Peperfabriek
ActiveSummary
Peperfabriek has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €47k and a net result of €-3k. Equity is shrinking by ~3.7% per year across the filed fiscal years. Its solvency ranks better than 56% of 384 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▲+58
Solvency97▲+9
Growth46=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 3.0 against 2.14 in 2024; short-term debt: 28.2% and cash: 57.1% of total assets), and 28.2% 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 94
Relative position
BE, all sectors
reference
Sector 94
lower
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
71.8%
Return on assets
-4.5%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
202122232425
2020 to 2025 · latest year €-3k
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 09-06-2026, 52 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
52 d early
2024
35 d early
2023
42 d late
2022
40 d early
2021
68 d early
2020
53 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€36k▲ 11.8%
2022 · €32k
2022: €32k
2022 → 2023
EBIT margin
-40.6%▼ 151.2pp
2022 · 110.6%
2022: 110.6%
2022 → 2023
Net result
€-3k▲ 95.2%
2024 · €-61k
2020: €56k
2021: €40k
2022: €36k
2023: €-15k
2024: €-61k
2020 → 2025
Working capital
€37k▲ 8.4%
2024 · €34k
2020: €58k
2021: €126k
2022: €131k
2023: €108k
2024: €34k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€32k€36k▲ 11.8%
Equity€100k-€136k▲ 35.6%€111k▼ 18.2%€50k▼ 55.3%€47k▼ 5.9%
Operating result€40k-€36k▼ 10.4%€-15k€-61k▼ 313%€-2k▲ 96.9%
Net result€40k-€36k▼ 10.9%€-15k€-61k▼ 306%€-3k▲ 95.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2k in 2025 against €61k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €65k
Fixed assets
€10k ▼ 36.4%
Current assets
€55k ▼ 13.6%
Equity and liabilities €65k
Equity
€47k ▼ 5.9%
Debt
€18k ▼ 38.5%
Debt's share of the balance-sheet total falls from 37.5% to 28.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€6k▲
2024 · €-54k
Cash flow
€5k▲
2024 · €-55k
Current ratio
3.00▲
2024 · 2.14
Quick ratio
2.80▲
2024 · 2.06
Debt to equity
0.39▼
2024 · 0.60
ROE
-6.3%▲
2024 · -123.6%
ROA
-4.5%▲
2024 · -77.2%
Interest coverage
5.33▲
2024 · -85.78
Debt ≤ 1 year
€18k▼
2024 · €30k
Income taxes
€0▼
2024 · €0
Staff costs
€186k▲
2024 · €161k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€79k€65k▼
Fixed assets21/28€16k€10k▼
Intangible fixed assets21€15k€8k▼
Tangible fixed assets22/27€1k€2k▲
Plant, machinery and equipment23€0€1k▲
Furniture and vehicles24€1k€443▼
Financial fixed assets28-€100
Current assets29/58€63k€55k▼
Stocks and contracts in progress3€2k€4k▲
Stocks30/36€2k€4k▲
Amounts receivable within one year40/41€5k€13k▲
Trade receivables40€3k€4k▲
Other amounts receivable41€2k€9k▲
Cash at bank and in hand54/58€56k€37k▼
Deferred charges and accrued income490/1€491€2k▲
Equity and liabilities
Total equity and liabilities10/49€79k€65k▼
Equity10/15€50k€47k▼
Contributions10/11€39k€39k=
Capital10€39k€39k=
Profit (loss) carried forward14€11k€8k▼
Amounts payable17/49€30k€18k▼
Amounts payable within one year42/48€30k€18k▼
Trade debts44€6k€6k▲
Suppliers440/4€6k€6k▲
Taxes, remuneration and social security45€21k€12k▼
Taxes450/3€3k€1k▼
Remuneration and social security454/9€18k€10k▼
Income statement
Code20242025
Remuneration, social security and pensions62€161k€186k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€8k▲
Other operating charges640/8€4k€694▼
Non-recurring operating charges66A€1k€1k▲
Gross operating margin9900€112k€194k▲
Operating profit (loss)9901€-61k€-2k▲
Financial income75/76B€9€0▼
Recurring financial income75€9€0▼
Financial charges65/66B€630€1k▲
Recurring financial charges65€630€1k▲
Profit (loss) for the period before taxes9903€-61k€-3k▲
Income taxes67/77€0€0▼
Profit (loss) for the period9904€-61k€-3k▲
Profit (loss) for the period to be appropriated9905€-61k€-3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€11k€8k▼
Profit (loss) brought forward from the previous period14P€72k€11k▼
The notes to these accounts (11 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
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-61k
Net result drops to €-61k, the lowest in the series; recovery starts the following year.
11-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 42 days late
2023
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €136k ▲35.6%
3 profitable years in a row build equity to €136k.
24-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Antwerpen · 1 establishment unit since 1995
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.
Breughelstraat 31-332018 AntwerpenGround area
516 m²
Building footprint
246 m²
Volume, LiDAR
3,686 m³
Parcel 11806F1438/00R004, Flanders · tallest building 19.8 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Breughelstraat 31-33, 2018 Antwerpen
since 19952.138.473.084
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11806F1438/00R004 | Flanders | 516 m² | 1 · 246 m² | 19.8 m · 5 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 118,075 EUR awarded · 118,075 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 0 EUR | 7,680 EUR |
| 2023 | 1 | 42,279 EUR | 34,599 EUR |
| 2022 | 1 | 75,796 EUR | 75,796 EUR |
Schemes
Cultuur: Tewerkstellingssubsidie voor de regularisatie van gesubsidieerde contractuelen (GESCO) (Verzameldecreet 2019)
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpen2.138.473.084
Similar companies · same sector, comparable size
Missing You
BE 0892.290.924
Gent · Eq €47,491
Y.W.C.A. Young Women's Christian Association
BE 0431.692.164
Antwerpen · Eq €47,495
OPEN SOCIETY EUROPEAN POLICY INSTITUTE
BE 0865.155.569
Brussel · Eq €45,523
Harmonisation sociale schaerbeekoise
BE 0448.480.488
Schaarbeek · Eq €48,080
Ecole à table
BE 0719.995.168
Elsene · Eq €48,087
Of 3,134 companies in sector 94999 we hold annual accounts for 707. 395 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded17-06-1995
Fiscal year end31-12
Activities, NACEBEL 2025
85593Socio-cultural adult education
94999Other membership organisations
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.