PETER STEVENS
ActiveSummary
PETER STEVENS has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €154k and a net result of €16k. Equity is growing by ~17.6% per year across the filed fiscal years. Its solvency ranks better than 58% of 12738 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability71▲+11
Solvency89▲+15
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 5.03 against 2.64 in 2024; short-term debt: 19.9% and cash: 11.5% of total assets), and 35.8% of the assets are financed with debt.
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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
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← 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
64.2%
Return on assets
6.7%
Age of the figures
15 mo
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 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
on the day
2022
1 d early
2021
1 d late
2020
17 d late
2019
on the day
← 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 close25-09-2026 today31-01-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Roughly what is this company worth?Value indication
Financials · fiscal year 2025, micro schema
Equity
€154k▲ 11.7%
2024 · €138k
Total assets
€240k▼ 15.3%
2024 · €283k
Net result
€16k▼ 22.1%
2024 · €21k
Working capital
€192k▲ 9.1%
2024 · €176k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€-9k▲ 81.4%€49k€50k▲ 2.0%€41k▼ 18.5%€27k▼ 32.5%
Net result€-7k▲ 85.6%€50k€34k▼ 32.9%€21k▼ 38.8%€16k▼ 22.1%
Equity€52k▼ 11.9%€84k▲ 62.4%€117k▲ 38.7%€138k▲ 17.6%€154k▲ 11.7%
Total assets€89k▲ 29.9%€201k▲ 126%€237k▲ 18.0%€283k▲ 19.5%€240k▼ 15.3%
Debt€37k▲ 295%€116k▲ 217%€120k▲ 2.9%€145k▲ 21.4%€86k▼ 41.0%
Working capital€45k▼ 19.0%€111k▲ 149%€165k▲ 48.6%€176k▲ 6.6%€192k▲ 9.1%
Staff (FTE)1=
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 33% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €240k
Equity
€154k ▲ 11.7%
Debt
€86k ▼ 41.0%
Debt's share of the balance-sheet total falls from 51.3% to 35.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€27k▼
2024 · €41k
Cash flow
€16k▼
2024 · €21k
Current ratio
5.03▲
2024 · 2.64
Debt to equity
0.56▼
2024 · 1.05
ROE
10.4%▼
2024 · 15.0%
ROA
6.7%▼
2024 · 7.3%
Interest coverage
5.28▲
2024 · 3.85
Debt ≤ 1 year
€48k▼
2024 · €107k
Income taxes
€8k▼
2024 · €10k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €77 | €-409 | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k | €2k | €119 | €63 | €0 | ▼ 100% |
| Other operating charges640/8 | - | €642 | €1k | €755 | €930 | ▲ 23.2% |
| Gross operating margin9900 | €-4k | €52k | €51k | €42k | €28k | ▼ 31.6% |
| Operating profit (loss)9901 | €-9k | €49k | €50k | €41k | €27k | ▼ 32.5% |
| Financial income75/76B | - | €1k | €3 | €0 | €1k | - |
| Recurring financial income75 | €3k | €1k | €3 | €0 | €1k | - |
| Financial charges65/66B | - | €34 | €3k | €11k | €5k | ▼ 50.8% |
| Recurring financial charges65 | €86 | €34 | €3k | €11k | €5k | ▼ 50.8% |
| Profit (loss) for the period before taxes9903 | €-7k | €50k | €47k | €30k | €24k | ▼ 21.7% |
| Income taxes67/77 | €0 | €118 | €14k | €10k | €8k | ▼ 20.9% |
| Profit (loss) for the period9904 | €-7k | €50k | €34k | €21k | €16k | ▼ 22.1% |
| Profit (loss) for the period to be appropriated9905 | €-7k | €50k | €34k | €21k | €16k | ▼ 22.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €89k | €201k | €237k | €283k | €240k | ▼ 15.3% |
| Fixed assets21/28 | €7k | €5k | €63 | €0 | - | - |
| Tangible fixed assets22/27 | €7k | €5k | €63 | €0 | - | - |
| Furniture and vehicles24 | - | €5k | €63 | €0 | - | - |
| Current assets29/58 | €81k | €195k | €237k | €283k | €240k | ▼ 15.3% |
| Stocks and contracts in progress3 | - | - | €44k | €45k | €0 | ▼ 100% |
| Stocks30/36 | - | - | €44k | €45k | €0 | ▼ 100% |
| Amounts receivable within one year40/41 | €72k | €134k | €168k | €221k | €212k | ▼ 4.0% |
| Trade receivables40 | - | €120k | €119k | €162k | €155k | ▼ 4.5% |
| Other amounts receivable41 | - | €15k | €50k | €59k | €57k | ▼ 2.8% |
| Current investments50/53 | €8k | €40k | - | - | - | - |
| Cash at bank and in hand54/58 | €1k | €15k | €16k | €17k | €28k | ▲ 60.5% |
| Deferred charges and accrued income490/1 | - | €6k | €9k | €0 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €89k | €201k | €237k | €283k | €240k | ▼ 15.3% |
| Equity10/15 | €52k | €84k | €117k | €138k | €154k | ▲ 11.7% |
| Contributions10/11 | - | €19k | €19k | €19k | €19k | = |
| Reserves13 | €89k | €66k | €99k | €119k | €135k | ▲ 13.5% |
| Non-distributable reserves130/1 | - | €2k | €2k | €0 | - | - |
| Reserves not available under the articles1311 | - | €2k | €2k | €0 | - | - |
| Distributable reserves133 | - | €64k | €97k | €119k | €135k | ▲ 13.5% |
| Profit (loss) carried forward14 | €-56k | €0 | €0 | €0 | - | - |
| Amounts payable17/49 | €37k | €116k | €120k | €145k | €86k | ▼ 41.0% |
| Amounts payable after more than one year17 | - | €32k | €10k | €0 | - | - |
| Financial debts170/4 | - | €32k | €10k | €0 | - | - |
| Amounts payable within one year42/48 | €37k | €84k | €72k | €107k | €48k | ▼ 55.5% |
| Current portion of amounts payable after more than one year42 | - | - | €11k | €10k | €0 | ▼ 100% |
| Trade debts44 | €36k | €64k | €16k | €44k | €365 | ▼ 99.2% |
| Suppliers440/4 | - | €64k | €16k | €44k | €365 | ▼ 99.2% |
| Taxes, remuneration and social security45 | - | €3k | €23k | €23k | €16k | ▼ 30.0% |
| Taxes450/3 | - | €2k | €20k | €18k | €16k | ▼ 10.7% |
| Remuneration and social security454/9 | - | €366 | €3k | €5k | €0 | ▼ 100% |
| Other amounts payable47/48 | - | €18k | €22k | €30k | €31k | ▲ 4.1% |
| Accrued charges and deferred income492/3 | - | - | €38k | €38k | €38k | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-7k | €50k | €34k | €21k | €16k | ▼ 22.1% |
| + Depreciation and write-downs630 | €2k | €2k | €119 | €63 | €0 | ▼ 100% |
| Operating cash flow (approximation) | €-5k | €52k | €34k | €21k | €16k | ▼ 22.3% |
| Investment in fixed assets (approximation) | - | €0 | €5k | €0 | - | - |
| Change in cash | - | €13k | €2k | €1k | €10k | ▲ 792% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Equity above €150kEq €154k ▲11.7%
4 profitable years in a row build equity to €154k.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Equity above €100kEq €117k ▲38.7%
2 profitable years in a row build equity to €117k.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €50k
Net result €50k after 2 loss-making years.
01-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
2021
17-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
30-06
Financial
Weakest financial yearnet €-49k
Net result drops to €-49k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
07-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 7 days late
2018
23-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
22-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Maarkedal · 1 establishment unit since 2007
Ground area
1,473 m²
Building footprint
110 m²
Volume, LiDAR
689 m³
Parcel 45020A1026/00C000, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PETER STEVENS
since 20072.163.842.049
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45020A1026/00C000 | Flanders | 1,473 m² | 1 · 110 m² | 9.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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
2023 · 1 entry · 117 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 117 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 2,264 companies in sector 69209 we hold annual accounts for 1,098. 844 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded06-06-2007
Fiscal year end30-06
Activities, NACEBEL 2025
69209Other tax advisory services
Scores and ratios are computed by Checked and are not a credit decision.