Peach.ELD
ActiveSummary
Peach.ELD has been active since 1995 and the Belgian Official Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €289,462 and a net result of €4,523. Equity shrank by about 3.7% per year on average since 2019. In 2026 it rose by 1.6%. Its solvency ranks better than 67% of 344 sector peers (NACE 68, financial year 2026). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 30-03-1995 Normal situation
- Activity
- Renting and operating of own or leased residential real estate, excluding social housing NACE 68201and 1 other
- Joint committee
- 149.04 Metal trade · annual accounts 30-06-2022
- Establishment unit
- 2.071.429.555 3000 Leuven, since 30-06-2000
- Financial year end
- 30 June
- Peppol
- Reachable since 14-03-2026
Board and ownership
- Luc FrederickxChair
- Elena UshakovaDirector · since 31-07-2023
- Daniella FrederickxDirector · since 31-07-2023
- Dokter Ushakova,huisarts84%· score 902025 annual accounts of Dokter Ushakova,huisarts
- LURA16%· score 962025 annual accounts of LURA
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.1%
- Gross margin
- €45,600
- ▲ 18.7%
- Turnover
- ≈ €74,000
- estimated
- Profit
- €4,523
- ▼ 29.0%
- Equity
- €289,462
- ▲ 1.6%
- Total assets
- €479,030
- ▼ 1.8%
- Staff
- ≈ 0 FTE
- estimated
Score breakdownlowers riskSize: total assets €479,030Figures for financial year 2026 (filed on 01-10-2026)Legal form: public limited companyFounded in 1995Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 68, micro). It does better than 71% of them on solvency, 39% on liquidity, 45% on profitability and 51% on growth.
The bankruptcy probability was computed on 04-11-2026 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 30-06-2026.
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).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 7 accounts on average 60 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2026, abbreviated format
Annual accounts 2026 filed on 30-09-2026 at the NBB all 31 filings
Every figure per financial year
The operating result for 2026 is 58% higher than in 2025. It is a recovery after the fall in 2025.
Turnover and EBIT margin are not published. The abbreviated or micro format does not require them. The turnover shown is an estimate from the gross margin.
Securities and guarantees
| Item | 30-06-2022 | 30-06-2023 | 30-06-2024 | 30-06-2025 | 30-06-2026 |
|---|---|---|---|---|---|
| Mortgages, amount registered | - | €123,947 | - | - | - |
| Carrying value of the mortgaged assets | - | €106,108 | - | - | - |
Source: notes to the 2022 to 2026 annual accounts (statement of debts and off-balance-sheet rights and commitments)
Investments
| Item | 30-06-2022 | 30-06-2023 | 30-06-2024 | 30-06-2025 | 30-06-2026 |
|---|---|---|---|---|---|
| Tangible fixed assets | - | €2,094 | €34,803 | €5,811 | - |
| Financial fixed assets | - | - | - | - | €0 |
| Depreciation and write-downs of the year | €18,261 | €18,325 | €19,831 | €22,725 | €22,849 |
Source: notes to the 2022 to 2026 annual accounts (statement of fixed assets)
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | - | - | - | - | €180 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €17,681 | €18,375 | €18,261 | €18,261 | €18,325 | €19,831 | €22,725 | €22,849 | ▲ 0.5% |
| Other operating charges640/8 | €2,384 | €2,843 | - | €2,856 | €3,131 | €3,921 | €6,025 | €7,257 | ▲ 20.5% |
| Gross operating margin9900 | €11,377 | €19,084 | €15,375 | €21,685 | €22,899 | €46,288 | €38,419 | €45,600 | ▲ 18.7% |
| Operating profit (loss)9901 | -€8,688 | -€2,134 | -€5,674 | €568 | €1,442 | €22,535 | €9,669 | €15,314 | ▲ 58.4% |
| Financial income75/76B | €2,647 | - | - | - | €59 | €5 | €0 | €1 | - |
| Recurring financial income75 | €2,647 | - | - | - | €59 | €5 | €0 | €1 | - |
| Financial charges65/66B | €3,725 | €3,685 | - | €2,589 | €3,640 | €1,650 | €893 | €9,006 | ▲ 909% |
| Recurring financial charges65 | €3,725 | €3,685 | €3,241 | €2,589 | €3,640 | €1,650 | €893 | €9,006 | ▲ 909% |
| Profit (loss) for the period before taxes9903 | -€9,766 | -€5,819 | -€8,914 | -€2,021 | -€2,139 | €20,890 | €8,776 | €6,308 | ▼ 28.1% |
| Transfer from deferred taxes780 | €10,857 | €10,857 | - | €2,710 | €2,947 | €2,947 | €2,947 | €2,947 | = |
| Income taxes67/77 | €252 | €252 | €519 | €2,366 | €2,326 | €8,581 | €5,349 | €4,732 | ▼ 11.5% |
| Profit (loss) for the period9904 | €839 | €4,786 | -€6,723 | -€1,677 | -€1,518 | €15,256 | €6,373 | €4,523 | ▼ 29.0% |
| Transfer from tax-exempt reserves789 | - | - | - | €8,146 | €8,840 | €8,840 | €8,840 | €8,840 | = |
| Profit (loss) for the period to be appropriated9905 | €839 | €4,786 | €1,423 | €6,469 | €7,323 | €24,097 | €15,214 | €13,364 | ▼ 12.2% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €609,587 | €532,982 | €513,800 | €496,876 | €475,722 | €513,403 | €487,907 | €479,030 | ▼ 1.8% |
| Fixed assets21/28 | €538,316 | €526,114 | €507,853 | €489,592 | €473,360 | €488,332 | €471,418 | €448,569 | ▼ 4.8% |
| Tangible fixed assets22/27 | €538,316 | €526,114 | €507,853 | €489,592 | €473,360 | €488,332 | €471,418 | €448,569 | ▼ 4.8% |
| Land and buildings22 | €532,589 | €515,786 | - | €481,839 | €464,865 | €459,636 | €442,236 | €424,837 | ▼ 3.9% |
| Plant, machinery and equipment23 | €5,727 | €10,328 | - | €7,754 | €8,495 | €26,037 | €27,004 | €22,036 | ▼ 18.4% |
| Furniture and vehicles24 | - | - | - | - | - | €2,659 | €2,178 | €1,697 | ▼ 22.1% |
| Current assets29/58 | €71,271 | €6,868 | €5,947 | €7,284 | €2,361 | €25,071 | €16,489 | €30,460 | ▲ 84.7% |
| Amounts receivable within one year40/41 | €63,185 | €4,428 | - | - | €90 | €9,075 | €487 | €268 | ▼ 44.9% |
| Trade receivables40 | €185 | €2,603 | - | - | €90 | €9,075 | €487 | €0 | ▼ 100% |
| Other amounts receivable41 | €63,000 | €1,825 | - | - | - | - | - | €268 | - |
| Cash at bank and in hand54/58 | €8,086 | €2,440 | €5,947 | €7,284 | €2,271 | €13,312 | €14,322 | €27,481 | ▲ 91.9% |
| Deferred charges and accrued income490/1 | - | - | - | - | - | €2,684 | €1,680 | €2,712 | ▲ 61.4% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €609,587 | €532,982 | €513,800 | €496,876 | €475,722 | €513,403 | €487,907 | €479,030 | ▼ 1.8% |
| Equity10/15 | €376,588 | €373,227 | €366,504 | €364,827 | €363,309 | €278,566 | €284,939 | €289,462 | ▲ 1.6% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | €62,000 | €62,000 | - | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Issued capital100 | €62,000 | €62,000 | - | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Reserves13 | €285,040 | €276,895 | €268,748 | €260,602 | €301,309 | €216,566 | €222,939 | €227,462 | ▲ 2.0% |
| Non-distributable reserves130/1 | - | €6,200 | - | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Legal reserve130 | €6,200 | €6,200 | - | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Tax-exempt reserves132 | €188,972 | €180,827 | - | €164,534 | €155,693 | €146,853 | €138,012 | €129,172 | ▼ 6.4% |
| Distributable reserves133 | €89,868 | €89,868 | - | €89,868 | €139,416 | €63,513 | €78,727 | €92,090 | ▲ 17.0% |
| Profit (loss) carried forward14 | €29,548 | €34,332 | €35,756 | €42,225 | - | - | €0 | - | - |
| Provisions and deferred taxes16 | €63,414 | €60,704 | €57,994 | €55,283 | €52,336 | €49,390 | €46,443 | €43,496 | ▼ 6.3% |
| Deferred taxes168 | €63,414 | €60,704 | - | €55,283 | €52,336 | €49,390 | €46,443 | €43,496 | ▼ 6.3% |
| Amounts payable17/49 | €169,585 | €99,051 | €89,303 | €76,766 | €60,076 | €185,448 | €156,525 | €146,072 | ▼ 6.7% |
| Amounts payable after more than one year17 | €60,000 | €50,001 | €40,000 | €30,000 | €20,001 | €10,001 | €0 | - | - |
| Financial debts170/4 | €60,000 | €50,001 | - | €30,000 | €20,001 | €10,001 | €0 | - | - |
| Amounts payable within one year42/48 | €109,585 | €46,282 | €49,302 | €46,765 | €40,076 | €174,408 | €155,486 | €144,979 | ▼ 6.8% |
| Current portion of amounts payable after more than one year42 | €10,000 | €18,000 | - | €18,000 | €10,030 | €10,030 | €10,001 | €0 | ▼ 100% |
| Trade debts44 | €11,179 | €1,530 | €4,332 | €2,994 | €3,131 | €3,804 | €3,664 | €5,212 | ▲ 42.2% |
| Suppliers440/4 | €11,179 | €1,530 | - | €2,994 | €3,131 | €3,804 | €3,664 | €5,212 | ▲ 42.2% |
| Taxes, remuneration and social security45 | €3,588 | €504 | - | €2,619 | €2,578 | €5,104 | €1,496 | €3,812 | ▲ 155% |
| Taxes450/3 | €3,588 | €504 | - | €2,619 | €2,578 | €5,104 | €1,496 | €3,812 | ▲ 155% |
| Other amounts payable47/48 | €84,818 | €26,248 | - | €23,153 | €24,336 | €155,471 | €140,326 | €135,955 | ▼ 3.1% |
| Accrued charges and deferred income492/3 | - | €2,768 | - | - | - | €1,039 | €1,039 | €1,093 | ▲ 5.2% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €839 | €4,786 | -€6,723 | -€1,677 | -€1,518 | €15,256 | €6,373 | €4,523 | ▼ 29.0% |
| + Depreciation and write-downs630 | €17,681 | €18,375 | €18,261 | €18,261 | €18,325 | €19,831 | €22,725 | €22,849 | ▲ 0.5% |
| Operating cash flow (approximation) | €18,520 | €23,161 | €11,538 | €16,584 | €16,808 | €35,087 | €29,098 | €27,372 | ▼ 5.9% |
| Investment in fixed assets (approximation) | - | -€6,173 | €0 | €0 | -€2,094 | -€34,803 | -€5,811 | €0 | - |
| Change in cash | - | -€5,646 | €3,507 | €1,336 | -€5,012 | €11,040 | €1,010 | €13,159 | ▲ 13× |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 14,766 companies had the same profile as Peach.ELD has now. Two years later, 96.2% were still going and 0.2% had gone bankrupt.
- Small
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Peach.ELD itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,446 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.
| 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 14,766 companies, not a prediction for Peach.ELD. 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.
Latest 10 of 31 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 30-06-2026 | abbreviated format | 30-09-2026 | 2026-00536412 | |
| 30-06-2025 | micro format | 30-09-2025 | 2025-00518176 | |
| 30-06-2024 | micro format | 25-10-2024 | 2024-00514514 | |
| 30-06-2023 | micro format | 28-11-2023 | 2023-00518480 | |
| 30-06-2022 | micro format | 31-01-2023 | 2023-00021836 | |
| 30-06-2021 | micro format | 26-01-2022 | 2022-02100421 | |
| 30-06-2020 | abbreviated format | 27-01-2021 | 2021-02600275 | |
| 30-06-2019 | abbreviated format | 28-01-2020 | 2020-02500593 | |
| 30-06-2018 | abbreviated format | 03-12-2018 | 2018-73500359 | |
| 30-06-2017 | abbreviated format | 12-12-2017 | 2017-71600324 |
Board & ownership
Directors
Board 3
Day-to-day management 1
Owners and capital
Shareholders
2 ownersChain of control
- Dokter Ushakova,huisarts
- Peach.ELD
Owners 2
- Dokter Ushakova,huisartsparentEquity €313,011 Profit of €61,624 in 2025 (profit of €145,443 in 2024) Checked score 9084%
- Sourceaccounts LURA 2025Equity €292,153 Profit of €15,400 in 2025 (profit of €23,933 in 2024) Checked score 9616%
Owners through the years 2023 to 2025
| Name | 2023 | 2024 | 2025 |
|---|---|---|---|
| Dokter Ushakova,huisarts | 84% | ||
| LURA | 16% | ||
Source: lists of holdings in the owners' accounts
Capital transactions
- 12-12-2023 Capital stated in the deed · €62,000 · 2,500 shares
Mandate history
- Board
- Day-to-day management
- mandate already running before its first mention
| Name | Functions and periods |
|---|---|
| Daniella Frederickx |
|
| Elena Ushakova |
|
| Luc Frederickx |
|
| A SUPPORTING COMPANY |
|
| Peter Van Mol |
|
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Bestuur, herstemming tussen twee meeste stemmen;oudste verkozen bij staking”
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Alle procedure- en expertisekosten voor helft ten laste van overdrager en andere helft ten laste van koper(s), naar evenredigheid met door…”
Articles of association, deed of 12-12-2023 (in Dutch)
Network & group
Connections & network
0 connected companies, 1 earlier tieThe connected companies are in the list below.
Timeline
Deeds, filings and financial milestones
12-12
Gazette deed
Company renamed from CTI to Peach.ELDRegistered office moved to Leuven Blijde Inkomstraat · New registered office: 3000 Leuven Blijde Inkomstraat 80/204 · Reappointments: Peter Van Mol (director) and A Supporting Company (director)12 points ▸
- General meeting, 30-11-2023
- Registered-office move, 3000 Leuven Blijde Inkomstraat 80/204
- Name change, Peach.ELD
- Purpose change, “Het verstrekken van adviezen en het verlenen van administratieve en/of technische bijstand aan bedrijven,verenigingen,particulieren,openbare instanties en…” (deed in Dutch)
- Capital, €62,000, 2,500 shares, mentioned twice in the deed
- Director reappointment, Peter Van Mol
- Director reappointment, A Supporting Company
- Permanent representative, Luc Martens, mentioned twice in the deed
- Director resignation, Peter Van Mol
- Director resignation, A Supporting Company
- Director appointment, Luc Frederickx
- Director appointment, Elena Ushakova
- The deed holds 10 more points.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
6 activities
- 1. Algemeen en financieel management, planning, strategie, organisatie, efficiëntie en toezicht, het verschaffen van informatie aan bedrijfsleiding, enz.
- 2. Fusies en overnames
- 3. Strategie en bedrijfsontwikkeling
- 4. Marketing en public relations
- 5. Allerhande financieel, strategisch en management advies
- 6. Het geven van opleidingen
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 24502B0370/00L002 | Flanders | 408 m² | 1 · 387 m² | 15.5 m · 4 |