Peeters-Govers Kempen
ActiveSummary
Peeters-Govers Kempen has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €147k and a net result of €1.47M. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 19% of 145 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2026
68
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability100=
Solvency29▼-1
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity tight (current ratio 1.01 against 0.93 in 2025; short-term debt: 95.5% and cash: 41.8% of total assets), and 95.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 47
Relative position
BE, all sectors
reference
Sector 47
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 2026Solvency, return and age of the figures
Solvency
4.4%
Return on assets
44.4%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 145 sector peers (2026).
NBB · sector comparisonPosition among 145 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 29-07-2026, 33 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
33 d early
2025
53 d early
2024
32 d early
2023
31 d early
2022
54 d early
2021
46 d early
2020
31 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-01-2027 close31-08-2027 deadline
Financials · fiscal year 2026, full schema
Source amounts without an identifiable currency are assumed to be EUR.
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€1.47M▲ 33.7%
2025 · €1.10M
2019: €993k
2020: €993k
2021: €1.17M
2022: €756k
2023: €507k
2024: €1.09M
2025: €1.10M
2019 → 2026
Working capital
€28k
2025 · €-201k
2019: €-114k
2020: €-114k
2021: €-370k
2022: €-1.07M
2023: €-781k
2024: €-518k
2025: €-201k
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€148k-€149k▲ 0.6%€149k▲ 0.5%€150k▲ 0.3%€147k▼ 1.9%
Operating result€795k-€548k▼ 31.1%€1.13M▲ 106%€1.14M▲ 1.4%€1.55M▲ 35.0%
Net result€756k-€507k▼ 33.0%€1.09M▲ 115%€1.10M▲ 1.3%€1.47M▲ 33.7%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed three years in a row; 2026 is 35% above 2025 and is the highest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €3.32M
Fixed assets
€122k ▼ 68.9%
Current assets
€3.19M ▲ 25.2%
Equity and liabilities €3.32M
Equity
€147k ▼ 1.9%
Debt
€3.17M ▲ 13.4%
Debt's share of the balance-sheet total rises from 94.9% to 95.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€1.86M▲
2025 · €1.45M
Cash flow
€1.78M▲
2025 · €1.41M
Current ratio
1.01▲
2025 · 0.93
Quick ratio
0.85▲
2025 · 0.77
Debt to equity
21.56▲
2025 · 18.65
ROA
44.4%▲
2025 · 37.4%
Interest coverage
26.33▲
2025 · 21.08
Debt ≤ 1 year
€3.17M▲
2025 · €2.75M
Debt > 1 year
€3k▼
2025 · €42k
Income taxes
€37k▲
2025 · €6k
Staff costs
€1.41M▼
2025 · €1.54M
A ratio outside any meaningful range has been withheld (balance sheet total €3.32M, equity €147k).
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 · 2026 against 2025 · 57 lines
Balance sheet
Code20252026
Assets
Total assets20/58€2.94M€3.32M▲
Fixed assets21/28€393k€122k▼
Intangible fixed assets21€250k€0▼
Tangible fixed assets22/27€143k€122k▼
Plant, machinery and equipment23€137k€118k▼
Furniture and vehicles24€0-
Other tangible fixed assets26€5k€4k▼
Financial fixed assets28€100€150▲
Current assets29/58€2.55M€3.19M▲
Stocks and contracts in progress3€423k€490k▲
Stocks30/36€423k€490k▲
Amounts receivable within one year40/41€1.05M€1.27M▲
Trade receivables40€7k€3k▼
Other amounts receivable41€1.04M€1.27M▲
Cash at bank and in hand54/58€959k€1.39M▲
Deferred charges and accrued income490/1€116k€45k▼
Equity and liabilities
Total equity and liabilities10/49€2.94M€3.32M▲
Equity10/15€150k€147k▼
Contributions10/11€125k€125k=
Capital10€125k€125k=
Issued capital100€125k€125k=
Reserves13€13k€13k=
Non-distributable reserves130/1€13k€13k=
Legal reserve130€13k€13k=
Profit (loss) carried forward14€12k€9k▼
Amounts payable17/49€2.79M€3.17M▲
Amounts payable after more than one year17€42k€3k▼
Financial debts170/4€42k€3k▼
Amounts payable within one year42/48€2.75M€3.17M▲
Current portion of amounts payable after more than one year42€37k€39k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€1.25M€1.25M▲
Suppliers440/4€1.25M€1.25M▲
Taxes, remuneration and social security45€366k€402k▲
Taxes450/3€143k€157k▲
Remuneration and social security454/9€223k€245k▲
Other amounts payable47/48€1.10M€1.48M▲
Income statement
Code20252026
Remuneration, social security and pensions62€1.54M€1.41M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€306k€310k▲
Other operating charges640/8€5k€4k▼
Gross operating margin9900€3.00M€3.27M▲
Operating profit (loss)9901€1.14M€1.55M▲
Financial income75/76B€32k€34k▲
Recurring financial income75€32k€34k▲
Financial charges65/66B€69k€70k▲
Recurring financial charges65€69k€70k▲
Profit (loss) for the period before taxes9903€1.11M€1.51M▲
Income taxes67/77€6k€37k▲
Profit (loss) for the period9904€1.10M€1.47M▲
Profit (loss) for the period to be appropriated9905€1.10M€1.47M▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.11M€1.48M▲
Profit (loss) brought forward from the previous period14P€12k€12k▲
Profit to be distributed694/7€1.10M€1.48M▲
Return on contributions (dividend)694€120k€0▼
Directors or managers695€981k€1.48M▲
Social balance
Average headcount (FTE)908736.235.5▼
The notes to these accounts (21 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 2027, expected by
2026
07-08
State Gazette act
Reappointments: Peeters-Govers NV, Japeco BV and Matenau BVPermanent representatives: Glenn Geys, Jan Peeters and Wim Peeters · Appointments: Japeco BV, Matenau BV and BV VYVEY & C°, BEDRIJFSREVISOREN11 facts ▸
State Gazette act
Reappointments: Peeters-Govers NV, Japeco BV and Matenau BV
Permanent representatives: Glenn Geys, Jan Peeters and Wim Peeters · Appointments: Japeco BV, Matenau BV and BV VYVEY & C°, BEDRIJFSREVISOREN11 facts ▸
- General meeting, 16/06/2025
- Director reappointment, Peeters-Govers NV (director)
- Permanent representative, Glenn Geys
- Director reappointment, Japeco BV (director)
- Permanent representative, Jan Peeters
- Director reappointment, Matenau BV (director)
- Permanent representative, Wim Peeters
- Director appointment, Japeco BV (managing director)
- Director appointment, Matenau BV (managing director)
- General meeting, 12/01/2026
- Auditor appointment, BV VYVEY & C°, BEDRIJFSREVISOREN (statutory auditor)
29-07
NBB filing
Annual accounts filed
fiscal year 2026 · full schema
31-01
Financial
Highest result since 2019net €1.47M ▲33.7%
Operating result €1.55M, net result €1.47M, both a record.
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-01
Financial
Weakest financial yearnet €507k ▼33%
Net result drops to €507k, the lowest in the series; recovery starts the following year.
2022
08-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
16-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
03-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
under verification, no change since 2025
This board is reconstructed from a single act (26101965). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Japeco
CurrentDirector · since 16-06-2025 · Private limited company · perm. rep.: Jan Peeters
Matenau
CurrentDirector · since 16-06-2025 · Private limited company · perm. rep.: Wim Peeters
PEETERS-GOVERS
CurrentDirector · since 16-06-2025 · Public limited company · perm. rep.: Glenn Geys
16-06-2025
Japeco: Mandate renewed as Director
16-06-2025
Japeco: Appointed as Managing director
16-06-2025
Matenau: Mandate renewed as Director
16-06-2025
Matenau: Appointed as Managing director
16-06-2025
PEETERS-GOVERS: Mandate renewed as Director
Location & real-estate footprint
Registered office, Lille · 1 establishment unit since 2016
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.
Kloosterstraat 582275 LilleGround area
2.8 ha
Building footprint
1.1 ha
Volume, LiDAR
78,303 m³
2 parcels, Flanders · tallest building 9.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Albert Heijn Gierle
since 20162.249.229.070
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13009C0717/00X006 | Flanders | 1.9 ha | 1 · 8,638 m² | 9.6 m · 3 fl. |
| 13009C0717/00X005 | Flanders | 8,221 m² | 1 · 2,604 m² | 7.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Statutory auditor
1 auditor| VYVEY & C°, BEDRIJFSREVISORENCurrent Statutory auditor | 07-08-2026 → present |
Structure & network
Connections & network
5 connected companiesLinked via shared directors
Shared corporate director
→
Shared corporate director
→
Shared corporate director
→
Shared corporate director
→
Show 1 more companies with a shared director
Shared corporate director
→
Public money · subsidies and aid
Flemish government
2022 to 2025 · 7 entries · 24,023 EUR awarded · 24,023 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 3,019 EUR | 3,019 EUR |
| 2024 | 2 | 9,240 EUR | 9,240 EUR |
| 2023 | 1 | 6,090 EUR | 6,090 EUR |
| 2022 | 2 | 5,674 EUR | 5,674 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Premie kwalificerend werkplekleren
Stagebonus (stopgezet)
Recognitions · licences · registrations
Food safety, FASFC
1 site · 1 with a smileyLille2.249.229.070
Dual-learning approval
16 live approvals · 15 endedCommercieel assistent (vwo)
Commercieel assistent duaal (so)
Commerciële organisatie duaal (so)
Logistiek duaal (so)
Magazijnmedewerker (vwo)
Magazijnmedewerker duaal (so)
Show 10 more
Medewerker fastfood (vwo)
Medewerker fastfood duaal (so)
Onthaal, organisatie en sales duaal (so)
Polyvalent administratief ondersteuner (vwo)
Polyvalent administratief ondersteuner duaal (so)
Schoonmaker duaal (so)
Winkelmedewerker (vwo)
Winkelmedewerker (vwo)
Winkelmedewerker duaal (so)
Winkelmedewerker duaal (so)
Show 15 ended approvals
Aanvuller (so)
Administratief medewerker (so)
Administratief medewerker kmo (so)
Kassier (so)
Logistiek duaal (so)
Magazijnmedewerker (so)
Magazijnmedewerker (so)
Magazijnmedewerker (vwo)
Magazijnmedewerker duaal (so)
Verkoper (so)
Winkelbediende (so)
Aanvuller (so)
Kassier (so)
Verkoper (so)
Winkelbediende (so)
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Of 10,519 companies in sector 47110 we hold annual accounts for 5,857. 4,480 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 formPublic limited company
Founded17-11-2015
Fiscal year end31-01
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.