CHRISTOPHE PETERMANN
ActiveSummary
CHRISTOPHE PETERMANN has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €129k and a net result of €-534. Equity is growing by ~24.5% per year across the filed fiscal years. Its solvency ranks better than 54% of 15367 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability44▼-40
Solvency88▲+16
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 4.58 against 2.63 in 2023; short-term debt: 17% and cash: 69.1% of total assets), and 36.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
63.1%
Return on assets
-0.3%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-05-2025, 72 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
72 d early
2023
64 d early
2022
84 d early
2021
13 d early
2020
43 d early
2019
28 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-534
2023 · €32k
2018: €6k
2019: €7k
2020: €37k
2021: €20k
2022: €14k
2023: €32k
2018 → 2024
Working capital
€125k▼ 6.5%
2023 · €134k
2018: €21k
2019: €31k
2020: €71k
2021: €104k
2022: €113k
2023: €134k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€64k-€83k▲ 30.8%€97k▲ 16.8%€130k▲ 33.3%€129k▼ 0.4%
Operating result€60k-€41k▼ 32.2%€20k▼ 50.6%€40k▲ 99.4%€4k▼ 90.0%
Net result€37k-€20k▼ 46.6%€14k▼ 28.6%€32k▲ 131%€-534
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 90% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €205k
Fixed assets
€45k ▼ 21.8%
Current assets
€160k ▼ 25.9%
Equity and liabilities €205k
Equity
€129k ▼ 0.4%
Debt
€76k ▼ 47.3%
Debt's share of the balance-sheet total falls from 52.6% to 36.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€18k▼
2023 · €54k
Cash flow
€13k▼
2023 · €46k
Current ratio
4.58▲
2023 · 2.63
Debt to equity
0.59▼
2023 · 1.11
ROE
-0.4%▼
2023 · 25.0%
ROA
-0.3%▼
2023 · 11.8%
Interest coverage
3.04▼
2023 · 10.02
Debt ≤ 1 year
€35k▼
2023 · €82k
Debt > 1 year
€41k▼
2023 · €61k
Income taxes
€280▼
2023 · €12k
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 · 2024 against 2023 · 48 lines
Balance sheet
Code20232024
Assets
Total assets20/58€273k€205k▼
Fixed assets21/28€58k€45k▼
Tangible fixed assets22/27€58k€45k▼
Land and buildings22€52k€40k▼
Furniture and vehicles24€6k€6k▼
Current assets29/58€216k€160k▼
Amounts receivable within one year40/41€71k€16k▼
Trade receivables40€71k€13k▼
Other amounts receivable41€226€3k▲
Cash at bank and in hand54/58€140k€142k▲
Deferred charges and accrued income490/1€5k€2k▼
Equity and liabilities
Total equity and liabilities10/49€273k€205k▼
Equity10/15€130k€129k▼
Contributions10/11€12k€12k=
Reserves13€117k€117k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€117k€117k▼
Profit (loss) carried forward14€74€0▼
Amounts payable17/49€144k€76k▼
Amounts payable after more than one year17€61k€41k▼
Financial debts170/4€61k€41k▼
Amounts payable within one year42/48€82k€35k▼
Current portion of amounts payable after more than one year42€20k€21k▲
Trade debts44€54k€4k▼
Suppliers440/4€54k€4k▼
Taxes, remuneration and social security45€6k€4k▼
Taxes450/3€6k€4k▼
Other amounts payable47/48€3k€5k▲
Accrued charges and deferred income492/3€204€0▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€14k▲
Other operating charges640/8€3k€7k▲
Non-recurring operating charges66A-€340
Gross operating margin9900€57k€25k▼
Operating profit (loss)9901€40k€4k▼
Financial income75/76B€10k€2k▼
Recurring financial income75€10k€2k▼
Financial charges65/66B€5k€6k▲
Recurring financial charges65€5k€6k▲
Profit (loss) for the period before taxes9903€45k€-254▼
Income taxes67/77€12k€280▼
Profit (loss) for the period9904€32k€-534▼
Profit (loss) for the period to be appropriated9905€32k€-534▼
Appropriation of the result
Profit (loss) to be appropriated9906€32k€-460▼
Profit (loss) brought forward from the previous period14P€69€74▲
Transfer from equity791/2-€460
Transfer to equity691/2€32k€0▼
To other reserves6921€32k€0▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
20-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-534 ▼102%
Net result drops to €-534, the lowest in the series.
28-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €130k ▲33.3%
6 profitable years in a row build equity to €130k.
08-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €37k ▲424%
Operating result €60k, net result €37k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 12 days late
2018
02-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 2 days late
2017
09-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
24-05
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Sint-Lambrechts-Woluwe
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.
Théodore De Cuyperstraat 2291200 Sint-Lambrechts-WoluweGround area
6,444 m²
Building footprint
3,348 m²
Volume, LiDAR
50,144 m³
Parcel 21018A0121/00G002, Brussels · tallest building 20.1 m, ±5 floors. Linked by address, not a title deed.
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21018A0121/00G002 | Brussels | 6,444 m² | 1 · 3,348 m² | 20.1 m · 5 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.
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Of 22,058 companies in sector 69101 we hold annual accounts for 9,052. 7,548 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
Founded19-06-2007
Fiscal year end31-12
Activities, NACEBEL 2025
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.