Age3 yrs
Real estate1 parcel · 2,417 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of Peer-to-Peer is 0.4% (very low). The 2024 annual accounts show equity of €113k and a net result of €50k. Its solvency ranks better than 59% of 12464 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Signals
1 signal · with evidenceConsistently profitable
Positive net result in the two most recent financial years (2023 and 2024).
View the result trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 14 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-06-2025, 41 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 20-06-2025 | 41 d early | 2025-00158212 |
| 31-12-2023 | 31-07-2024 | 18-06-2024 | 43 d early | 2024-00142435 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.4%
Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Young company
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
Turnover€228k
EBIT margin33.8%
Net result€50k-14.7%
Working capital€89k+302.7%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 20-06-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 70, Head offices & management consulting · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 67.3% | 60.6% | |
| Net result | €50k | €31k | |
| Equity | €113k | €63k | |
| Gross operating margin | €82k | €52k | |
| Total assets | €167k | €124k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€228k
-
23-24
€81k
-16.4%
23-24
€50k
-14.7%
23-24
€66k
-15.5%
23-24
€167k
+21.8%
23-24
€113k
+78.5%
23-24
€89k
+302.7%
23-24
€14k
-14.1%
23-24
€55k
-26.4%
23-24
€50k
-29.7%
23-24
2.77
+111.6%
23-24
2.77
+111.6%
23-24
67.3%
+46.6%
23-24
0.49
-58.8%
23-24
44.0%
-52.2%
23-24
29.6%
-30.0%
23-24
25.5%
-
23-24
42.5%
-
23-24
48.97
+60.2%
23-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €81k |
| Net profit | €50k |
| Cash flow | €66k |
| Staff costs | - |
| Income taxes | €14k |
| Dividends | - |
| Total assets | €167k |
| Equity | €113k |
| Debt | €55k |
| of which ≤ 1y | €50k |
| of which > 1y | - |
| Working capital | €89k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 2.77 |
| Quick ratio | 2.77 |
| Working capital ratio | 53.0% |
| Solvency | 67.3% |
| Debt / equity | 0.49 |
| Long-term debt ratio | - |
| Interest coverage | 48.97 |
| Gross margin | - |
| Net margin | - |
| ROA | 29.6% |
| ROE | 44.0% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €167k |
| Fixed assets | 21/28 | €29k |
| Tangible fixed assets | 22/27 | €29k |
| Current assets | 29/58 | €139k |
| Amounts receivable within one year | 40/41 | €37k |
| Cash & bank | 54/58 | €100k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €167k |
| Equity | 10/15 | €113k |
| Contributions / capital | 10/11 | €5k |
| Accumulated profits (losses) | 14 | €108k |
| Amounts payable | 17/49 | €55k |
| Amounts payable within one year | 42/48 | €50k |
| Trade debts payable within one year | 44 | €893 |
| Income statement | ||
| Gross operating margin | 9900 | €82k |
| Operating result | 9901 | €65k |
| Financial income | 75 | €36 |
| Financial charges | 65 | €2k |
| Result before taxes | 9903 | €63k |
| Income taxes | 67/77 | €14k |
| Net result for the period | 9904 | €50k |
| Result to be appropriated | 9905 | €50k |
You are seeing the latest fiscal year only. 1 prior year (figures + ratios) is in a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed93
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Oude Heirbaan 759620 ZottegemEstablishment units
1 locationPeer-to-Peer
since 20222.335.026.362
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area2,417 m²
Buildings1
Building footprint173 m²
Volume (LiDAR)912 m³
Tallest building7.9 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41035A0501/00C000 | Flanders | 2,417 m² | 1 · 173 m² | 7.9 m · 2 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
1 acts All acts · 1
updated 2 months ago
2026
10-06-2026 Act object
- Publication: 2026-06-10
- Act object: Ontslag en benoeming bestuurders + Herbenoeming van de commissaris
Summary:
Act object
Analysis
Snowflake analysis
financial profile on 5 axes88
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
93
Profitability
100
Solvency
100
Growth
52
Stability
94
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 15,428 of the 82,011 companies in this sector. 12,512 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220
Primary activity highlighted.
Names & trade names
| Legal nameNL | Peer-to-Peer |
Registered office
Oude Heirbaan 75
9620 Zottegem, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.