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IPeters

Active Private limited companyfounded 2018active for 8 yearsStuivenbergstraat 15, 1755 PajottegemKBO/BCE: BE 0693.680.157

Overview

Lifetime

6 annual accounts with figures on one time axis
peak €87,404 (2022)
€84,656▲ 33.7%
lowest -€5,269 (2023)
€38,373▲ 295%
peak €95,459 (2024)
€81,784▼ 14.3%
€158,837▲ 29.2%
Board1 name since 2018
1 directorJeroen Peters
Documentsfilings and deeds
11-07-202620 days before the deadline
2025micro format
Gross margin from €63,332 to €84,656Result from €9,724 to €38,373Dividend €52,048Equity from €95,459 to €81,784Debts from €122,969 to €158,837Cash from €22,021 to €64,138

Key points

from the 2025 annual accounts

Equity

€81,784 ▼ 14.3%
95,4592024+38,373Profit-52,048Dividend81,7842025

IPeters paid out €52,048 in dividends. That is 136% of the 2025 profit.

Turnover

≈ €200,000 estimated

The micro format states no turnover.

Filings

6 annual accounts 5 late
AprilJune31 JulyOctober202020222024

The 2020 accounts came latest: 29 days after the end of the period.

Checked score

93
Excellent
Financially stronger than 41% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: 0.3% 01-2025: 0.3%● unchanged vs 12-2024 02-2025: 0.3%● unchanged vs 01-2025 03-2025: 0.3%● unchanged vs 02-2025 04-2025: 0.3%● unchanged vs 03-2025 05-2025: 0.3%● unchanged vs 04-2025 06-2025: 0.3%● unchanged vs 05-2025 07-2025: 0.3%● unchanged vs 06-2025 08-2025: 0.6%▲ +0.3 percentage points vs 07-2025highest value 09-2025: 0.1%▼ -0.5 percentage points vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: < 0.1%▼ -0.1 percentage points vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026lowest value 10-2026: < 0.1%● unchanged vs 09-2026lowest value 11-2026: < 0.1%● unchanged vs 10-2026lowest value

Financial strength
Strong

59-10equity 34.0% of total assets
72+10short-term debt 28.8% · cash 26.7%
89+19return on assets 15.9%

Score breakdown

lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Size: total assets €240,621
Liquidity: current ratio 1.17, cash €64,138
Figures for financial year 2025 (filed on 11-07-2026)
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 62, micro). It does better than 31% of them on solvency, 55% on liquidity, 52% on profitability and 28% on growth.

The bankruptcy probability was computed on 09-11-2026 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 31-12-2025.

Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% 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, 26,972 companies had the same profile as IPeters has now. Each dot stands for 68 companies, two years later.

94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
  • Micro
  • 5 to 10 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more

Another 0.1% stopped without a precise date, possibly only after those two years.

The bankruptcy probability of IPeters itself is lower: < 0.1% within 12 months. It rests on far more data about IPeters than the profile alone.

Test of the method

The method was tested on the 497,447 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.

The companies in ten equal groups, from the lowest to the highest expected share
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 26,972 companies, not a prediction for IPeters. 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

Credit of up to €7,000 on 30-day terms is acceptable

Liquidity is tight, with a current ratio of 1.17 (2.07 in 2024), below the usual 1.5. Short-term debt is 28.8% and cash 26.7% of total assets. 66% of the assets are financed with debt and provisions.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

5 signals, none raises the risk
Five signals.
lowers riskneutral
lowers risk · Sector: Computer programming, consultancy and related activities (NACE 62)
KBO
lowers risk · Size: total assets €240,621
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Liquidity: current ratio 1.17, cash €64,138
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 11-07-2026)
NBB · annual accounts
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 11-07-2026, 20 days ahead of the deadline.
NBB · 6 filings
Deviation from the deadline
2025
20 days early
2024
18 days late
2023
21 days late
2022
28 days late
2021
23 days late
2020
29 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 17 days after the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 22 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Board and ownership

JP
Director
Board & ownership

Recent changes

Registered in the Peppol Directory Reachable for e-invoices through 0208:0693680157
Change of role: Jeroen Peters, from niet statutaire zaakvoerder van gewone commanditaire vennootschap to niet statutair bestuurder van besloten vennootschap ipeters “Het verstrekken van adviezen aan ondernemingen,vennootschappen en natuurlijke en rechtspersonen op het vlak…” (deed in Dutch) · Legal-form conversion: from limited partnership to private limited company · General meeting of 15-12-2020 · Gazette deed
Incorporation Appointment: Jeroen Peters (manager) · published on 10-04-2018 · Gazette deed
First establishment Ipeters GCV, Stuivenbergstraat 15, Pajottegem
All 14 events

Comparable companies

same main activity, similar in size and age
Company
IPeters Pajottegem €240,621 €84,656 34.0% -
ACHIX Wemmel €237,411 €75,972 80.0% -
Vanessa Moretti Liedekerke €250,264 €75,190 59.3% -
TANG MAC Overijse €209,011 €98,395 9.8% -
IT SERVICE MANAGEMENT SOLUTIONS Asse €282,038 €94,290 22.7% -
FATUM Hoegaarden €207,509 €101,206 92.5% -
Technical & Human Solutions Lummen €262,621 €83,263 64.5% -

These companies have the same main activity as IPeters: computer programming (NACE 62100). They are comparable in size and age: total assets between €208,000 and €282,000, founded between 2017 and 2018.

Official details

Source: KBO
Status
Active since 16-04-2018Normal situation
Activity
Computer programmingNACE 62100and 2 others
Establishment unit
2.274.848.5521755 Pajottegem, since 28-03-2018
Financial year end
31 December
Peppol
Reachable since 21-10-2026
Company details

Annual accounts 2025

€84,656▲ 33.7%
€38,373▲ 295%
€81,784▼ 14.3%
€240,621▲ 10.2%
Filing
Filed on 11-07-2026, 20 days before the end of the filing period
Financials

Insights on IPeters

IPeters files the micro format. That format states no turnover. The gross margin rose from €39,839 in 2020 to €84,656 in 2025.

The balance sheet grew most from 2021 to 2022 through fixed assets.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

micro format, filed on 11-07-2026, 20 days before the deadline
€84,656
▲ 33.7%
€61,959
▲ 193%
€38,373
▲ 295%
€12,033
▼ 54.1%
34.0%
▼ 9.7 percentage points
1.17
▼ 0.90

Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.

Turnover ≈ €200,000. Estimated: probably between €160,000 and €250,000.

Balance sheet

balance sheet total €240,621 on 31-12-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

34.0%

Higher than 30% of 21,208 companies in 2025.

1.17

Higher than 24% of 20,571 companies in 2025.

15.9%

Higher than 46% of 20,746 companies in 2025.

IPeters Middle half of the sector 80% of the sector Micro accounts in computer programming and consultancy (NACE 62)

Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend202520242023202220212020
Balance sheet: assets
20/58 240,621218,427320,212341,732215,90161,832
21/28 159,247167,785273,558274,995159,3638,056
22/27 159,247167,785273,558274,995159,3638,056
22 137,874143,708149,541143,194147,830-
24 21,37324,077124,017131,80111,5338,056
29/58 81,37350,64246,65566,73756,53853,775
40/41 14,70226,12142,80620,06112,56328,159
40 11,90015,16824,59611,26510,84220,302
41 2,80210,95318,2118,7971,7217,857
54/58 64,13822,0211,31245,21242,09823,838
490/1 2,5332,5002,5371,4641,8761,778
Balance sheet: equity and liabilities
10/49 240,621218,427320,212341,732215,90161,832
10/15 81,78495,45985,73591,00466,51553,048
10/11 1,0001,0001,0001,0001,0001,000
13 29629618472--
132 29629618472--
14 80,48794,16284,55189,93265,51552,048
17/49 158,837122,969234,478250,728149,3868,783
17 89,49798,550152,025189,352125,117-
170/4 89,49798,550152,025189,352125,117-
42/48 69,34024,41982,45261,37724,2698,783
42 9,8949,79538,16837,1519,503-
44 -4311,3711,27317597
440/4 -4311,3711,27317597
45 10,0002428,4897,6453,311652
450/3 10,0002428,4897,6453,311652
47/48 49,44613,95034,42515,30811,2798,035
Income statement
9900 84,65663,33260,71987,40467,13039,839
630 18,92717,90639,20420,8336,2832,198
640/8 3,77124,25321,35325,96639,39916,981
9901 61,95921,17316240,60521,44720,659
75/76B 73151140314
75 73151140314
65/66B 5,1767,1694,6564,3072,3231,226
65 5,1767,1694,6564,3072,3231,226
9903 56,85514,155-4,49336,30219,12519,747
67/77 18,4824,43277611,8135,6586,437
9904 38,3739,724-5,26924,48813,46713,309
689 -11211272--
9905 38,3739,611-5,38124,41713,46713,309
Appropriation of the result
9906 132,53594,16284,55189,93265,51552,048
14P 94,16284,55189,93265,51552,048-
694/7 52,048-----
694 52,048-----
Document PDFPDFPDFPDFPDFPDF

The notes to these accounts have 8 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 11-07-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank
Financial year Type Filed Reference Document
31-12-2025 micro format 11-07-2026 2026-00296508 PDF
31-12-2024 micro format 18-08-2025 2025-00383990 PDF
31-12-2023 micro format 21-08-2024 2024-00357357 PDF
31-12-2022 micro format 28-08-2023 2023-00370788 PDF
31-12-2021 micro format 23-08-2022 2022-20307050 PDF
31-12-2020 micro format 29-08-2021 2021-57600473 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend202520242023202220212020
80,88639,07939,36661,43827,73022,857
57,30027,63033,93545,32219,75015,507
12,9393,18238,968143,375158,52026,358
42,11720,710-43,9013,11418,261-
12,03326,224-35,7985,36132,26944,992
34.0%43.7%26.8%26.6%30.8%85.8%
1.172.070.571.092.336.12
1.941.292.732.762.250.17
46.9%10.2%-6.1%26.9%20.2%25.1%
15.9%4.5%-1.6%7.2%6.2%21.5%
15.635.458.4614.2611.94-

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Investments

fixed assets acquired
Item20252024202320222021
Tangible fixed assets€12,939€3,182€38,968€143,375€158,520
€18,927€17,906€39,204€20,833€6,283

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on IPeters

The operating result for 2025 is 193% higher than in 2024 and the highest since 2020. It is the second rise in a row, after the fall in 2023.

Debt's share of the balance-sheet total rises from 56.3% to 66.0%. Equity is lower and debt is higher.

Board & ownership

Board

1 director, no change since 2021
Niet statutair bestuurder van besloten vennootschap ipeters
appointed by deed of 06-01-2021 term without a fixed end
earlier niet statutaire zaakvoerder van gewone commanditaire vennootschap, until 06-01-2021

Office holders in the KBO →

Mandates through the years

1 name, the dashed line is today
Jeroen Peters
Niet statutair bestuurder van besloten vennootschap ipeters
BoardEarlierend not dated
Mandates as a list
  • Jeroen Peters
    • Manager (not named in the articles), appointed by deed of 10-04-2018, until 06-01-2021
    • Manager (not named in the articles), appointed by deed of 10-04-2018, last mentioned in 2018
    • Niet statutair bestuurder van besloten vennootschap ipeters, appointed by deed of 06-01-2021, still in office

See the board, name and registered office on a given date →

Control

Capital

Contribution
€1,000
Source
deed of 06-01-2021

Articles of association

DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 10-04-2018 (in Dutch)
Board ruleThese rules set how the board is made up, meets and takes decisions.
1 director
deed of 06-01-2021 (in Dutch)
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Fourth Friday of May at 14:00
deed of 10-04-2018 (in Dutch)
Dissolution ruleThe articles set when and by whom the company can be dissolved.
“4-meerderheid van stemmen”
deed of 10-04-2018 (in Dutch)
Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
“Verslag vereffenaar,verslag commissaris ter verificatie,goedkeuring vereffeningsrekening,kwijting,sluiting, vereffenaar gekozen door…”
deed of 10-04-2018 (in Dutch)

Network & group

No group

IPeters has no parent and no holdings in its annual accounts. Jeroen Peters is the only director. IPeters shares no director with another company.

Timeline

Timeline

14 events since 2018

Deadline for the 2026 accounts: 31-07-2027

2026
Registered in the Peppol Directory Reachable for e-invoices through 0208:0693680157
Annual accounts 2025 filed NBBmicro format · 20 days before the deadline
2025
Highest result from 2020 to 2025 net €38,373 ▲295% The operating result of €61,959 and the net result of €38,373 are both a record.
Annual accounts 2024 filed PDFmicro format · 18 days late
2024
Back to profit net €9,724 The net result is €9,724, after one loss-making year.
Liquidity more than triples current ratio 2.07 The current ratio rises from 0.57 to 2.07. Short-term debt falls from €82,452 to €24,419.
Annual accounts 2023 filed PDFmicro format · 21 days late
2023
Weakest financial year net -€5,269 The net result drops to -€5,269, the lowest from 2020 to 2025. It recovers the following year.
Annual accounts 2022 filed PDFmicro format · 28 days late
2022
Annual accounts 2021 filed PDFmicro format · 23 days late
2021
Annual accounts 2020 filed PDFmicro format · 29 days late
Change of role: Jeroen Peters, from niet statutaire zaakvoerder van gewone commanditaire vennootschap to niet statutair bestuurder van besloten vennootschap ipeters“Het verstrekken van adviezen aan ondernemingen,vennootschappen en natuurlijke en rechtspersonen op het vlak…” (deed in Dutch) · Legal-form conversion: from limited partnership to private limited company · General meeting of 15-12-20207 points ▸
  • General meeting, 15-12-2020
  • Legal-form conversion, from limited partnership to private limited company
  • Accounting effect, 30-09-2020
  • Purpose change, “Het verstrekken van adviezen aan ondernemingen,vennootschappen en natuurlijke en rechtspersonen op het vlak van planning,organisatie,efficiëntie en toezicht,het…” (deed in Dutch)
  • Director resignation, Jeroen Peters (niet statutaire zaakvoerder van gewone commanditaire vennootschap)
  • Director appointment, Jeroen Peters (niet statutair bestuurder van besloten vennootschap ipeters)
  • Power of attorney, Dirk Van Den Haute
  • The deed holds 11 more points.

Open the deed in the Belgian Official Gazette

2018
IncorporationAppointment: Jeroen Peters (manager) · published on 10-04-20181 point ▸
  • Director appointment, Jeroen Peters (manager (not named in the articles))
  • The deed holds 1 more point.

Open the deed in the Belgian Official Gazette

First establishment Ipeters GCV, Stuivenbergstraat 15, Pajottegem

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

IPeters was incorporated on 16 April 2018.1 Jeroen Peters is niet statutair bestuurder van besloten vennootschap ipeters of the company, appointed by deed of 06-01-2021.2 Total assets rose from €61,832 in 2020 to €240,621 in 2025.3

  1. 1KBO register
  2. 2Belgian Official Gazette, 06-01-2021
  3. 3National Bank, annual accounts 2020 and 2025

Company details

Identity

Enterprise number
0693.680.157
VAT number
BE 0693.680.157
Peppol ID
0208:0693680157
Legal form
Private limited company
Status
Active, normal situation
Founded
16-04-2018
Financial year
ends on 31 December
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Fourth Friday of May at 14:00
deed of 10-04-2018 (in Dutch)
Peppol
Reachable since 21-10-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
IPeters in Dutch
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 10-04-2018 (in Dutch)
Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Stuivenbergstraat 15 te 1755 Gooik”
deed of 10-04-2018 (in Dutch)

Activities

NACEBEL 2025
62100 Computer programming main activity
Codes under NACEBEL 2008
62010 Computer programming, consultancy and related activities main activity
62020 IT consultancy
62030 Computer programming, consultancy and related activities
63110 Computing infrastructure, data processing, hosting and other information service activities
PurposeThe purpose describes the activities the company may carry out under its articles.
“Het verstrekken van adviezen aan ondernemingen,vennootschappen en natuurlijke en rechtspersonen op het vlak van…”
12 activities
  1. Het verstrekken van adviezen aan ondernemingen,vennootschappen en natuurlijke en rechtspersonen op het vlak van planning,organisatie,efficiëntie en toezicht,het verschaffen van informatie aan de bedrijfsleiding en het verzorgen en organiseren van financiële communicatie.
  2. Groothandel in computers,randapparatuur en software:
  3. Kleinhandel in computers,randapparatuur en software.
  4. Aanverwante activiteiten.
  5. Ontwerpen en programmeren van computerprogramma's,computerconsultancy-activiteiten en
  6. Dienstverlenende activiteiten op het gebied van informatie.
  7. Uitbesteden van IT-projecten aan andere ondernemingen.
  8. Verhuren van IT infrastructuur en computerzalen.
  9. Reparatie van computers,communicatieapparatuur,randapparatuur en consumentenartikelen.
  10. Ontwikkelen en plaatsen van informatica-,domotica-,telematica-,telecommuniatie- en elektrische installaties.
  11. Studiebureau voor het verstrekken van elke vorm van raad,kennis,begeleiding en advies in het kader van informatica,domotica,telematica,telecommunicatie en dergelijke,alsook het uitlenen van diensten en vakkundige personen,alsook het verhuren,verkopen,ter beschikking stellen van de in haar bezit zijnde onroerende en roerende goederen.
  12. Het organiseren van opleidingssessies en vormingen met betrekking tot de hiervoor genoemde activiteiten.
deed of 10-04-2018 (in Dutch)

Registered office and establishments

1 establishment
Establishment Since Unit number
Ipeters GCV registered office Stuivenbergstraat 15, 1755 Pajottegem 28-03-2018 2.274.848.552

Buildings and parcels at the address

Ground area
766 m²
Buildings
180 m²
Volume, LiDAR
1,151 m³
Tallest building
10.0 m
Buildings to scale, each on its own parcel
180 m², 10.0 m 180 m², 10.0 m

Location

registered office establishment The establishment unit on the map

Parcels

Cadastral parcelArea Buildings Height / floors
23024A0340/00B002766 m² 1 · 180 m² 10.0 m · 2