PEETERS-GOVERS
ActiveSummary
PEETERS-GOVERS has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €18.09M and a net result of €1.71M. Its solvency ranks better than 66% of 59 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2026
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability85▼-13
Solvency93▼-1
Growth22
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €130k at 30 days acceptable
Liquidity short (current ratio 0.87 against 1.1 in 2025; short-term debt: 23.5% and cash: 2.5% of total assets), and 32.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 2026Solvency, return and age of the figures
Solvency
67.9%
Return on assets
6.4%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 28-08-2026, 3 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2026
3 d early
2025
2 d early
2024
5 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 31-01-2027 and is due by 31-08-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-01-2027 close31-08-2027 deadline
Financials · fiscal year 2026, full schema
Turnover
€1.35M▼ 20.0%
2025 · €1.69M
2025: €1.69M
2025 → 2026
EBIT margin
130.0%▲ 45.4pp
2025 · 84.5%
2025: 84.5%
2025 → 2026
Net result
€1.71M▼ 73.7%
2025 · €6.50M
2025: €6.50M
2025 → 2026
Working capital
€-830k
2025 · €653k
2025: €653k
2025 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20252026Trend
Turnover€1.69M-€1.35M▼ 20.0%
Equity€19.49M-€18.09M▼ 7.2%
Operating result€1.43M-€1.75M▲ 22.9%
Net result€6.50M-€1.71M▼ 73.7%
Result per fiscal year
Operating resultNet result
The operating result rises in 2026; 2026 is 23% above 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €26.66M
Fixed assets
€21.21M ▲ 0.2%
Current assets
€5.45M ▼ 23.0%
Equity and liabilities €26.66M
Equity
€18.09M ▼ 7.2%
Debt
€8.57M ▼ 2.0%
Debt's share of the balance-sheet total rises from 31.0% to 32.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€1.85M▲
2025 · €1.50M
Cash flow
€1.80M▼
2025 · €6.58M
Current ratio
0.87▼
2025 · 1.10
Debt to equity
0.47▲
2025 · 0.45
ROE
9.4%▼
2025 · 33.4%
ROA
6.4%▼
2025 · 23.0%
Interest coverage
8.96▲
2025 · 6.21
Debt ≤ 1 year
€6.28M▼
2025 · €6.42M
Debt > 1 year
€2.29M▼
2025 · €2.32M
Income taxes
€572k▲
2025 · €304k
Staff costs
€1.84M▲
2025 · €1.79M
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 · 2026 against 2025 · 90 lines
Balance sheet
Code20252026
Assets
Total assets20/58€28.23M€26.66M▼
Fixed assets21/28€21.16M€21.21M▲
Intangible fixed assets21€8k€3k▼
Tangible fixed assets22/27€202k€288k▲
Plant, machinery and equipment23€41k€45k▲
Furniture and vehicles24€161k€244k▲
Financial fixed assets28€20.95M€20.92M▼
Affiliated companies280/1€20.95M€20.92M▼
Participating interests280€20.95M€20.92M▼
Other financial fixed assets284/8€0-
Shares284€0-
Amounts receivable and cash guarantees285/8€0-
Current assets29/58€7.07M€5.45M▼
Amounts receivable after more than one year29€3.00M€2.77M▼
Other amounts receivable291€3.00M€2.77M▼
Stocks and contracts in progress3€0€0=
Amounts receivable within one year40/41€1.46M€1.77M▲
Trade receivables40€1.25M€1.09M▼
Other amounts receivable41€214k€677k▲
Current investments50/53€0-
Other investments51/53€0-
Cash at bank and in hand54/58€2.50M€664k▼
Deferred charges and accrued income490/1€111k€239k▲
Equity and liabilities
Total equity and liabilities10/49€28.23M€26.66M▼
Equity10/15€19.49M€18.09M▼
Contributions10/11€731k€731k=
Capital10€715k€715k=
Issued capital100€715k€715k=
Outside capital11€16k€16k=
Share premium1100/10€16k€16k=
Reserves13€18.76M€17.36M▼
Non-distributable reserves130/1€85k€85k=
Legal reserve130€85k€85k=
Tax-exempt reserves132€146k€357k▲
Distributable reserves133€18.53M€16.92M▼
Profit (loss) carried forward14€3k€1k▼
Amounts payable17/49€8.74M€8.57M▼
Amounts payable after more than one year17€2.32M€2.29M▼
Financial debts170/4€1.46M€1.46M▲
Credit institutions173€57k€63k▲
Other loans174€1.40M€1.40M=
Other amounts payable178/9€861k€828k▼
Amounts payable within one year42/48€6.42M€6.28M▼
Current portion of amounts payable after more than one year42€54k€95k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€601k€794k▲
Suppliers440/4€601k€794k▲
Taxes, remuneration and social security45€485k€338k▼
Taxes450/3€235k€51k▼
Remuneration and social security454/9€251k€288k▲
Other amounts payable47/48€5.28M€5.05M▼
Accrued charges and deferred income492/3€9k€0▼
Income statement
Code20252026
Operating income70/76A€9.19M€8.63M▼
Turnover70€1.69M€1.35M▼
Other operating income74€7.50M€7.28M▼
Non-recurring operating income76A-€826
Operating charges60/66A€7.76M€6.88M▼
Services and other goods61€3.89M€4.28M▲
Remuneration, social security and pensions62€1.79M€1.84M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€76k€94k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€1.58M€-58k▼
Other operating charges640/8€428k€716k▲
Operating profit (loss)9901€1.43M€1.75M▲
Financial income75/76B€5.64M€748k▼
Recurring financial income75€5.64M€223k▼
Income from financial fixed assets750€5.60M€143k▼
Income from current assets751€41k€80k▲
Other financial income752/9€138€56▼
Non-recurring financial income76B-€525k
Financial charges65/66B€259k€219k▼
Recurring financial charges65€259k€219k▼
Debt charges650€242k€206k▼
Other financial charges652/9€17k€13k▼
Profit (loss) for the period before taxes9903€6.81M€2.28M▼
Income taxes67/77€304k€572k▲
Taxes670/3€304k€572k▲
Profit (loss) for the period9904€6.50M€1.71M▼
Transfer from tax-exempt reserves789€80k€0▼
Transfer to tax-exempt reserves689€105k€211k▲
Profit (loss) for the period to be appropriated9905€6.48M€1.50M▼
Appropriation of the result
Profit (loss) to be appropriated9906€7.66M€1.50M▼
Profit (loss) brought forward from the previous period14P€1.19M€3k▼
Transfer from equity791/2€448k€1.61M▲
From reserves792€448k€1.61M▲
Profit to be distributed694/7€8.11M€3.11M▼
Return on contributions (dividend)694€7.51M€3.00M▼
Directors or managers695€490k€0▼
Other beneficiaries697€110k€110k=
Social balance
Average headcount (FTE)908719.718.7▼
The notes to these accounts (76 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 2027, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2026 · full schema
07-08
State Gazette act
Appointment: BV VYVEY & C°, BEDRIJFSREVISOREN (statutory auditor)2 facts ▸
State Gazette act
Appointment: BV VYVEY & C°, BEDRIJFSREVISOREN (statutory auditor)
2 facts ▸
- General meeting, 31/07/2025
- Auditor appointment, BV VYVEY & C°, BEDRIJFSREVISOREN (statutory auditor)
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2024
05-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 5 days late
State Gazette actNBB filing
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Lille · 1 establishment unit since 2023
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.
Kloosterstraat 582275 LilleGround area
1.9 ha
Building footprint
8,638 m²
Volume, LiDAR
63,509 m³
Parcel 13009C0717/00X006, Flanders · tallest building 9.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Peeters-Govers
since 20232.347.501.552
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13009C0717/00X006 | Flanders | 1.9 ha | 1 · 8,638 m² | 9.6 m · 3 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.
Statutory auditor
1 auditor| VYVEY & C°, BEDRIJFSREVISORENCurrent Statutory auditor | 07-08-2026 → present |
Structure & network
Ownership & control
5 board mandatesBoard mandates of this companythis company sits on their board5
1 location
1 location
1 location
1 location
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 4,175 EUR awarded · 4,175 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 4,175 EUR | 4,175 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
Recognitions · licences · registrations
Quality registration as a provider
1 live approvalQuality registration as a provider
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 4,383 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
Founded19-07-2023
Fiscal year end31-01
Activities, NACEBEL 2025
70200Business and other management consultancy
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.