PETERS
ActivePETERS has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €633k and a net result of €-231k. Equity is shrinking by ~7.6% per year across the filed fiscal years. Its solvency ranks better than 29% of 7921 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
10
/ 100
Critical▼ -10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency31▼-10
Growth32=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.82 against 0.85 in 2024), and 75.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 01
Relative position
BE, all sectors
reference
Sector 01
lower
← 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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€231k
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 19-12-2025, 43 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
43 d early
2024
42 d early
2023
28 d early
2022
on the day
2021
38 d early
2020
44 d early
2019
42 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 close14-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€633k▼ 26.7%
2024 · €864k
2019: €929k
2020: €1.20M
2021: €1.49M
2022: €1.76M
2023: €1.11M
2024: €864k
2019 → 2025
Total assets
€2.61M▼ 14.5%
2024 · €3.05M
2019: €2.83M
2020: €3.26M
2021: €3.17M
2022: €3.47M
2023: €3.22M
2024: €3.05M
2019 → 2025
Net result
€-231k▲ 7.5%
2024 · €-249k
2019: €379k
2020: €272k
2021: €385k
2022: €-125k
2023: €-647k
2024: €-249k
2019 → 2025
Working capital
€-285k▼ 8.9%
2024 · €-261k
2019: €754k
2020: €1.09M
2021: €1.31M
2022: €186k
2023: €-199k
2024: €-261k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.49M-€1.76M▲ 18.5%€1.11M▼ 36.8%€864k▼ 22.4%€633k▼ 26.7%
Operating result€526k-€-110k€-617k▼ 461%€-234k▲ 62.1%€-221k▲ 5.4%
Net result€385k-€-125k€-647k▼ 416%€-249k▲ 61.5%€-231k▲ 7.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €221k in 2025 against €234k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.61M
Fixed assets
€1.33M▼ 13.8%
Current assets
€1.28M▼ 15.1%
Equity and liabilities €2.61M
Equity
€633k▼ 26.7%
Debt
€1.98M▼ 9.6%
The debt ratio rises from 71.7% to 75.8%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€-71k▲
2024 · €-81k
Cash flow
€-81k▲
2024 · €-96k
Solvency
24.2%▼
2024 · 28.3%
Current ratio
0.82▼
2024 · 0.85
Quick ratio
0.48▼
2024 · 0.52
Debt / equity
3.13▲
2024 · 2.54
ROE
-36.5%▼
2024 · -28.9%
ROA
-8.8%▼
2024 · -8.2%
Interest coverage
-1.16▲
2024 · -1.44
Debt
€1.98M▼
2024 · €2.19M
Debt ≤ 1 year
€1.56M▼
2024 · €1.77M
Debt > 1 year
€416k▼
2024 · €418k
Income taxes
€2k▲
2024 · €1k
Staff costs
€1.31M▲
2024 · €1.22M
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€3.05M€2.61M▼
Fixed assets21/28€1.55M€1.33M▼
Tangible fixed assets22/27€847k€735k▼
Land and buildings22€779k€667k▼
Plant, machinery and equipment23€9k€5k▼
Furniture and vehicles24€60k€63k▲
Financial fixed assets28€700k€599k▼
Current assets29/58€1.51M€1.28M▼
Stocks and contracts in progress3€585k€529k▼
Stocks30/36€585k€529k▼
Amounts receivable within one year40/41€852k€581k▼
Trade receivables40€615k€383k▼
Other amounts receivable41€236k€197k▼
Cash at bank and in hand54/58€53k€143k▲
Deferred charges and accrued income490/1€17k€26k▲
Equity and liabilities
Total equity and liabilities10/49€3.05M€2.61M▼
Equity10/15€864k€633k▼
Contributions10/11€1.64M€1.64M=
Capital10€1.64M€1.64M=
Issued capital100€1.64M€1.64M=
Reserves13€109k€109k=
Non-distributable reserves130/1€44k€44k=
Legal reserve130€44k€44k=
Tax-exempt reserves132€65k€65k=
Profit (loss) carried forward14€-890k€-1.12M▼
Amounts payable17/49€2.19M€1.98M▼
Amounts payable after more than one year17€418k€416k▼
Financial debts170/4€418k€416k▼
Amounts payable within one year42/48€1.77M€1.56M▼
Current portion of amounts payable after more than one year42€95k€109k▲
Financial debts43€500k€530k▲
Credit institutions430/8€500k€530k▲
Trade debts44€905k€670k▼
Suppliers440/4€905k€670k▼
Taxes, remuneration and social security45€216k€253k▲
Taxes450/3€39k€45k▲
Remuneration and social security454/9€177k€208k▲
Other amounts payable47/48€51k€0▼
Accrued charges and deferred income492/3€4k€0▼
Income statement
Code20242025
Non-recurring operating income76A€0€65k▲
Remuneration, social security and pensions62€1.22M€1.31M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€153k€150k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€17k€21k▲
Non-recurring operating charges66A€11k€0▼
Gross operating margin9900€1.17M€1.26M▲
Operating profit (loss)9901€-234k€-221k▲
Financial income75/76B€42k€53k▲
Recurring financial income75€42k€53k▲
Financial charges65/66B€56k€61k▲
Recurring financial charges65€56k€61k▲
Profit (loss) for the period before taxes9903€-248k€-229k▲
Income taxes67/77€1k€2k▲
Profit (loss) for the period9904€-249k€-231k▲
Profit (loss) for the period to be appropriated9905€-249k€-231k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-890k€-1.12M▼
Profit (loss) brought forward from the previous period14P€-640k€-890k▼
Social balance
Average headcount (FTE)908717.217.4▲
The notes to these accounts (23 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
19-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
20-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
03-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Weakest financial yearnet €-647k
Net result drops to €-647k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
24-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
30-06
Financial
Highest result since 2019net €385k ▲41.6%
Operating result €526k, net result €385k, both a record.
2020
18-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
30-06
Financial
Equity above €1MEq €1.20M ▲29.2%
2 profitable years in a row build equity to €1.20M.
2019
20-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
17-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
26-01
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
20-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Bilzen-Hoeselt · 1 establishment unit since 1990
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.
Oude Kluisweg 93740 Bilzen-HoeseltGround area
3.3 ha
Building footprint
1,121 m²
Volume, LiDAR
10,128 m³
Parcel 73056B0431/00L000, Flanders · tallest building 12.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PETERS
since 19902.046.600.723
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73056B0431/00L000 | Flanders | 3.3 ha | 1 · 1,121 m² | 12.3 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 · 5,595 EUR awarded · 5,596 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 0 EUR | 803 EUR |
| 2024 | 1 | 1,605 EUR | 803 EUR |
| 2023 | 1 | 1,665 EUR | 1,665 EUR |
| 2022 | 1 | 2,325 EUR | 2,325 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteBilzen-Hoeselt2.046.600.723
Similar companies · same sector, comparable size
VAN DER VEKEN CONIFEREN
BE 0479.882.754
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Dooghe Boomkwekerij
BE 0822.220.993
Wetteren · Eq €645k
COEMAN ALAIN BOOMKWEKERIJ
BE 0474.435.809
Waregem · Eq €619k
Boomkwekerij René NICOLAI
BE 0435.661.642
Alken · Eq €649k
Of 638 companies in sector 01301 we hold annual accounts for 295. 232 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded28-12-1989
Fiscal year end30-06
Activities, NACEBEL
01123
01301Crop and animal production, hunting and related service activities
46220Wholesale trade
01122
01191Growing of flowers
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.