PETER VELDEMAN
ActiveSummary
PETER VELDEMAN has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €814k and a net result of €-178k. Equity is growing by ~9.5% per year across the filed fiscal years. Its solvency ranks better than 94% of 7750 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-79
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 14.08 against 12.63 in 2024; short-term debt: 4.8% and cash: 4.1% of total assets), and 4.9% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
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
95.1%
Return on assets
-20.7%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-03-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
30 d early
2023
7 d early
2022
30 d early
2021
31 d early
2020
11 d late
2019
24 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€814k▼ 22.1%
2024 · €1.05M
2018: €573k
2019: €626k
2020: €830k
2021: €810k
2022: €947k
2023: €1.20M
2024: €1.05M
2018 → 2025
Total assets
€856k▼ 22.9%
2024 · €1.11M
2018: €679k
2019: €845k
2020: €1.02M
2021: €940k
2022: €1.11M
2023: €1.30M
2024: €1.11M
2018 → 2025
Net result
€-178k
2024 · €87k
2018: €15k
2019: €93k
2020: €204k
2021: €189k
2022: €246k
2023: €264k
2024: €87k
2018 → 2025
Working capital
€542k▼ 28.2%
2024 · €755k
2018: €371k
2019: €386k
2020: €578k
2021: €526k
2022: €610k
2023: €877k
2024: €755k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€810k-€947k▲ 16.9%€1.20M▲ 26.5%€1.05M▼ 12.8%€814k▼ 22.1%
Operating result€274k-€353k▲ 29.2%€385k▲ 9.0%€125k▼ 67.5%€-176k
Net result€189k-€246k▲ 30.1%€264k▲ 7.0%€87k▼ 66.9%€-178k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €176k after €125k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €856k
Fixed assets
€273k ▼ 5.8%
Current assets
€583k ▼ 28.9%
Equity and liabilities €856k
Equity
€814k ▼ 22.1%
Debt
€42k ▼ 34.8%
Debt's share of the balance-sheet total falls from 5.8% to 4.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-119k▼
2024 · €183k
Cash flow
€-121k▼
2024 · €145k
Current ratio
14.08▲
2024 · 12.63
Debt to equity
0.05▼
2024 · 0.06
ROE
-21.8%▼
2024 · 8.4%
ROA
-20.7%▼
2024 · 7.9%
Interest coverage
-44.20▼
2024 · 77.52
Debt ≤ 1 year
€41k▼
2024 · €65k
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.11M€856k▼
Fixed assets21/28€290k€273k▼
Tangible fixed assets22/27€189k€172k▼
Land and buildings22€127k€97k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€57k€72k▲
Financial fixed assets28€101k€101k=
Current assets29/58€820k€583k▼
Amounts receivable after more than one year29€20k€20k=
Other amounts receivable291€20k€20k=
Amounts receivable within one year40/41€271k€166k▼
Trade receivables40€104k€48k▼
Other amounts receivable41€167k€118k▼
Current investments50/53€300k€300k=
Cash at bank and in hand54/58€228k€36k▼
Deferred charges and accrued income490/1€776€61k▲
Equity and liabilities
Total equity and liabilities10/49€1.11M€856k▼
Equity10/15€1.05M€814k▼
Contributions10/11€1k€1k=
Outside capital11€1k€1k=
Other1109/19€1k€1k=
Reserves13€1.04M€991k▼
Distributable reserves133€1.04M€991k▼
Profit (loss) carried forward14-€-178k
Amounts payable17/49€65k€42k▼
Amounts payable within one year42/48€65k€41k▼
Current portion of amounts payable after more than one year42€25k€17k▼
Trade debts44€8k€7k▼
Suppliers440/4€8k€7k▼
Taxes, remuneration and social security45€31k€16k▼
Taxes450/3€31k€16k▼
Other amounts payable47/48€389€413▲
Accrued charges and deferred income492/3-€889
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€58k€57k▼
Other operating charges640/8€4k€3k▼
Gross operating margin9900€187k€-115k▼
Operating profit (loss)9901€125k€-176k▼
Financial income75/76B€4k€619▼
Recurring financial income75€4k€619▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€127k€-178k▼
Income taxes67/77€40k-
Profit (loss) for the period9904€87k€-178k▼
Profit (loss) for the period to be appropriated9905€87k€-178k▼
Appropriation of the result
Profit (loss) to be appropriated9906€87k€-178k▼
Transfer from equity791/2€240k€53k▼
Transfer to equity691/2€87k-
To other reserves6921€87k-
Profit to be distributed694/7€240k€53k▼
Return on contributions (dividend)694€240k€53k▼
The notes to these accounts (8 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
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-178k
Net result drops to €-178k, the lowest in the series.
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Highest result since 2018net €264k ▲7%
Operating result €385k, net result €264k, both a record.
30-09
Financial
Liquidity doublescurrent ratio 9.93
Current ratio from 4.64 to 9.93; short-term debt falls from €168k to €98k.
30-09
Financial
Equity above €1MEq €1.20M ▲26.5%
6 profitable years in a row build equity to €1.20M.
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
11-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 11 days late
2020
06-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-04
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 4 acts read
About the unread acts
We know of 4 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
4 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, Sint-Martens-Latem · 1 establishment unit since 2009
Ground area
3,191 m²
Building footprint
256 m²
Volume, LiDAR
1,122 m³
Parcel 44064B0413/00F000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
PETER VELDEMAN
since 20092.176.949.521
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44064B0413/00F000 | Flanders | 3,191 m² | 1 · 256 m² | 8.6 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.
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Of 24,497 companies in sector 82990 we hold annual accounts for 9,402. 4,954 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
Founded22-12-2008
Fiscal year end30-09
Activities, NACEBEL 2025
82990Other business support services
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.