SEGERS PETER
ActiveSummary
SEGERS PETER has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.03M and a net result of €78k. Equity is growing by ~7.3% per year across the filed fiscal years. Its solvency ranks better than 61% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+9
Solvency92▲+5
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €85k at 30 days acceptable
Liquidity ample (current ratio 5.09 against 4.5 in 2024; short-term debt: 11.4% and cash: 21.9% of total assets), and 33.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
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
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
66.9%
Return on assets
5.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-09-2026, 42 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
42 d late
2024
53 d late
2023
68 d late
2022
64 d late
2021
61 d late
2020
86 d late
2019
104 d late
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.03M▲ 8.2%
2024 · €949k
2018: €572k
2019: €693k
2020: €816k
2021: €887k
2022: €939k
2023: €1.03M
2024: €949k
2018 → 2025
Total assets
€1.54M▼ 0.4%
2024 · €1.54M
2018: €1.10M
2019: €1.22M
2020: €1.05M
2021: €1.10M
2022: €1.49M
2023: €1.62M
2024: €1.54M
2018 → 2025
Net result
€78k▲ 71.7%
2024 · €45k
2018: €67k
2019: €121k
2020: €123k
2021: €72k
2022: €52k
2023: €86k
2024: €45k
2018 → 2025
Working capital
€718k▲ 5.0%
2024 · €684k
2018: €348k
2019: €440k
2020: €610k
2021: €694k
2022: €658k
2023: €754k
2024: €684k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€887k-€939k▲ 5.8%€1.03M▲ 9.2%€949k▼ 7.4%€1.03M▲ 8.2%
Operating result€98k-€71k▼ 28.0%€119k▲ 67.4%€79k▼ 33.2%€116k▲ 45.5%
Net result€72k-€52k▼ 27.5%€86k▲ 66.1%€45k▼ 47.2%€78k▲ 71.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 46% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.54M
Fixed assets
€642k ▼ 3.1%
Current assets
€894k ▲ 1.7%
Equity and liabilities €1.54M
Equity
€1.03M ▲ 8.2%
Provisions
€14k ▼ 3.2%
Debt
€494k ▼ 14.4%
Debt's share of the balance-sheet total falls from 37.5% to 32.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€162k▲
2024 · €125k
Cash flow
€125k▲
2024 · €91k
Current ratio
5.09▲
2024 · 4.50
Debt to equity
0.48▼
2024 · 0.61
ROE
7.6%▲
2024 · 4.8%
ROA
5.1%▲
2024 · 2.9%
Interest coverage
11.41▲
2024 · 5.19
Debt ≤ 1 year
€176k▼
2024 · €195k
Debt > 1 year
€248k▼
2024 · €301k
Income taxes
€40k▲
2024 · €24k
Staff costs
€109k▲
2024 · €100k
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 · 64 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.54M€1.54M▼
Fixed assets21/28€662k€642k▼
Tangible fixed assets22/27€662k€642k▼
Land and buildings22€17k€15k▼
Furniture and vehicles24€105k€80k▼
Other tangible fixed assets26€540k€546k▲
Current assets29/58€879k€894k▲
Amounts receivable after more than one year29€350k€350k=
Other amounts receivable291€350k€350k=
Amounts receivable within one year40/41€173k€202k▲
Trade receivables40€146k€128k▼
Other amounts receivable41€28k€74k▲
Cash at bank and in hand54/58€351k€336k▼
Deferred charges and accrued income490/1€5k€5k▲
Equity and liabilities
Total equity and liabilities10/49€1.54M€1.54M▼
Equity10/15€949k€1.03M▲
Contributions10/11€46k€46k=
Reserves13€903k€981k▲
Non-distributable reserves130/1€5k€5k=
Reserves not available under the articles1311€5k€0▼
Other1319-€5k
Tax-exempt reserves132€58k€56k▼
Distributable reserves133€841k€920k▲
Profit (loss) carried forward14-€0
Provisions and deferred taxes16€15k€14k▼
Deferred taxes168€15k€14k▼
Amounts payable17/49€578k€494k▼
Amounts payable after more than one year17€301k€248k▼
Financial debts170/4€298k€244k▼
Other amounts payable178/9€3k€3k=
Amounts payable within one year42/48€195k€176k▼
Current portion of amounts payable after more than one year42€52k€54k▲
Financial debts43€30k€30k=
Credit institutions430/8€30k€30k=
Trade debts44€12k€21k▲
Suppliers440/4€12k€21k▲
Advances received on contracts in progress46€697€0▼
Taxes, remuneration and social security45€101k€71k▼
Taxes450/3€82k€51k▼
Remuneration and social security454/9€19k€20k▲
Accrued charges and deferred income492/3€81k€71k▼
Income statement
Code20242025
Non-recurring operating income76A€8k€0▼
Remuneration, social security and pensions62€100k€109k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45k€47k▲
Other operating charges640/8€9k€9k▼
Non-recurring operating charges66A€244€214▼
Gross operating margin9900€234k€280k▲
Operating profit (loss)9901€79k€116k▲
Financial income75/76B€14k€16k▲
Recurring financial income75€14k€16k▲
Financial charges65/66B€24k€14k▼
Recurring financial charges65€24k€14k▼
Profit (loss) for the period before taxes9903€69k€117k▲
Transfer from deferred taxes780€471€471=
Income taxes67/77€24k€40k▲
Profit (loss) for the period9904€45k€78k▲
Transfer from tax-exempt reserves789€2k€2k=
Profit (loss) for the period to be appropriated9905€47k€80k▲
Appropriation of the result
Profit (loss) to be appropriated9906€47k€80k▲
Transfer from equity791/2€121k€0▼
Transfer to equity691/2€47k€80k▲
To other reserves6921€47k€80k▲
Profit to be distributed694/7€121k€0▼
Return on contributions (dividend)694€121k€0▼
The notes to these accounts (10 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
11-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 42 days late
2025
31-12
Financial
Equity above €1MEq €1.03M ▲8.2%
8 profitable years in a row build equity to €1.03M.
22-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 53 days late
2024
31-12
Financial
Weakest financial yearnet €45k ▼47.2%
Net result drops to €45k, the lowest in the series; recovery starts the following year.
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
2023
31-12
Financial
Equity above €1MEq €1.03M ▲9.2%
6 profitable years in a row build equity to €1.03M.
03-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 64 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
25-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 86 days late
2020
31-12
Financial
Highest result since 2018net €123k ▲1.1%
Net result €123k, the highest in the series.
12-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 104 days late
2019
21-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 82 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
03-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Leopoldsburg · 1 establishment unit since 2004
Ground area
3,419 m²
Building footprint
179 m²
Volume, LiDAR
1,041 m³
Parcel 71034A2065/00A000, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Berkenlaan 81, 3970 Leopoldsburg
since 20042.229.112.656
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71034A2065/00A000 | Flanders | 3,418 m² | 1 · 179 m² | 8.1 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.
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Of 22,056 companies in sector 69101 we hold annual accounts for 9,055. 4,237 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 (pre-2019)
Founded13-10-2004
Fiscal year end31-12
Activities, NACEBEL 2025
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:p.segers@segers-law.com
Phone:011.45.45.50