Equity
-€1.3m
Debts exceed assets in financial year 2025.
GAEL PELTZER
Lifetime
19 annual accounts with figures on one time axis, 22 filings since 2004Gross marginpeak €96,272 (2008)
-€8,469▼ €33,718
Resultlowest -€1.0m (2018)
-€9,433▼ €27,299
Equitypeak €168,716 (2007)
-€1.3m▼ €9,433
Debts
€1.1m▲ 1.2%
Board1 name since 2021
1 directorPELTZER GAEL
Owners
Documentsfilings and deeds
27-04-20263 days before the deadline
2025financial year
Gross margin from €25,249 to -€8,469Loss of €9,433Cash from €1,070 to €81
Key points
from the 2025 annual accountsDebts
€1.1m 9,285% of the balance sheet
Financial debts 0%Suppliers 2%Other 97%
Of this, €1.1m falls due within a year.
Position in the sector
-11418.5%
Lower solvency than 95% of companies in real estate. Sector median 38.2% · 5,803 companies.
Checked score
53
Fair
Financially stronger than 14% of micro companies in real estate (NACE 68)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,627 companies (NACE 68, micro).
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.5%
01-2025: 0.5%● unchanged vs 12-2024
02-2025: 0.5%● unchanged vs 01-2025
03-2025: 0.5%● unchanged vs 02-2025
04-2025: 0.5%● unchanged vs 03-2025
05-2025: 0.3%▼ -0.2 percentage points vs 04-2025
06-2025: 0.3%● unchanged vs 05-2025
07-2025: 0.3%● unchanged vs 06-2025
08-2025: 0.3%● unchanged vs 07-2025
09-2025: 0.3%● unchanged vs 08-2025
10-2025: 0.3%● unchanged vs 09-2025lowest value
11-2025: 0.3%● unchanged vs 10-2025lowest value
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.3%● unchanged vs 12-2025
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.4%▲ +0.1 percentage points vs 03-2026
05-2026: 0.6%▲ +0.2 percentage points vs 04-2026
06-2026: 0.8%▲ +0.2 percentage points vs 05-2026highest value
07-2026: 0.8%● unchanged vs 06-2026highest value
08-2026: 0.8%● unchanged vs 07-2026highest value
09-2026: 0.8%● unchanged vs 08-2026highest value
10-2026: 0.8%● unchanged vs 09-2026
11-2026: 0.8%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Loss of €9,433 (financial year 2025)
Negative equity -€1.3m
Liquidity: current ratio 0.01, cash €81, halved
lowers risk
Size: total assets €11,427
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 5% of them on solvency, 4% on liquidity, 4% on profitability and 42% on growth.
The bankruptcy probability was computed on 05-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-09-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,619 companies had the same profile as GAEL PELTZER has now. Each dot stands for 17 companies, two years later.
84.5%
were still trading
10.0%
stopped another way
4.5%
went bankrupt
Another 1.0% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of GAEL PELTZER itself is lower: 0.8% within 12 months. It rests on far more data about GAEL PELTZER than the profile alone.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,619 companies, not a prediction for GAEL PELTZER. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.01 (0.01 in 2024), below 1. Cash is 0.7% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year -€1.3m
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-04-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 days early
2024
33 days early
2023
on the day
2022
2 days early
2021
2 days early
2020
8 days early
2019
63 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 16 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 28 April (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end06-11-2026 today30-04-2027 deadline
Board and ownership
PG
PELTZER GAEL
Director
- Gaël Peltzer 100%annual accounts 30-06-2017
Recent changes
First establishment
GAEL PELTZER SPRL, Rue du Mont-Garni 6, Saint-Ghislain
Incorporation
published on 10-04-2003 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| GAEL PELTZER Saint-Ghislain | €11,427 | -€8,469 | -11418.5% | - |
| Park Immo Charleroi | €12,689 | -€9,434 | -469.3% | - |
| HOME-FACILITIES Mouscron | €10,375 | -€13,526 | -178.5% | - |
| A KEYSTONE Ottignies-Louvain-la-Neuve | €11,039 | -€619 | -120.5% | - |
| FLASH IMMO Boom | €11,335 | -€3,647 | -1760.7% | - |
| XAGA Merchtem | €13,092 | -€168 | 100.0% | - |
| CARPE DIEM Huy | €13,540 | -€5,931 | 66.8% | - |
These companies have the same main activity as GAEL PELTZER: real estate agency activities (NACE 68310). They are comparable in size and age: total assets between €10,400 and €13,500, founded between 2002 and 2005.
Official details
Source: KBO- Status
- Active since 02-04-2003Normal situation
- Activity
- Real estate agency activitiesNACE 68310
- Establishment unit
- 2.131.963.3947331 Saint-Ghislain, since 15-05-2003
- Financial year end
- 30 September
- Peppol
- Reachable
Annual accounts to 30-09-2025
- Total assets
- €11,427▲ 34.1%
- Filing
- Filed on 27-04-2026, 3 days before the end of the filing period
Insights on GAEL PELTZER
Solvency rose in 2025 from -15204.6% to -11418.5%.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about GAEL PELTZER
- What is the company number of GAEL PELTZER?
- The company number of GAEL PELTZER is 0479.919.871. The VAT number is the same number with BE in front: BE 0479.919.871.
- Where is GAEL PELTZER based?
- The registered office is at Rue du Mont-Garni 6, 7331 Saint-Ghislain.Company details
- What does GAEL PELTZER do?
- According to the KBO register, the main activity is real estate agency activities (NACE 68310).
- What is the legal form of GAEL PELTZER?
- GAEL PELTZER is a private limited company (pre-2019) (BVBA).
- When was GAEL PELTZER founded?
- GAEL PELTZER was founded on 02-04-2003.
- Is GAEL PELTZER still active?
- Yes, GAEL PELTZER is an active enterprise in the KBO register.
- What is the turnover of GAEL PELTZER?
- The annual accounts for financial year 2025 state no turnover.Financials
- Is GAEL PELTZER profitable?
- In financial year 2025, GAEL PELTZER made a loss of €9,433.
- Where can I find the annual accounts of GAEL PELTZER?
- GAEL PELTZER filed 22 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of GAEL PELTZER due?
- GAEL PELTZER must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
Next steps
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