KINE PEELMAN BERT
ActiveKINE PEELMAN BERT has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €316k and a net result of €79k. Equity is growing by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 27% of 19906 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
94
/ 100
Excellent▲ +3 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency84▲+11
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.79 against 1.65 in 2023), but 60.1% of the assets are financed with debt.
Credit advice 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 86
Relative position
BE, all sectors
reference
Sector 86
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-08-2025, 30 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 · 7 filingsDeviation from the deadline
2025
not confirmed
2024
30 d late
2023
26 d early
2022
4 d early
2021
30 d late
2020
30 d late
2019
35 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€316k▲ 6.5%
2023 · €297k
2018: €167k
2019: €209k
2020: €248k
2021: €275k
2022: €336k
2023: €297k
2018 → 2024
Total assets
€791k▲ 0.2%
2023 · €790k
2018: €182k
2019: €491k
2020: €733k
2021: €784k
2022: €835k
2023: €790k
2018 → 2024
Net result
€79k▲ 30.5%
2023 · €61k
2018: €50k
2019: €42k
2020: €39k
2021: €28k
2022: €61k
2023: €61k
2018 → 2024
Working capital
€82k▲ 110%
2023 · €39k
2018: €166k
2019: €119k
2020: €191k
2021: €105k
2022: €123k
2023: €39k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€248k-€275k▲ 11.1%€336k▲ 22.0%€297k▼ 11.7%€316k▲ 6.5%
Operating result€45k-€38k▼ 16.2%€77k▲ 102%€84k▲ 9.8%€108k▲ 28.2%
Net result€39k-€28k▼ 29.3%€61k▲ 120%€61k=€79k▲ 30.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 28% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €791k
Fixed assets
€665k▼ 4.0%
Current assets
€127k▲ 29.1%
Equity and liabilities €791k
Equity
€316k▲ 6.5%
Debt
€476k▼ 3.6%
The debt ratio falls from 62.5% to 60.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€142k▲
2023 · €114k
Cash flow
€113k▲
2023 · €91k
Solvency
39.9%▲
2023 · 37.5%
Current ratio
2.79▲
2023 · 1.65
Quick ratio
2.79▲
2023 · 1.65
Debt / equity
1.51▼
2023 · 1.66
ROE
25.1%▲
2023 · 20.4%
ROA
10.0%▲
2023 · 7.7%
Interest coverage
18.05▲
2023 · 13.65
Debt
€476k▼
2023 · €494k
Debt ≤ 1 year
€45k▼
2023 · €59k
Debt > 1 year
€397k▼
2023 · €419k
Income taxes
€22k▲
2023 · €15k
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€790k€791k▲
Fixed assets21/28€692k€665k▼
Tangible fixed assets22/27€692k€665k▼
Land and buildings22€669k€645k▼
Plant, machinery and equipment23€22k€19k▼
Furniture and vehicles24-€717
Current assets29/58€98k€127k▲
Amounts receivable within one year40/41€96k€86k▼
Trade receivables40€76k€70k▼
Other amounts receivable41€20k€16k▼
Cash at bank and in hand54/58€3k€41k▲
Equity and liabilities
Total equity and liabilities10/49€790k€791k▲
Equity10/15€297k€316k▲
Contributions10/11€20k€20k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€275k€294k▲
Amounts payable17/49€494k€476k▼
Amounts payable after more than one year17€419k€397k▼
Financial debts170/4€419k€397k▼
Amounts payable within one year42/48€59k€45k▼
Current portion of amounts payable after more than one year42€22k€22k▲
Trade debts44-€822
Suppliers440/4-€822
Taxes, remuneration and social security45€10k€8k▼
Taxes450/3€10k€8k▼
Other amounts payable47/48€27k€15k▼
Accrued charges and deferred income492/3€15k€33k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€34k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€116k€145k▲
Operating profit (loss)9901€84k€108k▲
Financial income75/76B€5€466▲
Recurring financial income75€5€466▲
Financial charges65/66B€8k€8k▼
Recurring financial charges65€8k€8k▼
Profit (loss) for the period before taxes9903€76k€101k▲
Income taxes67/77€15k€22k▲
Profit (loss) for the period9904€61k€79k▲
Profit (loss) for the period to be appropriated9905€61k€79k▲
Appropriation of the result
Profit (loss) to be appropriated9906€375k€354k▼
Profit (loss) brought forward from the previous period14P€314k€275k▼
Profit to be distributed694/7€100k€60k▼
Return on contributions (dividend)694€100k€60k▼
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
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Highest result since 2018net €79k ▲30.5%
Operating result €108k, net result €79k, both a record.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Weakest financial yearnet €28k ▼29.3%
Net result drops to €28k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Liquidity times 6current ratio 15.71
Current ratio from 2.59 to 15.71; short-term debt falls from €74k to €13k.
04-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 35 days late
2019
31-12
Financial
Equity above €200kEq €209k ▲25.1%
2 profitable years in a row build equity to €209k.
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 19 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Hamme (Vl.) · 1 establishment unit since 2013
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.
Kauterstraat 319220 Hamme (Vl.)Ground area
1,468 m²
Building footprint
135 m²
Volume, LiDAR
692 m³
Parcel 42014B0612/00Y000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KINE PEELMAN BERT
since 20132.222.006.021
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42014B0612/00Y000 | Flanders | 1,468 m² | 1 · 134 m² | 8.0 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 2024 · 2 entries · 930 EUR awarded · 930 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 441 EUR | 441 EUR |
| 2022 | 1 | 489 EUR | 489 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,688 companies in sector 86951 we hold annual accounts for 2,135. 1,374 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-04-2013
Fiscal year end31-12
Activities, NACEBEL
86905Human health activities
86951Physiotherapy
86909Human health activities
86995Nutrition and dietetics services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:peelmanbert@gmail.com
Phone:0479580945