PETER PANHUYSEN
ActiveSummary
PETER PANHUYSEN has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €113k and a net result of €22k. Equity is growing by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 56% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+9
Solvency88▲+19
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.75 against 3.21 in 2024; short-term debt: 37.2% and cash: 9.4% of total assets), and 37.4% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
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
62.6%
Return on assets
12%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 25-03-2026, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
36 d early
2024
41 d early
2023
1 d early
2022
on the day
2021
1 d early
2020
9 d early
2019
35 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€113k▲ 23.7%
2024 · €91k
2018: €54k
2019: €67k
2020: €85k
2021: €107k
2022: €104k
2023: €93k
2024: €91k
2018 → 2025
Total assets
€180k▼ 13.2%
2024 · €208k
2018: €162k
2019: €170k
2020: €183k
2021: €234k
2022: €239k
2023: €229k
2024: €208k
2018 → 2025
Net result
€22k▲ 105%
2024 · €11k
2018: €26k
2019: €13k
2020: €21k
2021: €22k
2022: €17k
2023: €14k
2024: €11k
2018 → 2025
Working capital
€50k▼ 41.8%
2024 · €87k
2018: €69k
2019: €93k
2020: €121k
2021: €96k
2022: €102k
2023: €81k
2024: €87k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€107k-€104k▼ 2.9%€93k▼ 10.6%€91k▼ 2.1%€113k▲ 23.7%
Operating result€35k-€29k▼ 18.3%€26k▼ 10.3%€20k▼ 22.4%€35k▲ 73.2%
Net result€22k-€17k▼ 24.2%€14k▼ 14.3%€11k▼ 27.0%€22k▲ 105%
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 2025; 2025 is 73% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €180k
Fixed assets
€63k ▼ 23.1%
Current assets
€117k ▼ 6.8%
Equity and liabilities €180k
Equity
€113k ▲ 23.7%
Debt
€67k ▼ 42.1%
Debt's share of the balance-sheet total falls from 56.1% to 37.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€54k▲
2024 · €39k
Cash flow
€40k▲
2024 · €29k
Current ratio
1.75▼
2024 · 3.21
Debt to equity
0.60▼
2024 · 1.28
ROE
19.2%▲
2024 · 11.6%
ROA
12.0%▲
2024 · 5.1%
Interest coverage
12.26▲
2024 · 8.50
Debt ≤ 1 year
€67k▲
2024 · €39k
Income taxes
€9k▲
2024 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€208k€180k▼
Fixed assets21/28€82k€63k▼
Tangible fixed assets22/27€81k€63k▼
Land and buildings22€64k€61k▼
Furniture and vehicles24€18k€2k▼
Financial fixed assets28€250€250=
Current assets29/58€126k€117k▼
Amounts receivable within one year40/41€30k€26k▼
Trade receivables40€24k€25k▲
Other amounts receivable41€6k€919▼
Current investments50/53€25k€75k▲
Cash at bank and in hand54/58€71k€17k▼
Equity and liabilities
Total equity and liabilities10/49€208k€180k▼
Equity10/15€91k€113k▲
Contributions10/11€6k€6k=
Reserves13€83k€105k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€82k€103k▲
Profit (loss) carried forward14€2k€2k▲
Amounts payable17/49€116k€67k▼
Amounts payable after more than one year17€75k-
Financial debts170/4€75k-
Amounts payable within one year42/48€39k€67k▲
Current portion of amounts payable after more than one year42€8k€681▼
Financial debts43€6k€6k▼
Credit institutions430/8€6k€6k▼
Trade debts44€6k€4k▼
Suppliers440/4€6k€4k▼
Taxes, remuneration and social security45€6k€6k▼
Taxes450/3€6k€6k▼
Other amounts payable47/48€13k€51k▲
Accrued charges and deferred income492/3€2k€346▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€19k▲
Other operating charges640/8€3k€4k▲
Gross operating margin9900€42k€57k▲
Operating profit (loss)9901€20k€35k▲
Financial income75/76B€7€513▲
Recurring financial income75€7€513▲
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€16k€31k▲
Income taxes67/77€5k€9k▲
Profit (loss) for the period9904€11k€22k▲
Profit (loss) for the period to be appropriated9905€11k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€23k▲
Profit (loss) brought forward from the previous period14P€1k€2k▲
Transfer from equity791/2€13k-
Transfer to equity691/2€10k€22k▲
To other reserves6921€10k€22k▲
Profit to be distributed694/7€13k-
Return on contributions (dividend)694€13k-
The notes to these accounts (7 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
25-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Equity above €100kEq €113k ▲23.7%
8 profitable years in a row build equity to €113k.
20-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €11k ▼27%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Equity above €100kEq €107k ▲26.1%
4 profitable years in a row build equity to €107k.
21-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
26-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
27-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
05-04
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
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, De Panne · 1 establishment unit since 1999
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.
Astridlaan 128660 De PanneGround area
402 m²
Building footprint
105 m²
Parcel 38008A0848/00_000, Flanders. Linked by address, not a title deed.
1 establishment unit
Peter Panhuysen BV
since 19992.182.925.018
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38008A0848/00_000 | Flanders | 402 m² | 1 · 105 m² | - |
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 · 4 entries · 2,915 EUR awarded · 2,915 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 776 EUR | 776 EUR |
| 2024 | 1 | 687 EUR | 687 EUR |
| 2023 | 1 | 663 EUR | 1,227 EUR |
| 2022 | 1 | 789 EUR | 225 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 6,506 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-03-1999
Fiscal year end30-09
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0475640449