STIMAA-PEETERS
ActiveSTIMAA-PEETERS has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €24k and a net result of €1k. Equity is growing by ~32.2% per year across the filed fiscal years. Its solvency ranks better than 16% of 2917 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
61
/ 100
Healthy▼ -15 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability27▼-73
Solvency19=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.08 against 1.1 in 2023), and 91.4% 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
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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 2024Solvency, return and age of the figures
Solvency
8.6%
Return on assets
0.5%
Age of the figures
20 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 2917 sector peers (2024).
NBB · sector comparisonPosition among 2917 sector peers
Solvency
better than 16%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-10-2025, 90 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 · 4 filingsDeviation from the deadline
2025
not confirmed
2024
90 d late
2023
111 d late
2022
30 d late
2021
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€24k▲ 5.7%
2023 · €23k
2021: €12k
2022: €13k
2023: €23k
2021 → 2024
Total assets
€277k▲ 11.7%
2023 · €248k
2021: €251k
2022: €207k
2023: €248k
2021 → 2024
Net result
€1k▼ 87.1%
2023 · €10k
2021: €7k
2022: €1k
2023: €10k
2021 → 2024
Working capital
€21k▼ 1.0%
2023 · €22k
2021: €11k
2022: €11k
2023: €22k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€12k-€13k▲ 9.8%€23k▲ 78.1%€24k▲ 5.7%
Operating result€10k-€1k▼ 86.0%€15k▲ 979%€4k▼ 75.4%
Net result€7k-€1k▼ 82.7%€10k▲ 774%€1k▼ 87.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 75% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €277k
Fixed assets
€2k▼ 31.2%
Current assets
€275k▲ 12.4%
Equity and liabilities €277k
Equity
€24k▲ 5.7%
Debt
€253k▲ 12.3%
The debt ratio rises from 90.9% to 91.4%: debt grows faster than equity.
Key figures and ratios
EBITDA
€5k▼
2023 · €16k
Cash flow
€2k▼
2023 · €11k
Solvency
8.6%▼
2023 · 9.1%
Current ratio
1.08▼
2023 · 1.10
Quick ratio
1.08▼
2023 · 1.10
Debt / equity
10.61▲
2023 · 9.97
ROE
5.3%▼
2023 · 43.9%
ROA
0.5%▼
2023 · 4.0%
Interest coverage
20.23▼
2023 · 21.57
Debt
€253k▲
2023 · €225k
Debt ≤ 1 year
€253k▲
2023 · €223k
Income taxes
€3k▼
2023 · €5k
Staff costs
€72k▼
2023 · €86k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€248k€277k▲
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€4k€2k▼
Plant, machinery and equipment23€4k€2k▼
Current assets29/58€244k€275k▲
Amounts receivable within one year40/41€238k€267k▲
Trade receivables40€207k€248k▲
Other amounts receivable41€31k€19k▼
Cash at bank and in hand54/58€6k€7k▲
Deferred charges and accrued income490/1€458€461▲
Equity and liabilities
Total equity and liabilities10/49€248k€277k▲
Equity10/15€23k€24k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€18k€19k▲
Amounts payable17/49€225k€253k▲
Amounts payable within one year42/48€223k€253k▲
Trade debts44€205k€210k▲
Suppliers440/4€205k€210k▲
Taxes, remuneration and social security45€17k€39k▲
Taxes450/3€8k€22k▲
Remuneration and social security454/9€9k€17k▲
Other amounts payable47/48€216€4k▲
Accrued charges and deferred income492/3€3k-
Income statement
Code20232024
Non-recurring operating income76A-€121
Remuneration, social security and pensions62€86k€72k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€851€1k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€23k€10k▼
Other operating charges640/8€62€232▲
Gross operating margin9900€124k€87k▼
Operating profit (loss)9901€15k€4k▼
Financial income75/76B€688€514▼
Recurring financial income75€688€514▼
Financial charges65/66B€731€236▼
Recurring financial charges65€731€236▼
Profit (loss) for the period before taxes9903€15k€4k▼
Income taxes67/77€5k€3k▼
Profit (loss) for the period9904€10k€1k▼
Profit (loss) for the period to be appropriated9905€10k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€18k€19k▲
Profit (loss) brought forward from the previous period14P€8k€18k▲
Social balance
Average headcount (FTE)90871.92.0▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 90 days late
2024
19-11
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 111 days late
2023
31-12
Financial
Highest result since 2021net €10k ▲774%
Operating result €15k, net result €10k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
31-12
Financial
Weakest financial yearnet €1k ▼82.7%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2021
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
18-01-2021
Resigned as Director
Location & real-estate footprint
Registered office, Maasmechelen · 1 establishment unit since 2026
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.
Pauwengraaf(E) 1453630 MaasmechelenGround area
359 m²
Building footprint
291 m²
Volume, LiDAR
2,238 m³
Parcel 73013D0491/00A000, Flanders · tallest building 12.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Pauwengraaf(E) 145, 3630 Maasmechelen
since 20262.385.021.845
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73013D0491/00A000 | Flanders | 359 m² | 1 · 291 m² | 12.9 m · 3 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
2025 · 1 entry · 39 EUR awarded · 39 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 39 EUR | 39 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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SOTIL
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FREDISA
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Gerpinnes · Eq €24k
VLACOFI
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Of 12,122 companies in sector 69201 we hold annual accounts for 7,601. 4,719 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-02-2020
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryWebsite:www.stimaa.be