Summary
PETER VAN CAMPFORT is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €944k and a net result of €169k. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 85% of 2435 sector peers (fiscal year 2025). The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 09-06-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
50 d early
2023
12 d early
2022
32 d early
2021
19 d early
2020
17 d early
2019
17 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€944k▲ 0.4%
2024 · €941k
2018: €721k
2019: €782k
2020: €928k
2021: €947k
2022: €922k
2023: €932k
2024: €941k
2018 → 2025
Net result
€169k▲ 21.4%
2024 · €140k
2018: €130k
2019: €143k
2020: €146k
2021: €185k
2022: €149k
2023: €131k
2024: €140k
2018 → 2025
Total assets
€1.08M▼ 0.7%
2024 · €1.09M
2018: €1.03M
2019: €1.16M
2020: €1.17M
2021: €1.16M
2022: €1.12M
2023: €1.10M
2024: €1.09M
2018 → 2025
Solvency
87.4%▲ 1.0pp
2024 · 86.5%
2018: 70.2%
2019: 67.2%
2020: 79.2%
2021: 81.8%
2022: 82.0%
2023: 84.7%
2024: 86.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€947k-€922k▼ 2.6%€932k▲ 1.1%€941k▲ 1.0%€944k▲ 0.4%
Operating result€274k-€222k▼ 19.1%€189k▼ 14.9%€203k▲ 7.8%€246k▲ 20.8%
Net result€185k-€149k▼ 19.2%€131k▼ 11.9%€140k▲ 6.2%€169k▲ 21.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 21% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.08M
Fixed assets
€242k ▼ 18.4%
Current assets
€838k ▲ 5.9%
Equity and liabilities €1.08M
Equity
€944k ▲ 0.4%
Debt
€136k ▼ 7.9%
Debt's share of the balance-sheet total falls from 13.5% to 12.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
17.9%▲
2024 · 14.8%
ROA
15.7%▲
2024 · 12.8%
Debt ≤ 1 year
€53k▲
2024 · €52k
Debt > 1 year
€82k▼
2024 · €95k
Income taxes
€79k▲
2024 · €65k
Staff costs
€100k▲
2024 · €94k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.09M€1.08M▼
Fixed assets21/28€297k€242k▼
Tangible fixed assets22/27€297k€242k▼
Land and buildings22€253k€209k▼
Plant, machinery and equipment23€11k€10k▼
Furniture and vehicles24€32k€24k▼
Current assets29/58€791k€838k▲
Amounts receivable within one year40/41€12k€8k▼
Other amounts receivable41€12k€8k▼
Current investments50/53€345k€345k=
Cash at bank and in hand54/58€404k€449k▲
Deferred charges and accrued income490/1€30k€35k▲
Equity and liabilities
Total equity and liabilities10/49€1.09M€1.08M▼
Equity10/15€941k€944k▲
Contributions10/11€19k€19k=
Reserves13€918k€922k▲
Distributable reserves133€918k€922k▲
Profit (loss) carried forward14€4k€4k=
Amounts payable17/49€147k€136k▼
Amounts payable after more than one year17€95k€82k▼
Financial debts170/4€95k€82k▼
Amounts payable within one year42/48€52k€53k▲
Current portion of amounts payable after more than one year42€13k€7k▼
Trade debts44€4k€4k▲
Suppliers440/4€4k€4k▲
Taxes, remuneration and social security45€33k€39k▲
Taxes450/3€27k€33k▲
Remuneration and social security454/9€6k€6k▲
Other amounts payable47/48€3k€3k=
Income statement
Code20242025
Remuneration, social security and pensions62€94k€100k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€55k€57k▲
Other operating charges640/8€4k€5k▲
Gross operating margin9900€357k€408k▲
Operating profit (loss)9901€203k€246k▲
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€4k▲
Financial charges65/66B€684€751▲
Recurring financial charges65€684€751▲
Profit (loss) for the period before taxes9903€205k€249k▲
Income taxes67/77€65k€79k▲
Profit (loss) for the period9904€140k€169k▲
Profit (loss) for the period to be appropriated9905€140k€169k▲
Appropriation of the result
Profit (loss) to be appropriated9906€144k€174k▲
Profit (loss) brought forward from the previous period14P€4k€4k=
Transfer from equity791/2€130k€166k▲
Transfer to equity691/2€140k€169k▲
To other reserves6921€140k€169k▲
Profit to be distributed694/7€130k€166k▲
Return on contributions (dividend)694€130k€166k▲
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
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €185k ▲26.6%
Operating result €274k, net result €185k, both a record.
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Liquidity triplescurrent ratio 13.19
Current ratio from 5.12 to 13.19; short-term debt falls from €171k to €70k.
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
03-07
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
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, Dessel · 1 establishment unit since 2002
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.
Molsebaan 542480 DesselGround area
839 m²
Building footprint
211 m²
Volume, LiDAR
1,676 m³
Parcel 13006E1016/00N000, Flanders · tallest building 12.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ARGENTA
since 20022.096.012.919
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13006E1016/00N000 | Flanders | 839 m² | 1 · 211 m² | 12.4 m · 3 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 464 EUR awarded · 464 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 51 EUR | 51 EUR |
| 2024 | 1 | 191 EUR | 191 EUR |
| 2023 | 1 | 176 EUR | 176 EUR |
| 2022 | 1 | 46 EUR | 46 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
894500X4IO5B84867L25
Similar companies · same sector, comparable size
Nivelles Finances
BE 0849.689.118
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HOORENS - BEULQUE en CIE
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ZAKENKANTOOR SONJA GEENS
BE 0823.400.633
Tessenderlo-Ham · Eq €935k
KRIS VAN DER BORGHT
BE 0542.369.857
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Kristiaan De Belder
BE 1003.665.829
Sint-Katelijne-Waver · Eq €931k
Of 1,681 companies in sector 66191 we hold annual accounts for 1,230. 884 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
Founded14-12-2001
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.