AFSLUITINGEN PEETERS
ActiveAFSLUITINGEN PEETERS has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €517k and a net result of €21k. Equity is growing by ~29.5% per year across the filed fiscal years. Its solvency ranks better than 83% of 7687 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
83
/ 100
Excellent▼ -10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability20▼-80
Solvency100▲+1
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 3.8 against 2.37 in 2024), and 25.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
Sector 43
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
74.7%
Return on assets
3.1%
Age of the figures
8 mo
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
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 28-05-2026, 64 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
64 d early
2024
55 d early
2023
19 d early
2022
30 d late
2021
45 d early
2020
43 d early
2019
49 d early
← before the deadline
after the deadline →
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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€517k▼ 6.5%
2024 · €553k
2018: €-42k
2019: €31k
2020: €137k
2021: €278k
2022: €367k
2023: €464k
2024: €553k
2018 → 2025
Total assets
€693k▼ 23.3%
2024 · €903k
2018: €549k
2019: €612k
2020: €694k
2021: €743k
2022: €899k
2023: €747k
2024: €903k
2018 → 2025
Net result
€21k▼ 85.5%
2024 · €146k
2018: €61k
2019: €72k
2020: €126k
2021: €172k
2022: €146k
2023: €154k
2024: €146k
2018 → 2025
Working capital
€469k▲ 0.5%
2024 · €466k
2018: €-100k
2019: €26k
2020: €172k
2021: €205k
2022: €330k
2023: €423k
2024: €466k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€278k-€367k▲ 32.0%€464k▲ 26.5%€553k▲ 19.1%€517k▼ 6.5%
Operating result€227k-€190k▼ 16.0%€210k▲ 10.2%€194k▼ 7.4%€35k▼ 82.2%
Net result€172k-€146k▼ 15.0%€154k▲ 5.6%€146k▼ 5.5%€21k▼ 85.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 82% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €693k
Fixed assets
€57k▼ 41.2%
Current assets
€636k▼ 21.1%
Equity and liabilities €693k
Equity
€517k▼ 6.5%
Debt
€176k▼ 49.8%
The debt ratio falls from 38.7% to 25.3%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€74k▼
2024 · €233k
Cash flow
€61k▼
2024 · €184k
Solvency
74.7%▲
2024 · 61.3%
Current ratio
3.80▲
2024 · 2.37
Quick ratio
2.29▲
2024 · 1.71
Debt / equity
0.34▼
2024 · 0.63
ROE
4.1%▼
2024 · 26.4%
ROA
3.1%▼
2024 · 16.2%
Interest coverage
13.23▼
2024 · 56.10
Debt
€176k▼
2024 · €350k
Debt ≤ 1 year
€168k▼
2024 · €340k
Debt > 1 year
€2k▼
2024 · €9k
Income taxes
€9k▼
2024 · €45k
Staff costs
€211k▼
2024 · €239k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€903k€693k▼
Fixed assets21/28€96k€57k▼
Tangible fixed assets22/27€96k€57k▼
Land and buildings22€16k€13k▼
Plant, machinery and equipment23€46k€25k▼
Furniture and vehicles24€35k€19k▼
Current assets29/58€806k€636k▼
Stocks and contracts in progress3€225k€253k▲
Stocks30/36€225k€253k▲
Amounts receivable within one year40/41€419k€325k▼
Trade receivables40€381k€300k▼
Other amounts receivable41€38k€26k▼
Cash at bank and in hand54/58€158k€55k▼
Deferred charges and accrued income490/1€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€903k€693k▼
Equity10/15€553k€517k▼
Contributions10/11€19k€19k=
Reserves13€535k€499k▼
Distributable reserves133€535k€499k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€350k€176k▼
Amounts payable after more than one year17€9k€2k▼
Financial debts170/4€9k€2k▼
Amounts payable within one year42/48€340k€168k▼
Current portion of amounts payable after more than one year42€12k€7k▼
Trade debts44€234k€90k▼
Suppliers440/4€234k€90k▼
Taxes, remuneration and social security45€36k€12k▼
Taxes450/3€25k€65▼
Remuneration and social security454/9€11k€12k▲
Other amounts payable47/48€58k€59k▲
Accrued charges and deferred income492/3€0€6k▲
Income statement
Code20242025
Remuneration, social security and pensions62€239k€211k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€40k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€2k
Other operating charges640/8€4k€3k▼
Gross operating margin9900€476k€290k▼
Operating profit (loss)9901€194k€35k▼
Financial income75/76B€1k€1k▼
Recurring financial income75€1k€1k▼
Financial charges65/66B€4k€6k▲
Recurring financial charges65€4k€6k▲
Profit (loss) for the period before taxes9903€191k€30k▼
Income taxes67/77€45k€9k▼
Profit (loss) for the period9904€146k€21k▼
Profit (loss) for the period to be appropriated9905€146k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€146k€21k▼
Transfer from equity791/2-€36k
Transfer to equity691/2€89k€0▼
To other reserves6921€89k€0▼
Profit to be distributed694/7€57k€57k=
Return on contributions (dividend)694€57k€57k=
Social balance
Average headcount (FTE)90874.04.2▲
The notes to these accounts (11 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
28-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €21k ▼85.5%
Net result drops to €21k, the lowest in the series.
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €500kEq €553k ▲19.1%
7 profitable years in a row build equity to €553k.
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €172k ▲36.4%
Operating result €227k, net result €172k, both a record.
31-12
Financial
Equity above €200kEq €278k ▲104%
4 profitable years in a row build equity to €278k.
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €100kEq €137k ▲347%
3 profitable years in a row build equity to €137k.
12-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
13-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
15-06
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.
Directors · office · real estate
Directors
5 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, Malle · 1 establishment unit since 2010
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.
Zoerselbaan 1272390 MalleGround area
1,462 m²
Building footprint
226 m²
Volume, LiDAR
1,160 m³
Parcel 11049B0066/00D002, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Zoerselbaan 127, 2390 Malle
since 20102.193.736.261
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11049B0066/00D002 | Flanders | 1,462 m² | 1 · 226 m² | 8.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 487 EUR awarded · 419 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 487 EUR | 419 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 19,948 companies in sector 43320 we hold annual accounts for 9,084. 5,867 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-10-2010
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
43990Other specialised construction activities
43999Specialised construction activities
46831Wholesale of construction materials, general range
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.