PETER VERCAUTEREN
ActivePETER VERCAUTEREN has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €44k and a net result of €11k. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 44% of 27559 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-4
Solvency67▼-27
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.54 against 2.62 in 2024; short-term debt: 58% and cash: 43.5% of total assets), but 58.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
41.9%
Return on assets
10.4%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
57 d early
2023
37 d early
2022
54 d early
2021
52 d early
2020
23 d early
2019
59 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€44k▼ 12.6%
2024 · €51k
2018: €40k
2019: €44k
2020: €45k
2021: €34k
2022: €40k
2023: €41k
2024: €51k
2018 → 2025
Total assets
€106k▲ 44.0%
2024 · €73k
2018: €100k
2019: €88k
2020: €101k
2021: €99k
2022: €99k
2023: €73k
2024: €73k
2018 → 2025
Net result
€11k▲ 10.3%
2024 · €10k
2018: €3k
2019: €4k
2020: €474
2021: €-11k
2022: €6k
2023: €535
2024: €10k
2018 → 2025
Working capital
€33k▼ 2.0%
2024 · €33k
2018: €27k
2019: €43k
2020: €29k
2021: €19k
2022: €14k
2023: €21k
2024: €33k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€34k-€40k▲ 17.5%€41k▲ 1.3%€51k▲ 24.6%€44k▼ 12.6%
Operating result€-11k-€11k€869▼ 92.0%€15k▲ 1,616%€20k▲ 32.9%
Net result€-11k-€6k€535▼ 91.0%€10k▲ 1,772%€11k▲ 10.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 33% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €106k
Fixed assets
€12k▼ 39.9%
Current assets
€94k▲ 74.0%
Equity and liabilities €106k
Equity
€44k▼ 12.6%
Debt
€62k▲ 170%
The debt ratio rises from 31.0% to 58.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€28k▲
2024 · €25k
Cash flow
€19k▼
2024 · €20k
Solvency
41.9%▼
2024 · 69.0%
Current ratio
1.54▼
2024 · 2.62
Quick ratio
1.54▼
2024 · 2.30
Debt / equity
1.39▲
2024 · 0.45
ROE
25.0%▲
2024 · 19.8%
ROA
10.4%▼
2024 · 13.6%
Interest coverage
97.99▲
2024 · 82.76
Debt
€62k▲
2024 · €23k
Debt ≤ 1 year
€61k▲
2024 · €21k
Debt > 1 year
€174▼
2024 · €2k
Income taxes
€9k▲
2024 · €5k
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€73k€106k▲
Fixed assets21/28€19k€12k▼
Tangible fixed assets22/27€19k€12k▼
Land and buildings22€4k€3k▼
Plant, machinery and equipment23€2k€936▼
Furniture and vehicles24€14k€7k▼
Current assets29/58€54k€94k▲
Stocks and contracts in progress3€7k-
Stocks30/36€482-
Contracts in progress37€6k-
Amounts receivable within one year40/41€20k€44k▲
Trade receivables40€18k€43k▲
Other amounts receivable41€2k€1k▼
Cash at bank and in hand54/58€24k€46k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€73k€106k▲
Equity10/15€51k€44k▼
Contributions10/11€25k€25k=
Reserves13€26k€19k▼
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Distributable reserves133€23k€17k▼
Amounts payable17/49€23k€62k▲
Amounts payable after more than one year17€2k€174▼
Financial debts170/4€2k€174▼
Amounts payable within one year42/48€21k€61k▲
Current portion of amounts payable after more than one year42€2k€2k▲
Trade debts44€12k€28k▲
Suppliers440/4€12k€28k▲
Taxes, remuneration and social security45-€12k
Taxes450/3-€12k
Other amounts payable47/48€6k€19k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€8k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€27k€29k▲
Operating profit (loss)9901€15k€20k▲
Financial income75/76B€32€409▲
Recurring financial income75€32€409▲
Financial charges65/66B€298€281▼
Recurring financial charges65€298€281▼
Profit (loss) for the period before taxes9903€15k€20k▲
Income taxes67/77€5k€9k▲
Profit (loss) for the period9904€10k€11k▲
Profit (loss) for the period to be appropriated9905€10k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€11k▲
Profit (loss) brought forward from the previous period14P€-4k-
Transfer from equity791/2-€17k
Transfer to equity691/2€6k€11k▲
To other reserves6921€6k€11k▲
Profit to be distributed694/7-€17k
Return on contributions (dividend)694-€17k
The notes to these accounts (7 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
31-12
Financial
Highest result since 2018net €11k ▲10.3%
Operating result €20k, net result €11k, both a record.
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-11k ▼2376%
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
02-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Berlaar · 1 establishment unit since 2006
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.
Lavendelstraat 82590 BerlaarGround area
745 m²
Building footprint
210 m²
Volume, LiDAR
793 m³
Parcel 12002A0403/00C000, Flanders · tallest building 6.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
PETER VERCAUTEREN
since 20062.157.566.545
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12002A0403/00C000 | Flanders | 745 m² | 1 · 210 m² | 6.1 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 746 companies in sector 43332 we hold annual accounts for 411. 328 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded13-11-2006
Fiscal year end31-12
Activities, NACEBEL
43332Laying of wooden floor and wall coverings
45432
43230Insulation installation
43291Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.