Caroline Peeters
ActiveCaroline Peeters has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €334k and a net result of €57k. Equity is growing by ~25.3% per year across the filed fiscal years. Its solvency ranks better than 76% of 1268 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▲+1
Solvency100▲+1
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 3.16 against 2.64 in 2024; short-term debt: 24.2% and cash: 19.2% of total assets), and 24.2% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 75
Relative position
BE, all sectors
reference
Sector 75
lower
← fewer bankruptcies
more bankruptcies →
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
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
75.8%
Return on assets
12.9%
Age of the figures
9 mo
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 02-07-2026, 29 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
29 d early
2024
38 d early
2023
27 d early
2022
26 d early
2021
26 d early
2020
22 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€334k▲ 20.6%
2024 · €277k
2020: €77k
2021: €115k
2022: €178k
2023: €232k
2024: €277k
2020 → 2025
Total assets
€441k▲ 17.6%
2024 · €375k
2020: €232k
2021: €245k
2022: €313k
2023: €340k
2024: €375k
2020 → 2025
Net result
€57k▲ 26.7%
2024 · €45k
2020: €57k
2021: €38k
2022: €63k
2023: €54k
2024: €45k
2020 → 2025
Working capital
€231k▲ 43.7%
2024 · €161k
2020: €-22k
2021: €30k
2022: €82k
2023: €127k
2024: €161k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€115k-€178k▲ 54.8%€232k▲ 30.5%€277k▲ 19.4%€334k▲ 20.6%
Operating result€50k-€82k▲ 64.2%€71k▼ 12.8%€56k▼ 21.2%€72k▲ 28.4%
Net result€38k-€63k▲ 64.5%€54k▼ 13.7%€45k▼ 17.0%€57k▲ 26.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 28% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €441k
Fixed assets
€103k▼ 11.3%
Current assets
€338k▲ 30.6%
Equity and liabilities €441k
Equity
€334k▲ 20.6%
Debt
€107k▲ 9.1%
The debt ratio falls from 26.1% to 24.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€104k▲
2024 · €85k
Cash flow
€89k▲
2024 · €74k
Solvency
75.8%▲
2024 · 73.9%
Current ratio
3.16▲
2024 · 2.64
Quick ratio
2.50▲
2024 · 2.04
Debt / equity
0.32▼
2024 · 0.35
ROE
17.1%▲
2024 · 16.3%
ROA
12.9%▲
2024 · 12.0%
Interest coverage
253.67▲
2024 · 122.70
Debt
€107k▲
2024 · €98k
Debt ≤ 1 year
€107k▲
2024 · €98k
Income taxes
€15k▲
2024 · €11k
Staff costs
€35k▲
2024 · €32k
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€375k€441k▲
Fixed assets21/28€117k€103k▼
Intangible fixed assets21€1€1=
Tangible fixed assets22/27€117k€102k▼
Plant, machinery and equipment23€47k€38k▼
Furniture and vehicles24€4k€5k▲
Other tangible fixed assets26€65k€59k▼
Financial fixed assets28-€2k
Current assets29/58€259k€338k▲
Stocks and contracts in progress3€58k€70k▲
Stocks30/36€58k€70k▲
Amounts receivable within one year40/41€6k€6k▼
Trade receivables40€5k€6k▲
Other amounts receivable41€1k€97▼
Current investments50/53-€175k
Cash at bank and in hand54/58€193k€85k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€375k€441k▲
Equity10/15€277k€334k▲
Contributions10/11€20k€20k=
Reserves13€257k€314k▲
Distributable reserves133€257k€314k▲
Amounts payable17/49€98k€107k▲
Amounts payable within one year42/48€98k€107k▲
Current portion of amounts payable after more than one year42€15k-
Financial debts43€2k€364▼
Credit institutions430/8€2k€364▼
Trade debts44€6k€15k▲
Suppliers440/4€6k€15k▲
Taxes, remuneration and social security45€11k€21k▲
Taxes450/3€9k€16k▲
Remuneration and social security454/9€2k€5k▲
Other amounts payable47/48€64k€71k▲
Income statement
Code20242025
Remuneration, social security and pensions62€32k€35k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€32k▲
Other operating charges640/8€976€860▼
Gross operating margin9900€118k€140k▲
Operating profit (loss)9901€56k€72k▲
Financial income75/76B€974€59▼
Recurring financial income75€974€59▼
Financial charges65/66B€692€410▼
Recurring financial charges65€692€410▼
Profit (loss) for the period before taxes9903€56k€72k▲
Income taxes67/77€11k€15k▲
Profit (loss) for the period9904€45k€57k▲
Profit (loss) for the period to be appropriated9905€45k€57k▲
Appropriation of the result
Profit (loss) to be appropriated9906€45k€57k▲
Transfer to equity691/2€45k€57k▲
To other reserves6921€45k€57k▲
The notes to these accounts (8 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €232k ▲30.5%
4 profitable years in a row build equity to €232k.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2020net €63k ▲64.5%
Operating result €82k, net result €63k, both a record.
31-12
Financial
Equity above €150kEq €178k ▲54.8%
3 profitable years in a row build equity to €178k.
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €38k ▼32.5%
Net result drops to €38k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €115k ▲49.9%
2 profitable years in a row build equity to €115k.
09-07
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, Oostende · 1 establishment unit since 2019
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.
Gistelsesteenweg 4098400 OostendeGround area
974 m²
Building footprint
248 m²
Volume, LiDAR
1,155 m³
Parcel 35020B0059/00M000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Caroline Peeters
since 20192.283.707.622
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35020B0059/00M000 | Flanders | 974 m² | 1 · 248 m² | 8.2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteOostende2.283.707.622
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Of 6,078 companies in sector 75000 we hold annual accounts for 1,950. 1,506 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-01-2019
Fiscal year end31-12
Activities, NACEBEL
75000Veterinary services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.