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Generated 19-07-2026
Active BE 0860.733.953Private limited company

CEULEMANS PETER

Schriekstraat 140 ·2223 Heist-op-den-Berg, Belgium· 22 yrs active
Sector: Construction of buildings (41001)
Conclusion Checked

The computed 12-month bankruptcy probability of CEULEMANS PETER is 0.6% (low). The 2025 annual accounts show equity of €171k and a net result of €25k. Equity is shrinking by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 90% of 1070 sector peers (fiscal year 2025). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 8 annual accounts.
Key figures
Equity €171k
Net result €25k
Better than sector 90%
Active 22 yrs
Snowflake analysis 5 axes · computed by Checked
Health100Profitability74Solvency100Growth58Stability100
86 / 100

Exceptional profile, strong across almost every axis.

Health 100
Profitability 74
Solvency 100
Growth 58
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.6% Low
0%0,5%1,5%4%10%≥25%
Higher-failure-rate sector +Long track record −Annual accounts: healthy financial profile −

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 3 signals
Long-established
Founded in 2003, 22 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2025 · computed
100 / 100 Excellent
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 18-03-2026 with the NBB · fiscal year 2025 · micro
€-20k€0€20k€40kOperating result 2021: €-5k€-5kNet result 2021: €3k€3kOperating result 2022: €-16k€-16kNet result 2022: €-16k€-16kOperating result 2023: €31k€31kNet result 2023: €27k€27kOperating result 2024: €20k€20kNet result 2024: €16k€16kOperating result 2025: €32k€32kNet result 2025: €25k€25k20212022202320242025
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining Equity: declining trend of ~2.9%/year over 8 fiscal years, indicative, assuming unchanged policy.
€50k€100k€150k€200k2026: €139k (€111k - €168k)2027: €135k (€90k - €181k)2028: €131k (€69k - €194k)2018: €185k2019: €141k2020: €170k2021: €163k2022: €103k2023: €130k2024: €146k2025: €171k20182019202020212022202320242025202620272028
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2025 · NACE 41, Construction of buildings · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 79.8% 42.4%
better than 90% of 1070 sector peers
Net result €25k €11k
better than 70% of 1071 sector peers
Equity €171k €35k
better than 91% of 1072 sector peers
Gross operating margin €58k €30k
better than 70% of 1070 sector peers
Staff costs €0 €17k
higher than 5% of 282 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€44k
+37.2% +11% vs sector
Net profit
€25k
+61.0% +108% vs sector
Cash flow
€37k
+35.3% +11% vs sector
Total assets
€214k
+3.1% -52% vs sector
Equity
€171k
+17.3% -8% vs sector
Working capital
€160k
+20.6% +7% vs sector
Staff costs
€0
-100.0% -100% vs sector
Income taxes
€11k
+60.5% +132% vs sector
Dividends
€0
-100.0% -100% vs sector
Debt
€43k
-30.2% -85% vs sector
Debt ≤ 1y
€40k
-20.5% -82% vs sector
Current ratio
5.02
+37.5% +183% vs sector
Quick ratio
4.52
+31.0% +156% vs sector
Solvency
79.8%
+13.7% +132% vs sector
Debt / equity
0.25
-40.5% -87% vs sector
ROE
14.7%
+37.3% +140% vs sector
ROA
11.8%
+56.1% far above sector median
Interest coverage
253.52
+10.2% far above sector median
Figures by fiscal year
Fiscal year2025
Revenue-
EBITDA€44k
Net profit€25k
Cash flow€37k
Staff costs€0
Income taxes€11k
Dividends-
Total assets€214k
Equity€171k
Debt€43k
of which ≤ 1y€40k
of which > 1y-
Working capital€160k
Employees (FTE)-
Ratios (computed)
2025
Current ratio5.02
Quick ratio4.52
Working capital ratio74.8%
Solvency79.8%
Debt / equity0.25
Long-term debt ratio-
Interest coverage253.52
Gross margin-
Net margin-
ROA11.8%
ROE14.7%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€214k
Fixed assets 21/28€14k
Tangible fixed assets 22/27€14k
Financial fixed assets 28€0
Current assets 29/58€200k
Stocks & contracts in progress 3€20k
Amounts receivable within one year 40/41€76k
Cash & bank 54/58€101k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€214k
Equity 10/15€171k
Contributions / capital 10/11€19k
Reserves 13€152k
Amounts payable 17/49€43k
Amounts payable within one year 42/48€40k
Trade debts payable within one year 44€18k
Income statement
Gross operating margin 9900€58k
Operating result 9901€32k
Financial income 75€4k
Financial charges 65€172
Result before taxes 9903€36k
Income taxes 67/77€11k
Net result for the period 9904€25k
Result to be appropriated 9905€25k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Construction of buildings(41001)
Legal form Private limited company(610)
Incorporation26-09-2003
StatusActive
Postal code2223
Establishment units 1 location
CEULEMANS PETER
Schriekstraat 140, 2223 Heist-op-den-Berghet optrekken van de ruwbouw van individuele huizen
since 20032.133.584.878
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.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
12033A0157/00G000 Flanders 915 m² 1 · 169 m² 5.1 m · 1 fl.
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 11 events

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

2026
18-03-2026
NBB filing Annual accounts filed
fiscal year 2025 · micro
2025
19-03-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
14-03-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
15-01-2024
State Gazette act Director changes
Eduard Van de Poel
2023
17-03-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
25-03-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
19-03-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
18-03-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
20-03-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
19-03-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
2017
15-03-2017
NBB filing Annual accounts filed
fiscal year 2016 · verkort
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 2 years ago
2024
15-01-2024 Change in the board of directors Director changes·Eduard Van de Poel
Notary: Eduard Van de Poel · PutteFirm: Van de Poel & Pinoy
Technical details 
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    {
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      "role": "dagelijks_bestuur",
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        "rrn": null,
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        "address": "Schriekstraat 140, 2223 Heist-op-den-Berg",
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        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "rectification",
      "via_org": null,
      "statutory": "statutair",
      "compensated": null,
      "effective_date": null,
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      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
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    },
    {
      "kind": "substantive_delegation",
      "role": "dagelijks_bestuur",
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      },
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      "subkind": "rectification",
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      "decharge_status": null,
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      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": "Eduard Van de Poel",
    "firm_city": null,
    "firm_name": "Van de Poel \u0026 Pinoy",
    "office_city": "Putte",
    "is_associated": true
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2024-01-15",
    "filing_date": "2024-01-11",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2023-12-15",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0860.733.953",
    "name_full": "CEULEMANS PETER",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "org",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [
    "expeditie van de akte",
    "co\u00F6rdinatie van de statuten",
    "clausule inzake vertegenwoordigingsbevoegdheid"
  ],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Activities
Algemene bouw van residentiële gebouwen41001Algemene bouw van residentiële gebouwen41201Bouwen van individuele huizen45211
Primary activity highlighted.
Names & trade names
Legal nameNL CEULEMANS PETER
Registered office
Schriekstraat 140
2223 Heist-op-den-Berg, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative