PEPS COMMUNICATION
ActivePEPS COMMUNICATION has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €494k and a net result of €296k. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 51% of 922 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency91▲+33
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 2.0 against 1.66 in 2024), but 54.2% 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
45.8%
Return on assets
27.4%
Age of the figures
8 mo
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
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €494k
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 19-05-2026, 73 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
73 d early
2024
73 d early
2023
58 d early
2022
60 d early
2021
41 d early
2020
54 d early
2019
39 d early
← before the deadline
after the deadline →
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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€296k▲ 141%
2024 · €123k
2018: €50k
2019: €3k
2020: €16k
2021: €9k
2022: €25k
2023: €20k
2024: €123k
2018 → 2025
Working capital
€306k▲ 161%
2024 · €117k
2018: €111k
2019: €234k
2020: €231k
2021: €130k
2022: €-111k
2023: €49k
2024: €117k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€152k-€168k▲ 10.1%€140k▼ 16.6%€223k▲ 59.1%€494k▲ 122%
Operating result€257k-€296k▲ 14.9%€67k▼ 77.4%€192k▲ 187%€450k▲ 134%
Net result€9k-€25k▲ 197%€20k▼ 20.4%€123k▲ 507%€296k▲ 141%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 134% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.08M
Fixed assets
€468k▼ 6.3%
Current assets
€612k▲ 108%
Equity and liabilities €1.08M
Equity
€494k▲ 122%
Provisions
€5k▼ 29.6%
Debt
€581k▲ 2.9%
The debt ratio falls from 71.1% to 53.8%: equity grows faster than debt.
Key figures and ratios
EBITDA
€481k▲
2024 · €222k
Cash flow
€327k▲
2024 · €153k
Solvency
45.8%▲
2024 · 28.0%
Current ratio
2.00▲
2024 · 1.66
Quick ratio
2.00▲
2024 · 1.66
Debt / equity
1.18▼
2024 · 2.54
ROE
59.8%▲
2024 · 55.1%
ROA
27.4%▲
2024 · 15.5%
Interest coverage
23.06▲
2024 · 9.07
Debt
€581k▲
2024 · €565k
Debt ≤ 1 year
€306k▲
2024 · €177k
Debt > 1 year
€275k▼
2024 · €387k
Income taxes
€133k▲
2024 · €45k
Staff costs
€78k▲
2024 · €71k
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€794k€1.08M▲
Fixed assets21/28€500k€468k▼
Tangible fixed assets22/27€499k€468k▼
Land and buildings22€427k€416k▼
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€36k€22k▼
Leasing and similar rights25€3k€2k▼
Other tangible fixed assets26€29k€25k▼
Financial fixed assets28€325€325=
Current assets29/58€294k€612k▲
Amounts receivable within one year40/41€167k€262k▲
Trade receivables40€145k€261k▲
Other amounts receivable41€22k€890▼
Current investments50/53-€100k
Cash at bank and in hand54/58€123k€246k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€794k€1.08M▲
Equity10/15€223k€494k▲
Contributions10/11€20k€20k=
Outside capital11€20k€20k=
Other1109/19€20k€20k=
Reserves13€99k€369k▲
Tax-exempt reserves132€19k€19k=
Distributable reserves133€80k€350k▲
Profit (loss) carried forward14€103k€105k▲
Provisions and deferred taxes16€7k€5k▼
Provisions for liabilities and charges160/5€7k€5k▼
Other liabilities and charges164/5€7k€5k▼
Amounts payable17/49€565k€581k▲
Amounts payable after more than one year17€387k€275k▼
Financial debts170/4€287k€275k▼
Other amounts payable178/9€100k-
Amounts payable within one year42/48€177k€306k▲
Current portion of amounts payable after more than one year42€54k€54k▲
Trade debts44€54k€136k▲
Suppliers440/4€54k€136k▲
Taxes, remuneration and social security45€29k€71k▲
Taxes450/3€20k€56k▲
Remuneration and social security454/9€9k€14k▲
Other amounts payable47/48€41k€45k▲
Income statement
Code20242025
Non-recurring operating income76A€24k-
Remuneration, social security and pensions62€71k€78k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€31k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€2k€-2k▼
Other operating charges640/8€10k€4k▼
Non-recurring operating charges66A€1k-
Gross operating margin9900€307k€561k▲
Operating profit (loss)9901€192k€450k▲
Financial income75/76B€250€94▼
Recurring financial income75€250€94▼
Financial charges65/66B€25k€21k▼
Recurring financial charges65€25k€21k▼
Profit (loss) for the period before taxes9903€168k€429k▲
Income taxes67/77€45k€133k▲
Profit (loss) for the period9904€123k€296k▲
Profit (loss) for the period to be appropriated9905€123k€296k▲
Appropriation of the result
Profit (loss) to be appropriated9906€223k€399k▲
Profit (loss) brought forward from the previous period14P€101k€103k▲
Transfer to equity691/2€80k€270k▲
To other reserves6921€80k€270k▲
Profit to be distributed694/7€40k€24k▼
Return on contributions (dividend)694€40k€24k▼
Social balance
Average headcount (FTE)90871.01.1▲
The notes to these accounts (12 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
19-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2018net €296k ▲141%
Operating result €450k, net result €296k, both a record.
19-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Equity above €200kEq €223k ▲59.1%
7 profitable years in a row build equity to €223k.
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
01-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
07-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Weakest financial yearnet €3k ▼93.4%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
19-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Liège · 1 establishment unit since 2009
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.
Av. Constantin-de-Gerlache 334000 Liège1 establishment unit
PEPS COMMUNICATION SPRL
since 20092.178.423.624
Recognitions · licences · registrations
Legal Entity Identifier
254900HP0VBI0ZME9384
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Of 13,391 companies in sector 73300 we hold annual accounts for 6,881. 4,176 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-01-2009
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
82300Organisation of conventions and trade shows
82990Other business support services
90021Arts creation and performing arts activities
90391Promotion and organisation of arts and performing arts events
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filings
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.