DE SCHRIJVER PETER
ActiveSummary
DE SCHRIJVER PETER has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €376k and a net result of €18k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 73% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+56
Solvency86▲+5
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 10.62 against 7.41 in 2024; short-term debt: 6.2% and cash: 35.7% of total assets), and 38.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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
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
61.1%
Return on assets
2.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
61 d late
2023
30 d late
2022
on the day
2021
31 d late
2020
30 d late
2019
61 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€376k▲ 4.9%
2024 · €359k
2018: €422k
2019: €393k
2020: €329k
2021: €309k
2022: €498k
2023: €414k
2024: €359k
2018 → 2025
Total assets
€616k▼ 4.0%
2024 · €641k
2018: €710k
2019: €647k
2020: €860k
2021: €1.01M
2022: €733k
2023: €536k
2024: €641k
2018 → 2025
Net result
€18k
2024 · €-56k
2018: €-6k
2019: €-29k
2020: €-64k
2021: €-20k
2022: €212k
2023: €6k
2024: €-56k
2018 → 2025
Working capital
€369k▲ 2.5%
2024 · €360k
2018: €239k
2019: €224k
2020: €472k
2021: €557k
2022: €369k
2023: €207k
2024: €360k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€309k-€498k▲ 61.0%€414k▼ 16.8%€359k▼ 13.4%€376k▲ 4.9%
Operating result€-11k-€259k€9k▼ 96.7%€-49k€24k
Net result€-20k-€212k€6k▼ 97.0%€-56k€18k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €24k after a loss of €49k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €616k
Fixed assets
€208k ▼ 7.3%
Current assets
€407k ▼ 2.1%
Equity and liabilities €616k
Equity
€376k ▲ 4.9%
Debt
€239k ▼ 15.2%
Debt's share of the balance-sheet total falls from 44.1% to 38.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€92k▲
2024 · €6k
Cash flow
€86k▲
2024 · €-175
Current ratio
10.62▲
2024 · 7.41
Quick ratio
6.09▲
2024 · 5.74
Debt to equity
0.64▼
2024 · 0.79
ROE
4.7%▲
2024 · -15.5%
ROA
2.9%▲
2024 · -8.7%
Interest coverage
14.71▲
2024 · 0.97
Debt ≤ 1 year
€38k▼
2024 · €56k
Debt > 1 year
€194k▼
2024 · €224k
Staff costs
€339▲
2024 · €320
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 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€641k€616k▼
Fixed assets21/28€224k€208k▼
Intangible fixed assets21€4k€2k▼
Tangible fixed assets22/27€220k€205k▼
Land and buildings22€92k€76k▼
Plant, machinery and equipment23€51k€49k▼
Furniture and vehicles24€77k€80k▲
Financial fixed assets28€659€659=
Current assets29/58€416k€407k▼
Stocks and contracts in progress3€94k€174k▲
Stocks30/36€94k€174k▲
Amounts receivable within one year40/41€75k€11k▼
Trade receivables40€67k€11k▼
Other amounts receivable41€7k-
Cash at bank and in hand54/58€245k€220k▼
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€641k€616k▼
Equity10/15€359k€376k▲
Contributions10/11€25k€25k=
Reserves13€363k€363k=
Tax-exempt reserves132€38k€38k=
Distributable reserves133€325k€325k=
Profit (loss) carried forward14€-29k€-12k▲
Amounts payable17/49€282k€239k▼
Amounts payable after more than one year17€224k€194k▼
Financial debts170/4€224k€194k▼
Amounts payable within one year42/48€56k€38k▼
Current portion of amounts payable after more than one year42€19k€20k▲
Trade debts44€30k€3k▼
Suppliers440/4€30k€3k▼
Taxes, remuneration and social security45€3k€10k▲
Taxes450/3€3k€10k▲
Other amounts payable47/48€4k€5k▲
Accrued charges and deferred income492/3€2k€7k▲
Income statement
Code20242025
Non-recurring operating income76A€76k€34k▼
Remuneration, social security and pensions62€320€339▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€56k€69k▲
Other operating charges640/8€4k€4k▲
Non-recurring operating charges66A€6k€18▼
Gross operating margin9900€16k€97k▲
Operating profit (loss)9901€-49k€24k▲
Financial income75/76B€55€19▼
Recurring financial income75€55€19▼
Financial charges65/66B€7k€6k▼
Recurring financial charges65€7k€6k▼
Profit (loss) for the period before taxes9903€-56k€18k▲
Income taxes67/77€1-
Profit (loss) for the period9904€-56k€18k▲
Profit (loss) for the period to be appropriated9905€-56k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-56k€-12k▲
Profit (loss) brought forward from the previous period14P-€-29k
Transfer from equity791/2€26k-
The notes to these accounts (13 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €212k
Net result €212k after 4 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Weakest financial yearnet €-64k
Net result drops to €-64k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 19.52
Current ratio from 8.56 to 19.52; short-term debt falls from €30k to €25k.
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Lede · 1 establishment unit since 2008
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.
Herdergemsestraat 489340 LedeGround area
1,394 m²
Building footprint
363 m²
Volume, LiDAR
1,811 m³
2 parcels, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SPAFUN
since 20082.169.364.814
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41034F0291/00C000 | Flanders | 975 m² | 1 · 363 m² | 10.3 m · 2 fl. |
| 41016A0272/00K000indicative | Flanders | 418 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 309 EUR awarded · 309 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 309 EUR | 309 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
LAUDUS IMMO
BE 0536.669.326
Grobbendonk · Eq €376,225
BOSSUYT VASTGOED
BE 0444.148.152
Brugge · Eq €376,265
MEERTENS LUDY
BE 0882.091.868
Lanaken · Eq €376,371
ELD PROJECTS
BE 0658.762.236
Knokke-Heist · Eq €376,432
L.V.I._BEHEER
BE 0476.955.928
Putte · Eq €375,347
Of 9,694 companies in sector 68121 we hold annual accounts for 7,383. 4,992 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
Founded03-03-2008
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
43221Plumbing work
43410Roofing work
43990Other specialised construction activities
63920Other information service activities
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
68204Real estate activities
73300Public relations and communication consultancy
77210Renting and leasing of sports and recreation goods
77229Renting and leasing of other personal and household goods
82300Organisation of conventions and trade shows
85599Other education
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.