PEREMANS MICHEL
ActivePEREMANS MICHEL has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €142k and a net result of €62k. Equity is growing by ~20.8% per year across the filed fiscal years. Its solvency ranks better than 61% of 27559 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency82▲+26
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 2.08 against 1.27 in 2024; short-term debt: 43.3% and cash: 0.7% of total assets), and 43.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
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
56.7%
Return on assets
25%
Age of the figures
9 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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
14 d late
2023
6 d early
2022
30 d late
2021
11 d early
2020
16 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€142k▲ 76.7%
2024 · €80k
2018: €50k
2019: €25k
2020: €27k
2021: €33k
2022: €42k
2023: €7k
2024: €80k
2018 → 2025
Total assets
€250k▼ 4.9%
2024 · €263k
2018: €342k
2019: €953k
2020: €889k
2021: €1.02M
2022: €1.24M
2023: €329k
2024: €263k
2018 → 2025
Net result
€62k▼ 15.4%
2024 · €74k
2018: €35k
2019: €-4k
2020: €2k
2021: €7k
2022: €10k
2023: €-34k
2024: €74k
2018 → 2025
Working capital
€117k▲ 150%
2024 · €47k
2018: €63k
2019: €795k
2020: €717k
2021: €667k
2022: €403k
2023: €-50k
2024: €47k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€33k-€42k▲ 27.9%€7k▼ 82.4%€80k▲ 981%€142k▲ 76.7%
Operating result€55k-€41k▼ 25.3%€34k▼ 18.1%€108k▲ 220%€100k▼ 7.5%
Net result€7k-€10k▲ 47.6%€-34k€74k€62k▼ 15.4%
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 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €250k
Fixed assets
€25k▼ 37.3%
Current assets
€225k▲ 0.9%
Equity and liabilities €250k
Equity
€142k▲ 76.7%
Debt
€108k▼ 40.8%
The debt ratio falls from 69.5% to 43.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€115k▼
2024 · €123k
Cash flow
€77k▼
2024 · €89k
Solvency
56.7%▲
2024 · 30.5%
Current ratio
2.08▲
2024 · 1.27
Quick ratio
2.08▲
2024 · 1.27
Debt / equity
0.76▼
2024 · 2.27
ROE
44.0%▼
2024 · 91.8%
ROA
25.0%▼
2024 · 28.0%
Interest coverage
13.40▲
2024 · 8.67
Debt
€108k▼
2024 · €183k
Debt ≤ 1 year
€108k▼
2024 · €176k
Income taxes
€29k▲
2024 · €20k
Staff costs
€112▼
2024 · €29k
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€263k€250k▼
Fixed assets21/28€40k€25k▼
Tangible fixed assets22/27€34k€19k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€32k€18k▼
Financial fixed assets28€5k€5k=
Current assets29/58€223k€225k▲
Amounts receivable within one year40/41€215k€217k▲
Trade receivables40€47k€25k▼
Other amounts receivable41€168k€192k▲
Current investments50/53€6k€6k=
Cash at bank and in hand54/58€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€263k€250k▼
Equity10/15€80k€142k▲
Contributions10/11€19k€19k=
Reserves13€62k€123k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€60k€121k▲
Amounts payable17/49€183k€108k▼
Amounts payable after more than one year17€5k-
Financial debts170/4€5k-
Amounts payable within one year42/48€176k€108k▼
Current portion of amounts payable after more than one year42€17k€5k▼
Financial debts43€23k€1k▼
Credit institutions430/8€23k€1k▼
Trade debts44€57k€33k▼
Suppliers440/4€57k€33k▼
Taxes, remuneration and social security45€79k€68k▼
Taxes450/3€79k€68k▼
Other amounts payable47/48€601€583▼
Accrued charges and deferred income492/3€1k-
Income statement
Code20242025
Non-recurring operating income76A€3€113k▲
Remuneration, social security and pensions62€29k€112▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€15k▲
Other operating charges640/8€25k€5k▼
Non-recurring operating charges66A€1k-
Gross operating margin9900€178k€120k▼
Operating profit (loss)9901€108k€100k▼
Financial income75/76B€62-
Recurring financial income75€62-
Financial charges65/66B€14k€9k▼
Recurring financial charges65€14k€9k▼
Non-recurring financial charges66B€4-
Profit (loss) for the period before taxes9903€94k€92k▼
Income taxes67/77€20k€29k▲
Profit (loss) for the period9904€74k€62k▼
Profit (loss) for the period to be appropriated9905€74k€62k▼
Appropriation of the result
Profit (loss) to be appropriated9906€39k€62k▲
Profit (loss) brought forward from the previous period14P€-35k-
Transfer to equity691/2€38k€62k▲
To other reserves6921€38k€62k▲
Profit to be distributed694/7€859€833▼
Return on contributions (dividend)694€859€833▼
The notes to these accounts (7 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100kEq €142k ▲76.7%
2 profitable years in a row build equity to €142k.
14-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 14 days late
2024
31-12
Financial
Back to profitnet €74k
Net result €74k after one loss-making year.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-34k ▼439%
Net result drops to €-34k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity times 6current ratio 8.01
Current ratio from 1.28 to 8.01; short-term debt falls from €221k to €113k.
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
02-07
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.
Directors · office · real estate
Directors
6 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, Bonheiden · 1 establishment unit since 2000
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.
Meiboomstraat 32820 BonheidenGround area
2.1 ha
Building footprint
8,326 m²
Volume, LiDAR
40,683 m³
Parcel 12031B0897/00A000, Flanders · tallest building 17.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Meiboomstraat 3, 2820 Bonheiden
since 20002.051.625.125
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12031B0897/00A000 | Flanders | 2.1 ha | 1 · 8,326 m² | 17.4 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.
Similar companies · same sector, comparable size
PAL TOITURES
BE 0803.868.197
Yvoir · Eq €142k
Roof Concept
BE 0779.913.751
Namur · Eq €142k
MARANO V.G.S.
BE 0465.129.054
Lobbes · Eq €142k
DAKWERKEN VAN TONGERLOO
BE 0689.662.179
Nijlen · Eq €142k
AK TOITURES
BE 0797.338.812
Pont-à-Celles · Eq €142k
Of 8,564 companies in sector 43410 we hold annual accounts for 4,354. 3,764 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded25-01-1991
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
45220
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.