Financials
- Fiscal year
- 2025
- Total assets
- €75,126
- Profit
- €4,085
- Solvency
- 38.8%
Total assets▲ 5.0%
Net result
20182025
DE CLERCQ - PEELMAN
ActiveSummary
DE CLERCQ - PEELMAN has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €29,122 and a net result of €4,085. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 54% of 20110 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
Activity
Non-specialised retail sale with food, beverages or tobacco predominating
NACE 47110NACE 47112NACE 52112
1 site
Size
€75,126total assets 2025
- Equity
- €29,122
- Profit
- €4,085
Turnover not published (abridged schema)
Structure
Accounts filed 25 d late
Why 90- Sector Retail trade (NACE 47)- Size: total assets €75,126+ Liquidity: current ratio 1.59, cash €23,065+ Founded in 1988Show the evidence
Checked score
Score 2025
90
/ 100
Excellent
Probability in this band: under 0.55%
Better than 62% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
64+4
equity 38.8% of total assets
Liquidity
56-10
short-term debt 61.2% · cash 30.7%
Profitability
76+6
return on assets 5.4%
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 16 months
07-2025: 0.2%
08-2025: 0.2%● 0.0% vs 07-2025
09-2025: 0.2%● 0.0% vs 08-2025
10-2025: 0.2%● 0.0% vs 09-2025
11-2025: 0.2%● 0.0% vs 10-2025
12-2025: 0.2%● 0.0% vs 11-2025
01-2026: 0.2%▼ -1.6% vs 12-2025lowest value
02-2026: 0.2%● 0.0% vs 01-2026lowest value
03-2026: 0.2%● 0.0% vs 02-2026lowest value
04-2026: 0.2%▲ +9.2% vs 03-2026
05-2026: 0.2%● 0.0% vs 04-2026
06-2026: 0.2%▼ -3.5% vs 05-2026
07-2026: 0.2%▲ +16.0% vs 06-2026
08-2026: 0.6%▲ +146% vs 07-2026highest value
09-2026: 0.2%▼ -62.3% vs 08-2026
10-2026: 0.2%● 0.0% vs 09-2026
- Sector Retail trade (NACE 47) raises the probability
- Liquidity: current ratio 1.59, cash €23,065 lowers the probability
- Founded in 1988 lowers the probability for this profile
- Size: total assets €75,126 raises the probability for this profile
Credit up to €2,500 at 30 days acceptable
Liquidity ample (current ratio 1.59 against 1.47 in 2024; short-term debt: 61.2% and cash: 30.7% of total assets), but 61.2% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 54%, liquidity 62%, profitability 62%, growth against the median 69%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
1819202122232425
2018 to 2025 · latest year €29,122
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
25 d late
2024
35 d early
2023
79 d early
2022
76 d early
2021
62 d early
2020
71 d early
2019
57 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 51 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 30 May (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Highest result since 2018net €4,085 ▲610%
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 14
- Since
- 2017
- Next accounts
- by 31-07-2027
- 25-08-2026Annual accounts filed
- 31-12-2025Highest result since 2018
- 26-06-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Coöperatieve vennootschap met beperkte aansprakelijkheid
- Activity
- Non-specialised retail sale with food, beverages or tobacco…NACE 47110
- Founded
- 15-12-1988
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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