Summary
Kris Peetermans is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €27,124 and a net result of €133,524. Equity is shrinking by ~31.7% per year across the filed fiscal years. Its solvency ranks better than 14% of 8745 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Financials · fiscal year 2025, micro schema
Equity
€27,124▲ 45.8%
2024 · €18,600
Net result
€133,524▼ 44.3%
2024 · €239,876
Total assets
€381,624▲ 1.4%
2024 · €376,299
Solvency
7.1%▲ 2.2pp
2024 · 4.9%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€126,849€55,287€181,588▲ 228%€316,130▲ 74.1%€175,320▼ 44.5%
Net result-€127,301below the sector's middle half€54,755within the sector's middle half€158,085above the sector's middle half▲ 189%€239,876above the sector's middle half▲ 51.7%€133,524above the sector's middle half▼ 44.3%
Equity€54,611within the sector's middle half▼ 70.0%€18,600below the sector's middle half▼ 65.9%€18,600below the sector's middle half=€18,600below the sector's middle half=€27,124below the sector's middle half▲ 45.8%
Total assets€79,883below the sector's middle half▼ 68.7%€140,657within the sector's middle half▲ 76.1%€218,735within the sector's middle half▲ 55.5%€376,299within the sector's middle half▲ 72.0%€381,624within the sector's middle half▲ 1.4%
Debt€25,273▼ 65.6%€122,057▲ 383%€200,135▲ 64.0%€357,699▲ 78.7%€354,500▼ 0.9%
Working capital€44,928within the sector's middle half▼ 73.4%€10,264within the sector's middle half▼ 77.2%€104within the sector's middle half▼ 99.0%-€37,908below the sector's middle half-€26,083below the sector's middle half▲ 31.2%
Solvency68.4%within the sector's middle half▼ 2.8pp13.2%below the sector's middle half▼ 55.1pp8.5%below the sector's middle half▼ 4.7pp4.9%below the sector's middle half▼ 3.6pp7.1%below the sector's middle half▲ 2.2pp
Current ratio6.32above the sector's middle half▲ 1.931.09within the sector's middle half▼ 5.231.00within the sector's middle half▼ 0.090.89within the sector's middle half▼ 0.110.93within the sector's middle half▲ 0.03
Return on assets (ROA)-159.4%below the sector's middle half▼ 179.4pp38.9%above the sector's middle half▲ 198.3pp72.3%above the sector's middle half▲ 33.3pp63.7%above the sector's middle half▼ 8.5pp35.0%above the sector's middle half▼ 28.8pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 45% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €381,624
Fixed assets
€53,207 ▼ 5.8%
Current assets
€328,417 ▲ 2.7%
Equity and liabilities €381,624
Equity
€27,124 ▲ 45.8%
Debt
€354,500 ▼ 0.9%
Debt's share of the balance-sheet total falls from 95.1% to 92.9%. Equity is higher and debt is lower.
Key figures and ratios
ROE
492.3%
Debt ≤ 1 year
€354,500▼
2024 · €357,699
Income taxes
€41,411▼
2024 · €75,933
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €0 | - | €99,344 | €20,093 | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11,352 | €8,252 | €8,549 | €10,491 | €14,835 | ▲ 41.4% |
| Other operating charges640/8 | €172 | €132 | €139 | €386 | €361 | ▼ 6.4% |
| Non-recurring operating charges66A | €0 | - | - | - | - | - |
| Gross operating margin9900 | -€115,324 | €63,671 | €190,276 | €327,008 | €190,517 | ▼ 41.7% |
| Operating profit (loss)9901 | -€126,849 | €55,287 | €181,588 | €316,130 | €175,320 | ▼ 44.5% |
| Financial income75/76B | - | €1 | €3 | €1 | €0 | ▼ 98.9% |
| Recurring financial income75 | - | €1 | €3 | €1 | €0 | ▼ 98.9% |
| Financial charges65/66B | €501 | €433 | €342 | €321 | €385 | ▲ 19.6% |
| Recurring financial charges65 | €501 | €433 | €342 | €321 | €385 | ▲ 19.6% |
| Profit (loss) for the period before taxes9903 | -€127,350 | €54,855 | €181,249 | €315,810 | €174,935 | ▼ 44.6% |
| Income taxes67/77 | -€49 | €100 | €23,164 | €75,933 | €41,411 | ▼ 45.5% |
| Profit (loss) for the period9904 | -€127,301 | €54,755 | €158,085 | €239,876 | €133,524 | ▼ 44.3% |
| Profit (loss) for the period to be appropriated9905 | -€127,301 | €54,755 | €158,085 | €239,876 | €133,524 | ▼ 44.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €79,883 | €140,657 | €218,735 | €376,299 | €381,624 | ▲ 1.4% |
| Fixed assets21/28 | €26,513 | €18,261 | €21,433 | €56,508 | €53,207 | ▼ 5.8% |
| Tangible fixed assets22/27 | €26,113 | €17,861 | €21,433 | €56,508 | €53,207 | ▼ 5.8% |
| Plant, machinery and equipment23 | €1,944 | €840 | €3,217 | €3,565 | €2,309 | ▼ 35.2% |
| Furniture and vehicles24 | €24,169 | €17,021 | €18,216 | €52,943 | €50,898 | ▼ 3.9% |
| Financial fixed assets28 | €400 | €400 | €0 | - | - | - |
| Current assets29/58 | €53,370 | €122,396 | €197,302 | €319,791 | €328,417 | ▲ 2.7% |
| Amounts receivable within one year40/41 | €3,942 | €12,614 | €68,461 | €180,270 | €100,384 | ▼ 44.3% |
| Trade receivables40 | €0 | €759 | €59,895 | €173,025 | €81,884 | ▼ 52.7% |
| Other amounts receivable41 | €3,942 | €11,855 | €8,566 | €7,245 | €18,500 | ▲ 155% |
| Cash at bank and in hand54/58 | €48,547 | €108,888 | €101,130 | €119,420 | €182,961 | ▲ 53.2% |
| Deferred charges and accrued income490/1 | €881 | €894 | €27,712 | €20,100 | €45,072 | ▲ 124% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €79,883 | €140,657 | €218,735 | €376,299 | €381,624 | ▲ 1.4% |
| Equity10/15 | €54,611 | €18,600 | €18,600 | €18,600 | €27,124 | ▲ 45.8% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Profit (loss) carried forward14 | €36,011 | €0 | €0 | €0 | €8,524 | - |
| Amounts payable17/49 | €25,273 | €122,057 | €200,135 | €357,699 | €354,500 | ▼ 0.9% |
| Amounts payable after more than one year17 | €16,831 | €9,925 | €2,937 | €0 | - | - |
| Financial debts170/4 | €16,831 | €9,925 | €2,937 | €0 | - | - |
| Amounts payable within one year42/48 | €8,442 | €112,132 | €197,199 | €357,699 | €354,500 | ▼ 0.9% |
| Current portion of amounts payable after more than one year42 | €6,825 | €6,906 | €6,988 | €2,937 | €0 | ▼ 100% |
| Financial debts43 | €0 | - | €1,002 | €208 | €236 | ▲ 13.7% |
| Credit institutions430/8 | €0 | - | €1,002 | €208 | €236 | ▲ 13.7% |
| Trade debts44 | €1,239 | €1,930 | €5,932 | €2,292 | €5,735 | ▲ 150% |
| Suppliers440/4 | €1,239 | €1,930 | €5,932 | €2,292 | €5,735 | ▲ 150% |
| Taxes, remuneration and social security45 | €378 | €12,531 | €17,655 | €29,848 | €12,482 | ▼ 58.2% |
| Taxes450/3 | €378 | €12,531 | €17,655 | €29,848 | €12,482 | ▼ 58.2% |
| Other amounts payable47/48 | €0 | €90,765 | €165,621 | €322,414 | €336,047 | ▲ 4.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€127,301 | €54,755 | €158,085 | €239,876 | €133,524 | ▼ 44.3% |
| + Depreciation and write-downs630 | €11,352 | €8,252 | €8,549 | €10,491 | €14,835 | ▲ 41.4% |
| Operating cash flow (approximation) | -€115,949 | €63,007 | €166,634 | €250,368 | €148,359 | ▼ 40.7% |
| Investment in fixed assets (approximation) | - | €0 | -€11,721 | -€45,566 | -€11,535 | ▲ 74.7% |
| Change in cash | - | €60,342 | -€7,759 | €18,291 | €63,541 | ▲ 247% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
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