SANDER PEERE
ActiveSANDER PEERE has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €64k and a net result of €17k. Equity is growing by ~11.2% per year across the filed fiscal years. Its solvency ranks better than 76% of 7684 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +48 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency100▲+1
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 8.73 against 8.96 in 2024), and 33% 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
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
67%
Return on assets
17.4%
Age of the figures
8 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 09-06-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
70 d early
2023
141 d early
2022
10 d late
2021
3 d early
2020
1 d early
2019
31 d early
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€64k▲ 35.0%
2024 · €47k
2018: €36k
2019: €21k
2020: €37k
2021: €38k
2022: €50k
2023: €61k
2024: €47k
2018 → 2025
Total assets
€96k▲ 23.7%
2024 · €77k
2018: €70k
2019: €58k
2020: €90k
2021: €74k
2022: €90k
2023: €111k
2024: €77k
2018 → 2025
Net result
€17k
2024 · €-13k
2018: €-570
2019: €-15k
2020: €16k
2021: €1k
2022: €12k
2023: €11k
2024: €-13k
2018 → 2025
Working capital
€79k▲ 15.6%
2024 · €68k
2018: €33k
2019: €20k
2020: €38k
2021: €59k
2022: €71k
2023: €84k
2024: €68k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€38k-€50k▲ 31.4%€61k▲ 21.1%€47k▼ 22.0%€64k▲ 35.0%
Operating result€1k-€17k▲ 1,528%€15k▼ 13.8%€-13k€20k
Net result€1k-€12k▲ 1,047%€11k▼ 11.8%€-13k€17k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €20k after a loss of €13k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €96k
Fixed assets
€7k▲ 1,092%
Current assets
€89k▲ 16.0%
Equity and liabilities €96k
Equity
€64k▲ 35.0%
Debt
€32k▲ 5.8%
The debt ratio falls from 38.6% to 33.0%: equity grows faster than debt.
Key figures and ratios
EBITDA
€25k▲
2024 · €-13k
Cash flow
€21k▲
2024 · €-13k
Solvency
67.0%▲
2024 · 61.4%
Current ratio
8.73▼
2024 · 8.96
Quick ratio
8.47▼
2024 · 8.61
Debt / equity
0.49▼
2024 · 0.63
ROE
25.9%▲
2024 · -28.2%
ROA
17.4%▲
2024 · -17.3%
Interest coverage
15.94▲
2024 · -8.27
Debt
€32k▲
2024 · €30k
Debt ≤ 1 year
€10k▲
2024 · €9k
Debt > 1 year
€20k=
2024 · €20k
Income taxes
€4k▲
2024 · €210
Staff costs
€65k▲
2024 · €59k
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€77k€96k▲
Fixed assets21/28€555€7k▲
Intangible fixed assets21-€0
Tangible fixed assets22/27€555€7k▲
Plant, machinery and equipment23€555€302▼
Furniture and vehicles24-€6k
Current assets29/58€77k€89k▲
Stocks and contracts in progress3€3k€3k▼
Stocks30/36€3k€3k▼
Amounts receivable within one year40/41€3k€4k▲
Trade receivables40€2k€3k▲
Other amounts receivable41€1k€1k▲
Cash at bank and in hand54/58€70k€82k▲
Deferred charges and accrued income490/1€945€1k▲
Equity and liabilities
Total equity and liabilities10/49€77k€96k▲
Equity10/15€47k€64k▲
Contributions10/11€19k€19k=
Reserves13€41k€45k▲
Distributable reserves133€41k€45k▲
Profit (loss) carried forward14€-12k€39▲
Amounts payable17/49€30k€32k▲
Amounts payable after more than one year17€20k€20k=
Financial debts170/4€20k€20k=
Amounts payable within one year42/48€9k€10k▲
Trade debts44€6k€3k▼
Suppliers440/4€6k€3k▼
Taxes, remuneration and social security45€2k€5k▲
Taxes450/3€256€4k▲
Remuneration and social security454/9€2k€2k▼
Other amounts payable47/48€1k€1k▲
Accrued charges and deferred income492/3€1k€1k▲
Income statement
Code20242025
Remuneration, social security and pensions62€59k€65k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€202€4k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€47k€91k▲
Operating profit (loss)9901€-13k€20k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€-13k€20k▲
Income taxes67/77€210€4k▲
Profit (loss) for the period9904€-13k€17k▲
Profit (loss) for the period to be appropriated9905€-13k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€5k▲
Profit (loss) brought forward from the previous period14P€2k€-12k▼
Transfer to equity691/2-€5k
To other reserves6921-€5k
Social balance
Average headcount (FTE)90871.01.0=
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
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
22-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity doublescurrent ratio 8.96
Current ratio from 4.07 to 8.96; short-term debt falls from €27k to €9k.
12-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 10 days late
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity triplescurrent ratio 5.11
Current ratio from 1.74 to 5.11; short-term debt falls from €52k to €14k.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €16k
Net result €16k after 2 loss-making years.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €-15k
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 27 days late
2018
08-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Brugge · 1 establishment unit since 2011
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.
Boogschutterslaan 478310 BruggeGround area
556 m²
Building footprint
128 m²
Volume, LiDAR
896 m³
Parcel 31029C0645/00Z004, Flanders · tallest building 10.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Sander Peere
since 20112.195.327.259
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31029C0645/00Z004 | Flanders | 556 m² | 1 · 128 m² | 10.8 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 205 EUR awarded · 205 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 0 EUR | 205 EUR |
| 2022 | 1 | 205 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 8,483 companies in sector 43410 we hold annual accounts for 4,308. 3,707 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-12-2010
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
43230Insulation installation
43291Specialised construction activities
43992Specialised construction activities
46411Wholesale trade
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.