PEPPERS & CO
ActivePEPPERS & CO has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €38k and a net result of €-6k. Equity is growing by ~7% per year across the filed fiscal years. Its solvency ranks better than 38% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability59▼-8
Solvency62▼-4
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.56 against 1.76 in 2024; short-term debt: 38.8% and cash: 12.8% of total assets), but 63.5% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
36.5%
Return on assets
-5.5%
Age of the figures
15 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
19202122232425
2019 to 2025 · latest year €-6k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 24-12-2025, 38 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
38 d early
2024
21 d early
2023
44 d early
2022
40 d early
2021
39 d early
2020
2 d early
2019
18 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€38k▼ 13.1%
2024 · €44k
2019: €22k
2020: €32k
2021: €41k
2022: €31k
2023: €45k
2024: €44k
2019 → 2025
Total assets
€105k▼ 2.4%
2024 · €108k
2019: €31k
2020: €51k
2021: €75k
2022: €63k
2023: €110k
2024: €108k
2019 → 2025
Net result
€-6k▼ 375%
2024 · €-1k
2019: €-3k
2020: €10k
2021: €9k
2022: €-9k
2023: €14k
2024: €-1k
2019 → 2025
Working capital
€23k▲ 4.7%
2024 · €22k
2019: €22k
2020: €17k
2021: €27k
2022: €41k
2023: €38k
2024: €22k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€41k-€31k▼ 22.5%€45k▲ 44.5%€44k▼ 2.7%€38k▼ 13.1%
Operating result€11k-€-8k€19k€1k▼ 92.6%€-4k
Net result€9k-€-9k€14k€-1k€-6k▼ 375%
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 turns negative in 2025: a loss of €4k after €1k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €105k
Fixed assets
€42k▼ 27.5%
Current assets
€64k▲ 26.1%
Equity and liabilities €105k
Equity
€38k▼ 13.1%
Debt
€67k▲ 5.0%
The debt ratio rises from 59.0% to 63.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€12k▼
2024 · €18k
Cash flow
€10k▼
2024 · €15k
Solvency
36.5%▼
2024 · 41.0%
Current ratio
1.56▼
2024 · 1.76
Quick ratio
1.00▼
2024 · 1.09
Debt / equity
1.74▲
2024 · 1.44
ROE
-15.1%▼
2024 · -2.8%
ROA
-5.5%▼
2024 · -1.1%
Interest coverage
5.63▼
2024 · 7.05
Debt
€67k▲
2024 · €64k
Debt ≤ 1 year
€41k▲
2024 · €29k
Debt > 1 year
€26k▼
2024 · €35k
Income taxes
€169▼
2024 · €790
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€108k€105k▼
Fixed assets21/28€57k€42k▼
Tangible fixed assets22/27€57k€41k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€55k€40k▼
Financial fixed assets28€720€720=
Current assets29/58€50k€64k▲
Stocks and contracts in progress3€19k€23k▲
Stocks30/36€7k€6k▼
Contracts in progress37€12k€17k▲
Amounts receivable within one year40/41€11k€8k▼
Trade receivables40€8k€4k▼
Other amounts receivable41€3k€4k▲
Current investments50/53€13k€20k▲
Cash at bank and in hand54/58€6k€13k▲
Deferred charges and accrued income490/1€240-
Equity and liabilities
Total equity and liabilities10/49€108k€105k▼
Equity10/15€44k€38k▼
Contributions10/11€6k€6k=
Reserves13€37k€32k▼
Distributable reserves133€37k€32k▼
Profit (loss) carried forward14€633€327▼
Amounts payable17/49€64k€67k▲
Amounts payable after more than one year17€35k€26k▼
Financial debts170/4€35k€26k▼
Amounts payable within one year42/48€29k€41k▲
Current portion of amounts payable after more than one year42€9k€9k▲
Trade debts44€5k€12k▲
Suppliers440/4€5k€12k▲
Taxes, remuneration and social security45€1k€2k▲
Taxes450/3€1k€2k▲
Other amounts payable47/48€13k€17k▲
Accrued charges and deferred income492/3€300€480▲
Income statement
Code20242025
Non-recurring operating income76A€6k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€16k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€19k€14k▼
Operating profit (loss)9901€1k€-4k▼
Financial income75/76B€624€702▲
Recurring financial income75€624€702▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€-432€-6k▼
Income taxes67/77€790€169▼
Profit (loss) for the period9904€-1k€-6k▼
Profit (loss) for the period to be appropriated9905€-1k€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-367€-5k▼
Profit (loss) brought forward from the previous period14P€855€633▼
Transfer from equity791/2€1k€6k▲
The notes to these accounts (8 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
2025
24-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
10-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
18-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
2022
22-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Weakest financial yearnet €-9k ▼204%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity triplescurrent ratio 4.59
Current ratio from 1.77 to 4.59; short-term debt falls from €34k to €11k.
2021
23-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
13-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
01-02
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 1 day late
2018
16-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
10-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Dentergem · 1 establishment unit since 2010
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.
Wakkenstraat(Mar) 378720 DentergemGround area
549 m²
Building footprint
137 m²
Volume, LiDAR
863 m³
Parcel 37006B0210/00H000, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PEPPERS & CO
since 20102.190.133.009
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37006B0210/00H000 | Flanders | 549 m² | 1 · 137 m² | 7.8 m · 2 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 · 231 EUR awarded · 231 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 30 EUR | 30 EUR |
| 2023 | 1 | 99 EUR | 99 EUR |
| 2022 | 1 | 102 EUR | 102 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 9,530 companies in sector 43222 we hold annual accounts for 5,661. 4,269 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-03-2010
Fiscal year end30-06
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73110Advertising agencies
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.