PETER DECKERS
ActiveSummary
PETER DECKERS has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.35M and a net result of €54k. Equity is growing by ~2.5% per year across the filed fiscal years. Its solvency ranks better than 75% of 7777 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability47▲+14
Solvency91▲+4
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €90k at 30 days acceptable
Liquidity ample (current ratio 3.62 against 3.25 in 2024; short-term debt: 27.1% and cash: 12% of total assets), and 34.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
65.7%
Return on assets
2.6%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 07-10-2025, 116 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
116 d early
2024
on the day
2023
1 d early
2022
on the day
2021
7 d late
2020
2 d early
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.35M▲ 4.2%
2024 · €1.30M
2019: €1.16M
2020: €1.19M
2021: €1.23M
2022: €1.26M
2023: €1.29M
2024: €1.30M
2019 → 2025
Total assets
€2.06M▼ 2.1%
2024 · €2.10M
2019: €2.32M
2020: €2.34M
2021: €2.29M
2022: €2.10M
2023: €2.01M
2024: €2.10M
2019 → 2025
Net result
€54k▲ 412%
2024 · €11k
2019: €22k
2020: €29k
2021: €40k
2022: €33k
2023: €26k
2024: €11k
2019 → 2025
Working capital
€1.46M▲ 3.0%
2024 · €1.42M
2019: €1.26M
2020: €1.30M
2021: €1.31M
2022: €1.30M
2023: €1.31M
2024: €1.42M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.23M-€1.26M▲ 2.7%€1.29M▲ 2.1%€1.30M▲ 0.8%€1.35M▲ 4.2%
Operating result€95k-€80k▼ 15.2%€75k▼ 6.3%€60k▼ 20.3%€106k▲ 76.2%
Net result€40k-€33k▼ 18.9%€26k▼ 19.9%€11k▼ 59.2%€54k▲ 412%
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 76% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.06M
Fixed assets
€39k ▼ 24.6%
Current assets
€2.02M ▼ 1.5%
Equity and liabilities €2.06M
Equity
€1.35M ▲ 4.2%
Provisions
€11k ▼ 43.7%
Debt
€696k ▼ 11.4%
Debt's share of the balance-sheet total falls from 37.3% to 33.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€118k▲
2024 · €73k
Cash flow
€67k▲
2024 · €23k
Current ratio
3.62▲
2024 · 3.25
Quick ratio
3.10▲
2024 · 2.87
Debt to equity
0.51▼
2024 · 0.61
ROE
4.0%▲
2024 · 0.8%
ROA
2.6%▲
2024 · 0.5%
Interest coverage
2.98▲
2024 · 1.59
Debt ≤ 1 year
€557k▼
2024 · €630k
Debt > 1 year
€126k▼
2024 · €155k
Income taxes
€20k▲
2024 · €13k
Staff costs
€1.20M▼
2024 · €1.22M
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€2.10M€2.06M▼
Fixed assets21/28€52k€39k▼
Tangible fixed assets22/27€34k€24k▼
Plant, machinery and equipment23€3k€4k▲
Furniture and vehicles24€32k€20k▼
Financial fixed assets28€18k€15k▼
Current assets29/58€2.05M€2.02M▼
Amounts receivable after more than one year29€900k€900k=
Other amounts receivable291€900k€900k=
Stocks and contracts in progress3€245k€290k▲
Stocks30/36€245k€290k▲
Amounts receivable within one year40/41€863k€584k▼
Trade receivables40€729k€475k▼
Other amounts receivable41€134k€109k▼
Cash at bank and in hand54/58€40k€247k▲
Deferred charges and accrued income490/1€3k-
Equity and liabilities
Total equity and liabilities10/49€2.10M€2.06M▼
Equity10/15€1.30M€1.35M▲
Contributions10/11€51k€51k=
Reserves13€1.25M€1.30M▲
Non-distributable reserves130/1€5k€5k=
Reserves not available under the articles1311€5k€5k=
Tax-exempt reserves132€39k€22k▼
Distributable reserves133€1.20M€1.27M▲
Provisions and deferred taxes16€20k€11k▼
Deferred taxes168€20k€11k▼
Amounts payable17/49€785k€696k▼
Amounts payable after more than one year17€155k€126k▼
Financial debts170/4€155k€126k▼
Amounts payable within one year42/48€630k€557k▼
Current portion of amounts payable after more than one year42€33k€29k▼
Financial debts43€270k€270k=
Credit institutions430/8€270k€270k=
Trade debts44€220k€196k▼
Suppliers440/4€220k€196k▼
Taxes, remuneration and social security45€73k€62k▼
Taxes450/3€6k€14k▲
Remuneration and social security454/9€67k€48k▼
Other amounts payable47/48€34k-
Accrued charges and deferred income492/3-€13k
Income statement
Code20242025
Remuneration, social security and pensions62€1.22M€1.20M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▲
Other operating charges640/8€3k€1k▼
Non-recurring operating charges66A€492€340▼
Gross operating margin9900€1.29M€1.32M▲
Operating profit (loss)9901€60k€106k▲
Financial income75/76B€66-
Recurring financial income75€66-
Financial charges65/66B€46k€40k▼
Recurring financial charges65€46k€40k▼
Profit (loss) for the period before taxes9903€14k€66k▲
Transfer from deferred taxes780€9k€9k=
Income taxes67/77€13k€20k▲
Profit (loss) for the period9904€11k€54k▲
Transfer from tax-exempt reserves789€17k€17k=
Profit (loss) for the period to be appropriated9905€28k€72k▲
Appropriation of the result
Profit (loss) to be appropriated9906€269k€72k▼
Profit (loss) brought forward from the previous period14P€241k-
Transfer to equity691/2€269k€72k▼
To other reserves6921€269k€72k▼
Social balance
Average headcount (FTE)908719.418.7▼
The notes to these accounts (11 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
2025
07-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
30-06
Financial
Highest result since 2019net €54k ▲412%
Operating result €106k, net result €54k, both a record.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Weakest financial yearnet €11k ▼59.2%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
07-02
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 7 days late
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-01
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.
Directors · office · real estate
Directors
9 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, Heist-op-den-Berg · 1 establishment unit since 1990
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.
Misweg 32220 Heist-op-den-BergGround area
2.0 ha
Building footprint
1.1 ha
Volume, LiDAR
60,182 m³
2 parcels, Flanders · tallest building 16.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Industriepark 4, 2220 Heist-op-den-Berg
since 19902.048.888.240
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12014K0756/00W000 | Flanders | 1.1 ha | 1 · 6,024 m² | 16.8 m · 2 fl. |
| 12014K0821/00S000 | Flanders | 9,177 m² | 1 · 5,436 m² | 8.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 · 4 entries · 2,755 EUR awarded · 3,575 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 2 | 1,000 EUR | 1,820 EUR |
| 2023 | 1 | 480 EUR | 480 EUR |
| 2022 | 1 | 1,275 EUR | 1,275 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Premie kwalificerend werkplekleren
Recognitions · licences · registrations
Recognised contractor
1 categoryPETER DECKERS BV43128
Dual-learning approval
2 live approvals · 3 endedDecoratie en schilderwerken duaal (so)
Schilder-decorateur (vwo)
Show 3 ended approvals
Behanger (so)
Schilder (so)
Schilder-decorateur (so)
Similar companies · same sector, comparable size
PARA INDUSTRIES
BE 0400.100.848
Gent · Eq €1.35M
H.V.S.
BE 0464.106.891
Hoogstraten · Eq €1.36M
IS Werken
BE 0421.968.707
Wommelgem · Eq €1.33M
MERTENS SCHILDERWERKEN
BE 0475.260.408
Wuustwezel · Eq €1.40M
SCHILDERWERKEN COOLS
BE 0877.810.606
Beveren-Kruibeke-Zwijndrecht · Eq €1.30M
Of 7,861 companies in sector 43341 we hold annual accounts for 2,663. 766 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 formPrivate limited company
Founded05-06-1990
Fiscal year end30-06
Activities, NACEBEL 2025
43341Painting of buildings
43333Wallpapering and laying of floor and wall coverings in other materials
47521Retail sale of hardware, building materials, paint and glass (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.