PEETERS
ActiveSummary
PEETERS has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €171k and a net result of €14k. Equity is shrinking by ~5.7% per year across the filed fiscal years. Its solvency ranks better than 46% of 13417 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability71▲+3
Solvency50▲+2
Growth58=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity short (current ratio 0.63 against 0.42 in 2024; short-term debt: 20.2% and cash: 10.2% of total assets), and 74.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more 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
25.5%
Return on assets
2.1%
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 30-08-2026, 30 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
30 d late
2024
30 d late
2023
27 d late
2022
26 d late
2021
31 d late
2020
27 d late
2019
31 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, micro schema
Equity
€171k▲ 9.2%
2024 · €156k
2018: €239khighest in 8 years
2019: €225k▼ -5.9% vs 2018
2020: €175k▼ -22.4% vs 2019
2021: €185k▲ +6.1% vs 2020
2022: €174k▼ -6.0% vs 2021
2023: €158k▼ -9.3% vs 2022
2024: €156k▼ -1.2% vs 2023lowest in 8 years
2025: €171k▲ +9.2% vs 2024
2018 → 2025
Total assets
€670k▼ 3.3%
2024 · €693k
2018: €557klowest in 8 years
2019: €560k▲ +0.4% vs 2018
2020: €832k▲ +48.7% vs 2019highest in 8 years
2021: €778k▼ -6.5% vs 2020
2022: €741k▼ -4.8% vs 2021
2023: €698k▼ -5.8% vs 2022
2024: €693k▼ -0.7% vs 2023
2025: €670k▼ -3.3% vs 2024
2018 → 2025
Net result
€14k
2024 · €-2k
2018: €-15k
2019: €-14k▲ +7.0% vs 2018
2020: €-50k▼ -257% vs 2019lowest in 8 years
2021: €11k▲ +121% vs 2020
2022: €-11k▼ -204% vs 2021
2023: €-16k▼ -45.2% vs 2022
2024: €-2k▲ +88.1% vs 2023
2025: €14k▲ +843% vs 2024highest in 8 years
2018 → 2025
Working capital
€-50k▲ 45.5%
2024 · €-92k
2018: €-130k
2019: €-158k▼ -22.0% vs 2018
2020: €-165k▼ -4.0% vs 2019lowest in 8 years
2021: €-119k▲ +27.9% vs 2020
2022: €-133k▼ -12.3% vs 2021
2023: €-110k▲ +17.4% vs 2022
2024: €-92k▲ +16.6% vs 2023
2025: €-50k▲ +45.5% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€185k-€174k▼ 6.0%€158k▼ 9.3%€156k▼ 1.2%€171k▲ 9.2%
2021: €185khighest in 5 years
2022: €174k▼ -6.0% vs 2021
2023: €158k▼ -9.3% vs 2022
2024: €156k▼ -1.2% vs 2023lowest in 5 years
2025: €171k▲ +9.2% vs 2024
Operating result€20k-€-4k€-10k▼ 177%€13k€36k▲ 170%
2021: €20k
2022: €-4k▼ -119% vs 2021
2023: €-10k▼ -177% vs 2022lowest in 5 years
2024: €13k▲ +227% vs 2023
2025: €36k▲ +170% vs 2024highest in 5 years
Net result€11k-€-11k€-16k▼ 45.2%€-2k▲ 88.1%€14k
2021: €11k
2022: €-11k▼ -204% vs 2021
2023: €-16k▼ -45.2% vs 2022lowest in 5 years
2024: €-2k▲ +88.1% vs 2023
2025: €14k▲ +843% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 170% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €670k
Fixed assets
€585k ▼ 6.6%
Current assets
€86k ▲ 27.1%
Equity and liabilities €670k
Equity
€171k ▲ 9.2%
Debt
€500k ▼ 6.9%
Debt's share of the balance-sheet total falls from 77.5% to 74.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€83k▲
2024 · €57k
Cash flow
€62k▲
2024 · €42k
Current ratio
0.63▲
2024 · 0.42
Quick ratio
0.57▲
2024 · 0.38
Debt to equity
2.93▼
2024 · 3.43
ROE
8.4%▲
2024 · -1.2%
ROA
2.1%▲
2024 · -0.3%
Interest coverage
13.20▲
2024 · 8.87
Debt ≤ 1 year
€136k▼
2024 · €159k
Debt > 1 year
€360k▼
2024 · €374k
Income taxes
€15k▲
2024 · €9k
Staff costs
€153k▼
2024 · €158k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€693k€670k▼
Fixed assets21/28€626k€585k▼
Tangible fixed assets22/27€626k€585k▼
Land and buildings22€594k€558k▼
Plant, machinery and equipment23€25k€23k▼
Furniture and vehicles24€7k€4k▼
Current assets29/58€67k€86k▲
Stocks and contracts in progress3€7k€9k▲
Stocks30/36€7k€9k▲
Amounts receivable within one year40/41€50€3k▲
Trade receivables40-€3k
Other amounts receivable41€50€50=
Cash at bank and in hand54/58€50k€68k▲
Deferred charges and accrued income490/1€10k€5k▼
Equity and liabilities
Total equity and liabilities10/49€693k€670k▼
Equity10/15€156k€171k▲
Contributions10/11€19k€19k=
Revaluation surpluses12€289k€263k▼
Reserves13€265k-
Distributable reserves133€265k-
Profit (loss) carried forward14€-416k€-111k▲
Amounts payable17/49€537k€500k▼
Amounts payable after more than one year17€374k€360k▼
Financial debts170/4€374k€360k▼
Amounts payable within one year42/48€159k€136k▼
Current portion of amounts payable after more than one year42€14k€14k▲
Trade debts44€5k€623▼
Suppliers440/4€5k€623▼
Taxes, remuneration and social security45€34k€34k▲
Taxes450/3€18k€17k▼
Remuneration and social security454/9€16k€18k▲
Other amounts payable47/48€107k€86k▼
Accrued charges and deferred income492/3€4k€4k▼
Income statement
Code20242025
Remuneration, social security and pensions62€158k€153k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€44k€48k▲
Other operating charges640/8€5k€6k▲
Gross operating margin9900€221k€242k▲
Operating profit (loss)9901€13k€36k▲
Financial income75/76B€249€310▲
Recurring financial income75€249€310▲
Financial charges65/66B€6k€6k▼
Recurring financial charges65€6k€6k▼
Profit (loss) for the period before taxes9903€7k€30k▲
Income taxes67/77€9k€15k▲
Profit (loss) for the period9904€-2k€14k▲
Profit (loss) for the period to be appropriated9905€-2k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-416k€-402k▲
Profit (loss) brought forward from the previous period14P€-415k€-416k▼
Transfer from equity791/2-€292k
The notes to these accounts (10 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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €51k | €95k | €121k | €158k | €153k | ▼ 3.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €55k | €57k | €60k | €44k | €48k | ▲ 9.2% |
| Other operating charges640/8 | €4k | €5k | €5k | €5k | €6k | ▲ 4.5% |
| Gross operating margin9900 | €130k | €153k | €176k | €221k | €242k | ▲ 9.9% |
| Operating profit (loss)9901 | €20k | €-4k | €-10k | €13k | €36k | ▲ 170% |
| Financial income75/76B | €32 | €21 | €3 | €249 | €310 | ▲ 24.5% |
| Recurring financial income75 | €32 | €21 | €3 | €249 | €310 | ▲ 24.5% |
| Financial charges65/66B | €9k | €7k | €5k | €6k | €6k | ▼ 1.8% |
| Recurring financial charges65 | €9k | €7k | €5k | €6k | €6k | ▼ 1.8% |
| Profit (loss) for the period before taxes9903 | €11k | €-11k | €-16k | €7k | €30k | ▲ 322% |
| Income taxes67/77 | €189 | €323 | €344 | €9k | €15k | ▲ 70.4% |
| Profit (loss) for the period9904 | €11k | €-11k | €-16k | €-2k | €14k | ▲ 843% |
| Profit (loss) for the period to be appropriated9905 | €11k | €-11k | €-16k | €-2k | €14k | ▲ 843% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €778k | €741k | €698k | €693k | €670k | ▼ 3.3% |
| Fixed assets21/28 | €745k | €711k | €659k | €626k | €585k | ▼ 6.6% |
| Tangible fixed assets22/27 | €745k | €711k | €659k | €626k | €585k | ▼ 6.6% |
| Land and buildings22 | €706k | €668k | €631k | €594k | €558k | ▼ 6.1% |
| Plant, machinery and equipment23 | €15k | €19k | €19k | €25k | €23k | ▼ 7.7% |
| Furniture and vehicles24 | €24k | €24k | €10k | €7k | €4k | ▼ 41.6% |
| Current assets29/58 | €33k | €30k | €39k | €67k | €86k | ▲ 27.1% |
| Stocks and contracts in progress3 | €3k | €6k | €7k | €7k | €9k | ▲ 32.2% |
| Stocks30/36 | €3k | €6k | €7k | €7k | €9k | ▲ 32.2% |
| Amounts receivable within one year40/41 | €1k | - | €935 | €50 | €3k | ▲ 6,498% |
| Trade receivables40 | €940 | - | €935 | - | €3k | - |
| Other amounts receivable41 | €154 | - | - | €50 | €50 | = |
| Cash at bank and in hand54/58 | €28k | €21k | €25k | €50k | €68k | ▲ 35.7% |
| Deferred charges and accrued income490/1 | €1k | €3k | €7k | €10k | €5k | ▼ 48.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €778k | €741k | €698k | €693k | €670k | ▼ 3.3% |
| Equity10/15 | €185k | €174k | €158k | €156k | €171k | ▲ 9.2% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Revaluation surpluses12 | €368k | €341k | €315k | €289k | €263k | ▼ 9.1% |
| Reserves13 | €187k | €213k | €239k | €265k | - | - |
| Non-distributable reserves130/1 | €2k | €2k | - | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | - | - | - | - |
| Distributable reserves133 | €185k | €211k | €239k | €265k | - | - |
| Profit (loss) carried forward14 | €-387k | €-398k | €-415k | €-416k | €-111k | ▲ 73.5% |
| Amounts payable17/49 | €593k | €567k | €540k | €537k | €500k | ▼ 6.9% |
| Amounts payable after more than one year17 | €437k | €399k | €387k | €374k | €360k | ▼ 3.6% |
| Financial debts170/4 | €437k | €399k | €387k | €374k | €360k | ▼ 3.6% |
| Amounts payable within one year42/48 | €152k | €163k | €149k | €159k | €136k | ▼ 14.8% |
| Current portion of amounts payable after more than one year42 | €23k | €16k | €14k | €14k | €14k | ▲ 1.8% |
| Trade debts44 | €7k | €10k | €5k | €5k | €623 | ▼ 86.3% |
| Suppliers440/4 | €7k | €10k | €5k | €5k | €623 | ▼ 86.3% |
| Taxes, remuneration and social security45 | €6k | €11k | €14k | €34k | €34k | ▲ 2.1% |
| Taxes450/3 | €2k | €7k | €8k | €18k | €17k | ▼ 7.6% |
| Remuneration and social security454/9 | €3k | €4k | €6k | €16k | €18k | ▲ 13.1% |
| Other amounts payable47/48 | €116k | €126k | €117k | €107k | €86k | ▼ 19.2% |
| Accrued charges and deferred income492/3 | €4k | €4k | €4k | €4k | €4k | ▼ 6.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €11k | €-11k | €-16k | €-2k | €14k | ▲ 843% |
| + Depreciation and write-downs630 | €55k | €57k | €60k | €44k | €48k | ▲ 9.2% |
| Operating cash flow (approximation) | €66k | €46k | €43k | €42k | €62k | ▲ 48.3% |
| Investment in fixed assets (approximation) | - | €-22k | €-8k | €-10k | €-7k | ▲ 34.2% |
| Change in cash | - | €-7k | €4k | €25k | €18k | ▼ 29.4% |
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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Back to profitnet €14k
Net result €14k after 3 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
26-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 26 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €11k
Net result €11k after 3 loss-making years.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Weakest financial yearnet €-50k
Net result drops to €-50k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 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, Westerlo · 1 establishment unit since 1984
Ground area
1,012 m²
Building footprint
485 m²
Volume, LiDAR
2,133 m³
Parcel 13052A0262/00D002, Flanders · tallest building 8.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Brasserie Marie
since 19842.024.826.005
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13052A0262/00D002 | Flanders | 1,012 m² | 1 · 485 m² | 8.2 m · 1 fl. |
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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 7 entries · 47,372 EUR awarded · 47,372 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 19,120 EUR | 19,120 EUR |
| 2024 | 2 | 18,208 EUR | 18,208 EUR |
| 2023 | 1 | 4,329 EUR | 4,329 EUR |
| 2022 | 2 | 5,715 EUR | 5,715 EUR |
Schemes
Individueel Maatwerk
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Premie kwalificerend werkplekleren
Stagebonus (stopgezet)
Recognitions · licences · registrations
Food safety, FASFC
1 siteWesterlo2.024.826.005
Dual-learning approval
3 live approvals · 10 endedKeukenmedewerker (vwo)
Keukenmedewerker duaal (so)
Restaurant en keuken duaal (so)
Show 10 ended approvals
Hulpkelner (so)
Hulpkelner (vwo)
Hulpkelner duaal (so)
Hulpkok (so)
Kelner (so)
Keukenmedewerker (so)
Keukenmedewerker (vwo)
Keukenmedewerker duaal (so)
Kok (so)
Restaurant en keuken duaal (so)
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Of 20,495 companies in sector 56111 we hold annual accounts for 11,462. 8,859 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
Founded07-05-1984
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
68201Renting and operating of own or leased residential real estate, excluding social housing
Contact
Phone
0475/395.172Westerlo
Scores and ratios are computed by Checked and are not a credit decision.