AGENTUUR PHILIP
ActiveSummary
The annual accounts of AGENTUUR PHILIP for fiscal year 2025 show a net loss of 66% of the equity at the start of that year. The 2025 annual accounts show equity of €20k and a net result of €-38k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 38% of 9194 sector peers (fiscal year 2025). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency44▼-17
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 2.93 against 1.52 in 2024; short-term debt: 33.2% and cash: 0.1% of total assets), but 81.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
18.9%
Return on assets
-36.6%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-38k
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 · 10 filingsDeviation from the deadline
2025
27 d late
2024
9 d early
2023
83 d late
2022
31 d late
2021
155 d late
2020
89 d late
2019
61 d late
← 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, abbreviated schema
Equity
€20k▼ 65.9%
2024 · €58k
2018: €20k
2019: €-22k
2020: €8k
2021: €46k
2022: €48k
2023: €102k
2024: €58k
2018 → 2025
Total assets
€104k▼ 34.5%
2024 · €160k
2018: €97k
2019: €46k
2020: €60k
2021: €102k
2022: €164k
2023: €152k
2024: €160k
2018 → 2025
Net result
€-38k▲ 13.9%
2024 · €-44k
2018: €-16k
2019: €-43k
2020: €30k
2021: €38k
2022: €2k
2023: €55k
2024: €-44k
2018 → 2025
Working capital
€67k▲ 26.7%
2024 · €53k
2018: €18k
2019: €-21k
2020: €9k
2021: €49k
2022: €41k
2023: €94k
2024: €53k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€46k-€48k▲ 3.7%€102k▲ 115%€58k▼ 43.4%€20k▼ 65.9%
Operating result€40k-€6k▼ 85.8%€78k▲ 1,284%€-36k€-36k▲ 0.4%
Net result€38k-€2k▼ 95.6%€55k▲ 3,164%€-44k€-38k▲ 13.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €36k in 2025 against €36k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €104k
Fixed assets
€3k ▼ 43.4%
Current assets
€101k ▼ 34.2%
Equity and liabilities €104k
Equity
€20k ▼ 65.9%
Debt
€85k ▼ 16.6%
Debt's share of the balance-sheet total rises from 63.6% to 81.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-34k▲
2024 · €-34k
Cash flow
€-36k▲
2024 · €-42k
Current ratio
2.93▲
2024 · 1.52
Debt to equity
4.28▲
2024 · 1.75
ROE
-193.3%▼
2024 · -76.6%
ROA
-36.6%▼
2024 · -27.9%
Interest coverage
-14.94▼
2024 · -4.05
Debt ≤ 1 year
€35k▼
2024 · €102k
Debt > 1 year
€50k
Income taxes
€0▼
2024 · €13
Staff costs
€0▼
2024 · €15k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€160k€104k▼
Fixed assets21/28€5k€3k▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€5k€3k▼
Plant, machinery and equipment23€220€0▼
Furniture and vehicles24€5k€3k▼
Financial fixed assets28€200€200=
Current assets29/58€154k€101k▼
Amounts receivable within one year40/41€154k€101k▼
Trade receivables40€100k€26k▼
Other amounts receivable41€54k€75k▲
Cash at bank and in hand54/58€566€145▼
Equity and liabilities
Total equity and liabilities10/49€160k€104k▼
Equity10/15€58k€20k▼
Contributions10/11€6k€6k=
Reserves13€52k€14k▼
Tax-exempt reserves132€12k€12k=
Distributable reserves133€40k€2k▼
Amounts payable17/49€102k€85k▼
Amounts payable after more than one year17-€50k
Financial debts170/4-€50k
Amounts payable within one year42/48€102k€35k▼
Trade debts44€63k€15k▼
Suppliers440/4€63k€15k▼
Taxes, remuneration and social security45€39k€0▼
Taxes450/3€39k€0▼
Remuneration and social security454/9€0-
Other amounts payable47/48-€20k
Income statement
Code20242025
Remuneration, social security and pensions62€15k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k=
Other operating charges640/8€2k€944▼
Non-recurring operating charges66A€710€0▼
Gross operating margin9900€-16k€-33k▼
Operating profit (loss)9901€-36k€-36k▲
Financial income75/76B€100€19▼
Recurring financial income75€100€19▼
Financial charges65/66B€8k€2k▼
Recurring financial charges65€8k€2k▼
Profit (loss) for the period before taxes9903€-44k€-38k▲
Income taxes67/77€13€0▼
Profit (loss) for the period9904€-44k€-38k▲
Profit (loss) for the period to be appropriated9905€-44k€-38k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-44k€-38k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2€44k€38k▼
Transfer to equity691/2€0-
To other reserves6921€0-
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (14 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 · abbreviated schema · 27 days late
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-44k ▼181%
Net result drops to €-44k, the lowest in the series; recovery starts the following year.
22-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 83 days late
2023
31-12
Financial
Highest result since 2018net €55k ▲3164%
Operating result €78k, net result €55k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.90
Current ratio from 1.37 to 2.90; short-term debt falls from €111k to €50k.
31-12
Financial
Equity above €100kEq €102k ▲115%
4 profitable years in a row build equity to €102k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
02-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 155 days late
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 89 days late
2020
31-12
Financial
Back to profitnet €30k
Net result €30k after 2 loss-making years.
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 61 days late
Show earlier events
2019
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
24-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 55 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 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, Aalst · 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.
Esplanadeplein 119300 AalstGround area
559 m²
Building footprint
359 m²
Volume, LiDAR
6,602 m³
Parcel 41302C0996/00F004, Flanders · tallest building 21.6 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
AGENTUUR PHILIP
since 20032.133.464.817
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41302C0996/00F004 | Flanders | 559 m² | 1 · 359 m² | 21.6 m · 6 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 2,790 EUR awarded · 3,033 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 0 EUR | 243 EUR |
| 2022 | 1 | 2,790 EUR | 2,790 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 3,768 companies in sector 68321 we hold annual accounts for 1,391. 685 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
Founded10-02-2003
Fiscal year end31-12
Activities, NACEBEL 2025
68321Property management for co-owned buildings (syndics)
68310Real estate agency activities
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.