Peter Deckers Management 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 €273k and a net result of €42k. Equity is growing by ~35.4% per year across the filed fiscal years. Its solvency ranks better than 51% of 7980 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Three signals. 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 14-08-2026, 14 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 · 10 filingsDeviation from the deadline
2025
14 d late
2024
29 d late
2023
on the day
2022
23 d late
2021
19 d late
2020
31 d late
2019
90 d late
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€273k▲ 18.0%
2024 · €231k
2018: €20k
2019: €33k
2020: €54k
2021: €67k
2022: €156k
2023: €198k
2024: €231k
2018 → 2025
Net result
€42k▲ 23.6%
2024 · €34k
2018: €6k
2019: €12k
2020: €22k
2021: €13k
2022: €88k
2023: €42k
2024: €34k
2018 → 2025
Total assets
€520k▼ 20.6%
2024 · €656k
2018: €680k
2019: €552k
2020: €504k
2021: €519k
2022: €641k
2023: €841k
2024: €656k
2018 → 2025
Solvency
52.5%▲ 17.2pp
2024 · 35.3%
2018: 3.0%
2019: 5.9%
2020: 10.8%
2021: 13.0%
2022: 24.3%
2023: 23.5%
2024: 35.3%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€67k-€156k▲ 131%€198k▲ 27.0%€231k▲ 17.0%€273k▲ 18.0%
Operating result€21k-€129k▲ 502%€68k▼ 46.9%€102k▲ 49.3%€116k▲ 13.1%
Net result€13k-€88k▲ 566%€42k▼ 52.3%€34k▼ 19.9%€42k▲ 23.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 13% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €520k
Fixed assets
€418k▼ 18.9%
Current assets
€102k▼ 27.0%
Equity and liabilities €520k
Equity
€273k▲ 18.0%
Debt
€247k▼ 41.7%
The debt ratio falls from 64.7% to 47.5%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
52.5%▲
2024 · 35.3%
ROE
15.3%▲
2024 · 14.6%
ROA
8.0%▲
2024 · 5.1%
Debt
€247k▼
2024 · €424k
Debt ≤ 1 year
€190k▼
2024 · €235k
Debt > 1 year
€57k▼
2024 · €137k
Income taxes
€13k▼
2024 · €17k
Staff costs
€43k▲
2024 · €39k
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€656k€520k▼
Fixed assets21/28€516k€418k▼
Tangible fixed assets22/27€516k€418k▼
Land and buildings22€403k€308k▼
Plant, machinery and equipment23€109k€108k▼
Furniture and vehicles24€4k€2k▼
Current assets29/58€140k€102k▼
Stocks and contracts in progress3€2k€2k=
Stocks30/36€2k€2k=
Amounts receivable within one year40/41€103k€46k▼
Trade receivables40€98k€39k▼
Other amounts receivable41€5k€8k▲
Current investments50/53-€33k
Cash at bank and in hand54/58€14k€18k▲
Deferred charges and accrued income490/1€21k€4k▼
Equity and liabilities
Total equity and liabilities10/49€656k€520k▼
Equity10/15€231k€273k▲
Contributions10/11€6k€6k=
Reserves13€225k€267k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€223k€265k▲
Amounts payable17/49€424k€247k▼
Amounts payable after more than one year17€137k€57k▼
Financial debts170/4€137k€57k▼
Amounts payable within one year42/48€235k€190k▼
Current portion of amounts payable after more than one year42€34k€26k▼
Financial debts43€4k€4k▼
Credit institutions430/8€4k€4k▼
Trade debts44€26k€37k▲
Suppliers440/4€26k€37k▲
Taxes, remuneration and social security45€6k€35k▲
Taxes450/3€2k€27k▲
Remuneration and social security454/9€5k€8k▲
Other amounts payable47/48€164k€89k▼
Accrued charges and deferred income492/3€53k€0▼
Income statement
Code20242025
Non-recurring operating income76A-€41k
Remuneration, social security and pensions62€39k€43k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€23k▼
Other operating charges640/8-€1k
Non-recurring operating charges66A€13k€0▼
Gross operating margin9900€182k€183k▲
Operating profit (loss)9901€102k€116k▲
Financial charges65/66B€52k€61k▲
Recurring financial charges65€52k€61k▲
Profit (loss) for the period before taxes9903€50k€55k▲
Income taxes67/77€17k€13k▼
Profit (loss) for the period9904€34k€42k▲
Profit (loss) for the period to be appropriated9905€34k€42k▲
Appropriation of the result
Profit (loss) to be appropriated9906€34k€42k▲
Transfer to equity691/2€34k€42k▲
To other reserves6921€34k€42k▲
The notes to these accounts (8 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
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 14 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Equity above €200kEq €231k ▲17%
7 profitable years in a row build equity to €231k.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
31-12
Financial
Highest result since 2018net €88k ▲566%
Operating result €129k, net result €88k, both a record.
31-12
Financial
Equity above €150kEq €156k ▲131%
5 profitable years in a row build equity to €156k.
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Heist-op-den-Berg · 1 establishment unit since 2023
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.
Misweg 32220 Heist-op-den-BergGround area
2.2 ha
Building footprint
1.8 ha
Volume, LiDAR
155,679 m³
2 parcels, Flanders · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Peter Deckers Management
since 20232.347.507.490
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12014K0411/00K000indicative | Flanders | 1.3 ha | 1 · 1.2 ha | 11.3 m · 3 fl. |
| 12014K0821/00S000 | Flanders | 9,177 m² | 1 · 5,436 m² | 8.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
254900M5N1YTRBNHHQ74
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 13,704 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-12-2015
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
01430Raising of horses and other equines
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.