PEGGY HEYMANS CONSULTING
ActivePEGGY HEYMANS CONSULTING has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €131k and a net result of €30k. Equity is growing by ~26.5% per year across the filed fiscal years. Its solvency ranks better than 80% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▲+2
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 4.4 against 2.94 in 2024; short-term debt: 17% and cash: 2.4% of total assets), and 17% 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
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 2025Solvency, return and age of the figures
Solvency
83%
Return on assets
19%
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 25-08-2026, 25 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 · 5 filingsDeviation from the deadline
2025
25 d late
2024
33 d early
2023
59 d late
2022
4 d early
2021
32 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€131k▲ 26.7%
2024 · €104k
2021: €53k
2022: €64k
2023: €80k
2024: €104k
2021 → 2025
Total assets
€158k▲ 17.8%
2024 · €134k
2021: €83k
2022: €109k
2023: €118k
2024: €134k
2021 → 2025
Net result
€30k▲ 29.0%
2024 · €23k
2021: €48k
2022: €11k
2023: €17k
2024: €23k
2021 → 2025
Working capital
€91k▲ 53.5%
2024 · €59k
2021: €23k
2022: €33k
2023: €50k
2024: €59k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€53k-€64k▲ 21.1%€80k▲ 26.4%€104k▲ 28.9%€131k▲ 26.7%
Operating result€70k-€22k▼ 68.5%€31k▲ 42.3%€35k▲ 10.9%€47k▲ 36.7%
Net result€48k-€11k▼ 76.7%€17k▲ 51.5%€23k▲ 38.6%€30k▲ 29.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 37% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €158k
Fixed assets
€40k▼ 9.4%
Current assets
€118k▲ 31.1%
Equity and liabilities €158k
Equity
€131k▲ 26.7%
Debt
€27k▼ 12.5%
The debt ratio falls from 22.8% to 17.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€53k▲
2024 · €38k
Cash flow
€35k▲
2024 · €27k
Solvency
83.0%▲
2024 · 77.2%
Current ratio
4.40▲
2024 · 2.94
Quick ratio
4.40▲
2024 · 2.94
Debt / equity
0.20▼
2024 · 0.30
ROE
22.8%▲
2024 · 22.4%
ROA
19.0%▲
2024 · 17.3%
Interest coverage
12.61▲
2024 · 8.90
Debt
€27k▼
2024 · €31k
Debt ≤ 1 year
€27k▼
2024 · €31k
Income taxes
€13k▲
2024 · €7k
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€134k€158k▲
Fixed assets21/28€44k€40k▼
Tangible fixed assets22/27€44k€40k▼
Plant, machinery and equipment23€42k€38k▼
Furniture and vehicles24€2k€2k▲
Current assets29/58€90k€118k▲
Amounts receivable within one year40/41€89k€114k▲
Trade receivables40€11k€15k▲
Other amounts receivable41€78k€98k▲
Cash at bank and in hand54/58€1k€4k▲
Deferred charges and accrued income490/1€56€592▲
Equity and liabilities
Total equity and liabilities10/49€134k€158k▲
Equity10/15€104k€131k▲
Contributions10/11€5k€5k=
Reserves13€91k€118k▲
Distributable reserves133€91k€118k▲
Profit (loss) carried forward14€8k€9k▲
Amounts payable17/49€31k€27k▼
Amounts payable within one year42/48€31k€27k▼
Current portion of amounts payable after more than one year42-€4k
Trade debts44€7k-
Suppliers440/4€7k-
Taxes, remuneration and social security45€23k€22k▼
Taxes450/3€23k€18k▼
Remuneration and social security454/9-€4k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€41k€54k▲
Operating profit (loss)9901€35k€47k▲
Financial income75/76B€4€0▼
Recurring financial income75€4€0▼
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€30k€43k▲
Income taxes67/77€7k€13k▲
Profit (loss) for the period9904€23k€30k▲
Profit (loss) for the period to be appropriated9905€23k€30k▲
Appropriation of the result
Profit (loss) to be appropriated9906€28k€35k▲
Profit (loss) brought forward from the previous period14P€4k€5k▲
Transfer to equity691/2€20k€27k▲
To other reserves6921€20k€27k▲
The notes to these accounts (5 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
28-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €104k ▲28.9%
4 profitable years in a row build equity to €104k.
28-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 59 days late
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €11k ▼76.7%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Ninove · 1 establishment unit since 2020
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.
Stenebrug 439402 NinoveGround area
944 m²
Building footprint
190 m²
Volume, LiDAR
996 m³
Parcel 41038A0222/00K000, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PEGGY HEYMANS CONSULTING
since 20202.303.287.071
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41038A0222/00K000 | Flanders | 944 m² | 1 · 190 m² | 8.1 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.
Similar companies · same sector, comparable size
Garage Slembrouck
BE 0831.928.715
Comines-Warneton · Eq €131k
Medaer Véronique
BE 0667.817.185
Zaventem · Eq €131k
TACTIM
BE 0677.765.229
Oudergem · Eq €131k
KE-JO Invest
BE 0775.303.182
Maldegem · Eq €131k
Comptoir Américain
BE 0763.850.254
Vorst · Eq €131k
Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 40,855 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-06-2020
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82200Office administrative, office support and other business support activities
82300Organisation of conventions and trade shows
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:peggy.heymans73@telenet.be
Phone:+32497502575