PETER FRANS
ActivePETER FRANS has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €49k and a net result of €16k. Its solvency ranks better than 60% of 7694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▼-6
Solvency87▲+12
Growth52
Track record82
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 2.25 against 1.41 in 2024; short-term debt: 37.9% and cash: 38.2% of total assets), and 37.9% 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 · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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
62.1%
Return on assets
20.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 2 filingsDeviation from the deadline
2025
31 d late
2024
396 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€49k▲ 49.3%
2024 · €33k
2024: €33k
2024 → 2025
Total assets
€78k▲ 21.0%
2024 · €65k
2024: €65k
2024 → 2025
Net result
€16k▼ 47.4%
2024 · €31k
2024: €31k
2024 → 2025
Working capital
€37k▲ 179%
2024 · €13k
2024: €13k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€33k-€49k▲ 49.3%
Operating result€44k-€24k▼ 45.0%
Net result€31k-€16k▼ 47.4%
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 45% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €78k
Fixed assets
€12k▼ 39.6%
Current assets
€67k▲ 46.8%
Equity and liabilities €78k
Equity
€49k▲ 49.3%
Debt
€30k▼ 7.8%
The debt ratio falls from 49.7% to 37.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€34k▼
2024 · €51k
Cash flow
€26k▼
2024 · €38k
Solvency
62.1%▲
2024 · 50.3%
Current ratio
2.25▲
2024 · 1.41
Quick ratio
2.25▲
2024 · 1.41
Debt / equity
0.61▼
2024 · 0.99
ROE
33.0%▼
2024 · 93.9%
ROA
20.5%▼
2024 · 47.3%
Interest coverage
306.39▼
2024 · 384.65
Debt
€30k▼
2024 · €32k
Debt ≤ 1 year
€30k▼
2024 · €32k
Income taxes
€8k▼
2024 · €14k
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€65k€78k▲
Fixed assets21/28€19k€12k▼
Tangible fixed assets22/27€19k€12k▼
Furniture and vehicles24€19k€12k▼
Current assets29/58€45k€67k▲
Amounts receivable within one year40/41€7k€37k▲
Trade receivables40€7k€35k▲
Other amounts receivable41-€1k
Cash at bank and in hand54/58€39k€30k▼
Equity and liabilities
Total equity and liabilities10/49€65k€78k▲
Equity10/15€33k€49k▲
Contributions10/11€2k€2k=
Reserves13€31k€47k▲
Distributable reserves133€31k€47k▲
Amounts payable17/49€32k€30k▼
Amounts payable within one year42/48€32k€30k▼
Trade debts44€1k€1k▼
Suppliers440/4€1k€1k▼
Taxes, remuneration and social security45€9k€6k▼
Taxes450/3€9k€6k▼
Other amounts payable47/48€22k€22k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€9k▲
Other operating charges640/8€528€400▼
Gross operating margin9900€52k€34k▼
Operating profit (loss)9901€44k€24k▼
Financial charges65/66B€134€110▼
Recurring financial charges65€134€110▼
Profit (loss) for the period before taxes9903€44k€24k▼
Income taxes67/77€14k€8k▼
Profit (loss) for the period9904€31k€16k▼
Profit (loss) for the period to be appropriated9905€31k€16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€31k€16k▼
Transfer to equity691/2€31k€16k▼
To other reserves6921€31k€16k▼
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 396 days late
NBB filing
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, Gent · 1 establishment unit since 2024
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.
Walstraat 149050 GentGround area
91 m²
Building footprint
61 m²
Volume, LiDAR
449 m³
Parcel 44363B0348/00N002, Flanders · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PETER FRANS
since 20242.355.564.925
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44363B0348/00N002 | Flanders | 91 m² | 1 · 61 m² | 11.0 m · 3 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.
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HD NEGOCE
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Momignies · Eq €49k
Of 24,505 companies in sector 82990 we hold annual accounts for 9,396. 6,890 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-01-2024
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
70200Business and other management consultancy
70220Business consulting
73110Advertising agencies
82300Organisation of conventions and trade shows
Sources
Crossroads Bank for EnterprisesNational Bank · 2 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.