Peter & Rachid
ActiveSummary
The computed 12-month bankruptcy probability of Peter & Rachid is 3.4% (moderate). The 2025 annual accounts show equity of €191k and a net result of €39k. Equity is growing by ~35.1% per year across the filed fiscal years. Its solvency ranks better than 75% of 3674 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▼-17
Solvency81▲+12
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
3.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 1.6 against 1.2 in 2024; short-term debt: 42.8% and cash: 43.2% of total assets), and 44.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
55.5%
Return on assets
11.4%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 25-02-2026, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
25 d late
2024
3 d early
2023
1 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€191k▲ 11.2%
2024 · €171k
2023: €70k
2024: €171k
2023 → 2025
Total assets
€343k▼ 11.1%
2024 · €386k
2023: €347k
2024: €386k
2023 → 2025
Net result
€39k▼ 61.1%
2024 · €101k
2023: €68k
2024: €101k
2023 → 2025
Working capital
€88k▲ 118%
2024 · €40k
2023: €-16k
2024: €40k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€70k-€171k▲ 143%€191k▲ 11.2%
Operating result€86k-€147k▲ 70.6%€61k▼ 58.6%
Net result€68k-€101k▲ 47.7%€39k▼ 61.1%
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 falls in 2025; 2025 is 59% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €343k
Fixed assets
€109k ▼ 27.6%
Current assets
€235k ▼ 0.6%
Equity and liabilities €343k
Equity
€191k ▲ 11.2%
Debt
€153k ▼ 29.0%
Debt's share of the balance-sheet total falls from 55.6% to 44.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€97k▼
2024 · €181k
Cash flow
€75k▼
2024 · €135k
Current ratio
1.60▲
2024 · 1.20
Quick ratio
1.41▲
2024 · 1.07
Debt to equity
0.80▼
2024 · 1.25
ROE
20.6%▼
2024 · 58.9%
ROA
11.4%▼
2024 · 26.1%
Interest coverage
15.01▼
2024 · 27.98
Debt ≤ 1 year
€147k▼
2024 · €196k
Debt > 1 year
€4k▼
2024 · €19k
Income taxes
€15k▼
2024 · €40k
Staff costs
€153k▲
2024 · €129k
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 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€386k€343k▼
Fixed assets21/28€150k€109k▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€150k€106k▼
Land and buildings22€22k€49k▲
Plant, machinery and equipment23€73k€31k▼
Furniture and vehicles24€55k€27k▼
Other tangible fixed assets26-€0
Financial fixed assets28€204€2k▲
Current assets29/58€236k€235k▼
Stocks and contracts in progress3€27k€28k▲
Stocks30/36€27k€28k▲
Amounts receivable within one year40/41€14k€58k▲
Trade receivables40€5k€51k▲
Other amounts receivable41€9k€8k▼
Cash at bank and in hand54/58€196k€148k▼
Deferred charges and accrued income490/1-€190
Equity and liabilities
Total equity and liabilities10/49€386k€343k▼
Equity10/15€171k€191k▲
Contributions10/11€2k€2k=
Reserves13€169k€189k▲
Distributable reserves133€169k€189k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€215k€153k▼
Amounts payable after more than one year17€19k€4k▼
Financial debts170/4€19k€4k▼
Amounts payable within one year42/48€196k€147k▼
Current portion of amounts payable after more than one year42€25k€10k▼
Trade debts44€36k€48k▲
Suppliers440/4€36k€48k▲
Taxes, remuneration and social security45€64k€62k▼
Taxes450/3€59k€47k▼
Remuneration and social security454/9€6k€15k▲
Other amounts payable47/48€71k€27k▼
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Remuneration, social security and pensions62€129k€153k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€36k▲
Other operating charges640/8€793€32k▲
Gross operating margin9900€311k€282k▼
Operating profit (loss)9901€147k€61k▼
Financial income75/76B€16€205▲
Recurring financial income75€16€205▲
Financial charges65/66B€6k€6k▼
Recurring financial charges65€6k€6k▼
Profit (loss) for the period before taxes9903€141k€55k▼
Income taxes67/77€40k€15k▼
Profit (loss) for the period9904€101k€39k▼
Profit (loss) for the period to be appropriated9905€101k€39k▼
Appropriation of the result
Profit (loss) to be appropriated9906€101k€39k▼
Transfer to equity691/2€101k€19k▼
To other reserves6921€101k€19k▼
Profit to be distributed694/7-€20k
Directors or managers695-€20k
Social balance
Average headcount (FTE)9087-3.4
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
25-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 25 days late
2025
30-06
Financial
Weakest financial yearnet €39k ▼61.1%
Net result drops to €39k, the lowest in the series.
28-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2023net €101k ▲47.7%
Operating result €147k, net result €101k, both a record.
30-06
Financial
Equity above €150kEq €171k ▲143%
2 profitable years in a row build equity to €171k.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Zwalm · 1 establishment unit since 2021
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.
Biestmolenstraat(Ned) 189636 ZwalmGround area
1,692 m²
Building footprint
444 m²
Volume, LiDAR
2,611 m³
Parcel 45030A0123/00C000, Flanders · tallest building 15.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Biestmolenstraat(Ned) 18, 9636 Zwalm
since 20212.321.905.925
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45030A0123/00C000 | Flanders | 1,691 m² | 1 · 444 m² | 15.2 m · 1 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).
Recognitions · licences · registrations
Food safety, FASFC
1 siteZwalm2.321.905.925
Similar companies · same sector, comparable size
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Gent · Eq €190,851
HAU WANG
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MISTARA
BE 0696.857.007
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LE BATEAU IVRE
BE 0465.099.558
Chaumont-Gistoux · Eq €190,415
Of 20,493 companies in sector 56111 we hold annual accounts for 11,461. 8,642 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
Founded23-09-2021
Fiscal year end30-06
Abbreviation NL
P & R
Activities, NACEBEL 2025
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.