PETER GEENS
ActiveSummary
PETER GEENS has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €44k and a net result of €15k. Equity is shrinking by ~8% per year across the filed fiscal years. Its solvency ranks better than 52% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability90▲+90
Solvency74▲+11
Growth58=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.94 against 1.6 in 2024; short-term debt: 51.4% and cash: 6.9% of total assets), but 51.4% of the assets are financed with debt.
Credit advice 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
48.6%
Return on assets
17.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 9 filingsDeviation from the deadline
2025
27 d late
2024
21 d late
2023
7 d late
2022
40 d early
2021
29 d late
2020
20 d late
2019
14 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, micro schema
Equity
€44k▲ 54.7%
2024 · €28k
2018: €74k
2019: €85k
2020: €85k
2021: €87k
2022: €98k
2023: €62k
2024: €28k
2018 → 2025
Total assets
€90k▲ 20.3%
2024 · €75k
2018: €93k
2019: €112k
2020: €104k
2021: €114k
2022: €165k
2023: €94k
2024: €75k
2018 → 2025
Net result
€15k
2024 · €-34k
2018: €-42k
2019: €11k
2020: €-604
2021: €2k
2022: €36k
2023: €-36k
2024: €-34k
2018 → 2025
Working capital
€44k▲ 55.2%
2024 · €28k
2018: €70k
2019: €83k
2020: €82k
2021: €86k
2022: €98k
2023: €63k
2024: €28k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€87k-€98k▲ 13.1%€62k▼ 36.5%€28k▼ 54.9%€44k▲ 54.7%
Operating result€1k-€39k▲ 2,987%€-36k€-33k▲ 6.1%€15k
Net result€2k-€36k▲ 1,650%€-36k€-34k▲ 4.7%€15k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €15k after a loss of €33k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €90k
Equity
€44k ▲ 54.7%
Debt
€46k ▼ 0.6%
Debt's share of the balance-sheet total falls from 62.2% to 51.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€16k▲
2024 · €-33k
Cash flow
€16k▲
2024 · €-34k
Current ratio
1.94▲
2024 · 1.60
Quick ratio
1.00▼
2024 · 1.35
Debt to equity
1.06▼
2024 · 1.65
ROE
35.4%▲
2024 · -121.5%
ROA
17.2%▲
2024 · -45.9%
Interest coverage
178.18▲
2024 · -37.83
Debt ≤ 1 year
€46k▼
2024 · €46k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€75k€90k▲
Fixed assets21/28€91€0▼
Tangible fixed assets22/27€91€0▼
Land and buildings22€91€0▼
Plant, machinery and equipment23€0€0=
Furniture and vehicles24€0€0=
Current assets29/58€74k€90k▲
Stocks and contracts in progress3€12k€43k▲
Stocks30/36€12k€14k▲
Contracts in progress37-€29k
Amounts receivable within one year40/41€26k€32k▲
Trade receivables40€22k€29k▲
Other amounts receivable41€4k€3k▼
Cash at bank and in hand54/58€33k€6k▼
Deferred charges and accrued income490/1€4k€8k▲
Equity and liabilities
Total equity and liabilities10/49€75k€90k▲
Equity10/15€28k€44k▲
Contributions10/11€19k€19k=
Reserves13€48k€48k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€46k€46k=
Profit (loss) carried forward14€-39k€-23k▲
Amounts payable17/49€46k€46k▼
Amounts payable within one year42/48€46k€46k▼
Trade debts44€23k€18k▼
Suppliers440/4€23k€18k▼
Taxes, remuneration and social security45€15k€15k▼
Taxes450/3€4k€4k▼
Remuneration and social security454/9€10k€10k=
Other amounts payable47/48€8k€13k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€319€91▼
Other operating charges640/8€14k€11k▼
Gross operating margin9900€-19k€26k▲
Operating profit (loss)9901€-33k€15k▲
Financial income75/76B€29€1▼
Recurring financial income75€29€1▼
Financial charges65/66B€873€87▼
Recurring financial charges65€873€87▼
Profit (loss) for the period before taxes9903€-34k€15k▲
Profit (loss) for the period9904€-34k€15k▲
Profit (loss) for the period to be appropriated9905€-34k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-39k€-23k▲
Profit (loss) brought forward from the previous period14P€-5k€-39k▼
The notes to these accounts (4 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Back to profitnet €15k
Net result €15k after 2 loss-making years.
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
07-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 7 days late
2023
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €36k ▲1650%
Operating result €39k, net result €36k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 20 days late
2020
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
13-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 13 days late
2018
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Lommel · 1 establishment unit since 2003
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.
Weimortels 503920 LommelGround area
1,498 m²
Building footprint
153 m²
Volume, LiDAR
563 m³
Parcel 72342A0465/00L000, Flanders · tallest building 3.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
PETER GEENS
since 20032.134.739.277
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72342A0465/00L000 | Flanders | 1,498 m² | 1 · 153 m² | 3.9 m · 1 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.
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Of 9,530 companies in sector 43222 we hold annual accounts for 5,662. 4,411 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
Founded03-12-2003
Fiscal year end31-12
Activities, NACEBEL 2025
43222Installation of electric heating, air conditioning, cooling and ventilation
43221Plumbing work
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.