PIRET Grégory
ActivePIRET Grégory has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €81k and a net result of €100. Equity is growing by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 67% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability63▼-18
Solvency88▼-12
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.54 against 4.92 in 2024; short-term debt: 35.6% and cash: 4.3% of total assets), and 37.3% 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
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 · 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
62.7%
Return on assets
0.1%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 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
13 d late
2024
25 d late
2023
31 d late
2022
20 d late
2021
29 d late
2020
6 d late
2019
70 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€81k▼ 21.8%
2024 · €103k
2018: €31k
2019: €38k
2020: €31k
2021: €88k
2022: €88k
2023: €90k
2024: €103k
2018 → 2025
Total assets
€129k▼ 5.1%
2024 · €136k
2018: €86k
2019: €80k
2020: €67k
2021: €145k
2022: €127k
2023: €128k
2024: €136k
2018 → 2025
Net result
€100▼ 99.2%
2024 · €13k
2018: €-11k
2019: €7k
2020: €-7k
2021: €57k
2022: €721
2023: €2k
2024: €13k
2018 → 2025
Working capital
€71k▼ 21.0%
2024 · €90k
2018: €26k
2019: €34k
2020: €29k
2021: €81k
2022: €77k
2023: €74k
2024: €90k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€88k-€88k▲ 0.8%€90k▲ 1.8%€103k▲ 14.8%€81k▼ 21.8%
Operating result€70k-€1k▼ 98.3%€3k▲ 180%€19k▲ 481%€3k▼ 85.2%
Net result€57k-€721▼ 98.7%€2k▲ 126%€13k▲ 717%€100▼ 99.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 85% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €129k
Fixed assets
€12k▼ 48.0%
Current assets
€117k▲ 3.7%
Equity and liabilities €129k
Equity
€81k▼ 21.8%
Provisions
€2k▼ 51.9%
Debt
€46k▲ 63.7%
The debt ratio rises from 20.6% to 35.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€15k▼
2024 · €31k
Cash flow
€12k▼
2024 · €26k
Solvency
62.7%▼
2024 · 76.0%
Current ratio
2.54▼
2024 · 4.92
Quick ratio
2.54▼
2024 · 4.92
Debt / equity
0.57▲
2024 · 0.27
ROE
0.1%▼
2024 · 12.9%
ROA
0.1%▼
2024 · 9.8%
Interest coverage
5.32▼
2024 · 15.55
Debt
€46k▲
2024 · €28k
Debt ≤ 1 year
€46k▲
2024 · €23k
Income taxes
€3k▼
2024 · €7k
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€136k€129k▼
Fixed assets21/28€23k€12k▼
Tangible fixed assets22/27€23k€12k▼
Plant, machinery and equipment23€3k€3k▼
Furniture and vehicles24€9k€4k▼
Leasing and similar rights25€11k€5k▼
Current assets29/58€113k€117k▲
Amounts receivable after more than one year29€41k€41k=
Other amounts receivable291€41k€41k=
Amounts receivable within one year40/41€41k€59k▲
Trade receivables40€37k€55k▲
Other amounts receivable41€3k€4k▲
Cash at bank and in hand54/58€17k€5k▼
Deferred charges and accrued income490/1€14k€11k▼
Equity and liabilities
Total equity and liabilities10/49€136k€129k▼
Equity10/15€103k€81k▼
Contributions10/11€19k€19k=
Reserves13€36k€7k▼
Tax-exempt reserves132€14k€7k▼
Distributable reserves133€23k-
Profit (loss) carried forward14€48k€56k▲
Provisions and deferred taxes16€5k€2k▼
Deferred taxes168€5k€2k▼
Amounts payable17/49€28k€46k▲
Amounts payable after more than one year17€5k-
Financial debts170/4€5k-
Amounts payable within one year42/48€23k€46k▲
Current portion of amounts payable after more than one year42€5k€5k▲
Trade debts44€8k€11k▲
Suppliers440/4€8k€11k▲
Taxes, remuneration and social security45€10k€7k▼
Taxes450/3€7k€3k▼
Remuneration and social security454/9€2k€4k▲
Other amounts payable47/48-€23k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k=
Other operating charges640/8€2k€2k▼
Gross operating margin9900€33k€17k▼
Operating profit (loss)9901€19k€3k▼
Financial income75/76B€1k€956▼
Recurring financial income75€1k€956▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€18k€908▼
Transfer from deferred taxes780€3k€2k▼
Income taxes67/77€7k€3k▼
Profit (loss) for the period9904€13k€100▼
Transfer from tax-exempt reserves789€9k€7k▼
Profit (loss) for the period to be appropriated9905€22k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€48k€56k▲
Profit (loss) brought forward from the previous period14P€26k€48k▲
Transfer from equity791/2-€23k
Profit to be distributed694/7-€23k
Return on contributions (dividend)694-€23k
The notes to these accounts (6 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
13-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 13 days late
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Equity above €100kEq €103k ▲14.8%
4 profitable years in a row build equity to €103k.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
20-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 20 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Back to profitnet €57k
Net result €57k after one loss-making year.
06-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 6 days late
2020
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 70 days late
2019
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
27-06
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
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, Verviers · 1 establishment unit since 2012
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.
Chemin de la Lande 794801 VerviersGround area
1,082 m²
Building footprint
154 m²
Volume, LiDAR
814 m³
Parcel 63074B0721/00B000, Wallonia · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PIRET GREGORY
since 20122.212.855.159
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63074B0721/00B000 | Wallonia | 1,082 m² | 1 · 154 m² | 8.2 m · 2 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.
Similar companies · same sector, comparable size
ARDOISES ET TUILES
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BE 0793.783.860
Lanaken · Eq €81k
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V.S. CONSTRUCTIVE
BE 0741.672.292
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LOUIS RENOVATION
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Assesse · Eq €81k
Of 8,563 companies in sector 43410 we hold annual accounts for 4,355. 3,787 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-09-2012
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.