Peter Lauwers
ActivePeter Lauwers has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €552k and a net result of €23k. Equity is growing by ~10.7% per year across the filed fiscal years. Its solvency ranks better than 80% of 3111 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+9
Solvency96▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 3.25 against 3.31 in 2024; short-term debt: 28.6% and cash: 39.7% of total assets), and 29.4% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 01
Relative position
BE, all sectors
reference
Sector 01
lower
← 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
70.6%
Return on assets
2.9%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
1 d early
2022
3 d early
2021
2 d early
2020
9 d late
2019
23 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close20-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€552k▲ 4.4%
2024 · €529k
2019: €311k
2020: €363k
2021: €350k
2022: €387k
2023: €528k
2024: €529k
2019 → 2025
Total assets
€783k▲ 4.1%
2024 · €751k
2019: €831k
2020: €688k
2021: €550k
2022: €671k
2023: €973k
2024: €751k
2019 → 2025
Net result
€23k▲ 1,453%
2024 · €1k
2019: €43k
2020: €52k
2021: €-13k
2022: €37k
2023: €141k
2024: €1k
2019 → 2025
Working capital
€503k▲ 6.4%
2024 · €472k
2019: €343k
2020: €419k
2021: €396k
2022: €413k
2023: €612k
2024: €472k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€350k-€387k▲ 10.7%€528k▲ 36.3%€529k▲ 0.3%€552k▲ 4.4%
Operating result€-11k-€53k€153k▲ 189%€-4k€29k
Net result€-13k-€37k€141k▲ 275%€1k▼ 98.9%€23k▲ 1,453%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €29k after a loss of €4k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €783k
Fixed assets
€56k▼ 24.4%
Current assets
€726k▲ 7.3%
Equity and liabilities €783k
Equity
€552k▲ 4.4%
Debt
€230k▲ 3.6%
The debt ratio falls from 29.6% to 29.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€47k▲
2024 · €13k
Cash flow
€41k▲
2024 · €19k
Solvency
70.6%▲
2024 · 70.4%
Current ratio
3.25▼
2024 · 3.31
Quick ratio
2.98▲
2024 · 2.76
Debt / equity
0.42▼
2024 · 0.42
ROE
4.2%▲
2024 · 0.3%
ROA
2.9%▲
2024 · 0.2%
Interest coverage
22.35▲
2024 · 5.23
Debt
€230k▲
2024 · €222k
Debt ≤ 1 year
€224k▲
2024 · €204k
Debt > 1 year
€7k▼
2024 · €18k
Income taxes
€8k▲
2024 · €2k
Staff costs
€69k▲
2024 · €34k
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€751k€783k▲
Fixed assets21/28€75k€56k▼
Tangible fixed assets22/27€74k€56k▼
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€63k€47k▼
Other tangible fixed assets26€5k€5k▼
Financial fixed assets28€450€450=
Current assets29/58€677k€726k▲
Stocks and contracts in progress3€113k€61k▼
Stocks30/36€113k€61k▼
Amounts receivable within one year40/41€16k€49k▲
Trade receivables40€5k€34k▲
Other amounts receivable41€11k€15k▲
Current investments50/53€301k€305k▲
Cash at bank and in hand54/58€247k€311k▲
Equity and liabilities
Total equity and liabilities10/49€751k€783k▲
Equity10/15€529k€552k▲
Contributions10/11€25k€25k=
Reserves13€505k€528k▲
Distributable reserves133€505k€528k▲
Amounts payable17/49€222k€230k▲
Amounts payable after more than one year17€18k€7k▼
Financial debts170/4€18k€7k▼
Amounts payable within one year42/48€204k€224k▲
Current portion of amounts payable after more than one year42€27k€11k▼
Trade debts44€101k€69k▼
Suppliers440/4€101k€69k▼
Advances received on contracts in progress46-€8k
Taxes, remuneration and social security45€7k€10k▲
Taxes450/3€2k€8k▲
Remuneration and social security454/9€5k€2k▼
Other amounts payable47/48€70k€126k▲
Income statement
Code20242025
Remuneration, social security and pensions62€34k€69k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€18k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€29k€0▼
Other operating charges640/8€4k€5k▲
Gross operating margin9900€80k€121k▲
Operating profit (loss)9901€-4k€29k▲
Financial income75/76B€10k€5k▼
Recurring financial income75€10k€5k▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€3k€31k▲
Income taxes67/77€2k€8k▲
Profit (loss) for the period9904€1k€23k▲
Profit (loss) for the period to be appropriated9905€1k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1k€23k▲
Transfer to equity691/2€1k€23k▲
To other reserves6921€1k€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
Next filing, fiscal year 2026, expected by
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Highest result since 2019net €141k ▲275%
Operating result €153k, net result €141k, both a record.
31-03
Financial
Equity above €500kEq €528k ▲36.3%
2 profitable years in a row build equity to €528k.
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
31-03
Financial
Back to profitnet €37k
Net result €37k after one loss-making year.
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
31-03
Financial
Weakest financial yearnet €-13k ▼126%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
2020
09-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 9 days late
2019
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
24-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
22-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
28-10
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.
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, Antwerpen · 1 establishment unit since 1993
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.
Lucien Hendrickxlei 522150 AntwerpenGround area
2,652 m²
Building footprint
2,093 m²
Volume, LiDAR
12,566 m³
Parcel 11007A0153/00E005, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HORSES PETER LAUWERS
since 19932.064.116.844
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11007A0153/00E005 | Flanders | 2,652 m² | 1 · 2,093 m² | 10.2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 2 entries · 1,500 EUR awarded · 1,500 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,000 EUR | 1,000 EUR |
| 2022 | 1 | 500 EUR | 500 EUR |
Schemes
Premie kwalificerend werkplekleren
Stagebonus (stopgezet)
Recognitions · licences · registrations
Dual-learning approval
5 live approvals · 2 endedHippisch assistent duaal (so)
Hippisch assistent duaal (so)
Paardenhouder duaal (so)
Paardenhouderij duaal (so)
Paardenhouderij duaal (so)
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BE 0838.033.280
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MOHA STABLES
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SR-FINANCE
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Sint-Truiden · Eq €561k
Of 1,957 companies in sector 01430 we hold annual accounts for 743. 449 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-07-1993
Fiscal year end31-03
Activities, NACEBEL
01430Raising of horses and other equines
46231Wholesale of live animals
51230
46232Wholesale trade
47762Retail sale of pets, pet food and pet supplies
85599Other education
96994Pet training
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.