Active BE 1007.279.771Private limited company

ATF Construct

Rue Bourie 3 ·5300 Andenne, Belgium· 2 yrs active

Sector: NACE 28250 (28250)

Conclusion Checked

The computed 12-month bankruptcy probability of ATF Construct is 1.3% (low). The 2025 annual accounts show equity of €600k and a net result of €816k. Its solvency ranks better than 46% of 65 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Key figures

Equity	€600k
Net result	€816k
Staff (FTE)	11.9
Better than sector	46%

Snowflake analysis 4 of 5 axes measured · computed by Checked

82 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 86

Profitability 100

Solvency 74

Growth -

Stability 67

Bankruptcy probability (12 mo) Checked model v1 · free

1.3% Low

0%0,5%1,5%4%10%≥25%

Young company +Annual accounts: healthy financial profile −Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Young company

Founded in 2024, under 3 years, statistically higher risk.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags 0 events

No administrative flags

Health barometer FY 2025 · computed

86 / 100 Excellent

050100

Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview1 NBB filings

Annual accounts filed on 21-01-2026 with the NBB · fiscal year 2025 · volledig

Sector comparison

Fiscal year 2025 · NACE 28 · compared across all schema types (micro, abbreviated and full combined)

Metric	This company	Sector median	Position in the sector
Solvency	41.1%	43.4%	better than 46% of 65 sector peers
Net result	€816k	€16k	better than 95% of 65 sector peers
Equity	€600k	€128k	better than 81% of 65 sector peers
Gross operating margin	€1.98M	€63k	better than 95% of 62 sector peers
Staff costs	€938k	€224k	higher than 81% of 31 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	volledig
Revenue	-
EBITDA	€1.04M
Net profit	€816k
Cash flow	€864k
Staff costs	€938k
Income taxes	€157k
Dividends	-
Total assets	€1.46M
Equity	€600k
Debt	€860k
of which ≤ 1y	€856k
of which > 1y	-
Working capital	€450k
Employees (FTE)	11.9

Ratios (computed)

	2025
Current ratio	1.53
Quick ratio	1.35
Working capital ratio	30.8%
Solvency	41.1%
Debt / equity	1.43
Long-term debt ratio	-
Interest coverage	40.10
Gross margin	-
Net margin	-
ROA	55.9%
ROE	136.0%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €153k · 10.5% Current assets €1.31M · 89.5%

Equity & liabilities

Equity €600k · 41.1% Debt €860k · 58.9%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€1.46M
Fixed assets	21/28	€153k
Tangible fixed assets	22/27	€153k
Financial fixed assets	28	€680
Current assets	29/58	€1.31M
Stocks & contracts in progress	3	€151k
Amounts receivable within one year	40/41	€934k
Cash & bank	54/58	€198k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€1.46M
Equity	10/15	€600k
Contributions / capital	10/11	€50k
Accumulated profits (losses)	14	€550k
Amounts payable	17/49	€860k
Amounts payable within one year	42/48	€856k
Trade debts payable within one year	44	€70k
Income statement
Gross operating margin	9900	€1.98M
Operating result	9901	€990k
Financial income	75	€9k
Financial charges	65	€26k
Result before taxes	9903	€974k
Income taxes	67/77	€157k
Net result for the period	9904	€816k
Result to be appropriated	9905	€816k

Ratios computed by Checked.

Directors & mandates 4 directors

Current directors & mandates

Antony GOKALegal entity
Director· perm. rep.: Antony GOKA
State Gazette act 26018278 (05-02-2026)

Current
03-05-2025 → present
Véronique TIMMERMANNLegal entity
Director· perm. rep.: Véronique TIMMERMANN
State Gazette act 26018278 (05-02-2026)

Current
03-05-2025 → present

Former directors (2)

Scomm Antony GOKA
Director
State Gazette act 26018278 (05-02-2026)

Former
- → 03-05-2025
Scomm Véronique TIMMERMANN
Director
State Gazette act 26018278 (05-02-2026)

Former
- → 03-05-2025

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.

Legal Structure

NACE primary	28250
Legal form	Private limited company(610)
Incorporation	19-03-2024
Status	Active
Postal code	5300

Connections & network 2 connected companies

Group structure

Antony GOKA

Parent · 1 subsidiary · 1 location

Control→

Véronique TIMMERMANN

Parent · 1 subsidiary · 1 location

Control→

Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.

Establishment units 1 location

ATF Construct

Rue Bourie 3, 5300 AndenneVervaardiging van machines en apparaten voor klimaatregeling, voor niet-huishoudelijk gebruik

since 20242.357.300.730

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
92411E0014/00N000	Wallonia	3,844 m²	1 · 1,186 m²	-

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 3 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026

05-02-2026

State Gazette act Director changes

v3.2

21-01-2026

NBB filing Annual accounts filed

fiscal year 2025 · volledig

2024

21-03-2024

State Gazette act Incorporation

oprichting

Belgisch Staatsblad, acts 2 acts

All acts · 2 updated 6 months ago

2026

05-02-2026 2 directors appointed, 2 resigning Director changes

Véronique TIMMERMANN, Bestuurder
Antony GOKA, Bestuurder
Scomm Véronique TIMMERMANN, Bestuurder
Scomm Antony GOKA, Bestuurder

Summary: v3.2

Original publication ↗

Technical details

{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Scomm V\u00E9ronique TIMMERMANN",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2025-05-03",
      "evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale prend acte de la d\u00E9mission des administrateurs suivants: -Madame V\u00E9ronique TIMMERMANN ... La d\u00E9mission des administrateurs prend effet au 3 mai 2025. L\u0027assembl\u00E9e g\u00E9n\u00E9rale leur donne d\u00E9charge pour l\u0027exercice de leur mandat jusqu\u0027\u00E0 ce jour. D\u00E9charge d\u00E9finitive leur sera donn\u00E9e lor",
      "discharge_granted": false
    },
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Scomm Antony GOKA",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2025-05-03",
      "evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale prend acte de la d\u00E9mission des administrateurs suivants: -Monsieur Antony GOKA ... La d\u00E9mission des administrateurs prend effet au 3 mai 2025. L\u0027assembl\u00E9e g\u00E9n\u00E9rale leur donne d\u00E9charge pour l\u0027exercice de leur mandat jusqu\u0027\u00E0 ce jour. D\u00E9charge d\u00E9finitive leur sera donn\u00E9e lors de l\u0027",
      "discharge_granted": false
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "V\u00E9ronique TIMMERMANN",
        "address": null,
        "birth_date": null
      },
      "via_org": {
        "kbo": "1016220993",
        "name": "Scomm V\u00E9ronique TIMMERMANN",
        "address": null,
        "country": null,
        "legal_form": null
      },
      "effective_date": "2025-05-03",
      "evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale acte la nomination des administrateurs suivants: -La Scomm V\u00E9ronique TIMMERMANN (BCE 1016.220.993), repr\u00E9sent\u00E9e par V\u00E9ronique TIMMERMANN ... Leur nomination prend effet \u00E0 dater du 03/05/2025 pour une dur\u00E9e ind\u00E9termin\u00E9e."
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Antony GOKA",
        "address": null,
        "birth_date": null
      },
      "via_org": {
        "kbo": "1016104989",
        "name": "Scomm Antony GOKA",
        "address": null,
        "country": null,
        "legal_form": null
      },
      "effective_date": "2025-05-03",
      "evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale acte la nomination des administrateurs suivants: -La Scomm Antony GOKA (BCE 1016.104.989), repr\u00E9sent\u00E9e par Antony GOKA ... Leur nomination prend effet \u00E0 dater du 03/05/2025 pour une dur\u00E9e ind\u00E9termin\u00E9e."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "1007.279.771",
    "name_full": "ATF CONSTRUCT",
    "legal_form": "SRL"
  }
}

2024

21-03-2024 Incorporation of a new SRL Incorporation

Summary: oprichting

Original publication ↗

Technical details

{
  "kind": "oprichting",
  "seat": "5300 Seilles, Rue Bourie 3",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1960-11-17",
        "name": "EVRARD \u00C9ric C\u00E9leste Pierre Victor",
        "niss": null,
        "address": "5300 Andenne, rue du Bois d\u2019Evoz 380"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 10000,
      "holder_person_name": "EVRARD \u00C9ric C\u00E9leste Pierre Victor",
      "is_subscriber_only": true,
      "n_shares_subscribed": 1000,
      "amount_subscribed_eur": 10000,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1982-03-23",
        "name": "TIMMERMANN V\u00E9ronique Ghislaine Jos\u00E9e L\u00E9onie",
        "niss": null,
        "address": "4840 Welkenraedt, rue des R\u00E9fractaires 17"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 10000,
      "holder_person_name": "TIMMERMANN V\u00E9ronique Ghislaine Jos\u00E9e L\u00E9onie",
      "is_subscriber_only": true,
      "n_shares_subscribed": 1000,
      "amount_subscribed_eur": 10000,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1984-01-04",
        "name": "TIMMERMANN Beno\u00EEt Didier Joseph Ghislain",
        "niss": null,
        "address": "4831 Limbourg (Bilstain), Au Pairon 45"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 10000,
      "holder_person_name": "TIMMERMANN Beno\u00EEt Didier Joseph Ghislain",
      "is_subscriber_only": true,
      "n_shares_subscribed": 1000,
      "amount_subscribed_eur": 10000,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1986-02-26",
        "name": "TIMMERMANN St\u00E9phane Alexandre Gis\u00E8le Ghislain",
        "niss": null,
        "address": "4890 Thimister-Clermont, Cour Bibaux 9"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 10000,
      "holder_person_name": "TIMMERMANN St\u00E9phane Alexandre Gis\u00E8le Ghislain",
      "is_subscriber_only": true,
      "n_shares_subscribed": 1000,
      "amount_subscribed_eur": 10000,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1998-05-23",
        "name": "GOKA Antony Roy",
        "niss": null,
        "address": "4042 Herstal (Liers), rue des Tch\u00E8rwe\u00FBs 23"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 10000,
      "holder_person_name": "GOKA Antony Roy",
      "is_subscriber_only": true,
      "n_shares_subscribed": 1000,
      "amount_subscribed_eur": 10000,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": null,
        "name": "Eric EVRARD",
        "niss": null,
        "address": "5300 Andenne, rue du Bois d\u2019Evoz 380"
      },
      "share_class": null,
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 0,
      "holder_person_name": "Eric EVRARD",
      "is_subscriber_only": false,
      "n_shares_subscribed": 0,
      "amount_subscribed_eur": 0,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": null,
        "name": "V\u00E9ronique TIMMERMANN",
        "niss": null,
        "address": "4840 Welkenraedt, rue des R\u00E9fractaires 17"
      },
      "share_class": null,
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 0,
      "holder_person_name": "V\u00E9ronique TIMMERMANN",
      "is_subscriber_only": false,
      "n_shares_subscribed": 0,
      "amount_subscribed_eur": 0,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": null,
        "name": "Beno\u00EEt TIMMERMANN",
        "niss": null,
        "address": "4831 Limbourg (Bilstain), Au Pairon 45"
      },
      "share_class": null,
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 0,
      "holder_person_name": "Beno\u00EEt TIMMERMANN",
      "is_subscriber_only": false,
      "n_shares_subscribed": 0,
      "amount_subscribed_eur": 0,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": null,
        "name": "St\u00E9phane TIMMERMANN",
        "niss": null,
        "address": "4890 Thimister-Clermont, Cour Bibaux 9"
      },
      "share_class": null,
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 0,
      "holder_person_name": "St\u00E9phane TIMMERMANN",
      "is_subscriber_only": false,
      "n_shares_subscribed": 0,
      "amount_subscribed_eur": 0,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": null,
        "name": "Antony Roy GOKA",
        "niss": null,
        "address": "4042 Herstal (Liers), rue des Tch\u00E8rwe\u00FBs 23"
      },
      "share_class": null,
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 0,
      "holder_person_name": "Antony Roy GOKA",
      "is_subscriber_only": false,
      "n_shares_subscribed": 0,
      "amount_subscribed_eur": 0,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 50000,
  "subject_company": {
    "kbo": "1007.279.771",
    "name_full": "ATF Construct",
    "legal_form": "SRL"
  },
  "initial_directors": [],
  "incorporation_date": "2024-03-15",
  "post_incorporation_mandates": []
}

Credit advice verdict per customer and amount

AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon

The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Company registry (CBE) Crossroads Bank

Activities

Vervaardiging van machines en apparaten voor de koeltechniek en de klimaatregeling, voor niet-huishoudelijk gebruik28250Vervaardiging van machines en apparaten voor klimaatregeling, voor niet-huishoudelijk gebruik28250Overige gespecialiseerde bouwactiviteiten, neg43990Overige gespecialiseerde bouwwerkzaamheden43999

Primary activity highlighted.

Names & trade names

Legal nameFR

ATF Construct

Registered office

Rue Bourie 3

5300 Andenne, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

Similar companies Same NACE

A.C.V.R. & FILS BE 0759.382.316 · Sambreville

BHTC GmbH BE 0671.805.766 · LIPPSTADT

CAZAL GROUP BE 1031.706.549 · Beauraing

CHAV&CO BE 1013.937.436 · Walcourt

DTEKCOOLING BE 0770.779.222 · Assesse