PEETERS & PARTNERS
ActivePEETERS & PARTNERS has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.33M and a net result of €349k. Equity is growing by ~17.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 12642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▲+3
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €300k at 30 days acceptable
Liquidity ample (current ratio 31.63 against 54.12 in 2024; short-term debt: 2.7% and cash: 33.7% of total assets), and 2.7% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
97.3%
Return on assets
10.2%
Age of the figures
15 mo
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
2 d late
2024
on the day
2023
on the day
2022
6 d early
2021
40 d early
2020
44 d early
2019
28 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3.33M▲ 5.0%
2024 · €3.17M
2019: €1.29M
2020: €1.49M
2021: €1.74M
2022: €2.36M
2023: €2.92M
2024: €3.17M
2019 → 2025
Total assets
€3.42M▲ 6.3%
2024 · €3.22M
2019: €1.36M
2020: €1.53M
2021: €1.75M
2022: €2.37M
2023: €2.99M
2024: €3.22M
2019 → 2025
Net result
€349k▲ 39.1%
2024 · €251k
2019: €239k
2020: €201k
2021: €251k
2022: €615k
2023: €565k
2024: €251k
2019 → 2025
Working capital
€2.83M▲ 8.4%
2024 · €2.61M
2019: €595k
2020: €825k
2021: €1.11M
2022: €1.70M
2023: €2.45M
2024: €2.61M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.74M-€2.36M▲ 35.3%€2.92M▲ 24.0%€3.17M▲ 8.6%€3.33M▲ 5.0%
Operating result€355k-€795k▲ 124%€814k▲ 2.4%€286k▼ 64.8%€268k▼ 6.3%
Net result€251k-€615k▲ 145%€565k▼ 8.2%€251k▼ 55.6%€349k▲ 39.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 6% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.42M
Fixed assets
€505k▼ 10.5%
Current assets
€2.92M▲ 9.8%
Equity and liabilities €3.42M
Equity
€3.33M▲ 5.0%
Debt
€92k▲ 87.9%
The debt ratio rises from 1.5% to 2.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€304k▲
2024 · €297k
Cash flow
€384k▲
2024 · €262k
Solvency
97.3%▼
2024 · 98.5%
Current ratio
31.63▼
2024 · 54.12
Quick ratio
31.63▼
2024 · 54.12
Debt / equity
0.03▲
2024 · 0.02
ROE
10.5%▲
2024 · 7.9%
ROA
10.2%▲
2024 · 7.8%
Interest coverage
36.45▼
2024 · 5093.79
Debt
€92k▲
2024 · €49k
Debt ≤ 1 year
€92k▲
2024 · €49k
Income taxes
€138k▲
2024 · €116k
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€3.22M€3.42M▲
Fixed assets21/28€564k€505k▼
Tangible fixed assets22/27€303k€258k▼
Land and buildings22€148k€141k▼
Plant, machinery and equipment23€577€4k▲
Furniture and vehicles24€154k€113k▼
Financial fixed assets28€261k€247k▼
Current assets29/58€2.66M€2.92M▲
Amounts receivable after more than one year29€3k€2k▼
Other amounts receivable291€3k€2k▼
Current investments50/53€1.52M€1.71M▲
Cash at bank and in hand54/58€1.09M€1.15M▲
Deferred charges and accrued income490/1€45k€55k▲
Equity and liabilities
Total equity and liabilities10/49€3.22M€3.42M▲
Equity10/15€3.17M€3.33M▲
Contributions10/11€194k€194k=
Reserves13€2.94M€3.10M▲
Distributable reserves133€2.94M€3.10M▲
Profit (loss) carried forward14€38k€38k=
Amounts payable17/49€49k€92k▲
Amounts payable within one year42/48€49k€92k▲
Trade debts44€1k€889▼
Suppliers440/4€1k€889▼
Taxes, remuneration and social security45€48k€91k▲
Taxes450/3€48k€91k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€36k▲
Other operating charges640/8€3k€1k▼
Gross operating margin9900€300k€305k▲
Operating profit (loss)9901€286k€268k▼
Financial income75/76B€81k€227k▲
Recurring financial income75€81k€227k▲
Financial charges65/66B€58€8k▲
Recurring financial charges65€58€8k▲
Profit (loss) for the period before taxes9903€367k€487k▲
Income taxes67/77€116k€138k▲
Profit (loss) for the period9904€251k€349k▲
Profit (loss) for the period to be appropriated9905€251k€349k▲
Appropriation of the result
Profit (loss) to be appropriated9906€289k€387k▲
Profit (loss) brought forward from the previous period14P€38k€38k=
Transfer from equity791/2-€190k
Transfer to equity691/2€251k€349k▲
To other reserves6921€251k€349k▲
Profit to be distributed694/7-€190k
Return on contributions (dividend)694-€190k
The notes to these accounts (8 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
02-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 2 days late
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Highest result since 2019net €615k ▲145%
Net result €615k, the highest in the series.
30-06
Financial
Equity above €2MEq €2.36M ▲35.3%
4 profitable years in a row build equity to €2.36M.
2021
22-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Liquidity times 6current ratio 117.61
Current ratio from 20.06 to 117.61; short-term debt falls from €43k to €10k.
2020
18-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Weakest financial yearnet €201k ▼15.5%
Net result drops to €201k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity doublescurrent ratio 20.06
Current ratio from 9.77 to 20.06; short-term debt falls from €68k to €43k.
03-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
21-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
21-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
19-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Waasmunster · 1 establishment unit since 1992
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.
Smoorstraat 339250 WaasmunsterGround area
2,166 m²
Building footprint
212 m²
Volume, LiDAR
1,420 m³
Parcel 42023B1573/00E000, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Smoorstraat 33, 9250 Waasmunster
since 19922.057.288.539
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42023B1573/00E000 | Flanders | 2,166 m² | 1 · 212 m² | 10.1 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.
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RBB Belgium
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MONEYOAK
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Of 2,756 companies in sector 69109 we hold annual accounts for 1,208. 260 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-03-1992
Fiscal year end30-06
Activities, NACEBEL
69109Other legal services
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.