J. Pepermans
ActiveJ. Pepermans is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €660k and a net result of €78k. Equity is growing by ~18.4% per year across the filed fiscal years. Its solvency ranks better than 46% of 6143 sector peers (fiscal year 2024). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-07-2025, 27 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
27 d early
2023
19 d early
2022
14 d early
2021
19 d early
2020
18 d early
2019
18 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€660k▲ 13.5%
2023 · €581k
2018: €195k
2019: €271k
2020: €365k
2021: €419k
2022: €487k
2023: €581k
2018 → 2024
Net result
€78k▼ 17.2%
2023 · €94k
2018: €67k
2019: €76k
2020: €194k
2021: €54k
2022: €68k
2023: €94k
2018 → 2024
Total assets
€1.37M▲ 1.1%
2023 · €1.35M
2018: €1.32M
2019: €1.28M
2020: €1.31M
2021: €1.27M
2022: €1.26M
2023: €1.35M
2018 → 2024
Solvency
48.1%▲ 5.2pp
2023 · 42.9%
2018: 14.8%
2019: 21.2%
2020: 27.9%
2021: 33.1%
2022: 38.7%
2023: 42.9%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€365k-€419k▲ 14.8%€487k▲ 16.2%€581k▲ 19.4%€660k▲ 13.5%
Operating result€139k-€109k▼ 21.6%€71k▼ 34.9%€72k▲ 0.6%€91k▲ 26.5%
Net result€194k-€54k▼ 72.2%€68k▲ 25.4%€94k▲ 39.5%€78k▼ 17.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 26% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.37M
Fixed assets
€1.25M=
Current assets
€120k▲ 14.4%
Equity and liabilities €1.37M
Equity
€660k▲ 13.5%
Debt
€710k▼ 8.2%
The debt ratio falls from 57.1% to 51.9%: equity grows while debt is paid down.
Key figures and ratios
Solvency
48.1%▲
2023 · 42.9%
ROE
11.9%▼
2023 · 16.3%
ROA
5.7%▼
2023 · 7.0%
Debt
€710k▼
2023 · €773k
Debt ≤ 1 year
€249k▲
2023 · €229k
Debt > 1 year
€462k▼
2023 · €544k
Income taxes
€22k▲
2023 · €16k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.35M€1.37M▲
Fixed assets21/28€1.25M€1.25M=
Financial fixed assets28€1.25M€1.25M=
Current assets29/58€105k€120k▲
Amounts receivable within one year40/41€95k€120k▲
Trade receivables40€26k-
Other amounts receivable41€69k€120k▲
Cash at bank and in hand54/58€10k-
Equity and liabilities
Total equity and liabilities10/49€1.35M€1.37M▲
Equity10/15€581k€660k▲
Contributions10/11€42k€42k=
Reserves13€4k€4k=
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Profit (loss) carried forward14€535k€613k▲
Amounts payable17/49€773k€710k▼
Amounts payable after more than one year17€544k€462k▼
Financial debts170/4€544k€462k▼
Amounts payable within one year42/48€229k€249k▲
Current portion of amounts payable after more than one year42€88k€89k▲
Taxes, remuneration and social security45€26k€42k▲
Taxes450/3€26k€42k▲
Other amounts payable47/48€116k€118k▲
Accrued charges and deferred income492/3€150-
Income statement
Code20232024
Other operating charges640/8€265€293▲
Gross operating margin9900€72k€91k▲
Operating profit (loss)9901€72k€91k▲
Financial income75/76B€50k€20k▼
Recurring financial income75€50k€20k▼
Financial charges65/66B€11k€10k▼
Recurring financial charges65€11k€10k▼
Profit (loss) for the period before taxes9903€111k€100k▼
Income taxes67/77€16k€22k▲
Profit (loss) for the period9904€94k€78k▼
Profit (loss) for the period to be appropriated9905€94k€78k▼
Appropriation of the result
Profit (loss) to be appropriated9906€535k€613k▲
Profit (loss) brought forward from the previous period14P€441k€535k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €500kEq €581k ▲19.4%
6 profitable years in a row build equity to €581k.
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €54k ▼72.2%
Net result drops to €54k, the lowest in the series; recovery starts the following year.
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €194k ▲155%
Operating result €139k, net result €194k, both a record.
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €200kEq €271k ▲39%
2 profitable years in a row build equity to €271k.
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Lint · 1 establishment unit since 2016
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.
Van Asschestraat 122547 LintGround area
416 m²
Building footprint
138 m²
Volume, LiDAR
733 m³
Parcel 11025D0087/00Y002, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
J. Pepermans
since 20162.251.002.190
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11025D0087/00Y002 | Flanders | 416 m² | 1 · 138 m² | 9.6 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.
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Of 24,636 companies in sector 64210 we hold annual accounts for 19,688. 13,345 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded23-02-2016
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.