PEYTIER
ActivePEYTIER has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €55k and a net result of €-17k. Equity is shrinking by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 85% of 27787 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency100▲+11
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 4.78 against 2.64 in 2024; short-term debt: 19.8% and cash: 37.3% of total assets), and 19.8% 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 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
80.2%
Return on assets
-24.4%
Age of the figures
9 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
25 d late
2023
30 d late
2022
70 d late
2021
192 d late
2020
2 d late
2019
31 d late
← before the deadline
after the deadline →
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€55k▼ 23.3%
2024 · €72k
2018: €79k
2019: €63k
2020: €81k
2021: €83k
2022: €97k
2023: €42k
2024: €72k
2018 → 2025
Total assets
€68k▼ 38.7%
2024 · €112k
2018: €101k
2019: €66k
2020: €85k
2021: €130k
2022: €152k
2023: €74k
2024: €112k
2018 → 2025
Net result
€-17k
2024 · €30k
2018: €15k
2019: €-16k
2020: €18k
2021: €2k
2022: €14k
2023: €1k
2024: €30k
2018 → 2025
Working capital
€51k▼ 21.9%
2024 · €66k
2018: €63k
2019: €51k
2020: €69k
2021: €62k
2022: €78k
2023: €28k
2024: €66k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€83k-€97k▲ 17.3%€42k▼ 57.1%€72k▲ 71.2%€55k▼ 23.3%
Operating result€5k-€20k▲ 345%€4k▼ 81.7%€45k▲ 1,089%€-13k
Net result€2k-€14k▲ 519%€1k▼ 89.9%€30k▲ 1,950%€-17k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €13k after €45k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €68k
Fixed assets
€4k▼ 39.5%
Current assets
€65k▼ 38.6%
Equity and liabilities €68k
Equity
€55k▼ 23.3%
Debt
€14k▼ 66.1%
The debt ratio falls from 35.9% to 19.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-11k▼
2024 · €47k
Cash flow
€-14k▼
2024 · €32k
Solvency
80.2%▲
2024 · 64.1%
Current ratio
4.78▲
2024 · 2.64
Quick ratio
4.78▲
2024 · 2.64
Debt / equity
0.25▼
2024 · 0.56
ROE
-30.5%▼
2024 · 41.6%
ROA
-24.4%▼
2024 · 26.7%
Interest coverage
-3.58▼
2024 · 15.44
Debt
€14k▼
2024 · €40k
Debt ≤ 1 year
€14k▼
2024 · €40k
Income taxes
€217▼
2024 · €12k
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€112k€68k▼
Fixed assets21/28€6k€4k▼
Tangible fixed assets22/27€6k€4k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€1k€313▼
Financial fixed assets28€10€10=
Current assets29/58€106k€65k▼
Amounts receivable within one year40/41€36k€22k▼
Trade receivables40€35k€21k▼
Other amounts receivable41€987€155▼
Cash at bank and in hand54/58€43k€26k▼
Deferred charges and accrued income490/1€27k€18k▼
Equity and liabilities
Total equity and liabilities10/49€112k€68k▼
Equity10/15€72k€55k▼
Contributions10/11€19k€19k=
Reserves13€53k€36k▼
Distributable reserves133€53k€36k▼
Profit (loss) carried forward14€0-
Amounts payable17/49€40k€14k▼
Amounts payable within one year42/48€40k€14k▼
Trade debts44€17k€2k▼
Suppliers440/4€17k€2k▼
Taxes, remuneration and social security45€13k€11k▼
Taxes450/3€13k€11k▼
Other amounts payable47/48€11k€0▼
Income statement
Code20242025
Non-recurring operating income76A€13k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€281€144▼
Non-recurring operating charges66A€9k€0▼
Gross operating margin9900€57k€-11k▼
Operating profit (loss)9901€45k€-13k▼
Financial income75/76B€2€0▼
Recurring financial income75€2€0▼
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€42k€-16k▼
Income taxes67/77€12k€217▼
Profit (loss) for the period9904€30k€-17k▼
Profit (loss) for the period to be appropriated9905€30k€-17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€30k€-17k▼
Transfer from equity791/2€0€17k▲
Transfer to equity691/2€30k€0▼
To other reserves6921€30k€0▼
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (9 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-17k ▼156%
Net result drops to €-17k, the lowest in the series.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Highest result since 2018net €30k ▲1950%
Operating result €45k, net result €30k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
08-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 192 days late
2021
02-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 2 days late
2020
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Liquidity times 5current ratio 19.43
Current ratio from 3.92 to 19.43; short-term debt falls from €22k to €3k.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
09-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 9 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
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, Herzele · 1 establishment unit since 2001
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.
Lindestraat 119550 HerzeleGround area
2.1 ha
Building footprint
150 m²
Parcel 41027A0161/00Y002, Flanders. Linked by address, not a title deed.
1 establishment unit
DAKWERKEN PEYTIER
since 20012.116.184.464
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41027A0161/00Y002 | Flanders | 2.1 ha | 2 · 150 m² | - |
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.
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Of 8,561 companies in sector 43410 we hold annual accounts for 4,357. 3,703 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-12-2000
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
45220
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.