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PETER PHILIPS

Active
Private limited companyfounded 2023active for 3 yearsSt.-Maartenstraat 8, 3770 Riemst, BelgiumKBO/BCE: BE 0804.065.959
Summary

PETER PHILIPS has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €40,110 and a net result of €17,816. The computed 12-month bankruptcy probability is 0.6% (low).

Overview

Activity
“Kinesitherapie activiteiten” (deed in Dutch)
From the articles, 8 activitiesNo NACE code in the KBO yet1 site
Size
≈ €150,000turnover 2025, estimated
Equity
€40,110
Profit
€17,816
Turnover estimated from the gross margin
Financial health
84 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.6%
Structure
2025 accounts 30 days early
Why 84raises riskFounded in 2023No main activity registeredlowers riskLiquidity: current ratio 2.66, cash €43,699Size: total assets €84,857Show the evidence

Checked score

Score 2025
84 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 74% of its sector peers (no NACE code, micro)
Financial strength · tick = 2024
Strong
Solvency 72+18
equity 47.3% of total assets
Liquidity 94+10
short-term debt 19.4% · cash 51.5%
Profitability 95-2
return on assets 21.0%
Bankruptcy probability, 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%

About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: 2.9% 12-2024: 3.1%▲ +0.2 percentage points vs 11-2024 01-2025: 3.4%▲ +0.3 percentage points vs 12-2024 02-2025: 3.6%▲ +0.2 percentage points vs 01-2025 03-2025: 3.6%● unchanged vs 02-2025 04-2025: 3.5%▼ -0.1 percentage points vs 03-2025 05-2025: 3.5%● unchanged vs 04-2025 06-2025: 3.9%▲ +0.4 percentage points vs 05-2025highest value 07-2025: 0.9%▼ -3.0 percentage points vs 06-2025 08-2025: 1.2%▲ +0.3 percentage points vs 07-2025 09-2025: 1.2%● unchanged vs 08-2025 10-2025: 1.2%● unchanged vs 09-2025 11-2025: 1.2%● unchanged vs 10-2025 12-2025: 1.2%● unchanged vs 11-2025 01-2026: 1.2%● unchanged vs 12-2025 02-2026: 1.2%● unchanged vs 01-2026 03-2026: 1.2%● unchanged vs 02-2026 04-2026: 1.3%▲ +0.1 percentage points vs 03-2026 05-2026: 1.3%● unchanged vs 04-2026 06-2026: 1.3%● unchanged vs 05-2026 07-2026: 1.4%▲ +0.1 percentage points vs 06-2026 08-2026: 0.6%▼ -0.8 percentage points vs 07-2026lowest value 09-2026: 0.6%● unchanged vs 08-2026lowest value 10-2026: 0.6%● unchanged vs 09-2026lowest value
Credit of up to €3,000 on 30-day terms is acceptable
Liquidity ample (current ratio 2.66, compared with 1.45 in 2024, above the usual 1.5; short-term debt: 19.4% and cash: 51.5% of total assets), but 52.7% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro): better than 43% on solvency, 85% on liquidity, 76% on profitability and 91% on growth.

The bankruptcy probability was computed on 30-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Liquidity: current ratio 2.66, cash €43,699
NBB · annual accounts
raises risk · Founded in 2023
Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.
KBO
raises risk · No main activity registered
KBO
lowers risk · Size: total assets €84,857
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
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 01-07-2026, 30 days ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2025
30 days early
2024
31 days early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 2 accounts on average 31 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven months
Where today falls in the filing period
31-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2023.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Annual accounts filedfinancial year 2024 · micro…
  3. IncorporationAppointment: PHILIPS, Peter Jos Paul…

Financials · financial year 2025, micro format

Turnover
≈ €150,000
Estimated: probably between €90,000 and €270,000
Total assets
€84,857▲ 9.3%
2024 · €77,661
Net result
€17,816▲ 3.0%
2024 · €17,294
Working capital
€27,402▲ 239%
2024 · €8,093
Trend over the years

2024 to 2025, 2 financial years

The operating result rises in 2025; 2025 is 4% above 2024.

What the company sold each financial year and what was left of it. A loss stands below the zero line.

Operating result€26,329 2025 Net result€17,816 2025

Use the arrow keys on the chart for the figures per year.

Every figure with its change against the financial year before
favourable unfavourable
Line20242025
Operating result€25,265-€26,329▲ 4.2%
Net result€17,294-€17,816▲ 3.0%
Equity€22,294-€40,110▲ 79.9%
Total assets€77,661-€84,857▲ 9.3%
Debt€55,367-€44,747▼ 19.2%
Working capital€8,093-€27,402▲ 239%
Turnover and EBIT margin not published: the micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €84,857
Fixed assets €40,973 ▼ 20.8%
Current assets €43,884 ▲ 69.2%
Equity and liabilities €84,857
Equity €40,110 ▲ 79.9%
Debt €44,747 ▼ 19.2%
Debt's share of the balance-sheet total falls from 71.3% to 52.7%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€37,079▲
2024 · €27,291
Cash flow
€28,566▲
2024 · €19,320
Current ratio
2.66▲
2024 · 1.45
Debt to equity
1.12▼
2024 · 2.48
ROE
44.4%▼
2024 · 77.6%
ROA
21.0%▼
2024 · 22.3%
Interest coverage
21.83▼
2024 · 44.41
Debt ≤ 1 year
€16,482▼
2024 · €17,844
Debt > 1 year
€28,265▼
2024 · €37,523
Income taxes
€6,815▼
2024 · €7,357
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 39,278 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 95.9% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.8% went bankrupt
2.3% stopped otherwise
95.9% still going

For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 39,278 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet Code20242025
Assets
Total assets20/58€77,661€84,857▲
Fixed assets21/28€51,723€40,973▼
Tangible fixed assets22/27€51,723€40,973▼
Furniture and vehicles24€51,723€40,973▼
Current assets29/58€25,937€43,884▲
Amounts receivable within one year40/41-€185
Other amounts receivable41-€185
Cash at bank and in hand54/58€25,937€43,699▲
Equity and liabilities
Total equity and liabilities10/49€77,661€84,857▲
Equity10/15€22,294€40,110▲
Contributions10/11€5,000€5,000=
Reserves13€17,000€34,000▲
Distributable reserves133€17,000€34,000▲
Profit (loss) carried forward14€294€1,110▲
Amounts payable17/49€55,367€44,747▼
Amounts payable after more than one year17€37,523€28,265▼
Financial debts170/4€37,523€28,265▼
Amounts payable within one year42/48€17,844€16,482▼
Current portion of amounts payable after more than one year42€8,906€9,258▲
Trade debts44€691€1,682▲
Suppliers440/4€691€1,682▲
Taxes, remuneration and social security45€4,857€3,357▼
Taxes450/3€2,357€2,357=
Remuneration and social security454/9€2,500€1,000▼
Other amounts payable47/48€3,391€2,185▼
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,027€10,750▲
Other operating charges640/8€319€62▼
Non-recurring operating charges66A€1,210-
Gross operating margin9900€28,820€37,141▲
Operating profit (loss)9901€25,265€26,329▲
Financial charges65/66B€615€1,698▲
Recurring financial charges65€615€1,698▲
Profit (loss) for the period before taxes9903€24,650€24,631▼
Income taxes67/77€7,357€6,815▼
Profit (loss) for the period9904€17,294€17,816▲
Profit (loss) for the period to be appropriated9905€17,294€17,816▲
Appropriation of the result
Profit (loss) to be appropriated9906€17,294€18,110▲
Profit (loss) brought forward from the previous period14P-€294
Transfer to equity691/2€17,000€17,000=
To other reserves6921€17,000€17,000=

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,027€10,750▲ 430%
Other operating charges640/8€319€62▼ 80.6%
Non-recurring operating charges66A€1,210--
Gross operating margin9900€28,820€37,141▲ 28.9%
Operating profit (loss)9901€25,265€26,329▲ 4.2%
Financial charges65/66B€615€1,698▲ 176%
Recurring financial charges65€615€1,698▲ 176%
Profit (loss) for the period before taxes9903€24,650€24,631▼ 0.1%
Income taxes67/77€7,357€6,815▼ 7.4%
Profit (loss) for the period9904€17,294€17,816▲ 3.0%
Profit (loss) for the period to be appropriated9905€17,294€17,816▲ 3.0%
Line20242025Change
Assets
Total assets20/58€77,661€84,857▲ 9.3%
Fixed assets21/28€51,723€40,973▼ 20.8%
Tangible fixed assets22/27€51,723€40,973▼ 20.8%
Furniture and vehicles24€51,723€40,973▼ 20.8%
Current assets29/58€25,937€43,884▲ 69.2%
Amounts receivable within one year40/41-€185-
Other amounts receivable41-€185-
Cash at bank and in hand54/58€25,937€43,699▲ 68.5%
Equity and liabilities
Total equity and liabilities10/49€77,661€84,857▲ 9.3%
Equity10/15€22,294€40,110▲ 79.9%
Contributions10/11€5,000€5,000=
Reserves13€17,000€34,000▲ 100%
Distributable reserves133€17,000€34,000▲ 100%
Profit (loss) carried forward14€294€1,110▲ 278%
Amounts payable17/49€55,367€44,747▼ 19.2%
Amounts payable after more than one year17€37,523€28,265▼ 24.7%
Financial debts170/4€37,523€28,265▼ 24.7%
Amounts payable within one year42/48€17,844€16,482▼ 7.6%
Current portion of amounts payable after more than one year42€8,906€9,258▲ 4.0%
Trade debts44€691€1,682▲ 144%
Suppliers440/4€691€1,682▲ 144%
Taxes, remuneration and social security45€4,857€3,357▼ 30.9%
Taxes450/3€2,357€2,357=
Remuneration and social security454/9€2,500€1,000▼ 60.0%
Other amounts payable47/48€3,391€2,185▼ 35.6%
Line20242025Change
Profit (loss) for the period9904€17,294€17,816▲ 3.0%
+ Depreciation and write-downs630€2,027€10,750▲ 430%
Operating cash flow (approximation)€19,320€28,566▲ 47.9%
Investment in fixed assets (approximation)-€0-
Change in cash-€17,761-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Filings with the National Bank (2)
Financial year Type Filed Reference
31-12-2025 micro format 01-07-2026 2026-00234463
31-12-2024 micro format 30-06-2025 2025-00197016

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.

Directors

Directors
1 director, no change since 2023
PHILIPS, Peter Jos Paul
Director · since 20-07-2023
Current
Derived from published Gazette deeds. The KBO keeps the official list of office holders; we do not read it, so the two can differ. See the directors and other office holders in the KBO →

Mandate history

1 person since 2023, 1 in office
Show
  • Board
Mandates per person, with start and end dates
Name Functions and periods
PHILIPS, Peter Jos Paul
  • Director, from 20-07-2023 to date
See the board, name and registered office on a given date →

Owners and capital

Capital and shareholders

Shareholders according to the deeds
At incorporation act of 20-07-2023 ↗

The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.

Capital over the years
  1. 20-07-2023 Incorporation · €5,000 · 100 shares

Group and network

Connections & network

1 current director
Depth

The network starts from this company’s directors. Other companies they run appear here as nodes.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.

History

On 18 July 2023, PETER PHILIPS was incorporated as a private limited company by one natural person, with a starting capital of €5,000.12 PHILIPS, Peter Jos Paul has served as director of the company since 2023.2 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3

  1. 1KBO register
  2. 2Belgian Official Gazette, 20-07-2023
  3. 3National Bank, annual accounts 2025

Acts, filings and financial milestones

Next filing, financial year 2026, expected by 31-07-2027
2026
01-07
NBB filing Annual accounts filed
financial year 2025 · micro format
2025
30-06
NBB filing Annual accounts filed
financial year 2024 · micro format
2023
20-07
Gazette deed Incorporation
Appointment: PHILIPS, Peter Jos Paul (director) · Founder · Founding capital12 facts ▸
  • Founder, PHILIPS, Peter Jos Paul (comparant)
  • Other provision, “bevoegdheid,bekwaamheid en identiteitscontrole comparant, rijksregister” (deed in Dutch)
  • Incorporation, 17-07-2023
  • Founding capital, €5,000
  • Bank account, 5000, EUR
  • Other provision, “financieel plan en oprichtersaansprakelijkheid, aanvangsvermogen kennelijk ontoereikend voor voorgenomen activiteit” (deed in Dutch)
  • Other provision, “Wetboek van vennootschappen en verenigingen, bevestiging deponering inbrengen in geld” (deed in Dutch)
  • Other provision, “eenparig, slot-en overgangsbepalingen” (deed in Dutch)
  • Registered office clause, “3770 Riemst (Genoelselderen), Sint-Maartenstraat 8” (deed in Dutch)
  • Board rule, 1
  • Director appointment, PHILIPS, Peter Jos Paul (director)
  • Pre-incorporation commitments, “takeover, alle verbintenissen,verplichtingen en activiteiten in naam en voor rekening van vennootschap in oprichting” (deed in Dutch)
Gazette deedNBB filing
1 of 1 deed read

Register details

Identification
Legal formPrivate limited company
Founded18-07-2023
Financial year end31-12
Contact
E-mail peter.philips@hotmail.com
E-invoicing
Reachable via Peppol
Peppol ID 0208:0804065959
Registered 29-07-2024

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 31 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.

Sites & property

Location & real-estate footprint
Registered office, Riemst · 1 establishment unit since 2023
registered office establishment The establishment unit on the map
Ground area
444 m²
Building footprint
115 m²
Building volume
892 m³
Parcel 73015A0484/00H000, Flanders · tallest building 10.7 m. Linked by address, not a title deed.
1 establishment unit
PETER PHILIPS
St.-Maartenstraat 8, 3770 RiemstSports and recreation education
since 2023unit no. 2.347.642.993
1 parcel
Flanders 1 (100%)
Cadastral parcel Region Area Buildings Height / floors
73015A0484/00H000 Flanders 444 m² 1 · 115 m² 10.7 m · 3
How the parcels are linked
Good to know
The parcel matches the address exactly.

Articles of association

What the company does

PurposeThe activities the company may carry out under its articles.
“Kinesitherapie activiteiten; Diensten in verband met het lichamelijk welzijn,zoals verleend in inrichtingen voor…” (deed in Dutch)
8 activities (deed in Dutch)
  1. Kinesitherapie activiteiten
  2. Diensten in verband met het lichamelijk welzijn,zoals verleend in inrichtingen voor thalassotherapie,kuuroorden,Turkse baden,sauna's,stoombaden,massagesalons,enz.
  3. Sport- en recreatieonderwijs
  4. Overige menselijke gezondheidszorg,n.e.g.
  5. Sportmassage voor dieren: diensten ivm de verzorging van huisdieren
  6. Osteopathie
  7. Osteopathie voor paarden
  8. Wassen en toiletteren van huisdieren

The full purpose is in the deed

DurationHow long the company exists; usually unlimited, so until it is dissolved.
Unlimited
Name clauseThe name the company operates under according to its articles.
PETER PHILIPS
Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
“Vlaamse Gewest, bestuursorgaan kan bij enkel besluit administratieve zetels,agentschappen,werkhuizen,stapelplaatsen en bijkantoren vestigen…” (deed in Dutch)

deed of 20-07-2023

Who represents it, and how

Who signsWho may bind the company towards others, for example by signing a contract.
Each director alone
Board ruleHow the board is made up, meets and takes decisions.
“Met of zonder beperking van duur, bestuursorgaan” (deed in Dutch)

deed of 20-07-2023

Capital, shares and profit

Kind of sharesWhich classes of shares exist and what rights each class carries.
“Ieder aandeel geeft gelijk recht in winstverdeling en vereffeningsaldo, 100” (deed in Dutch)
“Op naam, register van aandelen op naam met vermeldingen voorgeschreven door Wetboek van vennootschappen en verenigingen” (deed in Dutch)
Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
“Voor helft ten laste overdrager en helft ten laste koper(s) naar evenredigheid verworven aantal bij meerdere kopers, elke overdracht onder…” (deed in Dutch)
Share issue ruleHow and by whom new shares can be issued.
“Inbreng in geld met uitgifte nieuwe aandelen, per e-mail,voor personen zonder e-mail per gewone post op zelfde dag als e-mail” (deed in Dutch)

deed of 20-07-2023

Meetings and financial year

Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
Last Friday of June at 18:00

deed of 20-07-2023

Oversight and winding up

Statutory auditorA statutory auditor is a registered auditor who checks the accounts; small companies need not have one. According to the deed, the legal criteria do not require one here.
No statutory auditor
Dissolution ruleWhen and by whom the company can be dissolved.
“Vormen vereist voor statutenwijziging, algemene vergadering” (deed in Dutch)
Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
“Indien geen andere vereffenaar benoemd, aanduiden vereffenaars,bevoegdheden omlijnen,vergoeding bepalen” (deed in Dutch)

deed of 20-07-2023

Other provisionsOther rules from the articles that fall under none of the themes above.

Other provision: “Aandelen moeten bij uitgifte worden volgestort, stortingsplicht” (deed in Dutch)
Other provision: “Ondeelbaarheid van de effecten, andersluidende bijzondere bepaling in statuten, testament of overeenkomst” (deed in Dutch)
Other provision: “Bestuursbevoegdheid, behalve deze die wet of statuten aan algemene vergadering voorbehouden” (deed in Dutch)
Other provision: “Vergoeding van de bestuurders, al dan niet ten kosteloze titel” (deed in Dutch)
Other provision: “Dagelijks bestuur, vertegenwoordiging wat dat bestuur aangaat” (deed in Dutch)
Other provision: “Alle besluiten bevoegdheid algemene vergadering, schriftelijke algemene vergadering” (deed in Dutch)
Other provision: “Toegang algemene vergadering, houder effecten op naam ingeschreven in register categorie effecten” (deed in Dutch)
Other provision: “Zittingen processen-verbaal, aanwezige aandeelhouder meeste aandelen bij pariteit oudste” (deed in Dutch)
Other provision: “Beraadslagingen algemene vergadering, schriftelijk aan ieder ander persoon al dan niet aandeelhouder door alle middelen van overdracht” (deed in Dutch)
Other provision: “Verdaging algemene vergadering, bestuursorgaan tijdens zitting” (deed in Dutch)
Other provision: “Bestemming nettowinst, algemene vergadering” (deed in Dutch)
Other provision: “Laatste goedgekeurde jaarrekening of recentere staat van activa en passiva, uitkeringen aan aandeelhouders en tantièmes” (deed in Dutch)
Liquidation distribution: “Netto actief onder alle aandeelhouders naar verhouding aantal aandelen, aanzuivering schulden,lasten,kosten of consignatie” (deed in Dutch)
Other provision: “Mededelingen,aanmaningen,dagvaardingen,betekeningen, woonstkeuze” (deed in Dutch)
Other provision: “Gemeen recht, Wetboek van vennootschappen en verenigingen waarvan niet geldig afgeweken geacht ingeschreven” (deed in Dutch)
3 more provisions in the deed, see the deed of 20-07-2023

deed of 20-07-2023