Peter MÜLLER
ActivePeter MÜLLER has been active since 1974 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.16M and a net result of €-272k. Equity is growing by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 20% of 267 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency45▼-13
Growth52=
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 2.82 against 1.95 in 2024), but 81.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Ten signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 16
Relative position
BE, all sectors
reference
Sector 16
higher
← 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
18.2%
Return on assets
-4.3%
Age of the figures
8 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€272k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 267 sector peers (2025).
NBB · sector comparisonPosition among 267 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
3 d early
2023
30 d early
2022
95 d early
2021
44 d early
2020
9 d early
2019
on the day
← 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
10-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-272k▲ 30.9%
2024 · €-394k
2018: €349k
2019: €241k
2020: €350k
2021: €403k
2022: €392k
2023: €473k
2024: €-394k
2018 → 2025
Working capital
€958k▲ 26.9%
2024 · €755k
2018: €1.46M
2019: €1.28M
2020: €1.17M
2021: €1.04M
2022: €1.22M
2023: €1.45M
2024: €755k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€964k-€1.36M▲ 40.6%€1.83M▲ 34.9%€1.43M▼ 21.6%€1.16M▼ 19.0%
Operating result€434k-€523k▲ 20.6%€669k▲ 27.9%€-320k€-103k▲ 67.9%
Net result€403k-€392k▼ 2.8%€473k▲ 20.7%€-394k€-272k▲ 30.9%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €103k in 2025 against €320k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.08M
Fixed assets
€4.59M▲ 17.9%
Current assets
€1.48M▼ 4.3%
Equity and liabilities €6.40M
Equity
€1.16M▼ 19.0%
Debt
€5.24M▲ 20.7%
The debt ratio rises from 75.2% to 81.8%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€416k▲
2024 · €18k
Cash flow
€247k▲
2024 · €-56k
Solvency
18.2%▼
2024 · 24.8%
Current ratio
2.82▲
2024 · 1.95
Quick ratio
0.94▲
2024 · 0.78
Debt / equity
4.51▲
2024 · 3.03
ROE
-23.4%▲
2024 · -27.5%
ROA
-4.3%▲
2024 · -6.8%
Interest coverage
1.93▲
2024 · 0.13
Debt
€5.24M▲
2024 · €4.34M
Debt ≤ 1 year
€526k▼
2024 · €797k
Debt > 1 year
€4.68M▲
2024 · €3.53M
Income taxes
€515▲
2024 · €511
Staff costs
€981k▲
2024 · €977k
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€5.77M€6.40M▲
Formation expenses20€325k€321k▼
Fixed assets21/28€3.90M€4.59M▲
Intangible fixed assets21€6k€740▼
Tangible fixed assets22/27€3.89M€4.59M▲
Land and buildings22€3.39M€4.06M▲
Plant, machinery and equipment23€362k€423k▲
Furniture and vehicles24€97k€84k▼
Leasing and similar rights25€41k€27k▼
Financial fixed assets28€1k€1k=
Current assets29/58€1.55M€1.48M▼
Stocks and contracts in progress3€931k€987k▲
Stocks30/36€889k€944k▲
Contracts in progress37€42k€43k▲
Amounts receivable within one year40/41€499k€401k▼
Trade receivables40€485k€401k▼
Other amounts receivable41€14k-
Cash at bank and in hand54/58€106k€82k▼
Deferred charges and accrued income490/1€15k€14k▼
Equity and liabilities
Total equity and liabilities10/49€5.77M€6.40M▲
Equity10/15€1.43M€1.16M▼
Contributions10/11€201k€201k=
Reserves13€710k€710k=
Distributable reserves133€710k€710k=
Profit (loss) carried forward14€523k€251k▼
Amounts payable17/49€4.34M€5.24M▲
Amounts payable after more than one year17€3.53M€4.68M▲
Financial debts170/4€2.93M€4.08M▲
Other amounts payable178/9€600k€600k=
Amounts payable within one year42/48€797k€526k▼
Current portion of amounts payable after more than one year42€280k€255k▼
Financial debts43€35k-
Credit institutions430/8€35k-
Trade debts44€402k€176k▼
Suppliers440/4€402k€176k▼
Taxes, remuneration and social security45€79k€95k▲
Taxes450/3-€18k
Remuneration and social security454/9€79k€77k▼
Accrued charges and deferred income492/3€11k€33k▲
Income statement
Code20242025
Non-recurring operating income76A€103k-
Remuneration, social security and pensions62€977k€981k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€338k€519k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8-€22k
Other operating charges640/8€28k€19k▼
Non-recurring operating charges66A€91k€688▼
Gross operating margin9900€1.11M€1.44M▲
Operating profit (loss)9901€-320k€-103k▲
Financial income75/76B€70k€46k▼
Recurring financial income75€70k€46k▼
Financial charges65/66B€143k€215k▲
Recurring financial charges65€143k€215k▲
Profit (loss) for the period before taxes9903€-394k€-272k▲
Income taxes67/77€511€515▲
Profit (loss) for the period9904€-394k€-272k▲
Profit (loss) for the period to be appropriated9905€-394k€-272k▲
Appropriation of the result
Profit (loss) to be appropriated9906€523k€251k▼
Profit (loss) brought forward from the previous period14P€917k€523k▼
Social balance
Average headcount (FTE)908722.319.7▼
The notes to these accounts (22 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €-394k ▼183%
Net result drops to €-394k, the lowest in the series; recovery starts the following year.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Highest result since 2018net €473k ▲20.7%
Operating result €669k, net result €473k, both a record.
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Equity above €1MEq €1.36M ▲40.6%
5 profitable years in a row build equity to €1.36M.
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
11-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
27-04
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Amel · 2 establishment units since 1975
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.
Möderscheid,Zur Morsheck 494770 AmelGround area
6,357 m²
Building footprint
670 m²
Parcel 63080M0002/00E012, Wallonia. Linked by address, not a title deed.
2 establishment units
Möderscheid,Zur Morsheck 49, 4770 Amel
since 19752.038.501.223
PETER MULLER SPRL - WAIMES
since 20222.351.190.819
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63080M0002/00E012 | Wallonia | 6,357 m² | 1 · 670 m² | - |
Linked by address, not proof of ownership
Methodology
via establishment units: 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 1,593 companies in sector 16230 we hold annual accounts for 777. 404 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-1974
Fiscal year end31-12
Activities, NACEBEL
16230Manufacture of other builders' carpentry and joinery
20300
16110Sawmilling and planing of wood
20102
43230Insulation installation
43291Specialised construction activities
43320Joinery installation
45421
45422
Sources
Crossroads Bank for EnterprisesNational Bank · 44 filingsAddress and cadastre registers
Data from official sources, last processed on 09-09-2026. Scores and ratios are computed by Checked and are not a credit decision.