PEB-Conseil
ActiveSummary
PEB-Conseil has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €370k and a net result of €38k. Equity is growing by ~11.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 2015 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability88▼-2
Solvency100=
Growth65▲+1
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 25.95 against 5.8 in 2024; short-term debt: 1.5% and cash: 6.5% of total assets), and 1.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 71
Relative position
BE, all sectors
reference
Architectural and engineering activities; technical testing and analysis (NACE 71)
about 56% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
98.5%
Return on assets
10.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
20 d late
2024
54 d late
2023
28 d late
2022
60 d late
2021
9 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€132k▲ 3.8%
2024 · €127k
2021: €123k
2022: €92k▼ -25.4% vs 2021lowest in 5 years
2023: €127k▲ +37.5% vs 2022
2024: €127k▲ +0.6% vs 2023
2025: €132k▲ +3.8% vs 2024highest in 5 years
2021 → 2025
EBIT margin
43.0%▼ 7.6pp
2024 · 50.7%
2021: 33.3%
2022: 33.1%▼ -0.5% vs 2021
2023: 28.2%▼ -15.0% vs 2022lowest in 5 years
2024: 50.7%▲ +79.8% vs 2023highest in 5 years
2025: 43.0%▼ -15.0% vs 2024
2021 → 2025
Net result
€38k▼ 12.5%
2024 · €44k
2021: €27k
2022: €21k▼ -21.2% vs 2021lowest in 5 years
2023: €24k▲ +11.0% vs 2022
2024: €44k▲ +85.0% vs 2023highest in 5 years
2025: €38k▼ -12.5% vs 2024
2021 → 2025
Working capital
€140k▲ 41.3%
2024 · €99k
2021: €32k
2022: €28k▼ -12.9% vs 2021lowest in 5 years
2023: €53k▲ +87.3% vs 2022
2024: €99k▲ +88.2% vs 2023
2025: €140k▲ +41.3% vs 2024highest in 5 years
2021 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€123k-€92k▼ 25.4%€127k▲ 37.5%€127k▲ 0.6%€132k▲ 3.8%
2021: €123k
2022: €92k▼ -25.4% vs 2021lowest in 5 years
2023: €127k▲ +37.5% vs 2022
2024: €127k▲ +0.6% vs 2023
2025: €132k▲ +3.8% vs 2024highest in 5 years
Equity€243k-€264k▲ 8.8%€288k▲ 9.0%€332k▲ 15.2%€370k▲ 11.5%
2021: €243klowest in 5 years
2022: €264k▲ +8.8% vs 2021
2023: €288k▲ +9.0% vs 2022
2024: €332k▲ +15.2% vs 2023
2025: €370k▲ +11.5% vs 2024highest in 5 years
Operating result€41k-€30k▼ 25.8%€36k▲ 16.9%€65k▲ 80.9%€57k▼ 11.8%
2021: €41k
2022: €30k▼ -25.8% vs 2021lowest in 5 years
2023: €36k▲ +16.9% vs 2022
2024: €65k▲ +80.9% vs 2023highest in 5 years
2025: €57k▼ -11.8% vs 2024
Net result€27k-€21k▼ 21.2%€24k▲ 11.0%€44k▲ 85.0%€38k▼ 12.5%
2021: €27k
2022: €21k▼ -21.2% vs 2021lowest in 5 years
2023: €24k▲ +11.0% vs 2022
2024: €44k▲ +85.0% vs 2023highest in 5 years
2025: €38k▼ -12.5% vs 2024
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 12% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €376k
Fixed assets
€230k ▼ 1.2%
Current assets
€146k ▲ 21.6%
Equity and liabilities €376k
Equity
€370k ▲ 11.5%
Debt
€6k ▼ 72.8%
Debt's share of the balance-sheet total falls from 5.9% to 1.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€60k▼
2024 · €67k
Cash flow
€41k▼
2024 · €47k
Current ratio
25.95▲
2024 · 5.80
Debt to equity
0.02▼
2024 · 0.06
ROE
10.3%▼
2024 · 13.2%
ROA
10.2%▼
2024 · 12.4%
Interest coverage
147.17▼
2024 · 989.62
Debt ≤ 1 year
€6k▼
2024 · €21k
Income taxes
€18k▼
2024 · €21k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€353k€376k▲
Fixed assets21/28€232k€230k▼
Tangible fixed assets22/27€231k€229k▼
Land and buildings22€231k€228k▼
Furniture and vehicles24€870€758▼
Financial fixed assets28€1k€1k=
Current assets29/58€120k€146k▲
Amounts receivable within one year40/41€11k€14k▲
Trade receivables40€5k€13k▲
Other amounts receivable41€6k€220▼
Current investments50/53€75k€106k▲
Cash at bank and in hand54/58€33k€25k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€353k€376k▲
Equity10/15€332k€370k▲
Contributions10/11€216k€216k=
Reserves13€100k€137k▲
Distributable reserves133€100k€137k▲
Profit (loss) carried forward14€16k€17k▲
Amounts payable17/49€21k€6k▼
Amounts payable within one year42/48€21k€6k▼
Trade debts44€1k€371▼
Suppliers440/4€1k€371▼
Taxes, remuneration and social security45€19k€5k▼
Taxes450/3€19k€5k▼
Income statement
Code20242025
Turnover70€127k€132k▲
Goods, raw materials, services and sundry goods60/61€59k€72k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Other operating charges640/8€1k€779▼
Gross operating margin9900€68k€60k▼
Operating profit (loss)9901€65k€57k▼
Financial income75/76B€79€298▲
Recurring financial income75€79€298▲
Financial charges65/66B€68€405▲
Recurring financial charges65€68€405▲
Profit (loss) for the period before taxes9903€65k€57k▼
Income taxes67/77€21k€18k▼
Profit (loss) for the period9904€44k€38k▼
Profit (loss) for the period to be appropriated9905€44k€38k▼
Appropriation of the result
Profit (loss) to be appropriated9906€48k€54k▲
Profit (loss) brought forward from the previous period14P€4k€16k▲
Transfer to equity691/2€32k€37k▲
To other reserves6921€32k€37k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €123k | €92k | €127k | €127k | €132k | ▲ 3.8% |
| Goods, raw materials, services and sundry goods60/61 | €76k | €60k | €86k | €59k | €72k | ▲ 21.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5k | €742 | €3k | €3k | €3k | ▼ 2.1% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €646 | - | - | - |
| Other operating charges640/8 | €2k | €1k | €923 | €1k | €779 | ▼ 25.2% |
| Gross operating margin9900 | €47k | €32k | €40k | €68k | €60k | ▼ 11.6% |
| Operating profit (loss)9901 | €41k | €30k | €36k | €65k | €57k | ▼ 11.8% |
| Financial income75/76B | - | - | - | €79 | €298 | ▲ 277% |
| Recurring financial income75 | - | - | - | €79 | €298 | ▲ 277% |
| Financial charges65/66B | €72 | €114 | €419 | €68 | €405 | ▲ 496% |
| Recurring financial charges65 | €72 | €114 | €419 | €68 | €405 | ▲ 496% |
| Profit (loss) for the period before taxes9903 | €41k | €30k | €35k | €65k | €57k | ▼ 12.0% |
| Income taxes67/77 | €14k | €9k | €12k | €21k | €18k | ▼ 10.9% |
| Profit (loss) for the period9904 | €27k | €21k | €24k | €44k | €38k | ▼ 12.5% |
| Profit (loss) for the period to be appropriated9905 | €27k | €21k | €24k | €44k | €38k | ▼ 12.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €265k | €285k | €315k | €353k | €376k | ▲ 6.6% |
| Formation expenses20 | €0 | - | - | - | - | - |
| Fixed assets21/28 | €211k | €236k | €235k | €232k | €230k | ▼ 1.2% |
| Intangible fixed assets21 | €0 | - | - | - | - | - |
| Tangible fixed assets22/27 | €211k | €235k | €234k | €231k | €229k | ▼ 1.2% |
| Land and buildings22 | €210k | €234k | €233k | €231k | €228k | ▼ 1.1% |
| Furniture and vehicles24 | €690 | €1k | €1k | €870 | €758 | ▼ 12.9% |
| Financial fixed assets28 | - | €1k | €1k | €1k | €1k | = |
| Current assets29/58 | €54k | €49k | €80k | €120k | €146k | ▲ 21.6% |
| Amounts receivable within one year40/41 | €11k | €11k | €7k | €11k | €14k | ▲ 28.4% |
| Trade receivables40 | €11k | €5k | €2k | €5k | €13k | ▲ 170% |
| Other amounts receivable41 | €7 | €5k | €4k | €6k | €220 | ▼ 96.1% |
| Current investments50/53 | €14k | €27k | €51k | €75k | €106k | ▲ 41.5% |
| Cash at bank and in hand54/58 | €29k | €10k | €22k | €33k | €25k | ▼ 26.3% |
| Deferred charges and accrued income490/1 | €321 | €169 | €235 | €1k | €2k | ▲ 48.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €265k | €285k | €315k | €353k | €376k | ▲ 6.6% |
| Equity10/15 | €243k | €264k | €288k | €332k | €370k | ▲ 11.5% |
| Contributions10/11 | €216k | €216k | €216k | €216k | €216k | = |
| Reserves13 | €25k | €45k | €68k | €100k | €137k | ▲ 37.0% |
| Distributable reserves133 | €25k | €45k | €68k | €100k | €137k | ▲ 37.0% |
| Profit (loss) carried forward14 | €2k | €3k | €4k | €16k | €17k | ▲ 8.3% |
| Amounts payable17/49 | €22k | €21k | €27k | €21k | €6k | ▼ 72.8% |
| Amounts payable within one year42/48 | €22k | €21k | €27k | €21k | €6k | ▼ 72.8% |
| Trade debts44 | €2k | €5k | €4k | €1k | €371 | ▼ 74.1% |
| Suppliers440/4 | €2k | €5k | €4k | €1k | €371 | ▼ 74.1% |
| Taxes, remuneration and social security45 | €19k | €16k | €23k | €19k | €5k | ▼ 72.7% |
| Taxes450/3 | €19k | €16k | €23k | €19k | €5k | ▼ 72.7% |
| Other amounts payable47/48 | €937 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €27k | €21k | €24k | €44k | €38k | ▼ 12.5% |
| + Depreciation and write-downs630 | €5k | €742 | €3k | €3k | €3k | ▼ 2.1% |
| Operating cash flow (approximation) | €32k | €22k | €27k | €47k | €41k | ▼ 11.9% |
| Investment in fixed assets (approximation) | - | €-26k | €-2k | €0 | €0 | - |
| Change in cash | - | €-19k | €11k | €12k | €-9k | ▼ 175% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 20 days late
2025
31-12
Financial
Liquidity quadruplescurrent ratio 25.95
Current ratio from 5.80 to 25.95; short-term debt falls from €21k to €6k.
23-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 54 days late
2024
31-12
Financial
Highest result since 2021net €44k ▲85%
Operating result €65k, net result €44k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 28 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 60 days late
2022
31-12
Financial
Weakest financial yearnet €21k ▼21.2%
Net result drops to €21k, the lowest in the series; recovery starts the following year.
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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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Directors · office · real estate
Directors
2 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, Braine-le-Comte · 1 establishment unit since 2020
Ground area
2,658 m²
Building footprint
465 m²
Parcel 55302C1204/00X002, Wallonia. Linked by address, not a title deed.
8
companies at this address
See who is registered here
1 establishment unit
PEB_CONSEIL
since 20202.305.370.492
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55302C1204/00X002 | Wallonia | 2,658 m² | 1 · 465 m² | - |
Linked by address, not proof of ownership
Good to know
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 2,143 companies in sector 71209 we hold annual accounts for 1,085. 736 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded30-07-2020
Fiscal year end31-12
Activities, NACEBEL 2025
71209Other technical testing and analysis
Contact
Scores and ratios are computed by Checked and are not a credit decision.