PEETERMANS
ActiveSummary
PEETERMANS has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €253,713 and a net result of -€24,929. Equity is growing by ~20.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 9521 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability14▼-57
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16,000 at 30 days acceptable
Liquidity ample (current ratio 41.73 against 41.09 in 2024; short-term debt: 2.4% and cash: 1.8% of total assets), and 2.4% of the assets are financed with debt.
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Signals
Five 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 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← 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
97.6%
Return on assets
-9.6%
Age of the figures
9 mo
lowers risk · Consistently profitable
Positive net result in the two most recent financial years (2023 and 2024).
NBB · annual accounts 2024Net result per financial year
1819202122232425
2018 to 2025 · latest year -€24,929
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-09-2026, 54 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 · 10 filingsDeviation from the deadline
2025
54 d late
2024
68 d late
2023
28 d early
2022
29 d late
2021
338 d late
2020
283 d late
2019
12 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 108 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Subsidy mirror How does this company compare with its sector?Sector benchmark
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€253,713▼ 8.9%
2024 · €278,642
Total assets
€259,942▼ 9.0%
2024 · €285,592
Net result
-€24,929
2024 · €38,554
Working capital
€253,713▼ 8.9%
2024 · €278,642
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€2,481▲ 514%€49,927▲ 1,912%€55,385▲ 10.9%€50,857▼ 8.2%-€28,649
Net result€5,285▲ 74.2%€41,636▲ 688%€33,214▼ 20.2%€38,554▲ 16.1%-€24,929
Equity€165,237▲ 3.3%€206,873▲ 25.2%€240,087▲ 16.1%€278,642▲ 16.1%€253,713▼ 8.9%
Total assets€177,696▲ 2.8%€221,274▲ 24.5%€245,676▲ 11.0%€285,592▲ 16.2%€259,942▼ 9.0%
Debt€12,459▼ 3.3%€14,401▲ 15.6%€5,589▼ 61.2%€6,950▲ 24.4%€6,229▼ 10.4%
Working capital€165,237▲ 3.3%€206,873▲ 25.2%€240,087▲ 16.1%€278,642▲ 16.1%€253,713▼ 8.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €28,649 after €50,857 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €259,942
Equity
€253,713 ▼ 8.9%
Debt
€6,229 ▼ 10.4%
Debt's share of the balance-sheet total stays at 2.4%.
Key figures and ratios
Current ratio
41.73▲
2024 · 41.09
Debt to equity
0.02▼
2024 · 0.02
ROE
-9.8%▼
2024 · 13.8%
ROA
-9.6%▼
2024 · 13.5%
Debt ≤ 1 year
€6,229▼
2024 · €6,950
Income taxes
€771▼
2024 · €14,296
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,916 companies that looked in July 2024 the way this one looks now, 1.1% went bankrupt within 24 months and 91% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a small loss
1.1%
went bankrupt
7.8%
stopped otherwise
91%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,916 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | €358 | €1,948 | €4,224 | €456 | €828 | ▲ 81.4% |
| Gross operating margin9900 | €2,839 | €51,875 | €59,609 | €51,314 | -€27,821 | ▼ 154% |
| Operating profit (loss)9901 | €2,481 | €49,927 | €55,385 | €50,857 | -€28,649 | ▼ 156% |
| Financial income75/76B | €2,892 | €134 | €600 | €2,147 | €5,839 | ▲ 172% |
| Recurring financial income75 | €2,892 | €134 | €600 | €2,147 | €5,839 | ▲ 172% |
| Financial charges65/66B | €88 | €457 | €538 | €154 | €1,349 | ▲ 774% |
| Recurring financial charges65 | €88 | €457 | €538 | €154 | €1,349 | ▲ 774% |
| Profit (loss) for the period before taxes9903 | €5,285 | €49,605 | €55,447 | €52,850 | -€24,159 | ▼ 146% |
| Income taxes67/77 | - | €7,969 | €22,233 | €14,296 | €771 | ▼ 94.6% |
| Profit (loss) for the period9904 | €5,285 | €41,636 | €33,214 | €38,554 | -€24,929 | ▼ 165% |
| Profit (loss) for the period to be appropriated9905 | €5,285 | €41,636 | €33,214 | €38,554 | -€24,929 | ▼ 165% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €177,696 | €221,274 | €245,676 | €285,592 | €259,942 | ▼ 9.0% |
| Current assets29/58 | €177,696 | €221,274 | €245,676 | €285,592 | €259,942 | ▼ 9.0% |
| Amounts receivable after more than one year29 | - | - | - | €5,000 | €5,000 | = |
| Trade receivables290 | - | - | - | €5,000 | €5,000 | = |
| Amounts receivable within one year40/41 | €820 | €44,062 | €42,287 | €31,120 | €20,066 | ▼ 35.5% |
| Trade receivables40 | - | €41,201 | €32,229 | €20,750 | €10,946 | ▼ 47.3% |
| Other amounts receivable41 | €820 | €2,862 | €10,058 | €10,370 | €9,120 | ▼ 12.1% |
| Current investments50/53 | €166,646 | €171,646 | €196,646 | €236,131 | €230,026 | ▼ 2.6% |
| Cash at bank and in hand54/58 | €10,230 | €5,386 | €6,433 | €12,570 | €4,675 | ▼ 62.8% |
| Deferred charges and accrued income490/1 | - | €180 | €310 | €771 | €175 | ▼ 77.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €177,696 | €221,274 | €245,676 | €285,592 | €259,942 | ▼ 9.0% |
| Equity10/15 | €165,237 | €206,873 | €240,087 | €278,642 | €253,713 | ▼ 8.9% |
| Contributions10/11 | €183,600 | €183,600 | €183,600 | €183,600 | €183,600 | = |
| Reserves13 | €1,860 | €23,010 | €56,220 | €56,220 | €56,220 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | - | €21,150 | €54,360 | €54,360 | €54,360 | = |
| Profit (loss) carried forward14 | -€20,223 | €263 | €267 | €38,822 | €13,893 | ▼ 64.2% |
| Amounts payable17/49 | €12,459 | €14,401 | €5,589 | €6,950 | €6,229 | ▼ 10.4% |
| Amounts payable within one year42/48 | €12,459 | €14,401 | €5,589 | €6,950 | €6,229 | ▼ 10.4% |
| Trade debts44 | €282 | €409 | €423 | €517 | €2,227 | ▲ 331% |
| Suppliers440/4 | €282 | €409 | €423 | €517 | €2,227 | ▲ 331% |
| Taxes, remuneration and social security45 | €3,249 | €6,614 | €3,318 | €4,934 | €2,502 | ▼ 49.3% |
| Taxes450/3 | €377 | €3,742 | €445 | €2,061 | €746 | ▼ 63.8% |
| Remuneration and social security454/9 | €2,873 | €2,873 | €2,873 | €2,873 | €1,756 | ▼ 38.9% |
| Other amounts payable47/48 | €8,928 | €7,378 | €1,848 | €1,500 | €1,500 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €5,285 | €41,636 | €33,214 | €38,554 | -€24,929 | ▼ 165% |
| Operating cash flow (approximation) | €5,285 | €41,636 | €33,214 | €38,554 | -€24,929 | ▼ 165% |
| Change in cash | - | -€4,844 | €1,048 | €6,136 | -€7,895 | ▼ 229% |
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
23-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 54 days late
2025
31-12
Financial
Weakest financial yearnet -€24,929
Net result drops to -€24,929, the lowest in the series.
07-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 68 days late
2024
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 43.96
Current ratio from 15.37 to 43.96; short-term debt falls from €14,401 to €5,589.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 338 days late
2022
31-12
Financial
Highest result since 2018net €41,636 ▲688%
Net result €41,636, the highest in the series.
31-12
Financial
Equity above €200,000Eq €206,873 ▲25.2%
3 profitable years in a row build equity to €206,873.
10-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 283 days late
2020
31-12
Financial
Back to profitnet €3,033
Net result €3,033 after 2 loss-making years.
31-12
Financial
Liquidity times 26current ratio 13.41
Current ratio from 0.51 to 13.41; short-term debt falls from €16,492 to €12,889.
Show earlier events
31-12
Financial
Equity above €150,000Eq €159,952
Equity rises from -€8,081 to €159,952.
12-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 12 days late
2019
26-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 118 days late
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 20 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 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, Leuven · 1 establishment unit since 2010
Ground area
877 m²
Building footprint
143 m²
Volume, LiDAR
901 m³
2 parcels, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Peetermans
since 20102.189.997.803
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24038B0099/00Z000 | Flanders | 552 m² | 1 · 74 m² | 7.2 m · 2 fl. |
| 24038B0099/00W000 | Flanders | 325 m² | 1 · 69 m² | 8.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 2 entries · 116 EUR awarded · 116 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 68 EUR | 68 EUR |
| 2022 | 1 | 48 EUR | 48 EUR |
Recognitions · licences · registrations
Legal Entity Identifier
8945004H7521L4GNZL42
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Of 24,517 companies in sector 82990 we hold annual accounts for 9,415. 6,611 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
Founded01-03-2010
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
82100Office administrative and support services
Contact
E-mail
ludo.peetermans@yahoo.esLeuven
Phone
0487/87.07.34Leuven
E-invoicing
Reachable via Peppol
Peppol ID
0208:0823771510
Registered
27-10-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.