PEYTIER
ActiveSummary
PEYTIER has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €341k and a net result of €-172k. Equity is shrinking by ~6.5% per year across the filed fiscal years. Its solvency ranks better than 17% of 7777 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability15▼-44
Solvency41▼-4
Growth32=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 2.37 against 2.32 in 2024; short-term debt: 14.4% and cash: 5.4% of total assets), but 84.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 43
Relative position
BE, all sectors
reference
Sector 43
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 7777 sector peers (2025).
NBB · sector comparisonPosition among 7777 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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 · 10 filingsDeviation from the deadline
2025
29 d late
2024
29 d late
2023
30 d late
2022
31 d late
2021
30 d early
2020
31 d late
2019
2 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, abbreviated schema
Equity
€341k▼ 33.6%
2024 · €514k
2018: €594k
2019: €626k
2020: €691k
2021: €733k
2022: €528k
2023: €480k
2024: €514k
2018 → 2025
Total assets
€2.19M▼ 16.4%
2024 · €2.62M
2018: €1.67M
2019: €1.72M
2020: €1.76M
2021: €1.79M
2022: €1.53M
2023: €2.29M
2024: €2.62M
2018 → 2025
Net result
€-172k
2024 · €34k
2018: €52k
2019: €32k
2020: €65k
2021: €42k
2022: €-205k
2023: €-48k
2024: €34k
2018 → 2025
Working capital
€431k▼ 27.9%
2024 · €598k
2018: €20k
2019: €-1k
2020: €67k
2021: €78k
2022: €-179k
2023: €-91k
2024: €598k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€733k-€528k▼ 27.9%€480k▼ 9.1%€514k▲ 7.0%€341k▼ 33.6%
Operating result€107k-€-197k€-13k▲ 93.2%€86k€-124k
Net result€42k-€-205k€-48k▲ 76.4%€34k€-172k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €124k after €86k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.19M
Fixed assets
€1.45M ▼ 7.8%
Current assets
€746k ▼ 29.0%
Equity and liabilities €2.19M
Equity
€341k ▼ 33.6%
Debt
€1.85M ▼ 12.2%
Debt's share of the balance-sheet total rises from 80.4% to 84.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€35k▼
2024 · €231k
Cash flow
€-13k▼
2024 · €178k
Current ratio
2.37▲
2024 · 2.32
Quick ratio
2.10▼
2024 · 2.16
Debt to equity
5.42▲
2024 · 4.10
ROE
-50.5%▼
2024 · 6.6%
ROA
-7.9%▼
2024 · 1.3%
Interest coverage
0.72▼
2024 · 4.65
Debt ≤ 1 year
€315k▼
2024 · €453k
Debt > 1 year
€1.53M▼
2024 · €1.65M
Income taxes
€191▼
2024 · €3k
Staff costs
€612k▼
2024 · €676k
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 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.62M€2.19M▼
Fixed assets21/28€1.57M€1.45M▼
Tangible fixed assets22/27€1.57M€1.44M▼
Land and buildings22€1.31M€1.22M▼
Plant, machinery and equipment23€91k€79k▼
Furniture and vehicles24€168k€143k▼
Financial fixed assets28€819€819=
Current assets29/58€1.05M€746k▼
Stocks and contracts in progress3€71k€83k▲
Stocks30/36€71k€83k▲
Amounts receivable within one year40/41€324k€254k▼
Trade receivables40€297k€223k▼
Other amounts receivable41€26k€31k▲
Cash at bank and in hand54/58€303k€118k▼
Deferred charges and accrued income490/1€353k€291k▼
Equity and liabilities
Total equity and liabilities10/49€2.62M€2.19M▼
Equity10/15€514k€341k▼
Contributions10/11€19k€19k=
Reserves13€210k€210k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€208k€208k=
Profit (loss) carried forward14€285k€113k▼
Amounts payable17/49€2.11M€1.85M▼
Amounts payable after more than one year17€1.65M€1.53M▼
Financial debts170/4€1.65M€1.53M▼
Other amounts payable178/9-€6k
Amounts payable within one year42/48€453k€315k▼
Current portion of amounts payable after more than one year42€165k€159k▼
Trade debts44€169k€24k▼
Suppliers440/4€169k€24k▼
Taxes, remuneration and social security45€85k€113k▲
Taxes450/3€3k€3k=
Remuneration and social security454/9€83k€110k▲
Other amounts payable47/48€34k€19k▼
Income statement
Code20242025
Non-recurring operating income76A€53k€16k▼
Remuneration, social security and pensions62€676k€612k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€145k€159k▲
Other operating charges640/8€13k€12k▼
Non-recurring operating charges66A€1k€2k▲
Gross operating margin9900€922k€661k▼
Operating profit (loss)9901€86k€-124k▼
Financial income75/76B€22€214▲
Recurring financial income75€22€214▲
Financial charges65/66B€50k€49k▼
Recurring financial charges65€50k€49k▼
Profit (loss) for the period before taxes9903€37k€-172k▼
Income taxes67/77€3k€191▼
Profit (loss) for the period9904€34k€-172k▼
Profit (loss) for the period to be appropriated9905€34k€-172k▼
Appropriation of the result
Profit (loss) to be appropriated9906€310k€113k▼
Profit (loss) brought forward from the previous period14P€277k€285k▲
Transfer to equity691/2€25k-
To other reserves6921€25k-
Social balance
Average headcount (FTE)908713.511.6▼
The notes to these accounts (14 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 29 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
31-12
Financial
Back to profitnet €34k
Net result €34k after 2 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 2.32
Current ratio from 0.91 to 2.32; short-term debt falls from €1.03M to €453k.
31-12
Financial
Equity above €500kEq €514k ▲7%
Equity rises from €480k to €514k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €-205k ▼592%
Net result drops to €-205k, the lowest in the series; recovery starts the following year.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €65k ▲101%
Operating result €157k, net result €65k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
2019
20-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Grimbergen · 2 establishment units since 1998
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.
Kleinewinkellaan 321853 GrimbergenGround area
2.4 ha
Building footprint
4,382 m²
Volume, LiDAR
1,486 m³
2 parcels, Flanders · tallest building 11.1 m. Linked by address, not a title deed.
2 establishment units
AANNEMING LOODGIETERIJ PEYTIER - ALL LEAK DETECT
since 19982.087.037.152
AANNEMING LOODGIETERIJ PEYTIER - ALL LEAK DETECT
since 20242.356.583.524
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23084A0277/00F000 | Flanders | 1.7 ha | 1 · 1,945 m² | 11.1 m |
| 23084A0271/00Z004 | Flanders | 6,867 m² | 1 · 2,437 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 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
2022 to 2024 · 4 entries · 1,657 EUR awarded · 1,372 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 812 EUR | 527 EUR |
| 2023 | 1 | 0 EUR | 102 EUR |
| 2022 | 2 | 845 EUR | 743 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Stagebonus (stopgezet)
Recognitions · licences · registrations
Recognised contractor
4 categoriesPEYTIER BV39851
Dual-learning approval
2 endedMonteur sanitaire en verwarmingsinstallaties duaal (so)
Sanitair installateur (so)
Similar companies · same sector, comparable size
SANIMIK
BE 0465.849.923
Oudergem · Eq €341,800
BRAUN
BE 0464.489.151
Herstal · Eq €340,332
VAN OVERMEEREN
BE 0870.898.761
Kluisbergen · Eq €340,201
FILIP SIMAL
BE 0429.939.236
Brugelette · Eq €339,937
DAMATHERM
BE 0874.380.764
Gesves · Eq €342,913
Of 7,041 companies in sector 43221 we hold annual accounts for 3,471. 2,616 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
Founded05-06-1998
Fiscal year end31-12
Activities, NACEBEL 2025
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.