PEKO
ActivePEKO has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6k and a net result of €70k. Equity is shrinking by ~18.3% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 21% of 11185 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency12▼-64
Growth32=
Stability100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.96 against 1.7 in 2024), and 96.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
3.1%
Return on assets
34.8%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 11185 sector peers (2025).
NBB · sector comparisonPosition among 11185 sector peers
Solvency
better than 21%
← weakest
strongest →
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 30-03-2026, 123 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
123 d early
2024
128 d early
2023
33 d early
2022
17 d early
2021
9 d early
2020
31 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€6k▼ 93.8%
2024 · €101k
2020: €140k
2021: €183k
2022: €193k
2023: €157k
2024: €101k
2020 → 2025
Total assets
€201k▼ 22.3%
2024 · €258k
2020: €261k
2021: €237k
2022: €237k
2023: €277k
2024: €258k
2020 → 2025
Net result
€70k▲ 53.9%
2024 · €45k
2020: €135k
2021: €43k
2022: €10k
2023: €39k
2024: €45k
2020 → 2025
Working capital
€-8k
2024 · €93k
2020: €113k
2021: €111k
2022: €139k
2023: €115k
2024: €93k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€183k-€193k▲ 5.7%€157k▼ 18.6%€101k▼ 35.7%€6k▼ 93.8%
Operating result€54k-€15k▼ 72.1%€51k▲ 235%€60k▲ 18.4%€91k▲ 51.2%
Net result€43k-€10k▼ 75.5%€39k▲ 274%€45k▲ 16.1%€70k▲ 53.9%
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 51% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €201k
Fixed assets
€15k▼ 56.6%
Current assets
€186k▼ 17.2%
Equity and liabilities €201k
Equity
€6k▼ 93.8%
Debt
€194k▲ 23.8%
The debt ratio rises from 60.8% to 96.9%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€112k▲
2024 · €83k
Cash flow
€91k▲
2024 · €68k
Solvency
3.1%▼
2024 · 39.2%
Current ratio
0.96▼
2024 · 1.70
Quick ratio
0.75▼
2024 · 1.51
Debt / equity
30.91▲
2024 · 1.55
ROA
34.8%▲
2024 · 17.5%
Interest coverage
47.13▲
2024 · 39.12
Debt
€194k▲
2024 · €157k
Debt ≤ 1 year
€194k▲
2024 · €132k
Debt > 1 year
€0▼
2024 · €4k
Income taxes
€19k▲
2024 · €13k
Staff costs
€127
A ratio outside any meaningful range has been withheld (balance sheet total €201k, equity €6k).
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€258k€201k▼
Fixed assets21/28€34k€15k▼
Tangible fixed assets22/27€34k€15k▼
Plant, machinery and equipment23€2k€3k▲
Furniture and vehicles24€32k€11k▼
Current assets29/58€225k€186k▼
Stocks and contracts in progress3€26k€41k▲
Stocks30/36€26k€41k▲
Amounts receivable within one year40/41€63k€12k▼
Trade receivables40€62k€5k▼
Other amounts receivable41€424€7k▲
Cash at bank and in hand54/58€136k€133k▼
Deferred charges and accrued income490/1€421€429▲
Equity and liabilities
Total equity and liabilities10/49€258k€201k▼
Equity10/15€101k€6k▼
Contributions10/11€5k€5k=
Reserves13€96k€1k▼
Distributable reserves133€96k€1k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€157k€194k▲
Amounts payable after more than one year17€4k€0▼
Financial debts170/4€4k€0▼
Amounts payable within one year42/48€132k€194k▲
Current portion of amounts payable after more than one year42€9k€4k▼
Trade debts44€3k€103▼
Suppliers440/4€3k€103▼
Taxes, remuneration and social security45€8k€2k▼
Taxes450/3€8k€2k▼
Other amounts payable47/48€111k€188k▲
Accrued charges and deferred income492/3€21k€0▼
Income statement
Code20242025
Non-recurring operating income76A-€999
Remuneration, social security and pensions62-€127
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€22k▼
Other operating charges640/8€1k€860▼
Gross operating margin9900€84k€113k▲
Operating profit (loss)9901€60k€91k▲
Financial income75/76B€3€4▲
Recurring financial income75€3€4▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€58k€88k▲
Income taxes67/77€13k€19k▲
Profit (loss) for the period9904€45k€70k▲
Profit (loss) for the period to be appropriated9905€45k€70k▲
Appropriation of the result
Profit (loss) to be appropriated9906€45k€70k▲
Transfer from equity791/2€56k€95k▲
Profit to be distributed694/7€101k€165k▲
Return on contributions (dividend)694€101k€165k▲
The notes to these accounts (10 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
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €10k ▼75.5%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity triplescurrent ratio 6.69
Current ratio from 2.11 to 6.69; short-term debt falls from €102k to €20k.
31-12
Financial
Equity above €150kEq €183k ▲30.4%
2 profitable years in a row build equity to €183k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
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, Dilsen-Stokkem · 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.
Korversstraat 173650 Dilsen-StokkemGround area
279 m²
Building footprint
88 m²
Parcel 73081A0695/00P000, Flanders. Linked by address, not a title deed.
1 establishment unit
PEKO
since 20202.298.652.748
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73081A0695/00P000 | Flanders | 279 m² | 1 · 88 m² | - |
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
MUR-MUR
BE 0828.100.975
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ETINCEL
BE 0454.158.255
Waterloo · Eq €6k
LUXURY SELECTION
BE 0766.906.447
Sint-Jans-Molenbeek · Eq €6k
Chique Workx
BE 0746.706.592
Heist-op-den-Berg · Eq €6k
G. IDEA
BE 0474.548.843
Herentals · Eq €6k
Of 1,733 companies in sector 46150 we hold annual accounts for 750. 300 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-01-2020
Fiscal year end31-12
Activities, NACEBEL
46150Agents in the wholesale of furniture, household goods and hardware
18120Other printing
43222Installation of electric heating, air conditioning, cooling and ventilation
47784Retail sale of souvenirs and religious articles
47786Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.