peer+peper
Activepeer+peper has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €783k and a net result of €-44k. Equity is growing by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 60% of 9183 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability31▼-22
Solvency68▼-6
Growth52=
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity short (current ratio 0.5 against 0.46 in 2024; short-term debt: 34.1% and cash: 1% of total assets), and 56.8% of the assets are financed with debt.
Credit advice 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 · 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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 06-07-2026, 25 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
25 d early
2024
30 d early
2023
29 d early
2022
28 d early
2021
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€783k▼ 5.3%
2024 · €827k
2021: €450k
2022: €693k
2023: €720k
2024: €827k
2021 → 2025
Total assets
€1.81M▲ 6.8%
2024 · €1.70M
2021: €1.53M
2022: €1.54M
2023: €1.65M
2024: €1.70M
2021 → 2025
Net result
€-44k
2024 · €106k
2021: €435k
2022: €243k
2023: €28k
2024: €106k
2021 → 2025
Working capital
€-307k▼ 30.3%
2024 · €-235k
2021: €-300k
2022: €-57k
2023: €-30k
2024: €-235k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€450k-€693k▲ 53.9%€720k▲ 4.0%€827k▲ 14.7%€783k▼ 5.3%
Operating result€-30k-€46k€40k▼ 14.6%€47k▲ 18.2%€-25k
Net result€435k-€243k▼ 44.3%€28k▼ 88.6%€106k▲ 285%€-44k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €25k after €47k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.81M
Fixed assets
€1.50M=
Current assets
€311k▲ 58.3%
Equity and liabilities €1.81M
Equity
€783k▼ 5.3%
Debt
€1.03M▲ 18.2%
The debt ratio rises from 51.3% to 56.8%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
43.2%▼
2024 · 48.7%
Current ratio
0.50▲
2024 · 0.46
Quick ratio
0.10▲
2024 · 0.08
Debt / equity
1.31▲
2024 · 1.05
ROE
-5.6%▼
2024 · 12.9%
ROA
-2.4%▼
2024 · 6.3%
Debt
€1.03M▲
2024 · €870k
Debt ≤ 1 year
€618k▲
2024 · €432k
Debt > 1 year
€400k=
2024 · €400k
Income taxes
€0▼
2024 · €2k
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€1.70M€1.81M▲
Fixed assets21/28€1.50M€1.50M=
Financial fixed assets28€1.50M€1.50M=
Current assets29/58€197k€311k▲
Stocks and contracts in progress3€161k€250k▲
Stocks30/36€161k€250k▲
Amounts receivable within one year40/41€30k€43k▲
Trade receivables40€10k€0▼
Other amounts receivable41€20k€43k▲
Cash at bank and in hand54/58€6k€19k▲
Equity and liabilities
Total equity and liabilities10/49€1.70M€1.81M▲
Equity10/15€827k€783k▼
Contributions10/11€15k€15k=
Reserves13€812k€768k▼
Distributable reserves133€812k€768k▼
Amounts payable17/49€870k€1.03M▲
Amounts payable after more than one year17€400k€400k=
Financial debts170/4€400k€400k=
Amounts payable within one year42/48€432k€618k▲
Current portion of amounts payable after more than one year42€350k€0▼
Trade debts44€1k€20k▲
Suppliers440/4€1k€20k▲
Taxes, remuneration and social security45€0-
Taxes450/3€0-
Other amounts payable47/48€81k€598k▲
Accrued charges and deferred income492/3€38k€11k▼
Income statement
Code20242025
Other operating charges640/8€2k€2k▲
Gross operating margin9900€49k€-23k▼
Operating profit (loss)9901€47k€-25k▼
Financial income75/76B€100k€0▼
Recurring financial income75€100k€0▼
Financial charges65/66B€39k€19k▼
Recurring financial charges65€39k€19k▼
Profit (loss) for the period before taxes9903€108k€-44k▼
Income taxes67/77€2k€0▼
Profit (loss) for the period9904€106k€-44k▼
Profit (loss) for the period to be appropriated9905€106k€-44k▼
Appropriation of the result
Profit (loss) to be appropriated9906€106k€-44k▼
Transfer from equity791/2-€44k
Transfer to equity691/2€106k€0▼
To other reserves6921€106k€0▼
The notes to these accounts (12 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-44k ▼141%
Net result drops to €-44k, the lowest in the series.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €500kEq €693k ▲53.9%
2 profitable years in a row build equity to €693k.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Kasterlee · 1 establishment unit since 2020
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.
Poederleesteenweg 122460 KasterleeGround area
1,928 m²
Building footprint
125 m²
Volume, LiDAR
207 m³
Parcel 13018F0346/00P003, Flanders · tallest building 7.0 m. Linked by address, not a title deed.
1 establishment unit
peer+peper
since 20202.311.102.994
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13018F0346/00P003 | Flanders | 1,928 m² | 1 · 125 m² | 7.0 m |
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.
Similar companies · same sector, comparable size
CABOLI
BE 0648.879.025
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LT Projects
BE 0811.942.953
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R & J COOL
BE 0464.686.814
Dendermonde · Eq €771k
BVL ESTATE
BE 0699.965.856
Ukkel · Eq €769k
prisma project
BE 0423.890.592
Kortrijk · Eq €766k
Of 1,292 companies in sector 68122 we hold annual accounts for 901. 558 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-12-2020
Fiscal year end31-12
Activities, NACEBEL
68122Development of non-residential building projects
68121Development of residential building projects
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.