Griet Peeters
ActiveSummary
Griet Peeters has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €898k and a net result of €-49k. Equity is growing by ~8.5% per year across the filed fiscal years. Its solvency ranks better than 92% of 7750 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability12▼-1
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 54.99 against 8.25 in 2024; short-term debt: 1.5% and cash: 42.1% of total assets), and 7.5% 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 82
Relative position
BE, all sectors
reference
Sector 82
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
92.5%
Return on assets
-5%
Age of the figures
9 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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-49k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-08-2026, 10 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
10 d late
2024
31 d early
2023
29 d late
2022
21 d early
2021
34 d early
2020
16 d early
2019
32 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 31-12-2026 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
€898k▼ 5.1%
2024 · €947k
2018: €401k
2019: €520k
2020: €700k
2021: €1.17M
2022: €1.12M
2023: €1.13M
2024: €947k
2018 → 2025
Total assets
€971k▼ 14.3%
2024 · €1.13M
2018: €749k
2019: €832k
2020: €968k
2021: €1.38M
2022: €1.30M
2023: €1.22M
2024: €1.13M
2018 → 2025
Net result
€-49k▼ 1.1%
2024 · €-48k
2018: €89k
2019: €119k
2020: €180k
2021: €511k
2022: €2k
2023: €7k
2024: €-48k
2018 → 2025
Working capital
€807k▼ 5.8%
2024 · €857k
2018: €201k
2019: €351k
2020: €567k
2021: €1.09M
2022: €1.03M
2023: €1.04M
2024: €857k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.17M-€1.12M▼ 3.7%€1.13M▲ 0.6%€947k▼ 16.2%€898k▼ 5.1%
Operating result€741k-€-907€7k€-52k€-53k▼ 1.5%
Net result€511k-€2k▼ 99.6%€7k▲ 229%€-48k€-49k▼ 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 stays negative: a loss of €53k in 2025 against €52k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €971k
Fixed assets
€149k ▼ 6.1%
Current assets
€822k ▼ 15.6%
Equity and liabilities €971k
Equity
€898k ▼ 5.1%
Debt
€73k ▼ 60.9%
Debt's share of the balance-sheet total falls from 16.5% to 7.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-43k▼
2024 · €-41k
Cash flow
€-39k▼
2024 · €-37k
Current ratio
54.99▲
2024 · 8.25
Debt to equity
0.08▼
2024 · 0.20
ROE
-5.4%▼
2024 · -5.1%
ROA
-5.0%▼
2024 · -4.2%
Interest coverage
-28.42▼
2024 · -23.11
Debt ≤ 1 year
€15k▼
2024 · €118k
Debt > 1 year
€58k▼
2024 · €68k
Income taxes
€421▲
2024 · €409
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.13M€971k▼
Fixed assets21/28€158k€149k▼
Tangible fixed assets22/27€158k€149k▼
Land and buildings22€157k€148k▼
Plant, machinery and equipment23€1k€984▼
Current assets29/58€975k€822k▼
Amounts receivable within one year40/41€1k€15k▲
Trade receivables40€1k-
Other amounts receivable41-€15k
Current investments50/53€424k€398k▼
Cash at bank and in hand54/58€548k€409k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€1.13M€971k▼
Equity10/15€947k€898k▼
Contributions10/11€50k€50k=
Reserves13€897k€848k▼
Tax-exempt reserves132€19k€19k=
Distributable reserves133€878k€829k▼
Amounts payable17/49€187k€73k▼
Amounts payable after more than one year17€68k€58k▼
Financial debts170/4€68k€58k▼
Amounts payable within one year42/48€118k€15k▼
Current portion of amounts payable after more than one year42€10k€11k▲
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Taxes, remuneration and social security45€5k€464▼
Taxes450/3€5k€464▼
Other amounts payable47/48€100k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€10k▼
Other operating charges640/8€4k€4k▲
Gross operating margin9900€-38k€-39k▼
Operating profit (loss)9901€-52k€-53k▼
Financial income75/76B€6k€6k▼
Recurring financial income75€6k€6k▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€-48k€-48k▼
Income taxes67/77€409€421▲
Profit (loss) for the period9904€-48k€-49k▼
Profit (loss) for the period to be appropriated9905€-48k€-49k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-48k€-49k▼
Transfer from equity791/2€183k€49k▼
Profit to be distributed694/7€135k-
Return on contributions (dividend)694€135k-
The notes to these accounts (5 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
10-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 10 days late
2025
31-12
Financial
Weakest financial yearnet €-49k
Net result drops to €-49k, the lowest in the series.
31-12
Financial
Liquidity times 7current ratio 54.99
Current ratio from 8.25 to 54.99; short-term debt falls from €118k to €15k.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Liquidity times 6current ratio 81.23
Current ratio from 12.62 to 81.23; short-term debt falls from €89k to €13k.
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €511k ▲183%
Operating result €741k, net result €511k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 13.16
Current ratio from 6.37 to 13.16; short-term debt falls from €106k to €90k.
31-12
Financial
Equity above €1MEq €1.17M ▲66.5%
4 profitable years in a row build equity to €1.17M.
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Show earlier events
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €500kEq €520k ▲29.7%
2 profitable years in a row build equity to €520k.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 3 days late
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Schilde · 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.
Damhertenlaan 62970 SchildeGround area
618 m²
Building footprint
153 m²
Volume, LiDAR
735 m³
Parcel 11041B0363/00N000, Flanders · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Griet Peeters
since 20142.239.777.807
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11041B0363/00N000 | Flanders | 618 m² | 1 · 153 m² | 7.0 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 240 EUR awarded · 240 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 240 EUR | 240 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
9676009CNV2R934ZAS26
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TOP FINANCES
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Sint-Lambrechts-Woluwe · Eq €911k
Of 11,222 companies in sector 82100 we hold annual accounts for 3,510. 1,604 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
Founded16-01-2014
Fiscal year end31-12
Activities, NACEBEL 2025
82100Office administrative and support services
66220Insurance agents and brokers
66290Activities auxiliary to financial services and insurance activities
68203Renting and operating of own or leased non-residential real estate, excluding land
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.