Peninsula
ActiveSummary
Peninsula has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €162,185 and a net result of €5,562. Equity is growing by ~35.8% per year across the filed fiscal years. Its solvency ranks better than 44% of 12819 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability49▼-27
Solvency76▲+7
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12,000 at 30 days acceptable
Liquidity ample (current ratio 3.41 against 2.54 in 2024; short-term debt: 28.4% and cash: 85.3% of total assets), and 49.1% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four 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 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← 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
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
6 d early
2023
18 d early
2022
2 d late
2021
3 d late
2020
30 d late
2019
1 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 1 day after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close28-09-2026 today31-10-2026 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€162,185▲ 3.6%
2024 · €156,623
Total assets
€318,505▼ 11.2%
2024 · €358,831
Net result
€5,562▼ 85.7%
2024 · €38,782
Working capital
€218,241▲ 1.5%
2024 · €215,066
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€150,521▲ 125%€34,402▼ 77.1%€34,272▼ 0.4%€53,383▲ 55.8%€8,419▼ 84.2%
Net result€116,103within the sector's middle half▲ 108%€22,940below the sector's middle half▼ 80.2%€94,030within the sector's middle half▲ 310%€38,782within the sector's middle half▼ 58.8%€5,562below the sector's middle half▼ 85.7%
Equity€91,936below the sector's middle half▲ 157%€86,311below the sector's middle half▼ 6.1%€150,341within the sector's middle half▲ 74.2%€156,623within the sector's middle half▲ 4.2%€162,185within the sector's middle half▲ 3.6%
Total assets€928,221within the sector's middle half▲ 4.1%€838,479within the sector's middle half▼ 9.7%€839,096within the sector's middle half▲ 0.1%€358,831within the sector's middle half▼ 57.2%€318,505within the sector's middle half▼ 11.2%
Debt€836,285▼ 2.3%€752,168▼ 10.1%€688,756▼ 8.4%€202,208▼ 70.6%€156,320▼ 22.7%
Working capital-€1,621below the sector's middle half▲ 96.3%-€21,207below the sector's middle half▼ 1,209%€24,686within the sector's middle half€215,066above the sector's middle half▲ 771%€218,241above the sector's middle half▲ 1.5%
Solvency9.9%below the sector's middle half▲ 5.9pp10.3%below the sector's middle half▲ 0.4pp17.9%within the sector's middle half▲ 7.6pp43.6%within the sector's middle half▲ 25.7pp50.9%within the sector's middle half▲ 7.3pp
Current ratio0.99below the sector's middle half▲ 0.220.89below the sector's middle half▼ 0.111.14within the sector's middle half▲ 0.262.54within the sector's middle half▲ 1.403.41within the sector's middle half▲ 0.87
Return on assets (ROA)12.5%within the sector's middle half▲ 6.2pp2.7%below the sector's middle half▼ 9.8pp11.2%within the sector's middle half▲ 8.5pp10.8%within the sector's middle half▼ 0.4pp1.7%below the sector's middle half▼ 9.1pp
above
within
below
the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 84% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €318,505
Fixed assets
€9,704 ▲ 119%
Current assets
€308,801 ▼ 12.9%
Equity and liabilities €318,505
Equity
€162,185 ▲ 3.6%
Debt
€156,320 ▼ 22.7%
Debt's share of the balance-sheet total falls from 56.4% to 49.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€10,200▼
2024 · €54,552
Cash flow
€7,342▼
2024 · €39,951
Quick ratio
3.16▲
2024 · 2.54
Debt to equity
0.96▼
2024 · 1.29
ROE
3.4%▼
2024 · 24.8%
Interest coverage
3.31▼
2024 · 5.29
Debt ≤ 1 year
€90,560▼
2024 · €139,328
Debt > 1 year
€60,000=
2024 · €60,000
Income taxes
€5,494▲
2024 · €5,197
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 10,905 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
0.6%
went bankrupt
4.0%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 10,905 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €67,958 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €33,914 | €33,914 | €27,514 | €1,169 | €1,780 | ▲ 52.4% |
| Other operating charges640/8 | - | €1,929 | €3,402 | €6,232 | €1,639 | ▼ 73.7% |
| Gross operating margin9900 | €186,009 | €70,245 | €65,189 | €60,783 | €11,838 | ▼ 80.5% |
| Operating profit (loss)9901 | €150,521 | €34,402 | €34,272 | €53,383 | €8,419 | ▼ 84.2% |
| Financial income75/76B | - | €0 | €74,758 | €915 | €5,714 | ▲ 525% |
| Recurring financial income75 | €0 | €0 | €74,758 | €915 | €5,714 | ▲ 525% |
| Financial charges65/66B | - | €8,627 | €8,079 | €10,318 | €3,077 | ▼ 70.2% |
| Recurring financial charges65 | €9,298 | €8,627 | €8,079 | €10,318 | €3,077 | ▼ 70.2% |
| Profit (loss) for the period before taxes9903 | €141,223 | €25,774 | €100,951 | €43,979 | €11,056 | ▼ 74.9% |
| Income taxes67/77 | €25,121 | €2,834 | €6,921 | €5,197 | €5,494 | ▲ 5.7% |
| Profit (loss) for the period9904 | €116,103 | €22,940 | €94,030 | €38,782 | €5,562 | ▼ 85.7% |
| Profit (loss) for the period to be appropriated9905 | €116,103 | €22,940 | €94,030 | €38,782 | €5,562 | ▼ 85.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €928,221 | €838,479 | €839,096 | €358,831 | €318,505 | ▼ 11.2% |
| Fixed assets21/28 | €706,585 | €672,671 | €642,318 | €4,437 | €9,704 | ▲ 119% |
| Intangible fixed assets21 | - | - | €1,570 | €1,364 | €4,631 | ▲ 240% |
| Tangible fixed assets22/27 | €697,285 | €663,371 | €640,749 | €3,073 | €4,373 | ▲ 42.3% |
| Land and buildings22 | - | €657,713 | €636,713 | - | - | - |
| Furniture and vehicles24 | - | €5,658 | €4,036 | €3,073 | €4,373 | ▲ 42.3% |
| Financial fixed assets28 | €9,300 | €9,300 | - | - | €700 | - |
| Current assets29/58 | €221,636 | €165,808 | €196,778 | €354,394 | €308,801 | ▼ 12.9% |
| Stocks and contracts in progress3 | - | - | - | - | €22,691 | - |
| Stocks30/36 | - | - | - | - | €22,691 | - |
| Amounts receivable within one year40/41 | €116,882 | €2,503 | €4,112 | €8,140 | €11,179 | ▲ 37.3% |
| Trade receivables40 | - | €337 | €2,084 | €8,140 | €9,958 | ▲ 22.3% |
| Other amounts receivable41 | - | €2,166 | €2,028 | - | €1,220 | - |
| Cash at bank and in hand54/58 | €102,444 | €160,954 | €192,505 | €346,085 | €271,830 | ▼ 21.5% |
| Deferred charges and accrued income490/1 | - | €2,351 | €162 | €169 | €3,101 | ▲ 1,730% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €928,221 | €838,479 | €839,096 | €358,831 | €318,505 | ▼ 11.2% |
| Equity10/15 | €91,936 | €86,311 | €150,341 | €156,623 | €162,185 | ▲ 3.6% |
| Contributions10/11 | - | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €79,536 | €73,911 | €137,941 | €144,223 | €149,785 | ▲ 3.9% |
| Non-distributable reserves130/1 | - | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | - | €1,860 | - | - | - | - |
| Distributable reserves133 | - | €72,051 | €137,941 | €144,223 | €149,785 | ▲ 3.9% |
| Amounts payable17/49 | €836,285 | €752,168 | €688,756 | €202,208 | €156,320 | ▼ 22.7% |
| Amounts payable after more than one year17 | €613,028 | €565,154 | €516,664 | €60,000 | €60,000 | = |
| Financial debts170/4 | - | €565,154 | €516,664 | €60,000 | €60,000 | = |
| Amounts payable within one year42/48 | €223,257 | €187,015 | €172,092 | €139,328 | €90,560 | ▼ 35.0% |
| Current portion of amounts payable after more than one year42 | - | €59,875 | €60,490 | €15,657 | €12,910 | ▼ 17.5% |
| Trade debts44 | €409 | €2,191 | €2,035 | €499 | €4,834 | ▲ 869% |
| Suppliers440/4 | - | €2,191 | €2,035 | €499 | €4,834 | ▲ 869% |
| Taxes, remuneration and social security45 | - | €455 | €15,073 | €21,178 | €21,853 | ▲ 3.2% |
| Taxes450/3 | - | €455 | €4,148 | €6,290 | €4,810 | ▼ 23.5% |
| Remuneration and social security454/9 | - | - | €10,925 | €14,889 | €17,043 | ▲ 14.5% |
| Other amounts payable47/48 | - | €124,494 | €94,494 | €101,994 | €50,963 | ▼ 50.0% |
| Accrued charges and deferred income492/3 | - | - | - | €2,880 | €5,760 | ▲ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €116,103 | €22,940 | €94,030 | €38,782 | €5,562 | ▼ 85.7% |
| + Depreciation and write-downs630 | €33,914 | €33,914 | €27,514 | €1,169 | €1,780 | ▲ 52.4% |
| Operating cash flow (approximation) | €150,017 | €56,854 | €121,544 | €39,951 | €7,342 | ▼ 81.6% |
| Investment in fixed assets (approximation) | - | €0 | €2,838 | €636,713 | -€7,048 | ▼ 101% |
| Change in cash | - | €58,510 | €31,551 | €153,580 | -€74,254 | ▼ 148% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Weakest financial yearnet €5,562 ▼85.7%
Net result drops to €5,562, the lowest in the series.
2024
25-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Liquidity doublescurrent ratio 2.54
Current ratio from 1.14 to 2.54; short-term debt falls from €172,092 to €139,328.
2023
13-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-03
Financial
Equity above €150,000Eq €150,341 ▲74.2%
5 profitable years in a row build equity to €150,341.
2022
02-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 2 days late
2021
03-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 3 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2019
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
27-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
02-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 94 days late
2016
30-03
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Maasmechelen · 2 establishment units since 2010
Ground area
2,854 m²
Building footprint
476 m²
Volume, LiDAR
1,590 m³
2 parcels, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Ocean
since 20102.184.552.143
Casa del Girasole
since 20242.362.317.709
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73048E0931/00P021 | Flanders | 2,129 m² | 1 · 267 m² | 10.0 m · 2 fl. |
| 73048C1960/00A002 | Flanders | 724 m² | 1 · 209 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-03-2023 list no shareholders, and no other source names one.
Holdings 1
-
50%
According to the annual accounts to 31-03-2023 of Peninsula and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 1,584 EUR awarded · 1,584 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 873 EUR | 873 EUR |
| 2023 | 1 | 339 EUR | 339 EUR |
| 2022 | 1 | 372 EUR | 372 EUR |
Recognitions · licences · registrations
Food safety, FASFC
1 siteMaasmechelen2.362.317.709
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Of 2,771 companies in sector 69109 we hold annual accounts for 1,209. 929 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded22-12-2009
Fiscal year end31-03
Activities, NACEBEL 2025
69109Other legal services
23410Manufacture of ceramic household and ornamental articles
46412Wholesale of household textiles and bedding
47120Other non-specialised retail sale
47252Retail sale of beverages, general range
47279Other retail sale of food
70200Business and other management consultancy
73300Public relations and communication consultancy
82100Office administrative and support services
82990Other business support services
85599Other education
E-invoicing
Reachable via Peppol
Peppol ID
0208:0821923164
Also
9925:BE0821923164
Registered
31-12-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.