Peter BETZ advocaat
ActivePeter BETZ advocaat has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €96k and a net result of €45k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 38% of 12642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▲+27
Solvency68▲+16
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.33 against 1.48 in 2024; short-term debt: 21.4% and cash: 21% of total assets), but 56.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 69
Relative position
BE, all sectors
reference
Sector 69
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
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
43.3%
Return on assets
20.3%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €96k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
27 d late
2023
30 d late
2022
8 d late
2021
2 d late
2020
82 d late
2019
29 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€96k▲ 88.3%
2024 · €51k
2018: €-2k
2019: €21k
2020: €-48k
2021: €5k
2022: €23k
2023: €47k
2024: €51k
2018 → 2025
Total assets
€221k▲ 18.9%
2024 · €186k
2018: €17k
2019: €37k
2020: €135k
2021: €178k
2022: €165k
2023: €212k
2024: €186k
2018 → 2025
Net result
€45k▲ 1,231%
2024 · €3k
2018: €6k
2019: €24k
2020: €-70k
2021: €53k
2022: €18k
2023: €43k
2024: €3k
2018 → 2025
Working capital
€63k▲ 179%
2024 · €23k
2018: €-4k
2019: €21k
2020: €-18k
2021: €28k
2022: €31k
2023: €40k
2024: €23k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5k-€23k▲ 388%€47k▲ 104%€51k▲ 7.1%€96k▲ 88.3%
Operating result€55k-€26k▼ 53.4%€65k▲ 151%€9k▼ 85.6%€71k▲ 664%
Net result€53k-€18k▼ 65.2%€43k▲ 131%€3k▼ 92.1%€45k▲ 1,231%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 664% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €221k
Fixed assets
€111k▼ 5.1%
Current assets
€110k▲ 59.5%
Equity and liabilities €221k
Equity
€96k▲ 88.3%
Debt
€125k▼ 7.3%
The debt ratio falls from 72.7% to 56.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€82k▲
2024 · €18k
Cash flow
€55k▲
2024 · €12k
Solvency
43.3%▲
2024 · 27.3%
Current ratio
2.33▲
2024 · 1.48
Quick ratio
2.33▲
2024 · 1.48
Debt / equity
1.31▼
2024 · 2.66
ROE
46.9%▲
2024 · 6.6%
ROA
20.3%▲
2024 · 1.8%
Interest coverage
28.85▲
2024 · 5.48
Debt
€125k▼
2024 · €135k
Debt ≤ 1 year
€47k▲
2024 · €46k
Debt > 1 year
€78k▼
2024 · €89k
Income taxes
€24k▲
2024 · €3k
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€186k€221k▲
Fixed assets21/28€117k€111k▼
Intangible fixed assets21€13k€11k▼
Tangible fixed assets22/27€104k€99k▼
Land and buildings22€98k€97k▼
Furniture and vehicles24€6k€3k▼
Financial fixed assets28€237€237=
Current assets29/58€69k€110k▲
Amounts receivable within one year40/41€28k€51k▲
Trade receivables40€17k€36k▲
Other amounts receivable41€10k€15k▲
Current investments50/53-€12k
Cash at bank and in hand54/58€40k€46k▲
Deferred charges and accrued income490/1€1k€809▼
Equity and liabilities
Total equity and liabilities10/49€186k€221k▲
Equity10/15€51k€96k▲
Reserves13€51k€96k▲
Distributable reserves133€51k€96k▲
Amounts payable17/49€135k€125k▼
Amounts payable after more than one year17€89k€78k▼
Financial debts170/4€89k€78k▼
Amounts payable within one year42/48€46k€47k▲
Current portion of amounts payable after more than one year42€14k€13k▼
Trade debts44€5k€4k▼
Suppliers440/4€5k€4k▼
Advances received on contracts in progress46€2k-
Taxes, remuneration and social security45€23k€31k▲
Taxes450/3€23k€31k▲
Other amounts payable47/48€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€10k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€20k€83k▲
Operating profit (loss)9901€9k€71k▲
Financial income75/76B-€10
Recurring financial income75-€10
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€6k€69k▲
Income taxes67/77€3k€24k▲
Profit (loss) for the period9904€3k€45k▲
Profit (loss) for the period to be appropriated9905€3k€45k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€45k▲
Transfer to equity691/2€3k€45k▲
To other reserves6921€3k€45k▲
The notes to these accounts (9 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
2022
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
31-12
Financial
Back to profitnet €53k
Net result €53k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.62
Current ratio from 0.58 to 1.62.
21-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 82 days late
2020
31-12
Financial
Weakest financial yearnet €-70k ▼393%
Net result drops to €-70k, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity triplescurrent ratio 2.44
Current ratio from 0.80 to 2.44; short-term debt falls from €19k to €15k.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
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, Kalmthout · 1 establishment unit since 2008
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.
Hertendreef (Heide) 52920 KalmthoutGround area
1,670 m²
Building footprint
277 m²
Parcel 11662E0592/00P027, Flanders. Linked by address, not a title deed.
1 establishment unit
Hertendreef (Heide) 5, 2920 Kalmthout
since 20082.311.398.152
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11662E0592/00P027 | Flanders | 1,670 m² | 1 · 277 m² | - |
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 · 1 entry · 40 EUR awarded · 40 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 40 EUR | 40 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 22,049 companies in sector 69101 we hold annual accounts for 9,048. 7,547 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-12-2008
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.