PEERS - DE WINTER
ActiveSummary
PEERS - DE WINTER has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.44M and a net result of €332k. Equity remains stable across the filed fiscal years (±2.5% per year). Its solvency ranks better than 87% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+40
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €210k at 30 days acceptable
Liquidity ample (current ratio 12.84 against 14.33 in 2024; short-term debt: 3.3% and cash: 14.1% of total assets), and 8.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
91.2%
Return on assets
12.4%
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 €2.44M
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 09-06-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
108 d early
2023
23 d late
2022
24 d late
2021
on the day
2020
4 d late
2019
18 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.44M▲ 10.4%
2024 · €2.21M
2018: €2.03M
2019: €1.94M
2020: €2.02M
2021: €2.06M
2022: €2.10M
2023: €2.15M
2024: €2.21M
2018 → 2025
Total assets
€2.68M▼ 5.6%
2024 · €2.84M
2018: €3.01M
2019: €2.84M
2020: €2.84M
2021: €2.77M
2022: €2.82M
2023: €2.77M
2024: €2.84M
2018 → 2025
Net result
€332k▲ 385%
2024 · €68k
2018: €81k
2019: €117k
2020: €43k
2021: €38k
2022: €46k
2023: €44k
2024: €68k
2018 → 2025
Working capital
€1.06M▼ 11.1%
2024 · €1.19M
2018: €1.12M
2019: €1.02M
2020: €1.05M
2021: €1.04M
2022: €1.07M
2023: €1.09M
2024: €1.19M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.06M-€2.10M▲ 2.2%€2.15M▲ 2.1%€2.21M▲ 3.2%€2.44M▲ 10.4%
Operating result€49k-€66k▲ 35.8%€60k▼ 9.4%€54k▼ 9.8%€474k▲ 780%
Net result€38k-€46k▲ 22.4%€44k▼ 4.9%€68k▲ 56.5%€332k▲ 385%
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 780% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.68M
Fixed assets
€1.53M ▼ 1.7%
Current assets
€1.15M ▼ 10.3%
Equity and liabilities €2.68M
Equity
€2.44M ▲ 10.4%
Provisions
€141k ▼ 73.3%
Debt
€94k ▼ 2.0%
Debt's share of the balance-sheet total rises from 3.4% to 3.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€526k▲
2024 · €100k
Cash flow
€385k▲
2024 · €115k
Current ratio
12.84▼
2024 · 14.33
Debt to equity
0.04▼
2024 · 0.04
ROE
13.6%▲
2024 · 3.1%
ROA
12.4%▲
2024 · 2.4%
Interest coverage
247.75▲
2024 · -36.95
Debt ≤ 1 year
€90k▲
2024 · €90k
Debt > 1 year
€2k=
2024 · €2k
Income taxes
€170k▲
2024 · €37k
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 · 68 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.84M€2.68M▼
Fixed assets21/28€1.56M€1.53M▼
Tangible fixed assets22/27€1.19M€1.16M▼
Land and buildings22€1.11M€1.07M▼
Plant, machinery and equipment23€3k€19k▲
Furniture and vehicles24€3k€5k▲
Other tangible fixed assets26€69k€69k=
Financial fixed assets28€368k€368k=
Current assets29/58€1.28M€1.15M▼
Amounts receivable within one year40/41€76k€29k▼
Trade receivables40€51k€29k▼
Other amounts receivable41€25k€0▼
Current investments50/53€1.05M€738k▼
Cash at bank and in hand54/58€141k€379k▲
Deferred charges and accrued income490/1€11k€5k▼
Equity and liabilities
Total equity and liabilities10/49€2.84M€2.68M▼
Equity10/15€2.21M€2.44M▲
Contributions10/11€111k€111k=
Capital10€111k€111k=
Issued capital100€111k€111k=
Reserves13€2.09M€2.32M▲
Non-distributable reserves130/1€22k€22k=
Legal reserve130€15k€15k=
Other1319€7k€7k=
Tax-exempt reserves132€363k€336k▼
Distributable reserves133€1.71M€1.96M▲
Profit (loss) carried forward14€11k€11k▲
Provisions and deferred taxes16€528k€141k▼
Provisions for liabilities and charges160/5€408k€29k▼
Pensions and similar obligations160€370k€0▼
Major repairs and maintenance162€38k€29k▼
Deferred taxes168€121k€112k▼
Amounts payable17/49€96k€94k▼
Amounts payable after more than one year17€2k€2k=
Other amounts payable178/9€2k€2k=
Amounts payable within one year42/48€90k€90k▲
Trade debts44€14k€14k▼
Suppliers440/4€14k€14k▼
Taxes, remuneration and social security45€49k€72k▲
Taxes450/3€48k€72k▲
Remuneration and social security454/9€916€0▼
Other amounts payable47/48€26k€3k▼
Accrued charges and deferred income492/3€4k€2k▼
Income statement
Code20242025
Non-recurring operating income76A-€354
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46k€52k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8-€-378k
Other operating charges640/8€17k€19k▲
Non-recurring operating charges66A-€292
Gross operating margin9900€117k€167k▲
Operating profit (loss)9901€54k€474k▲
Financial income75/76B€40k€21k▼
Recurring financial income75€40k€21k▼
Financial charges65/66B€-3k€2k▲
Recurring financial charges65€-3k€2k▲
Profit (loss) for the period before taxes9903€97k€493k▲
Transfer from deferred taxes780€9k€9k=
Income taxes67/77€37k€170k▲
Profit (loss) for the period9904€68k€332k▲
Transfer from tax-exempt reserves789€27k€27k=
Profit (loss) for the period to be appropriated9905€95k€359k▲
Appropriation of the result
Profit (loss) to be appropriated9906€105k€369k▲
Profit (loss) brought forward from the previous period14P€10k€11k▲
Transfer from equity791/2-€101k
Transfer to equity691/2€95k€359k▲
To other reserves6921€95k€359k▲
Profit to be distributed694/7-€101k
Return on contributions (dividend)694-€101k
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (15 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
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €332k ▲385%
Operating result €474k, net result €332k, both a record.
14-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 23 days late
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 24 days late
2022
31-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €38k ▼11.7%
Net result drops to €38k, the lowest in the series; recovery starts the following year.
04-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 4 days late
2020
31-12
Financial
Equity above €2MEq €2.02M ▲3.8%
3 profitable years in a row build equity to €2.02M.
18-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 18 days late
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Harelbeke · 1 establishment unit since 1992
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.
Heerbaan 1888530 HarelbekeGround area
814 m²
Building footprint
134 m²
Volume, LiDAR
855 m³
Parcel 34322B0016/00Z000, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Heerbaan 188, 8530 Harelbeke
since 19922.058.794.910
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34322B0016/00Z000 | Flanders | 814 m² | 1 · 134 m² | 10.7 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.
Recognitions · licences · registrations
Legal Entity Identifier
5299008DVHD4LT8J5312
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 17,919 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded22-07-1992
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.