Summary
Peeters-Cardoen is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €703,342 and a net result of €25,999. Equity is growing by about 3.5% per year across the filed financial years. Its solvency ranks better than 95% of 1,848 sector peers (NACE 66, financial year 2025). The company has been active since 1982 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
- Equity
- €703,342
- Profit
- €25,999
- Board
- 4 members
SignalsneutralLatest accounts filed on timeShow the evidence
Checked score
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
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Signals
This company filed its last 7 accounts on average 48 days before the deadline; the sector median (NACE 66) for financial year 2024 is 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · abbreviated…
- Annual accounts filedfinancial year 2024 · micro…
- Highest result from 2018 to 2025net €27,571 ▲7.6%
Financials · financial year 2025, abbreviated format
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result falls in 2025; 2025 is 7% below 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €45,301 | €14,799 | €14,799 | €14,372 | €14,115 | €14,115 | €15,296 | €15,681 | ▲ 2.5% |
| Other operating charges640/8 | - | - | - | €4,337 | €6,591 | €4,936 | €5,122 | €5,354 | ▲ 4.5% |
| Gross operating margin9900 | €70,310 | €47,737 | €33,387 | €51,450 | €58,856 | €54,064 | €56,466 | €54,675 | ▼ 3.2% |
| Operating profit (loss)9901 | €20,849 | €28,903 | €14,281 | €32,741 | €38,150 | €35,014 | €36,048 | €33,640 | ▼ 6.7% |
| Financial income75/76B | - | - | - | €53 | - | €25 | €713 | €1,034 | ▲ 45.1% |
| Recurring financial income75 | €32 | €2 | €34 | €53 | - | €25 | €713 | €1,034 | ▲ 45.1% |
| Profit (loss) for the period before taxes9903 | €20,881 | €28,905 | €14,315 | €32,794 | €38,150 | €35,039 | €36,761 | €34,675 | ▼ 5.7% |
| Income taxes67/77 | €6,107 | €10,346 | - | €8,798 | €12,139 | €9,408 | €9,190 | €8,676 | ▼ 5.6% |
| Profit (loss) for the period9904 | €14,774 | €18,559 | €14,315 | €23,996 | €26,011 | €25,631 | €27,571 | €25,999 | ▼ 5.7% |
| Profit (loss) for the period to be appropriated9905 | €14,774 | €18,559 | €14,315 | €23,996 | €26,011 | €25,631 | €27,571 | €25,999 | ▼ 5.7% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €579,619 | €593,019 | €608,605 | €626,092 | €652,321 | €677,953 | €701,428 | €706,362 | ▲ 0.7% |
| Fixed assets21/28 | €542,203 | €529,700 | €514,901 | €500,529 | €486,413 | €472,298 | €472,660 | €456,979 | ▼ 3.3% |
| Tangible fixed assets22/27 | €542,203 | €529,700 | €514,901 | €500,529 | €486,413 | €472,298 | €472,660 | €456,979 | ▼ 3.3% |
| Land and buildings22 | - | - | - | €500,529 | €486,413 | €472,298 | €458,183 | €444,068 | ▼ 3.1% |
| Plant, machinery and equipment23 | - | - | - | - | - | - | €14,477 | €12,911 | ▼ 10.8% |
| Current assets29/58 | €37,416 | €63,319 | €93,704 | €125,563 | €165,908 | €205,655 | €228,768 | €249,383 | ▲ 9.0% |
| Amounts receivable within one year40/41 | €4,893 | €10,411 | €6,916 | €5,781 | €517 | €2,600 | €4,060 | €1,642 | ▼ 59.6% |
| Other amounts receivable41 | - | - | - | €5,781 | €517 | €2,600 | €4,060 | €1,642 | ▼ 59.6% |
| Cash at bank and in hand54/58 | €32,523 | €52,908 | €86,788 | €119,782 | €165,391 | €203,055 | €224,708 | €247,741 | ▲ 10.3% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €579,619 | €593,019 | €608,605 | €626,092 | €652,321 | €677,953 | €701,428 | €706,362 | ▲ 0.7% |
| Equity10/15 | €566,222 | €584,781 | €599,096 | €623,092 | €649,103 | €674,733 | €698,265 | €703,342 | ▲ 0.7% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €547,630 | €566,189 | €580,504 | €604,500 | €630,511 | €656,141 | €679,673 | €684,750 | ▲ 0.7% |
| Non-distributable reserves130/1 | - | - | - | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | - | - | - | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Distributable reserves133 | - | - | - | €602,641 | €628,651 | €654,282 | €677,814 | €682,891 | ▲ 0.7% |
| Amounts payable17/49 | €13,397 | €8,238 | €9,509 | €3,000 | €3,219 | €3,220 | €3,163 | €3,020 | ▼ 4.5% |
| Amounts payable within one year42/48 | €13,397 | €8,238 | €9,509 | €3,000 | €3,219 | €3,220 | €3,163 | €3,020 | ▼ 4.5% |
| Taxes, remuneration and social security45 | - | - | - | €2,400 | €2,601 | €2,563 | €2,506 | €2,364 | ▼ 5.7% |
| Taxes450/3 | - | - | - | €2,400 | €2,601 | €2,563 | €2,506 | €2,364 | ▼ 5.7% |
| Other amounts payable47/48 | - | - | - | €600 | €618 | €657 | €657 | €657 | ▼ 0.1% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €14,774 | €18,559 | €14,315 | €23,996 | €26,011 | €25,631 | €27,571 | €25,999 | ▼ 5.7% |
| + Depreciation and write-downs630 | €45,301 | €14,799 | €14,799 | €14,372 | €14,115 | €14,115 | €15,296 | €15,681 | ▲ 2.5% |
| Operating cash flow (approximation) | €60,075 | €33,358 | €29,114 | €38,368 | €40,126 | €39,746 | €42,867 | €41,679 | ▼ 2.8% |
| Investment in fixed assets (approximation) | - | -€2,296 | €0 | €0 | €1 | €0 | -€15,658 | -€0 | ▲ 100.0% |
| Change in cash | - | €20,385 | €33,880 | €32,994 | €45,609 | €37,664 | €21,653 | €23,033 | ▲ 6.4% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 44 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | abbreviated format | 22-06-2026 | 2026-00183475 |
| 31-12-2024 | micro format | 05-06-2025 | 2025-00122840 |
| 31-12-2023 | micro format | 14-06-2024 | 2024-00130441 |
| 31-12-2022 | micro format | 26-06-2023 | 2023-00157177 |
| 31-12-2021 | micro format | 07-06-2022 | 2022-20049851 |
| 31-12-2020 | micro format | 03-06-2021 | 2021-17200361 |
| 31-12-2019 | micro format | 15-06-2020 | 2020-16800399 |
| 31-12-2018 | micro format | 26-06-2019 | 2019-23600227 |
| 31-12-2017 | micro format | 27-06-2018 | 2018-24300340 |
| 31-12-2016 | micro format | 22-06-2017 | 2017-20300358 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Cardoen Kathlyn |
|
| Peeters Eddy |
|
| Peeters Karen |
|
| Peeters Lynn |
|
Owners and capital
Capital and shareholders
- 10-11-2023 Converted to unavailable equity · €20,451
Group and network
Connections & network
4 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
10-11
Gazette deed
Resignations: Peeters Eddy, Cardoen Kathlyn and 2 othersReappointments: Peeters Eddy, Cardoen Kathlyn and 2 others · Capital conversion · Reserve release17 facts ▸
- Other provision, “EERSTE BESLUIT-aanpassing statuten aan WVV en behoud rechtsvorm BV, artikel 39,§1,eerste en derde lid wet 23-03-2019 WVV” (deed in Dutch)
- Capital conversion, “statutair onbeschikbare eigen vermogensrekening” (deed in Dutch)
- Reserve release, “opheffing, statutair onbeschikbare eigen vermogensrekening inclusief eventuele uitgiftepremies” (deed in Dutch)
- Amendment of the articles
- Capital
- Power of attorney, Michiel MAHIEU
- Director resignation, Peeters Eddy (manager)
- Director resignation, Cardoen Kathlyn (manager)
- Director resignation, Peeters Karen (manager)
- Director resignation, Peeters Lynn (manager)
- Director reappointment, Peeters Eddy (director (not named in the articles))
- Director reappointment, Cardoen Kathlyn (director (not named in the articles))
- +5 further facts in this act
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
2 parcels
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 11808H1027/00R000 | Flanders | 115 m² | 1 · 90 m² | - |
| 11808H0572/00X009 | Flanders | 101 m² | 1 · 101 m² | 17.0 m · 4 |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “1.het verwerven,vervreemden,beheren,uitbaten,valoriseren,verkavelen,ordenen,huren en verhuren,het doen bouwen of verbouwen,promotie van en…” (deed in Dutch)
5 activities (deed in Dutch)
- 1.het verwerven,vervreemden,beheren,uitbaten,valoriseren,verkavelen,ordenen,huren en verhuren,het doen bouwen of verbouwen,promotie van en makelen in onroerende goederen,evenals alle welkdanige onroerende transacties en verrichtingen,in de meest brede zin;
- 2.alle diensten te verrichten op fiscaal en boekhoudkundig gebied,het uitvoeren en organiseren van deze activiteiten,het behandelen van fiscale dossiers;en
- 3.alle verrichtingen die rechtstreeks of onrechtstreeks verband houden met het beroep en de werkzaamheden van makelaar in verzekeringen,hypotheken,kredietverleningen en beleggingen.
- Alle commerciële,financiële,industriële,roerende en onroerende handelingen mogen verrichten die rechtstreeks of onrechtstreeks,geheel of gedeeltelijk,verband houden met haar voorwerp,of die van aard zijn de verwezenlijking ervan te vergemakkelijken of uit te breiden.
- Mag bij wijze van inbreng,bijdrage,deelname,samenwerking of fusie,belangen nemen in alle zaken,vennootschappen of ondernemingen,die een gelijkaardig voorwerp hebben of geschikt zijn om rechtstreeks of onrechtstreeks de verwezenlijking of de uitbreiding van haar voorwerp te bevorderen.
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- PEETERS-CARDOEN
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaamse gewest, administratieve zetels,agentschappen,werkhuizen,stapelplaatsen en bijkantoren in België of buitenland door eenvoudige…” (deed in Dutch)
Who represents it, and how
- Board ruleHow the board is made up, meets and takes decisions.
- “Met of zonder beperking,zonder bepaling geacht onbepaalde duur, algemene vergadering” (deed in Dutch)“Algemene kosten,los van representatie-,reis-en verplaatsingskosten, algemene vergadering met absolute meerderheid of enige aandeelhouder…” (deed in Dutch)
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- One provision in the deed
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Bij splitsing rechten uitgeoefend door vruchtgebruiker, voorzitter ondernemingsrechtbank rechtsgebied zetel op verzoek meest gerede partij…” (deed in Dutch)“Helft overdrager,helft koper(s) naar evenredigheid aantal bij meer kopers,ook bij erfgenaam of legataris, elke overdracht onder levenden ten…” (deed in Dutch)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- 31 May at 18:00
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- One provision in the deed