Active BE 0824.514.450Private limited company

PELU

Broekwinningstraat 9 ·3550 Heusden-Zolder, Belgium· 16 yrs active

Sector: Kappers- en barbiersactiviteiten (96210)

Conclusion Checked

The file of PELU contains 2 historical bankruptcy publications, as published in the Belgian State Gazette. The computed 12-month bankruptcy probability is 0.6% (low). The 2024 annual accounts show equity of €2k and a net result of €1k. Equity is growing by ~33.1% per year across the filed fiscal years. Its solvency ranks better than 39% of 1745 sector peers (fiscal year 2024).

Based on the State Gazette, CBE and 5 annual accounts.

Key figures

Equity	€2k
Net result	€1k
Staff (FTE)	2.6
Better than sector	39%

Snowflake analysis 5 of 5 axes measured · computed by Checked

67 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 58

Profitability 100

Solvency 14

Growth 78

Stability 85

Bankruptcy probability (12 mo) Checked model v1 · free

0.6% Low

0%0,5%1,5%4%10%≥25%

Long track record −Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

20 / 100

Moderate risk

Components

· 2 historical bankruptcy publications (+20)

Trust signals 1 signals

Prior bankruptcy

Earlier bankruptcy on record in the Belgian State Gazette, no current open procedure.

Administrative Flags 0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer FY 2024 · computed

58 / 100 Fair

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Financial overview10 NBB filings

Annual accounts filed on 23-06-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~33.1%/year over 5 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 96, Personal services · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	4.0%	14.6%	better than 39% of 1745 sector peers
Net result	€1k	€1k	better than 48% of 1742 sector peers
Equity	€2k	€5k	better than 41% of 1749 sector peers
Gross operating margin	€100k	€16k	better than 85% of 1741 sector peers
Staff costs	€91k	€26k	higher than 80% of 793 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€3k

-73.8% 18-24

Net profit

€1k

-88.2% 18-24

Cash flow

€2k

-83.7% 18-24

Total assets

€46k

+160.5% 18-24

Equity

€2k

+139.2% 18-24

Working capital

€837

- 18-24

Employees (FTE)

3

-7.1% 18-24

Staff costs

€91k

+7.7% 18-24

Debt

€45k

+161.5% 18-24

Debt ≤ 1y

€45k

+161.5% 18-24

Debt > 1y

€2k

- 18-24

Current ratio

1.02

+6.8% 18-24

Quick ratio

0.94

+37.0% 18-24

Solvency

4.0%

-8.2% 18-24

Debt / equity

24.17

+9.3% 18-24

ROE

58.2%

-95.0% 18-24

ROA

2.3%

-95.5% 18-24

Interest coverage

2.15

-69.6% 18-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€3k
Net profit	€1k
Cash flow	€2k
Staff costs	€91k
Income taxes	-
Dividends	-
Total assets	€46k
Equity	€2k
Debt	€45k
of which ≤ 1y	€45k
of which > 1y	-
Working capital	€837
Employees (FTE)	2.6

Ratios (computed)

	2024
Current ratio	1.02
Quick ratio	0.94
Working capital ratio	1.8%
Solvency	4.0%
Debt / equity	24.17
Long-term debt ratio	-
Interest coverage	2.15
Gross margin	-
Net margin	-
ROA	2.3%
ROE	58.2%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €1k · 2.2% Current assets €45k · 97.8%

Equity & liabilities

Equity €2k · 4.0% Debt €45k · 96.0%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€46k
Fixed assets	21/28	€1k
Tangible fixed assets	22/27	€1k
Current assets	29/58	€45k
Stocks & contracts in progress	3	€4k
Amounts receivable within one year	40/41	€12k
Cash & bank	54/58	€29k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€46k
Equity	10/15	€2k
Contributions / capital	10/11	€9k
Reserves	13	€1k
Accumulated profits (losses)	14	€-8k
Amounts payable	17/49	€45k
Amounts payable within one year	42/48	€45k
Trade debts payable within one year	44	€3k
Income statement
Gross operating margin	9900	€100k
Operating result	9901	€2k
Financial charges	65	€1k
Result before taxes	9903	€1k
Net result for the period	9904	€1k
Result to be appropriated	9905	€1k

You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Directors & mandates 3 directors

Current directors & mandates

Björn Happaerts
Director
State Gazette act 25084406 (07-07-2025)

Current
24-06-2025 → present
Roberta Pellegrini
Director
State Gazette act 25084406 (07-07-2025)

Current
24-06-2025 → present

Former directors (1)

Jean-Marie Girolamo
Director
State Gazette act 25084406 (07-07-2025)

Former
- → 07-07-2025

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Directors & mandates2 persons

Role	Name	Tenure	Source
Curator	DANIEL LIBENS BEEKSTRAAT 26, 3800 SINT-TRUIDEN- ↔ Also on 62 other cases	03-10-2024 → present	Belgian State Gazette
Curator	ANDRE BYVOET ST.-TRUIDER- STEENWEG 547, 3500 HASSELT ↔ Also on 62 other cases	03-10-2024 → present	Belgian State Gazette

Legal Structure

NACE primary	Kappers- en barbiersactiviteiten(96210)
Legal form	Private limited company(610)
Incorporation	31-03-2010
Status	Active
Postal code	3550
First BS signal	09-10-2024
Latest BS signal	30-10-2024

Establishment units 1 location

Kreatos

Sint-Willibrordusplein 26, 3550 Heusden-ZolderDetailhandel in cosmetica en toiletartikelen

since 20102.186.905.283

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
71462E0194/00P000	Flanders	949 m²	1 · 120 m²	-
71502B0470/00A002	Flanders	529 m²	1 · 246 m²	11.2 m · 3 fl.

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 14 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

07-07-2025

State Gazette act Director changes

23-06-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

2024

30-10-2024

Bankruptcy Bankruptcy reversal

Ondernemingsrechtbank Antwerpen, afdeling Hasselt · PELU BV ARNOLD MAESSTRAAT 18/12, 3500 HASSELT · event 24-10-2024

09-10-2024

Bankruptcy Opening

Ondernemingsrechtbank Antwerpen, afdeling Hasselt · PELU BV ARNOLD MAES- STRAAT 18/12, 3500 HASSELT · event 03-10-2024

07-07-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

2023

22-12-2023

State Gazette act Director changes

Filip Junius

18-08-2023

NBB filing Annual accounts filed

fiscal year 2022 · micro

2022

29-07-2022

NBB filing Annual accounts filed

fiscal year 2021 · micro

2021

31-08-2021

NBB filing Annual accounts filed

fiscal year 2020 · micro

2020

11-09-2020

NBB filing Annual accounts filed

fiscal year 2019 · micro

2019

30-09-2019

NBB filing Annual accounts filed

fiscal year 2018 · verkort

2018

29-10-2018

NBB filing Annual accounts filed

fiscal year 2017 · verkort

2017

29-09-2017

NBB filing Annual accounts filed

fiscal year 2016 · verkort

2016

29-08-2016

NBB filing Annual accounts filed

fiscal year 2015 · verkort

Lifecycle & Insolvency Signals 2 events

30-10-2024

Bankruptcy Bankruptcy reversal

Date: 24-10-2024 · Ondernemingsrechtbank Antwerpen, afdeling Hasselt · PELU BV ARNOLD MAESSTRAAT 18/12, 3500 HASSELT · Publications in State Gazette ↗

09-10-2024

Bankruptcy Opening

Date: 03-10-2024 · Ondernemingsrechtbank Antwerpen, afdeling Hasselt · PELU BV ARNOLD MAES- STRAAT 18/12, 3500 HASSELT · Publications in State Gazette ↗

Time machine, BS events + macro context 2021, 2026

Macro context

2020-Q2/Q3 COVID lockdown

2022 energy crisis

2023-2024 ECB rate hikes

Legend

Bankruptcy

Interim / reorg

KBO event

Belgisch Staatsblad, acts 2 acts

All acts · 2 updated 1 year ago

2025

07-07-2025 2 directors appointed, 1 resigning Director changes

Roberta Pellegrini, Bestuurder
Björn Happaerts, Bestuurder
Jean-Marie Girolamo, Bestuurder

Original publication ↗

Technical details

{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Jean-Marie Girolamo",
        "address": "3500 Hasselt, Bijvennestraat 37",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": "de_plein_droit_dissolution",
      "subkind": "regular",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "1. het ontslag van dhr. Jean-Marie Girolamo, wonende te 3500 Hasselt, Bijvennestraat 37, in zijn hoedanigheid van bestuurder. De vergadering bedankt dhr. Jean-Marie Girolamo voor zijn bewezen diensten. Kwijting voor het uitgeoefende mandaat zal worden verleend op de eerstvolgende algemene vergaderin",
      "decharge_status": "pending_next_agm",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Roberta Pellegrini",
        "address": "3530 Heusden-Zolder, Broekwinningstraat 9",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "regular",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2025-06-24",
      "evidence_quote": "De benoeming van mevr. Roberta Pellegrini en dhr. Bj\u00F6rn Happaerts, beide wonende te 3530 Heusden-Zolder, Broekwinningstraat 9, als bestuurders.",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "immediate",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Bj\u00F6rn Happaerts",
        "address": "3530 Heusden-Zolder, Broekwinningstraat 9",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "regular",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2025-06-24",
      "evidence_quote": "De benoeming van mevr. Roberta Pellegrini en dhr. Bj\u00F6rn Happaerts, beide wonende te 3530 Heusden-Zolder, Broekwinningstraat 9, als bestuurders.",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "immediate",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "decharge_granted",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Jean-Marie Girolamo",
        "address": "3500 Hasselt, Bijvennestraat 37",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "regular",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "Kwijting voor het uitgeoefende mandaat zal worden verleend op de eerstvolgende algemene vergadering van aandeelhouders.",
      "decharge_status": "pending_next_agm",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "substantive_delegation",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Roberta Pellegrini",
        "address": "3530 Heusden-Zolder, Broekwinningstraat 9",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "regular",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2025-06-24",
      "evidence_quote": "Deze mandaten, die ingaan op heden, worden aanvaard.",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "immediate",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "substantive_delegation",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Bj\u00F6rn Happaerts",
        "address": "3530 Heusden-Zolder, Broekwinningstraat 9",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "regular",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2025-06-24",
      "evidence_quote": "Deze mandaten, die ingaan op heden, worden aanvaard.",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "immediate",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "board_snapshot",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Roberta Pellegrini",
        "address": "3530 Heusden-Zolder, Broekwinningstraat 9",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "regular",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "Aldus opgemaakt te Hasselt, op 23 juni 2025",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "board_snapshot",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Bj\u00F6rn Happaerts",
        "address": "3530 Heusden-Zolder, Broekwinningstraat 9",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "regular",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "Aldus opgemaakt te Hasselt, op 23 juni 2025",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Hasselt",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2025-07-07",
    "filing_date": "2025-06-24",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "bijzondere_algemene_vergadering",
      "date": "2025-06-23",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0824.514.450",
    "name_full": "PELU",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Roberta Pellegrini",
    "org_rep_person_name": null,
    "person_role_at_subject": "Bestuurder"
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}

2023

22-12-2023 Discharge granted to the board Director changes·Filip Junius

Notary: Filip Junius · Hasselt

Original publication ↗

Technical details

{
  "events": [
    {
      "kind": "decharge_granted",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Jean-Marie Di Girolamo",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": "granted",
      "mandate_duration": {
        "kind": "indefinite",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "board_snapshot",
      "role": "bestuurder",
      "person": null,
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": "Filip Junius",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Hasselt",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2023-12-22",
    "filing_date": "2023-12-20",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2023-12-18",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0824.514.450",
    "name_full": "Pelu",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [
    "een expeditie van de akte",
    "de geco\u00F6rdineerde tekst van de statuten"
  ],
  "corrected_publication_numac": null
}

Credit advice verdict per customer and amount

AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon

The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Company registry (CBE) Crossroads Bank

Activities

Haarverzorging96021Kappers- en barbiersactiviteiten96210Detailhandel in cosmetica en toiletartikelen in gespecialiseerde winkels47750Detailhandel in cosmetica en toiletartikelen47750Holdings64200Activiteiten van holdings64210Handel in eigen onroerend goed68100Handel in eigen onroerend goed68110Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Sauna's, solaria, baden enz.96040Activiteiten van kuuroorden, sauna’s en stoombaden96230

Primary activity highlighted.

Names & trade names

Legal nameNL

PELU

Registered office

Broekwinningstraat 9

3550 Heusden-Zolder, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

Similar companies Comparable size · 729 of 21,773 companies in this sector with filed accounts

GENEVE SERVICES BE 0742.765.721 · Antwerpen

BOZIA HAIR BE 0777.528.838 · Charleroi

THE BARBER R.B. BE 0786.475.604 · Aalst

DAVINCE FINITION BE 0891.555.110 · Saint-Nicolas

SARLAK BE 0759.808.027 · Vorst