BGK PEETERS
ActiveSummary
BGK PEETERS has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €30k and a net result of €393. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 79% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-30
Solvency99▲+33
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 4.38 against 1.68 in 2024; short-term debt: 21.9% and cash: 49.5% of total assets), and 26.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three 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 · 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 €30k
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 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 · 9 filingsDeviation from the deadline
2025
2 d late
2024
7 d late
2023
on the day
2022
on the day
2021
7 d late
2020
26 d late
2019
10 d late
← 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
€30k▲ 1.4%
2024 · €29k
2019: €20k
2020: €-8
2021: €-637
2022: €6k
2023: €5k
2024: €29k
2019 → 2025
Total assets
€40k▼ 44.0%
2024 · €71k
2019: €58k
2020: €68k
2021: €33k
2022: €39k
2023: €51k
2024: €71k
2019 → 2025
Net result
€393▼ 98.4%
2024 · €24k
2019: €23k
2020: €-20k
2021: €-629
2022: €7k
2023: €-802
2024: €24k
2019 → 2025
Working capital
€30k▲ 5.5%
2024 · €28k
2019: €16k
2020: €25k
2021: €-693
2022: €7k
2023: €12k
2024: €28k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-637-€6k€5k▼ 13.6%€29k▲ 472%€30k▲ 1.4%
Operating result€-304-€7k€-521€30k€915▼ 97.0%
Net result€-629-€7k€-802€24k€393▼ 98.4%
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 97% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €40k
Fixed assets
€2k ▼ 31.5%
Current assets
€38k ▼ 44.5%
Equity and liabilities €40k
Equity
€30k ▲ 1.4%
Debt
€10k ▼ 75.2%
Debt's share of the balance-sheet total falls from 59.3% to 26.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€2k▼
2024 · €32k
Cash flow
€2k▼
2024 · €25k
Current ratio
4.38▲
2024 · 1.68
Debt to equity
0.36▼
2024 · 1.45
ROE
1.3%▼
2024 · 82.5%
ROA
1.0%▼
2024 · 33.6%
Interest coverage
13.19▼
2024 · 346.95
Debt ≤ 1 year
€9k▼
2024 · €41k
Income taxes
€425▼
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€71k€40k▼
Fixed assets21/28€2k€2k▼
Tangible fixed assets22/27€2k€2k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€246€402▲
Current assets29/58€69k€38k▼
Amounts receivable within one year40/41€8k€3k▼
Trade receivables40€5k€2k▼
Other amounts receivable41€3k€794▼
Cash at bank and in hand54/58€43k€20k▼
Deferred charges and accrued income490/1€18k€15k▼
Equity and liabilities
Total equity and liabilities10/49€71k€40k▼
Equity10/15€29k€30k▲
Contributions10/11€13k€13k=
Reserves13€17k€17k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€15k€15k▲
Amounts payable17/49€42k€10k▼
Amounts payable within one year42/48€41k€9k▼
Trade debts44€9k€4k▼
Suppliers440/4€9k€4k▼
Advances received on contracts in progress46€18k-
Taxes, remuneration and social security45€7k€5k▼
Taxes450/3€7k€527▼
Remuneration and social security454/9-€5k
Other amounts payable47/48€6k€90▼
Accrued charges and deferred income492/3€1k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€33k€4k▼
Operating profit (loss)9901€30k€915▼
Financial income75/76B€64€69▲
Recurring financial income75€64€69▲
Financial charges65/66B€91€166▲
Recurring financial charges65€91€166▲
Profit (loss) for the period before taxes9903€30k€818▼
Income taxes67/77€6k€425▼
Profit (loss) for the period9904€24k€393▼
Profit (loss) for the period to be appropriated9905€24k€393▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€393▼
Profit (loss) brought forward from the previous period14P€-15k-
Transfer to equity691/2€9k€393▼
To other reserves6921€9k€393▼
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
02-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 2 days late
2025
30-06
Financial
Liquidity triplescurrent ratio 4.38
Current ratio from 1.68 to 4.38; short-term debt falls from €41k to €9k.
07-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 7 days late
2024
30-06
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €7k
Net result €7k after 2 loss-making years.
07-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 7 days late
2021
26-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
30-06
Financial
Weakest financial yearnet €-20k ▼188%
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
10-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 10 days late
2019
26-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
03-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Tremelo · 1 establishment unit since 2016
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.
Nobelstraat 1573128 TremeloGround area
174 m²
Building footprint
174 m²
Volume, LiDAR
659 m³
Parcel 24006A0209/00F000, Flanders · tallest building 6.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Nobelstraat 157, 3128 Tremelo
since 20162.260.129.395
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24006A0209/00F000 | Flanders | 174 m² | 1 · 174 m² | 6.6 m · 1 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.
Similar companies · same sector, comparable size
De Becker Marc Chauffage et Sanitaire
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Van Elsacker Verwarming & Sanitair
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FIGUEIRA THERMO-CONFORT
BE 0692.618.602
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NOVANTIS
BE 0828.044.062
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Of 9,530 companies in sector 43222 we hold annual accounts for 5,662. 4,010 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 (pre-2019)
Founded22-12-2016
Fiscal year end30-06
Activities, NACEBEL 2025
43222Installation of electric heating, air conditioning, cooling and ventilation
43221Plumbing work
43350Other building finishing work
46130Agents in the wholesale of timber and building materials
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.