Peak Software

Active

Private limited companyfounded 201610 yrs activeMargareta van Constantinopelstr. 4, 8820 Torhout, BelgiumKBO/BCE: BE 0646.679.895

Peak Software has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €116k and a net result of €92k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 78% of 2591 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

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Checked score

Score 2025

100 / 100

Excellent▲ +32 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency100▲+72

Growth78=

Stability100

Bankruptcy probability, 12 months

0.2% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €12k at 30 days acceptable

Liquidity ample (current ratio 4.36 against 1.22 in 2024), and 22.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 62

Relative position

BE, all sectors

reference

Sector 62

lower

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

77.1%

Return on assets

61.3%

Age of the figures

8 mo

Growing equity

Equity grew over 2023-2025. Profits are largely retained rather than distributed.

NBB · annual accounts 2025

Equity per financial year

2122232425

2021 to 2025 · latest year €116k

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-05-2026, 74 days ahead of the deadline.

NBB · 9 filings

Deviation from the deadline

2025

74 d early

2024

1 d early

2023

33 d early

2022

4 d early

2021

44 d early

2020

57 d early

2019

on the day

← before the deadline after the deadline →

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 months

Position in the running window

05-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Equity

€116k▲ 388%

2024 · €24k

2021: €-59k 2022: €65k 2023: €24k 2024: €24k

2021 → 2025

Total assets

€150k▲ 15.4%

2024 · €130k

2021: €26k 2022: €140k 2023: €159k 2024: €130k

2021 → 2025

Net result

€92k▲ 10.9%

2024 · €83k

2021: €10k 2022: €127k 2023: €88k 2024: €83k

2021 → 2025

Working capital

€116k▲ 404%

2024 · €23k

2021: €-58k 2022: €67k 2023: €17k 2024: €23k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€-59k-€65k€24k▼ 63.7%€24k▲ 0.1%€116k▲ 388%

Operating result€13k-€129k▲ 894%€90k▼ 30.0%€85k▼ 5.9%€93k▲ 8.9%

Net result€10k-€127k▲ 1,142%€88k▼ 30.4%€83k▼ 6.0%€92k▲ 10.9%

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2025; 2025 is 9% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €150k

99.9%

Fixed assets €184▼ 77.6%

Current assets €150k▲ 15.9%

Equity and liabilities €150k

77.1%

22.9%

Equity €116k▲ 388%

Debt €34k▼ 67.7%

The debt ratio falls from 81.8% to 22.9%: equity grows while debt is paid down.

Key figures and ratios

2025 value · change against 2024

EBITDA

€93k▲

2024 · €86k

Cash flow

€93k▲

2024 · €84k

Solvency

77.1%▲

2024 · 18.2%

Current ratio

4.36▲

2024 · 1.22

Quick ratio

4.36▲

2024 · 1.22

Debt / equity

0.30▼

2024 · 4.48

ROE

79.5%▼

2024 · 349.4%

ROA

61.3%▼

2024 · 63.7%

Interest coverage

205.70▲

2024 · 47.62

Debt

€34k▼

2024 · €107k

Debt ≤ 1 year

€34k▼

2024 · €107k

Income taxes

€391▲

2024 · €258

Staff costs

€76k▼

2024 · €121k

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

Total assets 20/58€130k€150k▲

Fixed assets 21/28€823€184▼

Tangible fixed assets 22/27€823€184▼

Financial fixed assets 28€0-

Current assets 29/58€129k€150k▲

Amounts receivable within one year 40/41€124k€105k▼

Cash & bank 54/58€4k€44k▲

Total equity & liabilities 10/49€130k€150k▲

Equity 10/15€24k€116k▲

Contributions / capital 10/11€19k€19k=

Reserves 13€5k€97k▲

Accumulated profits (losses) 14€166€2▼

Amounts payable 17/49€107k€34k▼

Amounts payable within one year 42/48€107k€34k▼

Trade debts payable within one year 44€8k€3k▼

Income statement Code20242025

Gross operating margin 9900€208k€170k▼

Operating result 9901€85k€93k▲

Financial income 75€0€251▲

Financial charges 65€2k€454▼

Result before taxes 9903€83k€92k▲

Income taxes 67/77€258€391▲

Net result for the period 9904€83k€92k▲

Result to be appropriated 9905€83k€92k▲

Timeline · acts, filings and financial milestones

All 13Financial 4Filings 9

Next filing, fiscal year 2026, expected by 31-07-2027

2026

18-05

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

31-12

Financial Liquidity quadruplescurrent ratio 4.36

Current ratio from 1.22 to 4.36; short-term debt falls from €107k to €34k.

31-12

Financial Equity above €100kEq €116k ▲388%

5 profitable years in a row build equity to €116k.

30-07

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

2024

28-06

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema

2023

27-07

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema

2022

31-12

Financial Highest result since 2021net €127k ▲1142%

Operating result €129k, net result €127k, both a record.

31-12

Financial Liquidity times 6current ratio 1.93

Current ratio from 0.31 to 1.93; short-term debt falls from €83k to €72k.

17-06

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema

2021

04-06

NBB filing Annual accounts filed

fiscal year 2020 · abbreviated schema

2020

31-07

NBB filing Annual accounts filed

fiscal year 2019 · abbreviated schema

2019

26-08

NBB filing Annual accounts filed

fiscal year 2018 · abbreviated schema · 26 days late

2018

28-06

NBB filing Annual accounts filed

fiscal year 2017 · abbreviated schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

0 of 3 acts read

About the unread acts

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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