PECO FLOOR
ActivePECO FLOOR has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €43k and a net result of €15k. Equity is shrinking by ~9% per year across the filed fiscal years. Its solvency ranks better than 92% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+97
Solvency100▲+10
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 8.51 against 2.71 in 2024; short-term debt: 11.5% and cash: 39.2% of total assets), and 11.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 43
Relative position
BE, all sectors
reference
Sector 43
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
88.5%
Return on assets
30.4%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €43k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
29 d late
2023
30 d early
2022
24 d early
2021
33 d early
2020
17 d early
2019
53 d late
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€43k▲ 52.3%
2024 · €28k
2018: €55k
2019: €62k
2020: €68k
2021: €77k
2022: €60k
2023: €34k
2024: €28k
2018 → 2025
Total assets
€49k▲ 12.4%
2024 · €43k
2018: €64k
2019: €68k
2020: €73k
2021: €84k
2022: €62k
2023: €36k
2024: €43k
2018 → 2025
Net result
€15k
2024 · €-5k
2018: €755
2019: €6k
2020: €6k
2021: €10k
2022: €-18k
2023: €-26k
2024: €-5k
2018 → 2025
Working capital
€42k▲ 63.9%
2024 · €26k
2018: €55k
2019: €61k
2020: €68k
2021: €75k
2022: €55k
2023: €30k
2024: €26k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€77k-€60k▼ 22.7%€34k▼ 43.6%€28k▼ 16.0%€43k▲ 52.3%
Operating result€13k-€-16k€-25k▼ 59.8%€-4k▲ 84.1%€16k
Net result€10k-€-18k€-26k▼ 48.7%€-5k▲ 79.3%€15k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €16k after a loss of €4k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €49k
Fixed assets
€1k▼ 58.4%
Current assets
€48k▲ 17.1%
Equity and liabilities €49k
Equity
€43k▲ 52.3%
Debt
€6k▼ 62.7%
The debt ratio falls from 34.7% to 11.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€17k▲
2024 · €-3k
Cash flow
€16k▲
2024 · €-4k
Solvency
88.5%▲
2024 · 65.3%
Current ratio
8.51▲
2024 · 2.71
Quick ratio
8.51▲
2024 · 2.71
Debt / equity
0.13▼
2024 · 0.53
ROE
34.4%▲
2024 · -19.1%
ROA
30.4%▲
2024 · -12.4%
Interest coverage
12.61▲
2024 · -2.27
Debt
€6k▼
2024 · €15k
Debt ≤ 1 year
€6k▼
2024 · €15k
Income taxes
€374▲
2024 · €262
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€43k€49k▲
Fixed assets21/28€3k€1k▼
Tangible fixed assets22/27€3k€1k▼
Furniture and vehicles24€3k€1k▼
Current assets29/58€41k€48k▲
Amounts receivable within one year40/41€34k€29k▼
Trade receivables40€20k€16k▼
Other amounts receivable41€14k€12k▼
Cash at bank and in hand54/58€7k€19k▲
Equity and liabilities
Total equity and liabilities10/49€43k€49k▲
Equity10/15€28k€43k▲
Contributions10/11€6k€6k=
Reserves13€35k€35k=
Distributable reserves133€35k€35k=
Profit (loss) carried forward14€-13k€2k▲
Amounts payable17/49€15k€6k▼
Amounts payable within one year42/48€15k€6k▼
Trade debts44€15k€5k▼
Suppliers440/4€15k€5k▼
Taxes, remuneration and social security45€262€374▲
Taxes450/3€262€374▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€847▼
Other operating charges640/8€921€578▼
Non-recurring operating charges66A-€717
Gross operating margin9900€-2k€18k▲
Operating profit (loss)9901€-4k€16k▲
Financial income75/76B-€599
Recurring financial income75-€599
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€-5k€15k▲
Income taxes67/77€262€374▲
Profit (loss) for the period9904€-5k€15k▲
Profit (loss) for the period to be appropriated9905€-5k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-13k€2k▲
Profit (loss) brought forward from the previous period14P€-7k€-13k▼
The notes to these accounts (7 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
2026
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €15k
Net result €15k after 3 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 8.51
Current ratio from 2.71 to 8.51; short-term debt falls from €15k to €6k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-26k
Net result drops to €-26k, the lowest in the series; recovery starts the following year.
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
22-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 53 days late
2019
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Lummen · 1 establishment unit since 2008
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.
Gemeenteplein 103560 LummenGround area
1,354 m²
Building footprint
1,183 m²
Parcel 71542D2431/00A000, Flanders. Linked by address, not a title deed.
1 establishment unit
Peco-Floor
since 20082.170.757.357
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71542D2431/00A000 | Flanders | 1,354 m² | 1 · 1,183 m² | - |
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.
Similar companies · same sector, comparable size
RS QUARTZ-DESIGN
BE 0641.759.423
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BE 0507.960.888
Juprelle · Eq €43k
GINO'S SCHILDERWERKEN
BE 0476.277.918
Sint-Niklaas · Eq €44k
DA Concept
BE 0767.512.203
Herstal · Eq €43k
F.M.R.
BE 0434.259.793
Tubize · Eq €42k
Of 914 companies in sector 43333 we hold annual accounts for 400. 321 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-03-2008
Fiscal year end31-12
Activities, NACEBEL
43333Wallpapering and laying of floor and wall coverings in other materials
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.