PETER SMOLDERS
ActiveThe computed 12-month bankruptcy probability of PETER SMOLDERS is 1.6% (moderate). The 2025 annual accounts show equity of €21k and a net result of €18k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 29% of 4547 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▼-11
Solvency43▲+13
Growth78=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.95 against 0.82 in 2024; short-term debt: 23.3% and cash: 0% of total assets), and 82% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← 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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-12-2025, 60 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
60 d early
2024
28 d early
2023
2 d early
2022
on the day
2021
1 d late
2020
3 d early
2019
24 d early
← before the deadline
after the deadline →
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 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€21k▲ 751%
2024 · €2k
2019: €-50k
2020: €-24k
2021: €-4k
2022: €-16k
2023: €-22k
2024: €2k
2019 → 2025
Total assets
€116k▲ 126%
2024 · €51k
2019: €43k
2020: €54k
2021: €67k
2022: €23k
2023: €17k
2024: €51k
2019 → 2025
Net result
€18k▼ 24.5%
2024 · €24k
2019: €8k
2020: €26k
2021: €21k
2022: €-13k
2023: €-6k
2024: €24k
2019 → 2025
Working capital
€-1k▲ 80.8%
2024 · €-6k
2019: €-73k
2020: €-33k
2021: €-10k
2022: €-18k
2023: €-26k
2024: €-6k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-4k-€-16k▼ 346%€-22k▼ 34.6%€2k€21k▲ 751%
Operating result€24k-€-11k€-4k▲ 64.3%€28k€30k▲ 4.6%
Net result€21k-€-13k€-6k▲ 55.4%€24k€18k▼ 24.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 5% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €116k
Fixed assets
€90k▲ 309%
Current assets
€26k▼ 12.0%
Equity and liabilities €116k
Equity
€21k▲ 751%
Debt
€95k▲ 94.6%
The debt ratio falls from 95.2% to 82.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€57k▲
2024 · €32k
Cash flow
€46k▲
2024 · €28k
Solvency
18.0%▲
2024 · 4.8%
Current ratio
0.95▲
2024 · 0.82
Quick ratio
0.95▲
2024 · 0.82
Debt / equity
4.56▼
2024 · 19.93
ROE
88.2%▼
2024 · 994.2%
ROA
15.9%▼
2024 · 47.5%
Interest coverage
10.06▼
2024 · 12.37
Debt
€95k▲
2024 · €49k
Debt ≤ 1 year
€27k▼
2024 · €36k
Debt > 1 year
€68k▲
2024 · €13k
Income taxes
€6k▲
2024 · €2k
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€51k€116k▲
Fixed assets21/28€22k€90k▲
Tangible fixed assets22/27€22k€90k▲
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€17k€86k▲
Current assets29/58€29k€26k▼
Amounts receivable within one year40/41€24k€26k▲
Trade receivables40€24k€26k▲
Cash at bank and in hand54/58€5k€1▼
Deferred charges and accrued income490/1€550€42▼
Equity and liabilities
Total equity and liabilities10/49€51k€116k▲
Equity10/15€2k€21k▲
Contributions10/11€20k€20k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-20k€-1k▲
Amounts payable17/49€49k€95k▲
Amounts payable after more than one year17€13k€68k▲
Financial debts170/4€13k€68k▲
Amounts payable within one year42/48€36k€27k▼
Current portion of amounts payable after more than one year42€4k€4k▲
Financial debts43-€3k
Credit institutions430/8-€3k
Trade debts44€8k€89▼
Suppliers440/4€8k€89▼
Taxes, remuneration and social security45€6k€8k▲
Taxes450/3€6k€8k▲
Other amounts payable47/48€18k€11k▼
Income statement
Code20242025
Non-recurring operating income76A-€27k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€27k▲
Other operating charges640/8€332€2k▲
Gross operating margin9900€32k€59k▲
Operating profit (loss)9901€28k€30k▲
Financial income75/76B€8€8▼
Recurring financial income75€8€8▼
Financial charges65/66B€3k€6k▲
Recurring financial charges65€3k€6k▲
Profit (loss) for the period before taxes9903€26k€24k▼
Income taxes67/77€2k€6k▲
Profit (loss) for the period9904€24k€18k▼
Profit (loss) for the period to be appropriated9905€24k€18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-20k€-1k▲
Profit (loss) brought forward from the previous period14P€-44k€-20k▲
The notes to these accounts (10 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
2025
02-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
03-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Back to profitnet €24k
Net result €24k after 2 loss-making years.
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Weakest financial yearnet €-13k ▼161%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
01-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
2021
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Highest result since 2019net €26k ▲228%
Net result €26k, the highest in the series.
07-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
14-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
05-12
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
5 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, Dilsen-Stokkem · 2 establishment units since 2011
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.
Struipstraat 253650 Dilsen-StokkemGround area
1,812 m²
Building footprint
626 m²
Volume, LiDAR
472 m³
2 parcels, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
TRANSPORT SMOLDERS - GROUWELS
since 20112.205.466.036
Ondernemerspark 64, 3650 Dilsen-Stokkem
since 20262.389.923.711
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72005B1401/00K000indicative | Flanders | 1,415 m² | 1 · 558 m² | 0.2 m |
| 73081A0689/00V000 | Flanders | 397 m² | 1 · 68 m² | 9.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels 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
2025 · 1 entry · 148 EUR awarded · 148 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 148 EUR | 148 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,607 companies in sector 49410 we hold annual accounts for 8,196. 5,027 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-12-2011
Fiscal year end30-06
Activities, NACEBEL
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.