PEBA
ActivePEBA has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €317k and a net result of €35k. Equity is growing by ~12.3% per year across the filed fiscal years. Its solvency ranks better than 93% of 17932 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability55▼-44
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 9.5 against 11.0 in 2024), and 10.5% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
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
89.5%
Return on assets
9.8%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 16-09-2025, 137 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
137 d early
2024
135 d early
2023
134 d early
2022
117 d early
2021
117 d early
2020
107 d early
2019
120 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close11-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€317k▲ 12.3%
2024 · €282k
2019: €157k
2020: €172k
2021: €187k
2022: €205k
2023: €226k
2024: €282k
2019 → 2025
Total assets
€354k▲ 14.1%
2024 · €310k
2019: €162k
2020: €180k
2021: €198k
2022: €224k
2023: €250k
2024: €310k
2019 → 2025
Net result
€35k▼ 37.6%
2024 · €56k
2019: €5k
2020: €16k
2021: €14k
2022: €19k
2023: €21k
2024: €56k
2019 → 2025
Working capital
€316k▲ 12.5%
2024 · €281k
2019: €150k
2020: €158k
2021: €176k
2022: €199k
2023: €224k
2024: €281k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€187k-€205k▲ 10.0%€226k▲ 10.2%€282k▲ 24.6%€317k▲ 12.3%
Operating result€20k-€26k▲ 32.6%€32k▲ 23.1%€83k▲ 159%€51k▼ 38.1%
Net result€14k-€19k▲ 29.3%€21k▲ 12.2%€56k▲ 165%€35k▼ 37.6%
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 38% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €354k
Fixed assets
€699▼ 33.8%
Current assets
€353k▲ 14.3%
Equity and liabilities €354k
Equity
€317k▲ 12.3%
Debt
€37k▲ 32.3%
The debt ratio rises from 9.1% to 10.5%: debt grows faster than equity.
Key figures and ratios
EBITDA
€52k▼
2024 · €85k
Cash flow
€35k▼
2024 · €58k
Solvency
89.5%▼
2024 · 90.9%
Current ratio
9.50▼
2024 · 11.00
Quick ratio
8.97▼
2024 · 9.94
Debt / equity
0.12▲
2024 · 0.10
ROE
11.0%▼
2024 · 19.8%
ROA
9.8%▼
2024 · 18.0%
Interest coverage
1145.52▼
2024 · 2266.35
Debt
€37k▲
2024 · €28k
Debt ≤ 1 year
€37k▲
2024 · €28k
Income taxes
€17k▼
2024 · €28k
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€310k€354k▲
Fixed assets21/28€1k€699▼
Tangible fixed assets22/27€1k€699▼
Plant, machinery and equipment23€1k€699▼
Current assets29/58€309k€353k▲
Stocks and contracts in progress3€30k€20k▼
Stocks30/36€30k€20k▼
Amounts receivable within one year40/41€2k-
Other amounts receivable41€2k-
Current investments50/53€200k€200k=
Cash at bank and in hand54/58€75k€132k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€310k€354k▲
Equity10/15€282k€317k▲
Contributions10/11€19k€19k=
Reserves13€132k€167k▲
Distributable reserves133€132k€167k▲
Profit (loss) carried forward14€131k€131k=
Amounts payable17/49€28k€37k▲
Amounts payable within one year42/48€28k€37k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€27k€35k▲
Taxes450/3€13k€17k▲
Remuneration and social security454/9€14k€17k▲
Other amounts payable47/48€129€435▲
Income statement
Code20242025
Non-recurring operating income76A-€6k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€356▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€87k€53k▼
Operating profit (loss)9901€83k€51k▼
Financial income75/76B€902€510▼
Recurring financial income75€902€510▼
Financial charges65/66B€38€45▲
Recurring financial charges65€38€45▲
Profit (loss) for the period before taxes9903€84k€52k▼
Income taxes67/77€28k€17k▼
Profit (loss) for the period9904€56k€35k▼
Profit (loss) for the period to be appropriated9905€56k€35k▼
Appropriation of the result
Profit (loss) to be appropriated9906€186k€165k▼
Profit (loss) brought forward from the previous period14P€131k€131k=
Transfer to equity691/2€56k€35k▼
To the legal reserve6920-€35k
To other reserves6921€56k-
The notes to these accounts (6 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
2025
16-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
18-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Highest result since 2019net €56k ▲165%
Operating result €83k, net result €56k, both a record.
2023
19-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
06-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Equity above €200kEq €205k ▲10%
4 profitable years in a row build equity to €205k.
2021
06-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
16-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
03-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
06-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
05-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
21-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Lille · 1 establishment unit since 2000
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.
De Nefstraat 132275 LilleGround area
513 m²
Building footprint
133 m²
Volume, LiDAR
736 m³
Parcel 13009C0656/00T004, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PEBA
since 20002.099.700.897
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13009C0656/00T004 | Flanders | 513 m² | 1 · 133 m² | 8.4 m · 2 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
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Colman Sablon
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ISIS EVENT
BE 0443.968.109
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GOELAND ARGENTE
BE 0824.030.044
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Thierry CASTRO
BE 0735.829.330
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Of 2,004 companies in sector 47770 we hold annual accounts for 892. 656 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-07-2000
Fiscal year end30-06
Activities, NACEBEL
47770Retail sale of watches and jewellery
52484
52730
95250Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.