PEPS
ActiveSummary
PEPS has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.30M and a net result of €111k. The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability57▼-32
Solvency100=
Growth52
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity ample (current ratio 85.55 against 34.38 in 2023; short-term debt: 1.2% and cash: 60.5% of total assets), and 8.2% of the assets are financed with debt.
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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 85
Relative position
BE, all sectors
reference
Education (NACE 85)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
91.8%
Return on assets
7.8%
Age of the figures
21 mo
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 15-04-2026, 107 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
107 d early
2024
71 d early
2023
37 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
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Roughly what is this company worth?Value indication
Financials · fiscal year 2024, micro schema
Equity
€1.30M▲ 9.3%
2023 · €1.19M
Total assets
€1.42M▲ 15.6%
2023 · €1.23M
Net result
€111k▼ 56.3%
2023 · €253k
Working capital
€1.40M▲ 17.7%
2023 · €1.19M
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20232024
Operating result€253k-€105k▼ 58.6%
Net result€253k-€111k▼ 56.3%
Equity€1.19M-€1.30M▲ 9.3%
Total assets€1.23M-€1.42M▲ 15.6%
Debt€36k-€117k▲ 226%
Working capital€1.19M-€1.40M▲ 17.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 59% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.42M
Fixed assets
€498 =
Current assets
€1.42M ▲ 15.6%
Equity and liabilities €1.42M
Equity
€1.30M ▲ 9.3%
Debt
€117k ▲ 226%
Debt's share of the balance-sheet total rises from 2.9% to 8.2%. Equity and debt are higher.
Key figures and ratios
Current ratio
85.55▲
2023 · 34.38
Debt to equity
0.09▲
2023 · 0.03
ROE
8.5%▼
2023 · 21.2%
ROA
7.8%▼
2023 · 20.6%
Debt ≤ 1 year
€17k▼
2023 · €36k
Debt > 1 year
€100k
Income taxes
€3k
Staff costs
€345k▲
2023 · €316k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Non-recurring operating income76A | €244 | €5k | ▲ 1,988% |
| Remuneration, social security and pensions62 | €316k | €345k | ▲ 9.3% |
| Other operating charges640/8 | €735 | €101k | ▲ 13,674% |
| Non-recurring operating charges66A | €1k | €32 | ▼ 97.3% |
| Gross operating margin9900 | €571k | €552k | ▼ 3.4% |
| Operating profit (loss)9901 | €253k | €105k | ▼ 58.6% |
| Financial income75/76B | - | €9k | - |
| Recurring financial income75 | - | €9k | - |
| Financial charges65/66B | - | €90 | - |
| Recurring financial charges65 | - | €90 | - |
| Profit (loss) for the period before taxes9903 | €253k | €113k | ▼ 55.2% |
| Income taxes67/77 | - | €3k | - |
| Profit (loss) for the period9904 | €253k | €111k | ▼ 56.3% |
| Profit (loss) for the period to be appropriated9905 | €253k | €111k | ▼ 56.3% |
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €1.23M | €1.42M | ▲ 15.6% |
| Fixed assets21/28 | €498 | €498 | = |
| Financial fixed assets28 | €498 | €498 | = |
| Current assets29/58 | €1.23M | €1.42M | ▲ 15.6% |
| Amounts receivable within one year40/41 | €59k | €52k | ▼ 11.0% |
| Other amounts receivable41 | €59k | €52k | ▼ 11.0% |
| Current investments50/53 | - | €506k | - |
| Cash at bank and in hand54/58 | €1.17M | €859k | ▼ 26.4% |
| Deferred charges and accrued income490/1 | €2k | €3k | ▲ 35.0% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €1.23M | €1.42M | ▲ 15.6% |
| Equity10/15 | €1.19M | €1.30M | ▲ 9.3% |
| Contributions10/11 | €747k | €747k | = |
| Capital10 | €747k | €747k | = |
| Profit (loss) carried forward14 | €447k | €558k | ▲ 24.8% |
| Amounts payable17/49 | €36k | €117k | ▲ 226% |
| Amounts payable after more than one year17 | - | €100k | - |
| Financial debts170/4 | - | €100k | - |
| Amounts payable within one year42/48 | €36k | €17k | ▼ 53.5% |
| Trade debts44 | €17k | €12k | ▼ 31.5% |
| Suppliers440/4 | €17k | €12k | ▼ 31.5% |
| Taxes, remuneration and social security45 | €14k | - | - |
| Remuneration and social security454/9 | €14k | - | - |
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €253k | €111k | ▼ 56.3% |
| Operating cash flow (approximation) | €253k | €111k | ▼ 56.3% |
| Investment in fixed assets (approximation) | - | €0 | - |
| Change in cash | - | €-309k | - |
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
15-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
21-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 85.55
Current ratio from 34.38 to 85.55; short-term debt falls from €36k to €17k.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 9 acts read
About the unread acts
We know of 9 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
9 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, Anderlecht · 5 establishment units since 1922
Ground area
1,225 m²
Building footprint
647 m²
Volume, LiDAR
8,666 m³
2 parcels, Brussels · tallest building 20.0 m, ±5 floors. Linked by address, not a title deed.
5 establishment units
Service PSE
since 19222.138.249.192
Centre PMS libre de Saint-Gilles 1
since 20082.225.695.286
Centre PMS libre de Saint-Gilles 2
since 20082.225.695.385
Centre PMS libre de Saint-Gilles 3
since 20162.256.126.166
PEPS
since 20222.330.671.854
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21562A0119/00F000 | Brussels | 629 m² | 1 · 510 m² | 18.3 m · 4 fl. |
| 21305C0337/00M006 | Brussels | 595 m² | 1 · 137 m² | 20.0 m · 5 fl. |
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.
Public money · subsidies and aid
Wallonia-Brussels Federation
2022 to 2023 · 51 entries · 65,924 EUR in total| Year | Entries | paid |
|---|---|---|
| 2023 | 24 | 29,781 EUR |
| 2022 | 27 | 36,143 EUR |
Budget allocations
Subventions forfaitaires dans le fondamental
Subventions forfaitaires - Enseignement de plein exercice
Subventions forfaitaires
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Of 89 companies in sector 85691 we hold annual accounts for 27. 23 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formNon-profit association
Founded31-08-2017
Fiscal year end31-12
Activities, NACEBEL 2025
85691Education
Scores and ratios are computed by Checked and are not a credit decision.