PEETERS CIS
ActivePEETERS CIS has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €822k and a net result of €172k. Equity is growing by ~7.3% per year across the filed fiscal years. Its solvency ranks better than 74% of 1199 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▲+3
Solvency89▼-11
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 2.53 against 4.43 in 2024; short-term debt: 35.7% and cash: 10.9% of total assets), and 36.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 81
Relative position
BE, all sectors
reference
Sector 81
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
63.8%
Return on assets
13.4%
Age of the figures
9 mo
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 12-05-2026, 80 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
80 d early
2024
23 d early
2023
5 d early
2022
20 d early
2021
37 d early
2020
61 d late
2019
90 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€822k▼ 14.7%
2024 · €964k
2018: €555k
2019: €675k
2020: €732k
2021: €765k
2022: €805k
2023: €953k
2024: €964k
2018 → 2025
Total assets
€1.29M▲ 5.4%
2024 · €1.22M
2018: €693k
2019: €853k
2020: €981k
2021: €942k
2022: €956k
2023: €1.11M
2024: €1.22M
2018 → 2025
Net result
€172k▲ 30.0%
2024 · €132k
2018: €135k
2019: €121k
2020: €131k
2021: €100k
2022: €83k
2023: €148k
2024: €132k
2018 → 2025
Working capital
€703k▼ 19.3%
2024 · €871k
2018: €497k
2019: €572k
2020: €538k
2021: €583k
2022: €632k
2023: €826k
2024: €871k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€765k-€805k▲ 5.2%€953k▲ 18.4%€964k▲ 1.2%€822k▼ 14.7%
Operating result€133k-€147k▲ 10.6%€176k▲ 19.7%€195k▲ 10.9%€194k▼ 0.8%
Net result€100k-€83k▼ 17.5%€148k▲ 78.6%€132k▼ 10.4%€172k▲ 30.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.29M
Fixed assets
€126k▲ 28.4%
Current assets
€1.16M▲ 3.4%
Equity and liabilities €1.29M
Equity
€822k▼ 14.7%
Debt
€466k▲ 80.7%
The debt ratio rises from 21.1% to 36.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€235k▼
2024 · €240k
Cash flow
€214k▲
2024 · €177k
Solvency
63.8%▼
2024 · 78.9%
Current ratio
2.53▼
2024 · 4.43
Quick ratio
2.50▼
2024 · 4.39
Debt / equity
0.57▲
2024 · 0.27
ROE
20.9%▲
2024 · 13.7%
ROA
13.4%▲
2024 · 10.8%
Interest coverage
45.63▼
2024 · 50.03
Debt
€466k▲
2024 · €258k
Debt ≤ 1 year
€460k▲
2024 · €253k
Income taxes
€66k▲
2024 · €63k
Staff costs
€241k▼
2024 · €273k
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€1.22M€1.29M▲
Fixed assets21/28€98k€126k▲
Tangible fixed assets22/27€98k€126k▲
Land and buildings22€0-
Plant, machinery and equipment23€35k€29k▼
Furniture and vehicles24€63k€97k▲
Current assets29/58€1.12M€1.16M▲
Stocks and contracts in progress3€12k€13k▲
Stocks30/36€12k€13k▲
Amounts receivable within one year40/41€111k€124k▲
Trade receivables40€111k€124k▲
Other amounts receivable41€32€0▼
Current investments50/53€676k€878k▲
Cash at bank and in hand54/58€323k€140k▼
Deferred charges and accrued income490/1€2k€7k▲
Equity and liabilities
Total equity and liabilities10/49€1.22M€1.29M▲
Equity10/15€964k€822k▼
Contributions10/11€19k€19k=
Reserves13€946k€804k▼
Distributable reserves133€946k€804k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€258k€466k▲
Amounts payable within one year42/48€253k€460k▲
Trade debts44€34k€58k▲
Suppliers440/4€34k€58k▲
Taxes, remuneration and social security45€63k€45k▼
Taxes450/3€40k€25k▼
Remuneration and social security454/9€24k€20k▼
Other amounts payable47/48€156k€358k▲
Accrued charges and deferred income492/3€4k€6k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€273k€241k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€44k€42k▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€515k€479k▼
Operating profit (loss)9901€195k€194k▼
Financial income75/76B€5k€50k▲
Recurring financial income75€5k€50k▲
Non-recurring financial income76B€0-
Financial charges65/66B€5k€5k▲
Recurring financial charges65€5k€5k▲
Profit (loss) for the period before taxes9903€196k€238k▲
Income taxes67/77€63k€66k▲
Profit (loss) for the period9904€132k€172k▲
Profit (loss) for the period to be appropriated9905€132k€172k▲
Appropriation of the result
Profit (loss) to be appropriated9906€132k€172k▲
Transfer from equity791/2€121k€314k▲
Transfer to equity691/2€132k€172k▲
To other reserves6921€132k€172k▲
Profit to be distributed694/7€121k€314k▲
Return on contributions (dividend)694€121k€314k▲
Social balance
Average headcount (FTE)90875.64.9▼
The notes to these accounts (18 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
12-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €172k ▲30%
Net result €172k, the highest in the series.
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €83k ▼17.5%
Net result drops to €83k, the lowest in the series; recovery starts the following year.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 61 days late
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 90 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 28 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Kalmthout · 1 establishment unit since 1998
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.
Kruisbos (C) 132920 KalmthoutGround area
1,977 m²
Building footprint
215 m²
Volume, LiDAR
1,347 m³
Parcel 11022G0299/00R000, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kruisbos (Ab) 13, 2920 Kalmthout
since 19982.087.106.537
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11022G0299/00R000 | Flanders | 1,977 m² | 1 · 215 m² | 10.2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 1,254 EUR awarded · 1,479 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 216 EUR | 216 EUR |
| 2024 | 1 | 0 EUR | 225 EUR |
| 2023 | 1 | 396 EUR | 396 EUR |
| 2022 | 1 | 642 EUR | 642 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteKalmthout2.087.106.537
Dual-learning approval
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Of 21,216 companies in sector 81300 we hold annual accounts for 4,363. 2,118 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-05-1998
Fiscal year end31-12
Activities, NACEBEL
01410Raising of dairy cattle
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.