PETER HERMAN
ActivePETER HERMAN has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €149k and a net result of €23k. Equity is growing by ~22.1% per year across the filed fiscal years. Its solvency ranks better than 86% of 5895 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability84▼-16
Solvency100▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 3.43 against 2.05 in 2023; short-term debt: 22.1% and cash: 62.5% of total assets), and 22.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 81
Relative position
BE, all sectors
reference
Sector 81
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-07-2025, 13 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
13 d early
2023
43 d early
2022
67 d early
2021
47 d early
2020
25 d early
2019
29 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€149k▲ 18.3%
2023 · €126k
2018: €45k
2019: €50k
2020: €64k
2021: €72k
2022: €79k
2023: €126k
2018 → 2024
Total assets
€191k▲ 2.5%
2023 · €187k
2018: €156k
2019: €114k
2020: €127k
2021: €124k
2022: €134k
2023: €187k
2018 → 2024
Net result
€23k▼ 51.1%
2023 · €47k
2018: €13k
2019: €5k
2020: €14k
2021: €8k
2022: €7k
2023: €47k
2018 → 2024
Working capital
€103k▲ 61.0%
2023 · €64k
2018: €-26k
2019: €-11k
2020: €14k
2021: €12k
2022: €39k
2023: €64k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€64k-€72k▲ 12.7%€79k▲ 9.7%€126k▲ 60.0%€149k▲ 18.3%
Operating result€18k-€11k▼ 34.6%€10k▼ 16.4%€71k▲ 643%€35k▼ 50.6%
Net result€14k-€8k▼ 41.4%€7k▼ 14.3%€47k▲ 579%€23k▼ 51.1%
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 2024; 2024 is 51% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €191k
Fixed assets
€47k▼ 25.3%
Current assets
€145k▲ 16.5%
Equity and liabilities €191k
Equity
€149k▲ 18.3%
Debt
€42k▼ 30.3%
The debt ratio falls from 32.5% to 22.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€51k▼
2023 · €83k
Cash flow
€39k▼
2023 · €59k
Solvency
77.9%▲
2023 · 67.5%
Current ratio
3.43▲
2023 · 2.05
Quick ratio
3.43▲
2023 · 2.05
Debt / equity
0.28▼
2023 · 0.48
ROE
15.5%▼
2023 · 37.5%
ROA
12.1%▼
2023 · 25.3%
Interest coverage
1302.14▼
2023 · 1397.17
Debt
€42k▼
2023 · €61k
Debt ≤ 1 year
€42k▼
2023 · €61k
Income taxes
€12k▼
2023 · €25k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€187k€191k▲
Fixed assets21/28€62k€47k▼
Tangible fixed assets22/27€62k€47k▼
Plant, machinery and equipment23€20k€16k▼
Furniture and vehicles24€42k€30k▼
Current assets29/58€124k€145k▲
Amounts receivable within one year40/41€44k€24k▼
Trade receivables40€35k€15k▼
Other amounts receivable41€9k€9k▼
Cash at bank and in hand54/58€80k€120k▲
Deferred charges and accrued income490/1€907€1k▲
Equity and liabilities
Total equity and liabilities10/49€187k€191k▲
Equity10/15€126k€149k▲
Contributions10/11€56k€56k=
Reserves13€70k€93k▲
Distributable reserves133€70k€93k▲
Amounts payable17/49€61k€42k▼
Amounts payable within one year42/48€61k€42k▼
Trade debts44€32k€29k▼
Suppliers440/4€32k€29k▼
Taxes, remuneration and social security45€28k€14k▼
Taxes450/3€28k€14k▼
Other amounts payable47/48€183€36▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€16k▲
Other operating charges640/8€978€1k▲
Gross operating margin9900€84k€52k▼
Operating profit (loss)9901€71k€35k▼
Financial income75/76B€656€435▼
Recurring financial income75€656€435▼
Financial charges65/66B€60€39▼
Recurring financial charges65€60€39▼
Profit (loss) for the period before taxes9903€72k€36k▼
Income taxes67/77€25k€12k▼
Profit (loss) for the period9904€47k€23k▼
Profit (loss) for the period to be appropriated9905€47k€23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€47k€23k▼
Transfer to equity691/2€47k€23k▼
To other reserves6921€47k€23k▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €47k ▲579%
Operating result €71k, net result €47k, both a record.
31-12
Financial
Equity above €100kEq €126k ▲60%
6 profitable years in a row build equity to €126k.
25-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €5k ▼63.6%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
11-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Sint-Pieters-Leeuw · 1 establishment unit since 2008
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.
Ruisbroeksesteenweg 111600 Sint-Pieters-LeeuwGround area
678 m²
Building footprint
97 m²
Volume, LiDAR
710 m³
Parcel 23582E0626/00Z006, Flanders · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Peter Herman
since 20082.175.579.049
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23582E0626/00Z006 | Flanders | 678 m² | 1 · 97 m² | 10.1 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.
Recognitions · licences · registrations
Dual-learning approval
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Of 21,218 companies in sector 81300 we hold annual accounts for 4,363. 3,542 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-12-2008
Fiscal year end31-12
Activities, NACEBEL
81300Landscape service activities
01610Support activities for crop production
43120Site preparation
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.