Summary
PERAO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €22,199 and a net result of €275. Equity is growing by ~38.2% per year across the filed fiscal years. Its solvency ranks better than 43% of 2464 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
28 d late
2024
27 d late
2023
44 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 4 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
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. Usually files around 27 August (3 of the last 3 filed years within 70 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€22,199▲ 1.3%
2024 · €21,924
Net result
€275▼ 98.3%
2024 · €16,462
Total assets
€52,738▼ 14.1%
2024 · €61,424
Solvency
42.1%▲ 6.4pp
2024 · 35.7%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result€973-€22,777▲ 2,242%€2,984▼ 86.9%
Net result€462below the sector's middle half-€16,462within the sector's middle half▲ 3,466%€275below the sector's middle half▼ 98.3%
Equity€5,462below the sector's middle half-€21,924below the sector's middle half▲ 301%€22,199below the sector's middle half▲ 1.3%
Total assets€10,223below the sector's middle half-€61,424below the sector's middle half▲ 501%€52,738below the sector's middle half▼ 14.1%
Debt€4,761-€39,500▲ 730%€30,540▼ 22.7%
Working capital€5,462within the sector's middle half-€19,418within the sector's middle half▲ 256%€20,693within the sector's middle half▲ 6.6%
Solvency53.4%within the sector's middle half-35.7%within the sector's middle half▼ 17.7pp42.1%within the sector's middle half▲ 6.4pp
Current ratio2.15within the sector's middle half-1.49within the sector's middle half▼ 0.661.68within the sector's middle half▲ 0.19
Return on assets (ROA)4.5%within the sector's middle half-26.8%above the sector's middle half▲ 22.3pp0.5%below the sector's middle half▼ 26.3pp
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
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 2025; 2025 is 87% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €52,738
Fixed assets
€1,506 ▼ 39.9%
Current assets
€51,233 ▼ 13.0%
Equity and liabilities €52,738
Equity
€22,199 ▲ 1.3%
Debt
€30,540 ▼ 22.7%
Debt's share of the balance-sheet total falls from 64.3% to 57.9%. Equity is higher and debt is lower.
Key figures and ratios
ROE
1.2%▼
2024 · 75.1%
Debt ≤ 1 year
€30,540▼
2024 · €39,500
Income taxes
€2,601▼
2024 · €6,203
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €494 | €1,000 | ▲ 102% |
| Other operating charges640/8 | €50 | €772 | €825 | ▲ 6.9% |
| Gross operating margin9900 | €1,023 | €24,043 | €4,809 | ▼ 80.0% |
| Operating profit (loss)9901 | €973 | €22,777 | €2,984 | ▼ 86.9% |
| Financial income75/76B | - | - | €4 | - |
| Recurring financial income75 | - | - | €4 | - |
| Financial charges65/66B | €40 | €112 | €112 | ▲ 0.6% |
| Recurring financial charges65 | €40 | €112 | €112 | ▲ 0.6% |
| Profit (loss) for the period before taxes9903 | €933 | €22,665 | €2,876 | ▼ 87.3% |
| Income taxes67/77 | €472 | €6,203 | €2,601 | ▼ 58.1% |
| Profit (loss) for the period9904 | €462 | €16,462 | €275 | ▼ 98.3% |
| Profit (loss) for the period to be appropriated9905 | €462 | €16,462 | €275 | ▼ 98.3% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €10,223 | €61,424 | €52,738 | ▼ 14.1% |
| Fixed assets21/28 | - | €2,506 | €1,506 | ▼ 39.9% |
| Intangible fixed assets21 | - | €2,506 | €1,506 | ▼ 39.9% |
| Current assets29/58 | €10,223 | €58,918 | €51,233 | ▼ 13.0% |
| Amounts receivable within one year40/41 | €298 | €27,708 | €33,008 | ▲ 19.1% |
| Trade receivables40 | - | €27,708 | €32,904 | ▲ 18.8% |
| Other amounts receivable41 | €298 | €0 | €103 | - |
| Cash at bank and in hand54/58 | €9,925 | €30,405 | €17,915 | ▼ 41.1% |
| Deferred charges and accrued income490/1 | - | €805 | €311 | ▼ 61.4% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €10,223 | €61,424 | €52,738 | ▼ 14.1% |
| Equity10/15 | €5,462 | €21,924 | €22,199 | ▲ 1.3% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | = |
| Profit (loss) carried forward14 | €462 | €16,924 | €17,199 | ▲ 1.6% |
| Amounts payable17/49 | €4,761 | €39,500 | €30,540 | ▼ 22.7% |
| Amounts payable within one year42/48 | €4,761 | €39,500 | €30,540 | ▼ 22.7% |
| Trade debts44 | €1,373 | €8,640 | €1,000 | ▼ 88.4% |
| Suppliers440/4 | €1,373 | €8,640 | €1,000 | ▼ 88.4% |
| Taxes, remuneration and social security45 | €472 | €12,534 | €15,372 | ▲ 22.6% |
| Taxes450/3 | €472 | €12,534 | €15,372 | ▲ 22.6% |
| Other amounts payable47/48 | €2,916 | €18,326 | €14,168 | ▼ 22.7% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €462 | €16,462 | €275 | ▼ 98.3% |
| + Depreciation and write-downs630 | - | €494 | €1,000 | ▲ 102% |
| Operating cash flow (approximation) | €462 | €16,957 | €1,275 | ▼ 92.5% |
| Investment in fixed assets (approximation) | - | - | €0 | - |
| Change in cash | - | €20,481 | -€12,491 | ▼ 161% |
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €275 ▼98.3%
Net result drops to €275, the lowest in the series.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Highest result since 2023net €16,462 ▲3,466%
Operating result €22,777, net result €16,462, both a record.
17-06
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 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Mons · 1 establishment unit since 2023
Ground area
381 m²
Building footprint
130 m²
Volume, LiDAR
1,550 m³
Parcel 53403E0050/00R000, Wallonia · tallest building 13.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
PERAO
since 20232.343.854.748
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53403E0050/00R000 | Wallonia | 381 m² | 1 · 130 m² | 13.6 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.
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Of 853 companies in sector 66210 we hold annual accounts for 511. 308 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded29-03-2023
Fiscal year end31-12
Activities, NACEBEL 2025
66210Risk and damage evaluation
Contact
E-mail
info@perao.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0800117762
Also
9925:BE0800117762
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.