Dr Jean-Luc PETERS
ActiveSummary
Dr Jean-Luc PETERS has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €203k and a net result of €34k. Equity is growing by ~4.8% per year across the filed fiscal years. Its solvency ranks better than 78% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
97
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▼-3
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 7.27 against 5.57 in 2024; short-term debt: 13.5% and cash: 56% of total assets), and 13.5% of the assets are financed with debt.
Credit advice 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 86
Relative position
BE, all sectors
reference
Sector 86
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
86.5%
Return on assets
14.6%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 23-09-2025, 38 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
38 d early
2024
1 d early
2023
5 d early
2022
3 d late
2021
36 d late
2020
1 d early
2019
23 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€203k▲ 20.4%
2024 · €169k
2019: €164k
2020: €164k
2021: €84k
2022: €113k
2023: €143k
2024: €169k
2019 → 2025
Total assets
€235k▲ 14.6%
2024 · €205k
2019: €187k
2020: €176k
2021: €186k
2022: €148k
2023: €176k
2024: €205k
2019 → 2025
Net result
€34k▼ 1.1%
2024 · €35k
2019: €9k
2020: €-247
2021: €10k
2022: €45k
2023: €30k
2024: €35k
2019 → 2025
Working capital
€198k▲ 20.6%
2024 · €164k
2019: €167k
2020: €166k
2021: €85k
2022: €112k
2023: €137k
2024: €164k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€84k-€113k▲ 35.2%€143k▲ 26.6%€169k▲ 18.0%€203k▲ 20.4%
Operating result€13k-€62k▲ 374%€44k▼ 29.1%€67k▲ 51.9%€46k▼ 31.2%
Net result€10k-€45k▲ 334%€30k▼ 33.7%€35k▲ 15.5%€34k▼ 1.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 31% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €235k
Fixed assets
€5k ▲ 11.8%
Current assets
€230k ▲ 14.7%
Equity and liabilities €235k
Equity
€203k ▲ 20.4%
Debt
€32k ▼ 12.2%
Debt's share of the balance-sheet total falls from 17.6% to 13.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€48k▼
2024 · €69k
Cash flow
€36k▼
2024 · €37k
Current ratio
7.27▲
2024 · 5.57
Debt to equity
0.16▼
2024 · 0.21
ROE
16.9%▼
2024 · 20.6%
ROA
14.6%▼
2024 · 17.0%
Interest coverage
23.83▼
2024 · 29.97
Debt ≤ 1 year
€32k▼
2024 · €36k
Income taxes
€13k▼
2024 · €34k
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€205k€235k▲
Fixed assets21/28€4k€5k▲
Tangible fixed assets22/27€3k€3k▲
Plant, machinery and equipment23€1k€646▼
Furniture and vehicles24€2k€2k▲
Financial fixed assets28€2k€2k=
Current assets29/58€200k€230k▲
Amounts receivable within one year40/41€27k€94k▲
Trade receivables40-€38k
Other amounts receivable41€27k€56k▲
Current investments50/53€49k€0▼
Cash at bank and in hand54/58€73k€131k▲
Deferred charges and accrued income490/1€52k€4k▼
Equity and liabilities
Total equity and liabilities10/49€205k€235k▲
Equity10/15€169k€203k▲
Contributions10/11€12k€12k=
Reserves13€156k€190k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€247€693▲
Distributable reserves133€156k€190k▲
Profit (loss) carried forward14€466€466=
Amounts payable17/49€36k€32k▼
Amounts payable within one year42/48€36k€32k▼
Trade debts44€9k€7k▼
Suppliers440/4€9k€7k▼
Taxes, remuneration and social security45€18k€16k▼
Taxes450/3€18k€16k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€9k€9k=
Accrued charges and deferred income492/3€45€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€433€544▲
Gross operating margin9900€69k€49k▼
Operating profit (loss)9901€67k€46k▼
Financial income75/76B€4k€4k▼
Recurring financial income75€4k€4k▼
Non-recurring financial income76B€0-
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€68k€48k▼
Income taxes67/77€34k€13k▼
Profit (loss) for the period9904€35k€34k▼
Transfer to tax-exempt reserves689-€446
Profit (loss) for the period to be appropriated9905€35k€34k▼
Appropriation of the result
Profit (loss) to be appropriated9906€35k€34k▼
Profit (loss) brought forward from the previous period14P€466€466=
Transfer from equity791/2€9k€0▼
Transfer to equity691/2€35k€34k▼
To other reserves6921€35k€34k▼
Profit to be distributed694/7€9k€0▼
Return on contributions (dividend)694€9k€0▼
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
2025
23-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Equity above €200kEq €203k ▲20.4%
5 profitable years in a row build equity to €203k.
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Equity above €150kEq €169k ▲18%
4 profitable years in a row build equity to €169k.
2023
26-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
31-03
Financial
Highest result since 2019net €45k ▲334%
Net result €45k, the highest in the series.
31-03
Financial
Liquidity doublescurrent ratio 4.42
Current ratio from 1.84 to 4.42; short-term debt falls from €101k to €33k.
31-03
Financial
Equity above €100kEq €113k ▲35.2%
2 profitable years in a row build equity to €113k.
2021
06-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 36 days late
31-03
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Show earlier events
31-03
Financial
Weakest financial yearnet €-247 ▼103%
Net result drops to €-247, the lowest in the series; recovery starts the following year.
2019
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
22-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Huy · 1 establishment unit since 2003
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.
Avenue de l'Europe 64500 HuyGround area
1,126 m²
Building footprint
152 m²
Volume, LiDAR
966 m³
Parcel 61031B0729/00R002, Wallonia · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Avenue de l'Europe 6, 4500 Huy
since 20032.340.940.590
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61031B0729/00R002 | Wallonia | 1,126 m² | 1 · 152 m² | 9.1 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
Legal Entity Identifier
254900NLIPECTONPAS88
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Of 16,627 companies in sector 86220 we hold annual accounts for 7,974. 6,733 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
Founded30-09-2003
Fiscal year end31-03
Activities, NACEBEL 2025
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.