER MATIERE
ActiveSummary
The computed 12-month bankruptcy probability of ATELIER MATIERE is 1.5% (moderate). The 2025 annual accounts show equity of €457k and a net result of €137k. Equity is growing by ~26.2% per year across the filed fiscal years. Its solvency ranks better than 50% of 10359 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+12
Solvency62▲+8
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.67 against 1.58 in 2024; short-term debt: 9.6% and cash: 9.3% of total assets), but 63.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 47
Relative position
BE, all sectors
reference
Sector 47
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
36.8%
Return on assets
11%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 6 filingsDeviation from the deadline
2025
31 d late
2024
8 d early
2023
22 d late
2022
11 d early
2021
6 d early
2020
5 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€137k▲ 452%
2024 · €25k
2020: €56k
2021: €87k
2022: €9k
2023: €125k
2024: €25k
2020 → 2025
Working capital
€199k▲ 59.8%
2024 · €124k
2020: €42k
2021: €34k
2022: €-62k
2023: €43k
2024: €124k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€189k-€202k▲ 7.0%€327k▲ 62.1%€389k▲ 18.8%€457k▲ 17.6%
Operating result€117k-€25k▼ 78.1%€188k▲ 638%€45k▼ 75.9%€191k▲ 321%
Net result€87k-€9k▼ 89.6%€125k▲ 1,278%€25k▼ 80.3%€137k▲ 452%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 321% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.24M
Fixed assets
€924k ▼ 5.4%
Current assets
€318k ▼ 5.7%
Equity and liabilities €1.24M
Equity
€457k ▲ 17.6%
Debt
€784k ▼ 17.8%
Debt's share of the balance-sheet total falls from 71.1% to 63.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€297k▲
2024 · €157k
Cash flow
€243k▲
2024 · €137k
Current ratio
2.67▲
2024 · 1.58
Quick ratio
1.96▲
2024 · 1.29
Debt to equity
1.72▼
2024 · 2.46
ROE
29.9%▲
2024 · 6.4%
ROA
11.0%▲
2024 · 1.8%
Interest coverage
13.35▲
2024 · 6.82
Debt ≤ 1 year
€119k▼
2024 · €213k
Debt > 1 year
€665k▼
2024 · €742k
Income taxes
€41k▲
2024 · €7k
Staff costs
€193k▼
2024 · €207k
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 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.34M€1.24M▼
Formation expenses20€30k€0▼
Fixed assets21/28€977k€924k▼
Intangible fixed assets21€4k€5k▲
Tangible fixed assets22/27€962k€918k▼
Land and buildings22€26k€70k▲
Plant, machinery and equipment23€22k€18k▼
Furniture and vehicles24€61k€60k▼
Leasing and similar rights25€829k€770k▼
Other tangible fixed assets26€24k€0▼
Financial fixed assets28€10k€441▼
Current assets29/58€337k€318k▼
Stocks and contracts in progress3€62k€84k▲
Stocks30/36€62k€84k▲
Amounts receivable within one year40/41€104k€76k▼
Trade receivables40€88k€31k▼
Other amounts receivable41€16k€44k▲
Cash at bank and in hand54/58€170k€115k▼
Deferred charges and accrued income490/1€1k€43k▲
Equity and liabilities
Total equity and liabilities10/49€1.34M€1.24M▼
Equity10/15€389k€457k▲
Contributions10/11€50k€50k=
Profit (loss) carried forward14€252k€328k▲
Investment grants15€87k€79k▼
Amounts payable17/49€954k€784k▼
Amounts payable after more than one year17€742k€665k▼
Financial debts170/4€742k€665k▼
Amounts payable within one year42/48€213k€119k▼
Current portion of amounts payable after more than one year42€84k€77k▼
Trade debts44€72k€11k▼
Suppliers440/4€72k€11k▼
Taxes, remuneration and social security45€27k€31k▲
Taxes450/3€27k€31k▲
Other amounts payable47/48€29k€0▼
Accrued charges and deferred income492/3-€95
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€1.18M-
Remuneration, social security and pensions62€207k€193k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€112k€106k▼
Other operating charges640/8€4k€2k▼
Non-recurring operating charges66A€478€0▼
Gross operating margin9900€369k€493k▲
Operating profit (loss)9901€45k€191k▲
Financial income75/76B€9k€9k▼
Recurring financial income75€9k€9k▼
Financial charges65/66B€23k€22k▼
Recurring financial charges65€23k€22k▼
Profit (loss) for the period before taxes9903€31k€177k▲
Income taxes67/77€7k€41k▲
Profit (loss) for the period9904€25k€137k▲
Profit (loss) for the period to be appropriated9905€25k€137k▲
Appropriation of the result
Profit (loss) to be appropriated9906€302k€389k▲
Profit (loss) brought forward from the previous period14P€277k€252k▼
Profit to be distributed694/7€50k€60k▲
Return on contributions (dividend)694€50k€60k▲
Social balance
Average headcount (FTE)90873.03.1▲
The notes to these accounts (26 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Highest result since 2020net €137k ▲452%
Operating result €191k, net result €137k, both a record.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 22 days late
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet €9k ▼89.6%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €200kEq €202k ▲7%
3 profitable years in a row build equity to €202k.
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Equity above €150kEq €189k ▲78.5%
2 profitable years in a row build equity to €189k.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Marche-en-Famenne · 1 establishment unit since 2020
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.
Marche,Rue des Deux Provinces 116900 Marche-en-Famenne1 establishment unit
ATELIER MATIERE
since 20202.299.867.030
Similar companies · same sector, comparable size
ETABLISSEMENTS DEBRY
BE 0434.811.012
Sombreffe · Eq €458,244
BS&MAT
BE 0716.772.590
Etterbeek · Eq €458,801
FLEURUBRI
BE 0812.039.062
Fleurus · Eq €459,572
NOKTA BOUWMATERIALEN
BE 0880.556.991
Antwerpen · Eq €459,935
BRICO DISCOUNT PRO
BE 0833.131.119
Ottignies-Louvain-la-Neuve · Eq €454,293
Of 1,719 companies in sector 47521 we hold annual accounts for 1,288. 1,019 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
Founded21-02-2020
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
47521Retail sale of hardware, building materials, paint and glass (general range)
46831Wholesale of construction materials, general range
47526Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filings
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:ateliermatiere.be
E-mail:ateliermatiere@gmail.com