PEPLUM
ActiveSummary
PEPLUM has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €235k and a net result of €-8k. Equity remains stable across the filed fiscal years (±0.8% per year). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability15▼-54
Solvency100=
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 23.7 against 20.53 in 2024; short-term debt: 0.4% and cash: 4.9% of total assets), and 0.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 31-12-2025 was due by 31-07-2026 and was filed on 08-06-2026, 53 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
53 d early
2024
51 d early
2023
33 d early
2022
26 d early
2021
31 d early
2020
29 d early
2019
28 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€235k▼ 3.2%
2024 · €242k
2018: €252k
2019: €246k▼ -2.1% vs 2018
2020: €252k▲ +2.5% vs 2019highest in 8 years
2021: €246k▼ -2.7% vs 2020
2022: €246k▲ +0.2% vs 2021
2023: €243k▼ -1.4% vs 2022
2024: €242k▼ -0.1% vs 2023
2025: €235k▼ -3.2% vs 2024lowest in 8 years
2018 → 2025
Total assets
€236k▼ 3.3%
2024 · €244k
2018: €284khighest in 8 years
2019: €263k▼ -7.1% vs 2018
2020: €256k▼ -2.9% vs 2019
2021: €247k▼ -3.3% vs 2020
2022: €248k▲ +0.5% vs 2021
2023: €248k▼ -0.2% vs 2022
2024: €244k▼ -1.7% vs 2023
2025: €236k▼ -3.3% vs 2024lowest in 8 years
2018 → 2025
Net result
€-8k▼ 4,296%
2024 · €-178
2018: €-6k
2019: €-5k▲ +14.5% vs 2018
2020: €6k▲ +216% vs 2019highest in 8 years
2021: €-7k▼ -211% vs 2020
2022: €528▲ +108% vs 2021
2023: €-3k▼ -758% vs 2022
2024: €-178▲ +94.9% vs 2023
2025: €-8k▼ -4296% vs 2024lowest in 8 years
2018 → 2025
Working capital
€23k▼ 6.4%
2024 · €25k
2018: €14k
2019: €-85▼ -101% vs 2018lowest value
2020: €10k▲ +11775% vs 2019
2022: €16k
2023: €19k▲ +17.3% vs 2022
2024: €25k▲ +32.4% vs 2023highest value
2025: €23k▼ -6.4% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€246k-€246k▲ 0.2%€243k▼ 1.4%€242k▼ 0.1%€235k▼ 3.2%
2021: €246k
2022: €246k▲ +0.2% vs 2021highest in 5 years
2023: €243k▼ -1.4% vs 2022
2024: €242k▼ -0.1% vs 2023
2025: €235k▼ -3.2% vs 2024lowest in 5 years
Operating result€-7k-€3k€-2k€2k€-8k
2021: €-7k
2022: €3k▲ +144% vs 2021highest in 5 years
2023: €-2k▼ -176% vs 2022
2024: €2k▲ +188% vs 2023
2025: €-8k▼ -480% vs 2024lowest in 5 years
Net result€-7k-€528€-3k€-178▲ 94.9%€-8k▼ 4,296%
2021: €-7k
2022: €528▲ +108% vs 2021highest in 5 years
2023: €-3k▼ -758% vs 2022
2024: €-178▲ +94.9% vs 2023
2025: €-8k▼ -4296% vs 2024lowest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €8k after €2k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €236k
Fixed assets
€211k ▼ 2.9%
Current assets
€24k ▼ 7.1%
Equity and liabilities €236k
Equity
€235k ▼ 3.2%
Debt
€1k ▼ 19.5%
Debt's share of the balance-sheet total falls from 0.5% to 0.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-1k▼
2024 · €8k
Cash flow
€-2k▼
2024 · €6k
Current ratio
23.70▲
2024 · 20.53
Debt to equity
0.00▼
2024 · 0.01
ROE
-3.3%▼
2024 · -0.1%
ROA
-3.3%▼
2024 · -0.1%
Interest coverage
-5.75▼
2024 · 64.31
Debt ≤ 1 year
€1k▼
2024 · €1k
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 · 35 lines
Balance sheet
Code20242025
Assets
Total assets20/58€244k€236k▼
Fixed assets21/28€218k€211k▼
Tangible fixed assets22/27€218k€211k▼
Land and buildings22€218k€211k▼
Current assets29/58€26k€24k▼
Amounts receivable within one year40/41€120€11k▲
Other amounts receivable41€120€11k▲
Cash at bank and in hand54/58€25k€12k▼
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€244k€236k▼
Equity10/15€242k€235k▼
Contributions10/11€20k€20k=
Revaluation surpluses12€268k€268k=
Reserves13€43k€43k=
Distributable reserves133€43k€43k=
Profit (loss) carried forward14€-89k€-97k▼
Amounts payable17/49€1k€1k▼
Amounts payable within one year42/48€1k€1k▼
Trade debts44€1k€1k▼
Suppliers440/4€1k€1k▼
Taxes, remuneration and social security45€46-
Taxes450/3€46-
Other amounts payable47/48€64-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k=
Other operating charges640/8€4k€4k▼
Gross operating margin9900€12k€3k▼
Operating profit (loss)9901€2k€-8k▼
Financial charges65/66B€128€236▲
Recurring financial charges65€128€236▲
Profit (loss) for the period before taxes9903€2k€-8k▼
Income taxes67/77€2k-
Profit (loss) for the period9904€-178€-8k▼
Profit (loss) for the period to be appropriated9905€-178€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-89k€-97k▼
Profit (loss) brought forward from the previous period14P€-89k€-89k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6k | €6k | €6k | €6k | €6k | = |
| Other operating charges640/8 | €3k | €3k | €4k | €4k | €4k | ▼ 6.5% |
| Gross operating margin9900 | €2k | €12k | €8k | €12k | €3k | ▼ 79.2% |
| Operating profit (loss)9901 | €-7k | €3k | €-2k | €2k | €-8k | ▼ 480% |
| Financial charges65/66B | €129 | €135 | €111 | €128 | €236 | ▲ 84.5% |
| Recurring financial charges65 | €129 | €135 | €111 | €128 | €236 | ▲ 84.5% |
| Profit (loss) for the period before taxes9903 | €-7k | €3k | €-2k | €2k | €-8k | ▼ 519% |
| Income taxes67/77 | - | €2k | €1k | €2k | - | - |
| Profit (loss) for the period9904 | €-7k | €528 | €-3k | €-178 | €-8k | ▼ 4,296% |
| Profit (loss) for the period to be appropriated9905 | €-7k | €528 | €-3k | €-178 | €-8k | ▼ 4,296% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €247k | €248k | €248k | €244k | €236k | ▼ 3.3% |
| Fixed assets21/28 | €236k | €230k | €224k | €218k | €211k | ▼ 2.9% |
| Tangible fixed assets22/27 | €236k | €230k | €224k | €218k | €211k | ▼ 2.9% |
| Land and buildings22 | €236k | €230k | €224k | €218k | €211k | ▼ 2.9% |
| Current assets29/58 | €11k | €18k | €24k | €26k | €24k | ▼ 7.1% |
| Amounts receivable within one year40/41 | €3k | €6k | €11k | €120 | €11k | ▲ 9,272% |
| Trade receivables40 | - | €54 | - | - | - | - |
| Other amounts receivable41 | €3k | €6k | €11k | €120 | €11k | ▲ 9,272% |
| Cash at bank and in hand54/58 | €7k | €11k | €12k | €25k | €12k | ▼ 52.6% |
| Deferred charges and accrued income490/1 | €973 | €1k | €1k | €1k | €1k | ▼ 1.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €247k | €248k | €248k | €244k | €236k | ▼ 3.3% |
| Equity10/15 | €246k | €246k | €243k | €242k | €235k | ▼ 3.2% |
| Contributions10/11 | €19k | €19k | €20k | €20k | €20k | = |
| Revaluation surpluses12 | €268k | €268k | €268k | €268k | €268k | = |
| Reserves13 | €45k | €45k | €43k | €43k | €43k | = |
| Non-distributable reserves130/1 | €2k | €2k | - | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | - | - | - | - |
| Distributable reserves133 | €43k | €43k | €43k | €43k | €43k | = |
| Profit (loss) carried forward14 | €-86k | €-85k | €-89k | €-89k | €-97k | ▼ 8.8% |
| Amounts payable17/49 | €2k | €2k | €5k | €1k | €1k | ▼ 19.5% |
| Amounts payable within one year42/48 | - | €2k | €5k | €1k | €1k | ▼ 19.5% |
| Trade debts44 | - | - | €3k | €1k | €1k | ▼ 11.9% |
| Suppliers440/4 | - | - | €3k | €1k | €1k | ▼ 11.9% |
| Taxes, remuneration and social security45 | - | €2k | €2k | €46 | - | - |
| Taxes450/3 | - | €2k | €2k | €46 | - | - |
| Other amounts payable47/48 | - | - | - | €64 | - | - |
| Accrued charges and deferred income492/3 | €2k | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-7k | €528 | €-3k | €-178 | €-8k | ▼ 4,296% |
| + Depreciation and write-downs630 | €6k | €6k | €6k | €6k | €6k | = |
| Operating cash flow (approximation) | €-703 | €7k | €3k | €6k | €-2k | ▼ 126% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €3k | €1k | €13k | €-13k | ▼ 202% |
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
2026
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series.
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 5current ratio 20.53
Current ratio from 4.56 to 20.53; short-term debt falls from €5k to €1k.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €528
Net result €528 after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €6k
Net result €6k after 2 loss-making years.
31-12
Financial
Liquidity quadruplescurrent ratio 3.92
Current ratio from 0.99 to 3.92; short-term debt falls from €15k to €3k.
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
12-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
3 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, Schaarbeek · 1 establishment unit since 1993
Ground area
504 m²
Building footprint
114 m²
Volume, LiDAR
1,278 m³
Parcel 21904B0457/00E002, Brussels · tallest building 15.6 m, ±4 floors. Linked by address, not a title deed.
8
companies at this address
See who is registered here
1 establishment unit
Distelsstraat 19, 1030 Schaarbeek
since 19932.028.045.712
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21904B0457/00E002 | Brussels | 504 m² | 1 · 114 m² | 15.6 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Identification & contact
Identification
Legal formPrivate limited company
Founded04-10-1985
Fiscal year end31-12
Scores and ratios are computed by Checked and are not a credit decision.