PETER LAVENS
ActivePETER LAVENS has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €767k and a net result of €106k. Equity is growing by ~4.9% per year across the filed fiscal years. Its solvency ranks better than 32% of 2142 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2024
66
/ 100
Healthy▼ -27 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability69▲+9
Solvency64▼-35
Growth78=
Stability100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity short (current ratio 0.93 against 2.56 in 2023), and 56.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 86
Relative position
BE, all sectors
reference
Sector 86
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 2024Solvency, return and age of the figures
Solvency
43.3%
Return on assets
6%
Age of the figures
20 mo
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 08-07-2025, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
23 d early
2023
54 d early
2022
14 d early
2021
37 d early
2020
39 d early
2019
18 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€767k▼ 6.8%
2023 · €823k
2018: €554k
2019: €654k
2020: €741k
2021: €629k
2022: €726k
2023: €823k
2018 → 2024
Total assets
€1.77M▲ 30.2%
2023 · €1.36M
2018: €858k
2019: €1.34M
2020: €1.37M
2021: €1.29M
2022: €1.24M
2023: €1.36M
2018 → 2024
Net result
€106k▲ 8.3%
2023 · €98k
2018: €41k
2019: €102k
2020: €89k
2021: €89k
2022: €99k
2023: €98k
2018 → 2024
Working capital
€-21k
2023 · €196k
2018: €39k
2019: €211k
2020: €180k
2021: €19k
2022: €92k
2023: €196k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€741k-€629k▼ 15.2%€726k▲ 15.5%€823k▲ 13.3%€767k▼ 6.8%
Operating result€140k-€144k▲ 2.9%€153k▲ 6.1%€150k▼ 2.1%€180k▲ 20.4%
Net result€89k-€89k▲ 0.3%€99k▲ 11.5%€98k▼ 1.4%€106k▲ 8.3%
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 recovers in 2024; 2024 is 20% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.77M
Fixed assets
€1.51M▲ 45.5%
Current assets
€259k▼ 19.5%
Equity and liabilities €1.77M
Equity
€767k▼ 6.8%
Provisions
€32k▼ 28.1%
Debt
€974k▲ 96.7%
The debt ratio rises from 36.4% to 54.9%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€371k▲
2023 · €228k
Cash flow
€297k▲
2023 · €176k
Solvency
43.3%▼
2023 · 60.4%
Current ratio
0.93▼
2023 · 2.56
Quick ratio
0.93▼
2023 · 2.56
Debt / equity
1.27▲
2023 · 0.60
ROE
13.8%▲
2023 · 11.9%
ROA
6.0%▼
2023 · 7.2%
Interest coverage
18.65▼
2023 · 33.34
Debt
€974k▲
2023 · €495k
Debt ≤ 1 year
€279k▲
2023 · €126k
Debt > 1 year
€657k▲
2023 · €334k
Income taxes
€68k▲
2023 · €48k
Staff costs
€182k▲
2023 · €181k
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€1.36M€1.77M▲
Fixed assets21/28€1.04M€1.51M▲
Tangible fixed assets22/27€1.04M€1.51M▲
Land and buildings22€912k€1.42M▲
Plant, machinery and equipment23€1k€970▼
Furniture and vehicles24€128k€92k▼
Current assets29/58€322k€259k▼
Amounts receivable within one year40/41€76k€111k▲
Trade receivables40€0-
Other amounts receivable41€76k€111k▲
Current investments50/53€92k€45k▼
Cash at bank and in hand54/58€150k€100k▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€1.36M€1.77M▲
Equity10/15€823k€767k▼
Contributions10/11€179k€19k▼
Reserves13€644k€748k▲
Non-distributable reserves130/1€10k-
Reserves not available under the articles1311€10k-
Tax-exempt reserves132€99k€70k▼
Distributable reserves133€535k€678k▲
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16€44k€32k▼
Deferred taxes168€44k€32k▼
Amounts payable17/49€495k€974k▲
Amounts payable after more than one year17€334k€657k▲
Financial debts170/4€334k€657k▲
Amounts payable within one year42/48€126k€279k▲
Current portion of amounts payable after more than one year42€63k€98k▲
Trade debts44€19k€19k▼
Suppliers440/4€19k€19k▼
Advances received on contracts in progress46-€50k
Taxes, remuneration and social security45€37k€39k▲
Taxes450/3€3k€8k▲
Remuneration and social security454/9€33k€31k▼
Other amounts payable47/48€7k€74k▲
Accrued charges and deferred income492/3€35k€37k▲
Income statement
Code20232024
Non-recurring operating income76A€1k€86k▲
Remuneration, social security and pensions62€181k€182k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€78k€191k▲
Other operating charges640/8€6k€5k▼
Gross operating margin9900€415k€557k▲
Operating profit (loss)9901€150k€180k▲
Financial income75/76B€739€2k▲
Recurring financial income75€739€2k▲
Financial charges65/66B€7k€20k▲
Recurring financial charges65€7k€20k▲
Profit (loss) for the period before taxes9903€144k€162k▲
Transfer from deferred taxes780€3k€12k▲
Income taxes67/77€48k€68k▲
Profit (loss) for the period9904€98k€106k▲
Transfer from tax-exempt reserves789€6k€29k▲
Profit (loss) for the period to be appropriated9905€104k€135k▲
Appropriation of the result
Profit (loss) to be appropriated9906€104k€135k▲
Transfer to equity691/2€102k€133k▲
To other reserves6921€102k€133k▲
Profit to be distributed694/7€2k€2k=
Return on contributions (dividend)694€2k€2k=
Social balance
Average headcount (FTE)90871.91.9=
The notes to these accounts (19 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €106k ▲8.3%
Operating result €180k, net result €106k, both a record.
07-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
11-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
17-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Torhout · 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.
Vredelaan 628820 TorhoutGround area
711 m²
Building footprint
214 m²
Volume, LiDAR
1,143 m³
Parcel 31523H0901/00W000, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Vredelaan 62, 8820 Torhout
since 19932.060.531.309
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31523H0901/00W000 | Flanders | 711 m² | 1 · 214 m² | 9.8 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.
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Of 5,969 companies in sector 86940 we hold annual accounts for 1,796. 731 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-12-1992
Fiscal year end31-12
Activities, NACEBEL
85143
86906Human health activities
86940Nursing and midwifery
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.