Equity
-€20,894
Debts exceed assets in financial year 2025.
PEGIBE
Lifetime
20 annual accounts with figures on one time axis, 45 filings since 1981peak €782,854 (2010)
€425,986▼ 7.4%
lowest -€100,876 (2024)
-€46,704▲ €54,172
peak €126,687 (2023)
-€20,894▼ €46,704
€303,592▼ 24.0%
peak 18.9 FTE (2015)
9.2 FTE▼ 22.0%
Board7 names since 2018
2 directorsMYLORD INVEST and 1 other
Documentsfilings and deeds
08-07-202623 days before the deadline
2025financial year
Loss of €46,704Staff from 11.8 FTE to 9.2 FTE1 director appointed, 2 resignations 18-03Equity from €25,811 to -€20,894Debts from €399,496 to €303,592Cash from €71,877 to €1,788
Key points
from the 2025 annual accountsLosses
-€147,580 in two years
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
Debts
€303,592 107% of the balance sheet
Financial debts 55%Suppliers 18%Taxes and wages 27%
Of this, €303,394 falls due within a year.
Staff
9.2 FTE from 18.9 in 2015
Between 2015 and 2025, 51% of the full-time equivalents disappeared.
Filings
45 annual accounts since 1981
Seven of the last ten came late. The 2023 accounts came latest: 61 days after the end of the period.
Position in the sector
-€46,704
Lower net result than 84% of companies in food and beverage service. Sector median €9,699 · 964 companies.
Checked score
30
Weak
Financially stronger than 10% of micro companies in food and beverage service (NACE 56)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
8.9% Elevated
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.8% across 23,788 companies (NACE 56, micro).
About 9 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.5%
01-2025: 0.5%● unchanged vs 12-2024
02-2025: 0.5%● unchanged vs 01-2025
03-2025: 0.5%● unchanged vs 02-2025
04-2025: 0.5%● unchanged vs 03-2025
05-2025: 0.5%● unchanged vs 04-2025
06-2025: 0.5%● unchanged vs 05-2025
07-2025: 0.5%● unchanged vs 06-2025lowest value
08-2025: 3.6%▲ +3.1 percentage points vs 07-2025
09-2025: 3.6%● unchanged vs 08-2025
10-2025: 3.6%● unchanged vs 09-2025
11-2025: 3.6%● unchanged vs 10-2025
12-2025: 3.6%● unchanged vs 11-2025
01-2026: 3.6%● unchanged vs 12-2025
02-2026: 3.6%● unchanged vs 01-2026
03-2026: 3.5%▼ -0.1 percentage points vs 02-2026
04-2026: 3.5%● unchanged vs 03-2026
05-2026: 3.3%▼ -0.2 percentage points vs 04-2026
06-2026: 3.2%▼ -0.1 percentage points vs 05-2026
07-2026: 3.3%▲ +0.1 percentage points vs 06-2026
08-2026: 8.9%▲ +5.6 percentage points vs 07-2026highest value
09-2026: 8.9%● unchanged vs 08-2026highest value
10-2026: 8.9%● unchanged vs 09-2026highest value
11-2026: 8.9%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Negative equity -€20,894
Sector: Food and beverage service activities (NACE 56)
Loss of €46,704, the second in a row (financial year 2025)
1 of the last 3 accounts late
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 56, micro). It does better than 23% of them on solvency, 2% on liquidity, 8% on profitability and 4% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,619 companies had the same profile as PEGIBE has now. Each dot stands for 17 companies, two years later.
84.5%
were still trading
10.0%
stopped another way
4.5%
went bankrupt
Another 1.0% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of PEGIBE itself is higher: 8.9% within 12 months. It rests on far more data about PEGIBE than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,619 companies, not a prediction for PEGIBE. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.72 (0.92 in 2024), below 1. Short-term debt is 107.3% and cash 0.6% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
raises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€20,894
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 days early
2024
14 days early
2023
61 days late
2022
50 days late
2021
59 days late
2020
55 days late
2019
28 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 31 days after the deadline. In the sector (NACE 56), the median for financial year 2024 was 7 days after the deadline, and 53% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 19 September (4 of the last 5 accounts filed within 64 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0421518844
1 director appointed, 2 resignations
Resignations: Jean-Paul JORION (chair of the board) and John PENNINCK · Appointment: MYLORD INVEST (chair of the board) · Permanent representative: Martín SIMONART · General meeting of 21-01-2025 · Gazette deed
4 directors appointed, 3 resignations
Resignations: Christophe THOMAES, Lisbeth SADOINE and ESCOFFIMMO SA (managing director) · Appointments: SRL MYLORD INVEST (managing director), Jean-Paul JORION (chair of the board), John PENNINCK and Nuria SOCORRO PALOMINO · Permanent representative: Martin SIMONART · General meeting of 13-02-2024 · Gazette deed
1 director appointed, 3 reappointments
Reappointments: Escoffimmo, Thomaes Christophe and Sadoine Lisbeth · Permanent representative: Thomaes Jean-Baptiste · Appointment: Escoffimmo (managing director) · General meeting of 21-05-2018 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| PEGIBE Ellezelles | €282,698 | €425,986 | -7.4% | 9.2 |
| FIM ADVICE Ternat | €241,043 | €478,496 | 39.5% | 8.6 |
| HORECATH Ath | €332,345 | €490,700 | 25.3% | 11.1 |
| Nanouche and Co Lasne | €235,757 | €486,049 | 26.2% | 9.7 |
| DE DRIJ LINDEKENS Schilde | €245,200 | €430,261 | 61.2% | 11.4 |
| LES HALLES Gembloux | €252,401 | €569,814 | 44.4% | 10.4 |
| WIMAR Hasselt | €272,823 | €495,350 | 32.6% | 10.6 |
These companies have the same main activity as PEGIBE: full-service restaurants (NACE 56111). They are comparable in size and age: total assets between €236,000 and €332,000, founded between 1976 and 1993.
Official details
Source: KBO- Status
- Active since 21-04-1981Normal situation
- Activity
- Full-service restaurantsNACE 56111
- Joint committee
- 302Hotels and catering · annual accounts 2025
- Establishment unit
- 2.035.670.5067890 Ellezelles, since 01-07-1981
- Financial year end
- 31 December
- Peppol
- Reachable since 22-11-2025
Annual accounts 2025
- ≈ €1.0mestimated
- €282,698▼ 33.5%
- Employeeson 31-12-2025
- 9▼ 18.2%
- Filing
- Filed on 08-07-2026, 23 days before the end of the filing period
Insights on PEGIBE
PEGIBE has existed since 1981. The gross margin grew from €337,423 in 2006 to €425,986 in 2025.
Solvency fell in 2025 from 6.1% to -7.4% because of the loss.
In May 2024, three directors stepped down. In May 2024, the Official Gazette published the appointment of MYLORD INVEST as managing director.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about PEGIBE
- What is the company number of PEGIBE?
- The company number of PEGIBE is 0421.518.844. The VAT number is the same number with BE in front: BE 0421.518.844.
- Where is PEGIBE based?
- The registered office is at Rue Saint-Mortier 35, 7890 Ellezelles.Company details
- What does PEGIBE do?
- According to the KBO register, the main activity is full-service restaurants (NACE 56111).
- What is the legal form of PEGIBE?
- PEGIBE is a public limited company (NV).
- When was PEGIBE founded?
- PEGIBE was founded on 21-04-1981.
- Is PEGIBE still active?
- Yes, PEGIBE is an active enterprise in the KBO register.
- How many employees does PEGIBE have?
- PEGIBE had an average of 9.2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does PEGIBE fall under?
- In its 2025 annual accounts, PEGIBE states joint committee 302 (Hotels and catering).
- What is the turnover of PEGIBE?
- The turnover in financial year 2025 is ≈ €1.0m. This figure is estimated from the gross margin of €425,986 and 41 comparable companies (NACE 56111). It probably lies between €940,000 and €1.4m.
- Is PEGIBE profitable?
- In financial year 2025, PEGIBE made a loss of €46,704.
- Where can I find the annual accounts of PEGIBE?
- PEGIBE filed 45 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of PEGIBE due?
- PEGIBE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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