PETER PAULISSEN
ActivePETER PAULISSEN has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €89k and a net result of €-27k. Equity is growing by ~7.3% per year across the filed fiscal years. Its solvency ranks better than 51% of 4622 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability7▼-29
Solvency55▼-3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 4.87 against 4.73 in 2024; short-term debt: 7.7% and cash: 1.1% of total assets), but 70.4% 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+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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
29.6%
Return on assets
-9%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-27k
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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
26 d late
2023
29 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
122 d late
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€89k▼ 23.4%
2024 · €116k
2018: €85k
2019: €55k
2020: €54k
2021: €61k
2022: €107k
2023: €116k
2024: €116k
2018 → 2025
Total assets
€300k▼ 13.8%
2024 · €348k
2018: €135k
2019: €126k
2020: €89k
2021: €121k
2022: €407k
2023: €362k
2024: €348k
2018 → 2025
Net result
€-27k▼ 8,598%
2024 · €-312
2018: €15k
2019: €-30k
2020: €-1k
2021: €7k
2022: €47k
2023: €9k
2024: €-312
2018 → 2025
Working capital
€90k▼ 25.3%
2024 · €120k
2018: €82k
2019: €51k
2020: €54k
2021: €61k
2022: €97k
2023: €111k
2024: €120k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€61k-€107k▲ 76.8%€116k▲ 8.2%€116k▼ 0.3%€89k▼ 23.4%
Operating result€8k-€65k▲ 680%€29k▼ 56.2%€12k▼ 59.6%€-16k
Net result€7k-€47k▲ 589%€9k▼ 81.2%€-312€-27k▼ 8,598%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €16k after €12k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €300k
Fixed assets
€187k▼ 4.4%
Current assets
€113k▼ 25.8%
Equity and liabilities €300k
Equity
€89k▼ 23.4%
Debt
€211k▼ 9.0%
The debt ratio rises from 66.7% to 70.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-171▼
2024 · €32k
Cash flow
€-11k▼
2024 · €20k
Solvency
29.6%▼
2024 · 33.3%
Current ratio
4.87▲
2024 · 4.73
Quick ratio
4.73▼
2024 · 4.73
Debt / equity
2.38▲
2024 · 2.00
ROE
-30.5%▼
2024 · -0.3%
ROA
-9.0%▼
2024 · -0.1%
Interest coverage
-0.01▼
2024 · 2.11
Debt
€211k▼
2024 · €232k
Debt ≤ 1 year
€23k▼
2024 · €32k
Debt > 1 year
€188k▼
2024 · €200k
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€348k€300k▼
Fixed assets21/28€196k€187k▼
Tangible fixed assets22/27€196k€187k▼
Land and buildings22-€7k
Plant, machinery and equipment23€27-
Furniture and vehicles24€196k€180k▼
Current assets29/58€152k€113k▼
Stocks and contracts in progress3-€3k
Stocks30/36-€3k
Amounts receivable within one year40/41€152k€106k▼
Trade receivables40€417€8k▲
Other amounts receivable41€152k€98k▼
Cash at bank and in hand54/58-€3k
Equity and liabilities
Total equity and liabilities10/49€348k€300k▼
Equity10/15€116k€89k▼
Contributions10/11€19k€19k=
Reserves13€98k€91k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€73€73=
Distributable reserves133€96k€89k▼
Profit (loss) carried forward14€-320€-20k▼
Amounts payable17/49€232k€211k▼
Amounts payable after more than one year17€200k€188k▼
Financial debts170/4€200k€188k▼
Amounts payable within one year42/48€32k€23k▼
Current portion of amounts payable after more than one year42€21k€12k▼
Financial debts43€2k-
Credit institutions430/8€1k-
Other loans439€974-
Trade debts44-€3k
Suppliers440/4-€3k
Taxes, remuneration and social security45€9k€8k▼
Taxes450/3€9k€8k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€16k▼
Other operating charges640/8€2k€5k▲
Gross operating margin9900€33k€5k▼
Operating profit (loss)9901€12k€-16k▼
Financial income75/76B€3k€3k▲
Recurring financial income75€3k€3k▲
Financial charges65/66B€15k€14k▼
Recurring financial charges65€15k€14k▼
Profit (loss) for the period before taxes9903€-277€-27k▼
Income taxes67/77€35-
Profit (loss) for the period9904€-312€-27k▼
Profit (loss) for the period to be appropriated9905€-312€-27k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-320€-27k▼
Profit (loss) brought forward from the previous period14P€-9€-320▼
Shareholders' contribution to the loss794-€7k
The notes to these accounts (8 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €47k ▲589%
Operating result €65k, net result €47k, both a record.
31-12
Financial
Equity above €100kEq €107k ▲76.8%
2 profitable years in a row build equity to €107k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €7k
Net result €7k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 6.23
Current ratio from 2.28 to 6.23; short-term debt falls from €40k to €10k.
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
31-12
Financial
Weakest financial yearnet €-30k ▼294%
Net result drops to €-30k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 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, Maaseik · 1 establishment unit since 2003
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.
Bosstraat 56 B3680 MaaseikGround area
341 m²
Building footprint
193 m²
Volume, LiDAR
1,653 m³
Parcel 72021E0901/00F000, Flanders · tallest building 14.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
OOSTERSE GENEESKUNST
since 20032.123.662.966
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72021E0901/00F000 | Flanders | 341 m² | 1 · 193 m² | 14.9 m · 4 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
De Waterhoeve
BE 0798.219.235
Lede · Eq €89k
KINE & WELLNESSCENTER ZIKO
BE 0828.754.241
Lievegem · Eq €89k
ANDRIES – DE WEERDT
BE 0440.365.647
Sint-Katelijne-Waver · Eq €88k
LABELLE
BE 0450.118.305
Kruisem · Eq €88k
TELLE QUELLE
BE 0778.723.324
Sambreville · Eq €87k
Of 6,711 companies in sector 96230 we hold annual accounts for 629. 453 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-11-2002
Fiscal year end31-12
Activities, NACEBEL
93040
96040Personal service activities
96230Day spas, saunas and steam baths
Sources
Crossroads Bank for EnterprisesNational Bank · 23 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.