Dr. Peeters Michaël
ActiveSummary
Dr. Peeters Michaël has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €364k and a net result of €158k. Equity is growing by ~33.2% per year across the filed fiscal years. Its solvency ranks better than 41% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability97▲+8
Solvency77▼-19
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 1.99 against 3.79 in 2024; short-term debt: 46.4% and cash: 65.3% of total assets), and 47.5% 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 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
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
52.5%
Return on assets
22.8%
Age of the figures
15 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
on the day
2023
on the day
2022
on the day
2021
17 d early
2020
17 d early
2019
1 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€364k▼ 15.1%
2024 · €428k
2019: €26k
2020: €38k
2021: €128k
2022: €243k
2023: €329k
2024: €428k
2019 → 2025
Total assets
€693k▲ 15.5%
2024 · €600k
2019: €577k
2020: €512k
2021: €576k
2022: €612k
2023: €611k
2024: €600k
2019 → 2025
Net result
€158k▲ 59.8%
2024 · €99k
2019: €6k
2020: €12k
2021: €90k
2022: €114k
2023: €86k
2024: €99k
2019 → 2025
Working capital
€317k▼ 13.3%
2024 · €365k
2019: €-126
2020: €13k
2021: €100k
2022: €211k
2023: €276k
2024: €365k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€128k-€243k▲ 89.3%€329k▲ 35.6%€428k▲ 30.1%€364k▼ 15.1%
Operating result€149k-€184k▲ 23.7%€147k▼ 20.1%€161k▲ 9.9%€235k▲ 45.8%
Net result€90k-€114k▲ 26.7%€86k▼ 24.5%€99k▲ 14.6%€158k▲ 59.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 46% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €693k
Fixed assets
€55k ▼ 46.9%
Current assets
€638k ▲ 28.6%
Equity and liabilities €693k
Equity
€364k ▼ 15.1%
Debt
€330k ▲ 91.8%
Debt's share of the balance-sheet total rises from 28.6% to 47.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€284k▲
2024 · €211k
Cash flow
€207k▲
2024 · €149k
Current ratio
1.99▼
2024 · 3.79
Debt to equity
0.91▲
2024 · 0.40
ROE
43.5%▲
2024 · 23.1%
ROA
22.8%▲
2024 · 16.5%
Interest coverage
73.02▲
2024 · 26.55
Debt ≤ 1 year
€321k▲
2024 · €131k
Debt > 1 year
€0▼
2024 · €36k
Income taxes
€81k▲
2024 · €55k
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€600k€693k▲
Fixed assets21/28€104k€55k▼
Tangible fixed assets22/27€104k€55k▼
Land and buildings22€94k€48k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€5k€4k▼
Current assets29/58€496k€638k▲
Amounts receivable after more than one year29-€166k
Other amounts receivable291-€166k
Amounts receivable within one year40/41€25k€17k▼
Other amounts receivable41€25k€17k▼
Current investments50/53€51k€0▼
Cash at bank and in hand54/58€417k€452k▲
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€600k€693k▲
Equity10/15€428k€364k▼
Contributions10/11€12k€12k=
Reserves13€416k€351k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€416k€351k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€172k€330k▲
Amounts payable after more than one year17€36k€0▼
Financial debts170/4€36k€0▼
Amounts payable within one year42/48€131k€321k▲
Current portion of amounts payable after more than one year42€57k€36k▼
Trade debts44€19k€9k▼
Suppliers440/4€19k€9k▼
Taxes, remuneration and social security45€2k€45k▲
Taxes450/3€2k€45k▲
Other amounts payable47/48€54k€231k▲
Accrued charges and deferred income492/3€5k€8k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€50k€49k▼
Other operating charges640/8€4k€3k▼
Gross operating margin9900€215k€287k▲
Operating profit (loss)9901€161k€235k▲
Financial income75/76B€1k€8k▲
Recurring financial income75€1k€8k▲
Financial charges65/66B€8k€4k▼
Recurring financial charges65€8k€4k▼
Profit (loss) for the period before taxes9903€155k€239k▲
Income taxes67/77€55k€81k▲
Profit (loss) for the period9904€99k€158k▲
Profit (loss) for the period to be appropriated9905€99k€158k▲
Appropriation of the result
Profit (loss) to be appropriated9906€99k€158k▲
Transfer from equity791/2-€223k
Transfer to equity691/2€99k€158k▲
To other reserves6921€99k€158k▲
Profit to be distributed694/7-€223k
Return on contributions (dividend)694-€223k
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
2026
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2019net €158k ▲59.8%
Operating result €235k, net result €158k, both a record.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Equity above €200kEq €243k ▲89.3%
4 profitable years in a row build equity to €243k.
14-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Equity above €100kEq €128k ▲238%
3 profitable years in a row build equity to €128k.
14-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 24 days late
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, Antwerpen · 1 establishment unit since 2010
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.
Scheldestraat 862000 AntwerpenGround area
151 m²
Building footprint
113 m²
Volume, LiDAR
1,340 m³
Parcel 11811L3618/00W002, Flanders · tallest building 16.9 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Scheldestraat 86, 2000 Antwerpen
since 20102.194.453.467
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11811L3618/00W002 | Flanders | 151 m² | 1 · 113 m² | 16.9 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 9,124 companies in sector 86210 we hold annual accounts for 6,337. 5,129 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
Founded28-10-2010
Fiscal year end30-06
Activities, NACEBEL 2025
86210General medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.