PEETERMANS
ActiveSummary
PEETERMANS has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.68M and a net result of €357k. Equity is growing by ~12.1% per year across the filed fiscal years. Its solvency ranks better than 38% of 8001 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+5
Solvency58▼-8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity tight (current ratio 1.26 against 1.4 in 2024; short-term debt: 66.7% and cash: 10.3% of total assets), and 66.8% 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
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
33.2%
Return on assets
7.1%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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 08-06-2026, 53 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
53 d early
2024
20 d early
2023
44 d early
2022
40 d early
2021
52 d early
2020
5 d early
2019
52 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.68M▲ 2.6%
2024 · €1.63M
2018: €802k
2019: €879k
2020: €1.05M
2021: €1.17M
2022: €1.28M
2023: €1.84M
2024: €1.63M
2018 → 2025
Total assets
€5.05M▲ 25.3%
2024 · €4.03M
2018: €1.80M
2019: €1.60M
2020: €2.03M
2021: €1.96M
2022: €3.80M
2023: €4.45M
2024: €4.03M
2018 → 2025
Net result
€357k▲ 133%
2024 · €153k
2018: €80k
2019: €77k
2020: €295k
2021: €120k
2022: €108k
2023: €554k
2024: €153k
2018 → 2025
Working capital
€874k▼ 8.3%
2024 · €953k
2018: €558k
2019: €682k
2020: €875k
2021: €902k
2022: €1.04M
2023: €1.46M
2024: €953k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.17M-€1.28M▲ 9.2%€1.84M▲ 43.2%€1.63M▼ 11.0%€1.68M▲ 2.6%
Operating result€163k-€174k▲ 6.7%€748k▲ 329%€243k▼ 67.5%€396k▲ 62.9%
Net result€120k-€108k▼ 9.8%€554k▲ 411%€153k▼ 72.4%€357k▲ 133%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 63% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.05M
Fixed assets
€806k ▲ 17.8%
Current assets
€4.25M ▲ 26.8%
Equity and liabilities €5.05M
Equity
€1.68M ▲ 2.6%
Debt
€3.37M ▲ 40.8%
Debt's share of the balance-sheet total rises from 59.5% to 66.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€551k▲
2024 · €386k
Cash flow
€512k▲
2024 · €296k
Current ratio
1.26▼
2024 · 1.40
Quick ratio
1.21▼
2024 · 1.33
Debt to equity
2.01▲
2024 · 1.47
ROE
21.3%▲
2024 · 9.4%
ROA
7.1%▲
2024 · 3.8%
Interest coverage
92.13▼
2024 · 113.77
Debt ≤ 1 year
€3.37M▲
2024 · €2.39M
Income taxes
€155k▲
2024 · €92k
Staff costs
€522k▲
2024 · €455k
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 · 2025 against 2024 · 61 lines
Balance sheet
Code20242025
Assets
Total assets20/58€4.03M€5.05M▲
Fixed assets21/28€684k€806k▲
Intangible fixed assets21€251k€196k▼
Tangible fixed assets22/27€430k€356k▼
Land and buildings22€96k€79k▼
Plant, machinery and equipment23€32k€47k▲
Furniture and vehicles24€302k€230k▼
Financial fixed assets28€3k€253k▲
Current assets29/58€3.35M€4.25M▲
Amounts receivable after more than one year29-€200k
Other amounts receivable291-€200k
Stocks and contracts in progress3€164k€175k▲
Stocks30/36€164k€175k▲
Amounts receivable within one year40/41€2.55M€3.28M▲
Trade receivables40€2.47M€3.25M▲
Other amounts receivable41€74k€30k▼
Current investments50/53€300k€6k▼
Cash at bank and in hand54/58€311k€519k▲
Deferred charges and accrued income490/1€25k€67k▲
Equity and liabilities
Total equity and liabilities10/49€4.03M€5.05M▲
Equity10/15€1.63M€1.68M▲
Contributions10/11€235k€235k=
Capital10€235k€235k=
Issued capital100€235k€235k=
Reserves13€1.40M€1.44M▲
Non-distributable reserves130/1€24k€24k=
Legal reserve130€24k€24k=
Tax-exempt reserves132€328k€228k▼
Distributable reserves133€1.05M€1.19M▲
Amounts payable17/49€2.40M€3.37M▲
Amounts payable within one year42/48€2.39M€3.37M▲
Current portion of amounts payable after more than one year42€84k-
Trade debts44€2.13M€2.82M▲
Suppliers440/4€2.13M€2.82M▲
Taxes, remuneration and social security45€99k€173k▲
Taxes450/3€34k€95k▲
Remuneration and social security454/9€65k€78k▲
Other amounts payable47/48€77k€378k▲
Accrued charges and deferred income492/3€3k€3k=
Income statement
Code20242025
Non-recurring operating income76A-€7k
Remuneration, social security and pensions62€455k€522k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€143k€155k▲
Other operating charges640/8€86k€59k▼
Gross operating margin9900€926k€1.13M▲
Operating profit (loss)9901€243k€396k▲
Financial income75/76B€6k€122k▲
Recurring financial income75€6k€122k▲
Financial charges65/66B€3k€6k▲
Recurring financial charges65€3k€6k▲
Profit (loss) for the period before taxes9903€245k€512k▲
Income taxes67/77€92k€155k▲
Profit (loss) for the period9904€153k€357k▲
Transfer from tax-exempt reserves789€144k€100k▼
Profit (loss) for the period to be appropriated9905€297k€457k▲
Appropriation of the result
Profit (loss) to be appropriated9906€297k€457k▲
Transfer from equity791/2€354k€314k▼
Transfer to equity691/2€297k€457k▲
To other reserves6921€297k€457k▲
Profit to be distributed694/7€354k€314k▼
Return on contributions (dividend)694€354k€314k▼
Social balance
Average headcount (FTE)90878.08.0=
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
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €554k ▲411%
Operating result €748k, net result €554k, both a record.
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €1MEq €1.05M ▲19.8%
3 profitable years in a row build equity to €1.05M.
09-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €77k ▼4%
Net result drops to €77k, the lowest in the series; recovery starts the following year.
04-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
09-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
8 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, Herselt · 1 establishment unit since 1984
Ground area
2,735 m²
Building footprint
190 m²
Volume, LiDAR
963 m³
Parcel 13392M0620/00F000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PEETERMANS
since 19842.023.604.595
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13392M0620/00F000 | Flanders | 2,735 m² | 1 · 190 m² | 8.2 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 · 3 entries · 1,695 EUR awarded · 1,375 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 1,440 EUR | 1,120 EUR |
| 2023 | 1 | 0 EUR | 255 EUR |
| 2022 | 1 | 255 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteHerselt2.023.604.595
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Algemene Zuivel Frank Geiregat
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EUROFIT
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Of 392 companies in sector 46331 we hold annual accounts for 228. 157 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
Founded29-12-1983
Fiscal year end31-12
Activities, NACEBEL 2025
46331Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 42 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:info@zuivelhoeve.be
Phone:014/544514
Fax:014/544591