Dr. PETER SCHOTTE
ActiveDr. PETER SCHOTTE has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €327k and a net result of €80k. Equity is growing by ~9.7% per year across the filed fiscal years. Its solvency ranks better than 75% of 16414 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 6.17 against 7.49 in 2024), and 15.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
84.5%
Return on assets
20.7%
Age of the figures
8 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 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
4 d late
2023
1 d late
2022
31 d late
2021
5 d early
2020
31 d early
2019
27 d late
← before the deadline
after the deadline →
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€327k▲ 11.6%
2024 · €293k
2018: €154k
2019: €185k
2020: €221k
2021: €229k
2022: €256k
2023: €288k
2024: €293k
2018 → 2025
Total assets
€387k▲ 15.8%
2024 · €334k
2018: €275k
2019: €278k
2020: €247k
2021: €249k
2022: €281k
2023: €299k
2024: €334k
2018 → 2025
Net result
€80k▲ 5.8%
2024 · €76k
2018: €58k
2019: €63k
2020: €46k
2021: €44k
2022: €55k
2023: €54k
2024: €76k
2018 → 2025
Working capital
€311k▲ 15.7%
2024 · €269k
2018: €19k
2019: €41k
2020: €108k
2021: €143k
2022: €200k
2023: €255k
2024: €269k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€229k-€256k▲ 11.7%€288k▲ 12.6%€293k▲ 1.6%€327k▲ 11.6%
Operating result€60k-€76k▲ 25.5%€74k▼ 2.3%€105k▲ 41.8%€112k▲ 7.1%
Net result€44k-€55k▲ 25.7%€54k▼ 1.1%€76k▲ 39.7%€80k▲ 5.8%
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 7% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €387k
Fixed assets
€16k▼ 33.5%
Current assets
€371k▲ 19.6%
Equity and liabilities €387k
Equity
€327k▲ 11.6%
Debt
€60k▲ 45.0%
The debt ratio rises from 12.4% to 15.5%: debt grows faster than equity.
Key figures and ratios
EBITDA
€123k▲
2024 · €119k
Cash flow
€90k▲
2024 · €90k
Solvency
84.5%▼
2024 · 87.6%
Current ratio
6.17▼
2024 · 7.49
Quick ratio
6.17▼
2024 · 7.49
Debt / equity
0.18▲
2024 · 0.14
ROE
24.5%▼
2024 · 25.8%
ROA
20.7%▼
2024 · 22.6%
Interest coverage
445.33▼
2024 · 678.45
Debt
€60k▲
2024 · €41k
Debt ≤ 1 year
€60k▲
2024 · €41k
Income taxes
€32k▲
2024 · €29k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€334k€387k▲
Fixed assets21/28€24k€16k▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€22k€14k▼
Plant, machinery and equipment23€10k€8k▼
Furniture and vehicles24€4k€4k=
Other tangible fixed assets26€9k€3k▼
Financial fixed assets28€2k€2k=
Current assets29/58€310k€371k▲
Amounts receivable within one year40/41€2k€0▼
Trade receivables40€2k€0▼
Other amounts receivable41€0-
Cash at bank and in hand54/58€308k€371k▲
Equity and liabilities
Total equity and liabilities10/49€334k€387k▲
Equity10/15€293k€327k▲
Contributions10/11€19k€19k=
Reserves13€274k€308k▲
Distributable reserves133€274k€308k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€41k€60k▲
Amounts payable within one year42/48€41k€60k▲
Trade debts44€0-
Suppliers440/4€0-
Taxes, remuneration and social security45€1k€2k▲
Taxes450/3€1k€2k▲
Other amounts payable47/48€40k€58k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€10k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€121k€124k▲
Operating profit (loss)9901€105k€112k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€176€276▲
Recurring financial charges65€176€276▲
Profit (loss) for the period before taxes9903€105k€112k▲
Income taxes67/77€29k€32k▲
Profit (loss) for the period9904€76k€80k▲
Profit (loss) for the period to be appropriated9905€76k€80k▲
Appropriation of the result
Profit (loss) to be appropriated9906€76k€80k▲
Transfer from equity791/2€71k€46k▼
Transfer to equity691/2€76k€80k▲
To other reserves6921€76k€80k▲
Profit to be distributed694/7€71k€46k▼
Return on contributions (dividend)694€71k€46k▼
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €80k ▲5.8%
Operating result €112k, net result €80k, both a record.
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
01-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 1 day late
2023
31-12
Financial
Liquidity triplescurrent ratio 25.12
Current ratio from 9.08 to 25.12; short-term debt falls from €25k to €11k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €44k ▼5.5%
Net result drops to €44k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity quadruplescurrent ratio 5.19
Current ratio from 1.44 to 5.19; short-term debt falls from €93k to €26k.
31-12
Financial
Equity above €200kEq €221k ▲19.5%
3 profitable years in a row build equity to €221k.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 7 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Bonheiden · 1 establishment unit since 2014
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.
Kleine Heidelaan 12820 BonheidenGround area
2,203 m²
Building footprint
430 m²
Volume, LiDAR
2,847 m³
2 parcels, Flanders · tallest building 15.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Hoogland 1, 2800 Mechelen
since 20142.230.424.235
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12005D0133/00S000 | Flanders | 1,246 m² | 1 · 234 m² | 15.5 m · 2 fl. |
| 12402B0409/00Y002 | Flanders | 957 m² | 1 · 197 m² | 11.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 9,101 companies in sector 86210 we hold annual accounts for 6,323. 5,172 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-04-2014
Fiscal year end31-12
Activities, NACEBEL
86210General medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.