PETER BOSMANS
ActiveSummary
PETER BOSMANS has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €446,223 and a net result of -€12,740. Equity is growing by ~9% per year across the filed fiscal years. Its solvency ranks better than 67% of 18606 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability17▼-63
Solvency79▼-21
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24,000 at 30 days acceptable
Liquidity ample (current ratio 2.76 against 9.17 in 2024; short-term debt: 36.1% and cash: 1.6% of total assets), and 45.8% of the assets are financed with debt.
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Signals
Three 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 10-04-2026, 20 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
20 d early
2024
37 d early
2023
32 d early
2022
30 d early
2021
36 d early
2020
31 d early
2019
34 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 31 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 30 March (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€446,223▼ 2.8%
2024 · €458,963
Total assets
€823,317▲ 36.0%
2024 · €605,430
Net result
-€12,740
2024 · €55,566
Working capital
€521,614▼ 2.2%
2024 · €533,199
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, 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
Line20212022202320242025
Operating result-€20,389€191,412-€26,085€78,162-€6,690
Net result-€23,820below the sector's middle half€132,801above the sector's middle half-€30,839below the sector's middle half€55,566above the sector's middle half-€12,740below the sector's middle half
Equity€301,435above the sector's middle half▼ 7.3%€434,236above the sector's middle half▲ 44.1%€403,397above the sector's middle half▼ 7.1%€458,963above the sector's middle half▲ 13.8%€446,223above the sector's middle half▼ 2.8%
Total assets€406,813above the sector's middle half▼ 15.7%€540,489above the sector's middle half▲ 32.9%€492,504above the sector's middle half▼ 8.9%€605,430above the sector's middle half▲ 22.9%€823,317above the sector's middle half▲ 36.0%
Debt€105,378▼ 33.1%€106,252▲ 0.8%€89,107▼ 16.1%€146,467▲ 64.4%€377,094▲ 157%
Working capital€378,933above the sector's middle half▼ 10.3%€502,488above the sector's middle half▲ 32.6%€474,029above the sector's middle half▼ 5.7%€533,199above the sector's middle half▲ 12.5%€521,614above the sector's middle half▼ 2.2%
Solvency74.1%above the sector's middle half▲ 6.7pp80.3%above the sector's middle half▲ 6.2pp81.9%above the sector's middle half▲ 1.6pp75.8%above the sector's middle half▼ 6.1pp54.2%within the sector's middle half▼ 21.6pp
Current ratio15.93above the sector's middle half▲ 7.5920.14above the sector's middle half▲ 4.2153.05above the sector's middle half▲ 32.919.17above the sector's middle half▼ 43.882.76within the sector's middle half▼ 6.42
Return on assets (ROA)-5.9%below the sector's middle half▼ 19.6pp24.6%above the sector's middle half▲ 30.4pp-6.3%below the sector's middle half▼ 30.8pp9.2%within the sector's middle half▲ 15.4pp-1.5%within the sector's middle half▼ 10.7pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, 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 turns negative in 2025: a loss of €6,690 after €78,162 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €823,317
Fixed assets
€4,608 ▼ 34.1%
Current assets
€818,708 ▲ 36.8%
Equity and liabilities €823,317
Equity
€446,223 ▼ 2.8%
Debt
€377,094 ▲ 157%
Debt's share of the balance-sheet total rises from 24.2% to 45.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€4,310▼
2024 · €80,542
Cash flow
-€10,360▼
2024 · €57,946
Quick ratio
0.07▼
2024 · 2.59
Debt to equity
0.85▲
2024 · 0.32
ROE
-2.9%▼
2024 · 12.1%
Interest coverage
-0.71▼
2024 · 13.06
Debt ≤ 1 year
€297,094▲
2024 · €65,242
Debt > 1 year
€80,000=
2024 · €80,000
Income taxes
€0▼
2024 · €16,514
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 8,616 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 94% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a small loss
0.4%
went bankrupt
5.2%
stopped otherwise
94%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 8,616 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €590 | €602 | €2,380 | €2,380 | €2,380 | = |
| Other operating charges640/8 | - | €652 | €1,023 | €15,514 | €2,328 | ▼ 85.0% |
| Gross operating margin9900 | -€18,510 | €192,665 | -€22,683 | €96,056 | -€1,982 | ▼ 102% |
| Operating profit (loss)9901 | -€20,389 | €191,412 | -€26,085 | €78,162 | -€6,690 | ▼ 109% |
| Financial income75/76B | - | €7 | €10 | €86 | €37 | ▼ 57.3% |
| Recurring financial income75 | €9 | €7 | €10 | €86 | €37 | ▼ 57.3% |
| Financial charges65/66B | - | €3,427 | €4,764 | €6,168 | €6,086 | ▼ 1.3% |
| Recurring financial charges65 | €3,439 | €3,427 | €4,764 | €6,168 | €6,086 | ▼ 1.3% |
| Profit (loss) for the period before taxes9903 | -€23,820 | €187,992 | -€30,839 | €72,080 | -€12,740 | ▼ 118% |
| Income taxes67/77 | €0 | €55,190 | €0 | €16,514 | €0 | ▼ 100% |
| Profit (loss) for the period9904 | -€23,820 | €132,801 | -€30,839 | €55,566 | -€12,740 | ▼ 123% |
| Transfer from tax-exempt reserves789 | - | €68 | €0 | - | - | - |
| Profit (loss) for the period to be appropriated9905 | -€23,820 | €132,869 | -€30,839 | €55,566 | -€12,740 | ▼ 123% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €406,813 | €540,489 | €492,504 | €605,430 | €823,317 | ▲ 36.0% |
| Fixed assets21/28 | €2,502 | €11,748 | €9,368 | €6,988 | €4,608 | ▼ 34.1% |
| Tangible fixed assets22/27 | €2,052 | €11,298 | €8,918 | €6,538 | €4,158 | ▼ 36.4% |
| Furniture and vehicles24 | - | €11,298 | €8,918 | €6,538 | €4,158 | ▼ 36.4% |
| Financial fixed assets28 | €450 | €450 | €450 | €450 | €450 | = |
| Current assets29/58 | €404,311 | €528,740 | €483,136 | €598,441 | €818,708 | ▲ 36.8% |
| Stocks and contracts in progress3 | €384,869 | €161,815 | €457,506 | €429,514 | €798,744 | ▲ 86.0% |
| Stocks30/36 | - | €161,815 | €457,506 | €429,514 | €798,744 | ▲ 86.0% |
| Amounts receivable within one year40/41 | €15,000 | €16,980 | €15,000 | €1,864 | €6,670 | ▲ 258% |
| Trade receivables40 | - | €15,000 | €15,000 | €878 | €6,670 | ▲ 660% |
| Other amounts receivable41 | - | €1,980 | €0 | €986 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €3,398 | €348,726 | €9,621 | €166,728 | €12,960 | ▼ 92.2% |
| Deferred charges and accrued income490/1 | - | €1,219 | €1,009 | €336 | €335 | ▼ 0.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €406,813 | €540,489 | €492,504 | €605,430 | €823,317 | ▲ 36.0% |
| Equity10/15 | €301,435 | €434,236 | €403,397 | €458,963 | €446,223 | ▼ 2.8% |
| Contributions10/11 | - | €19,000 | €19,000 | €19,000 | €19,000 | = |
| Reserves13 | €171,686 | €304,487 | €304,487 | €360,053 | €360,053 | = |
| Non-distributable reserves130/1 | - | €1,900 | €0 | - | - | - |
| Reserves not available under the articles1311 | - | €1,900 | €0 | - | - | - |
| Tax-exempt reserves132 | - | €0 | - | - | - | - |
| Distributable reserves133 | - | €302,587 | €304,487 | €360,053 | €360,053 | = |
| Profit (loss) carried forward14 | €110,749 | €110,749 | €79,910 | €79,910 | €67,170 | ▼ 15.9% |
| Amounts payable17/49 | €105,378 | €106,252 | €89,107 | €146,467 | €377,094 | ▲ 157% |
| Amounts payable after more than one year17 | €80,000 | €80,000 | €80,000 | €80,000 | €80,000 | = |
| Financial debts170/4 | - | €80,000 | €80,000 | €80,000 | €80,000 | = |
| Amounts payable within one year42/48 | €25,378 | €26,252 | €9,107 | €65,242 | €297,094 | ▲ 355% |
| Trade debts44 | €530 | €1,830 | €766 | €67 | €247 | ▲ 270% |
| Suppliers440/4 | - | €1,830 | €766 | €67 | €247 | ▲ 270% |
| Taxes, remuneration and social security45 | - | €12,422 | €1,959 | €3,278 | €2,733 | ▼ 16.6% |
| Taxes450/3 | - | €12,422 | €1,959 | €3,278 | €2,733 | ▼ 16.6% |
| Other amounts payable47/48 | - | €12,000 | €6,382 | €61,897 | €294,115 | ▲ 375% |
| Accrued charges and deferred income492/3 | - | - | - | €1,225 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€23,820 | €132,801 | -€30,839 | €55,566 | -€12,740 | ▼ 123% |
| + Depreciation and write-downs630 | €590 | €602 | €2,380 | €2,380 | €2,380 | = |
| Operating cash flow (approximation) | -€23,230 | €133,403 | -€28,459 | €57,946 | -€10,360 | ▼ 118% |
| Investment in fixed assets (approximation) | - | -€9,848 | €0 | €0 | €0 | - |
| Change in cash | - | €345,328 | -€339,105 | €157,107 | -€153,768 | ▼ 198% |
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
10-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €55,566
Net result €55,566 after one loss-making year.
29-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet -€30,839
Net result drops to -€30,839, the lowest in the series; recovery starts the following year.
30-09
Financial
Liquidity triplescurrent ratio 53.05
Current ratio from 20.14 to 53.05; short-term debt falls from €26,252 to €9,107.
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Back to profitnet €132,801
Net result €132,801 after one loss-making year.
25-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-03
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.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Maaseik · 1 establishment unit since 2000
Ground area
673 m²
Building footprint
133 m²
Volume, LiDAR
852 m³
Parcel 72024A1201/00D000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kinrooiersteenweg 33, 3680 Maaseik
since 20002.101.094.234
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72024A1201/00D000 | Flanders | 673 m² | 1 · 133 m² | 8.9 m · 2 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 1,513 companies in sector 47540 we hold annual accounts for 806. 622 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
Founded26-10-2000
Fiscal year end30-09
Activities, NACEBEL 2025
47540Retail sale of electrical household appliances
E-invoicing
Reachable via Peppol
Peppol ID
0208:0473088992
Also
9925:BE0473088992
Registered
03-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.