JOHN PEPERMANS
ActiveJOHN PEPERMANS has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €277k and a net result of €-12k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 27% of 12675 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability17▲+2
Solvency55▼-1
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity tight (current ratio 1.43 against 1.44 in 2024; short-term debt: 70.1% and cash: 0.3% of total assets), and 70.1% 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+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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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 €-12k
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 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
60 d early
2024
98 d early
2023
118 d early
2022
119 d early
2021
97 d early
2020
92 d early
2019
94 d early
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€277k▼ 4.0%
2024 · €288k
2018: €294k
2019: €288k
2020: €257k
2021: €268k
2022: €316k
2023: €319k
2024: €288k
2018 → 2025
Total assets
€924k▼ 1.7%
2024 · €939k
2018: €294k
2019: €394k
2020: €360k
2021: €370k
2022: €329k
2023: €325k
2024: €939k
2018 → 2025
Net result
€-12k▲ 62.2%
2024 · €-30k
2018: €6k
2019: €-6k
2020: €-31k
2021: €11k
2022: €48k
2023: €3k
2024: €-30k
2018 → 2025
Working capital
€277k▼ 3.9%
2024 · €288k
2018: €272k
2019: €267k
2020: €237k
2021: €248k
2022: €295k
2023: €298k
2024: €288k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€268k-€316k▲ 18.1%€319k▲ 0.9%€288k▼ 9.6%€277k▼ 4.0%
Operating result€-6k-€-5k▲ 14.2%€-10k▼ 79.3%€-11k▼ 12.8%€-8k▲ 29.0%
Net result€11k-€48k▲ 352%€3k▼ 94.3%€-30k€-12k▲ 62.2%
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 €8k in 2025 against €11k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €924k
Equity
€277k▼ 4.0%
Debt
€647k▼ 0.6%
The debt ratio rises from 69.3% to 70.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-7k▲
2024 · €-10k
Cash flow
€-11k▲
2024 · €-30k
Solvency
29.9%▼
2024 · 30.7%
Current ratio
1.43▼
2024 · 1.44
Quick ratio
1.43▼
2024 · 1.44
Debt / equity
2.34▲
2024 · 2.26
ROE
-4.2%▲
2024 · -10.6%
ROA
-1.2%▲
2024 · -3.2%
Interest coverage
-0.44▼
2024 · -0.26
Debt
€647k▼
2024 · €651k
Debt ≤ 1 year
€647k▼
2024 · €651k
Income taxes
€1k▲
2024 · €1k
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€939k€924k▼
Fixed assets21/28€354€0▼
Tangible fixed assets22/27€354€0▼
Furniture and vehicles24€354€0▼
Current assets29/58€939k€924k▼
Amounts receivable within one year40/41€1k€2k▲
Other amounts receivable41€1k€2k▲
Current investments50/53€931k€919k▼
Cash at bank and in hand54/58€7k€3k▼
Equity and liabilities
Total equity and liabilities10/49€939k€924k▼
Equity10/15€288k€277k▼
Contributions10/11€19k€19k=
Reserves13€56k€56k=
Distributable reserves133€56k€56k=
Profit (loss) carried forward14€214k€202k▼
Amounts payable17/49€651k€647k▼
Amounts payable within one year42/48€651k€647k▼
Trade debts44€609€713▲
Suppliers440/4€609€713▲
Other amounts payable47/48€651k€647k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€466€354▼
Other operating charges640/8€505€520▲
Gross operating margin9900€-10k€-7k▲
Operating profit (loss)9901€-11k€-8k▲
Financial income75/76B€22k€14k▼
Recurring financial income75€22k€14k▼
Financial charges65/66B€40k€17k▼
Recurring financial charges65€40k€17k▼
Profit (loss) for the period before taxes9903€-29k€-10k▲
Income taxes67/77€1k€1k▲
Profit (loss) for the period9904€-30k€-12k▲
Profit (loss) for the period to be appropriated9905€-30k€-12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€214k€202k▼
Profit (loss) brought forward from the previous period14P€244k€214k▼
The notes to these accounts (4 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
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €48k ▲352%
Net result €48k, the highest in the series.
31-12
Financial
Liquidity times 7current ratio 23.50
Current ratio from 3.40 to 23.50; short-term debt falls from €103k to €13k.
25-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €11k
Net result €11k after 2 loss-making years.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-31k
Net result drops to €-31k, the lowest in the series; recovery starts the following year.
28-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
17-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-04
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, Antwerpen · 1 establishment unit since 1994
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.
Ryckmansstraat 232020 AntwerpenGround area
256 m²
Building footprint
123 m²
Volume, LiDAR
1,126 m³
Parcel 11809I2113/00E003, Flanders · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Ryckmansstraat 23, 2020 Antwerpen
since 19942.224.236.328
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11809I2113/00E003 | Flanders | 256 m² | 1 · 123 m² | 10.9 m · 3 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.
Recognitions · licences · registrations
Legal Entity Identifier
529900MJPE66YTROO117
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Cabinet d'avocat Marc GILSON
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Of 22,051 companies in sector 69101 we hold annual accounts for 9,053. 6,866 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-12-1994
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.