ATELIER PHI
ActiveATELIER PHI has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €55k and a net result of €14k. Equity is growing by ~42.9% per year across the filed fiscal years. Its solvency ranks better than 39% of 2008 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▼-9
Solvency62▲+6
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.43 against 1.08 in 2024; short-term debt: 62.6% and cash: 34.9% of total assets), and 62.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
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
37.4%
Return on assets
9.3%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-07-2026, 3 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
3 d early
2024
141 d early
2023
142 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€55k▲ 33.1%
2024 · €41k
2023: €19k
2024: €41k
2023 → 2025
Total assets
€147k▲ 10.4%
2024 · €133k
2023: €88k
2024: €133k
2023 → 2025
Net result
€14k▼ 37.4%
2024 · €22k
2023: €16k
2024: €22k
2023 → 2025
Working capital
€40k▲ 468%
2024 · €7k
2023: €-33k
2024: €7k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€19k-€41k▲ 112%€55k▲ 33.1%
Operating result€18k-€29k▲ 57.0%€19k▼ 33.7%
Net result€16k-€22k▲ 32.0%€14k▼ 37.4%
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 falls in 2025; 2025 is 34% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €147k
Fixed assets
€15k▼ 56.4%
Current assets
€132k▲ 33.5%
Equity and liabilities €147k
Equity
€55k▲ 33.1%
Debt
€92k▲ 0.3%
The debt ratio falls from 69.0% to 62.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€40k▼
2024 · €49k
Cash flow
€34k▼
2024 · €42k
Solvency
37.4%▲
2024 · 31.0%
Current ratio
1.43▲
2024 · 1.08
Quick ratio
1.43▲
2024 · 1.08
Debt / equity
1.68▼
2024 · 2.23
ROE
24.8%▼
2024 · 52.8%
ROA
9.3%▼
2024 · 16.4%
Interest coverage
387.89▼
2024 · 565.80
Debt
€92k▲
2024 · €92k
Debt ≤ 1 year
€92k▲
2024 · €92k
Income taxes
€5k▼
2024 · €7k
Staff costs
€78k▼
2024 · €81k
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€133k€147k▲
Fixed assets21/28€34k€15k▼
Intangible fixed assets21€600€400▼
Tangible fixed assets22/27€32k€13k▼
Plant, machinery and equipment23€830€554▼
Furniture and vehicles24€31k€12k▼
Financial fixed assets28€2k€2k▲
Current assets29/58€99k€132k▲
Amounts receivable within one year40/41€71k€78k▲
Trade receivables40€71k€78k▲
Cash at bank and in hand54/58€23k€51k▲
Deferred charges and accrued income490/1€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€133k€147k▲
Equity10/15€41k€55k▲
Contributions10/11€3k€3k=
Capital10€3k€3k=
Issued capital100€3k€3k=
Reserves13€38k€51k▲
Distributable reserves133€38k€51k▲
Profit (loss) carried forward14€263€903▲
Amounts payable17/49€92k€92k▲
Amounts payable within one year42/48€92k€92k▲
Trade debts44€2k€22k▲
Suppliers440/4€2k€22k▲
Taxes, remuneration and social security45€32k€19k▼
Taxes450/3€21k€7k▼
Remuneration and social security454/9€11k€12k▲
Other amounts payable47/48€58k€52k▼
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€71k€91k▲
Remuneration, social security and pensions62€81k€78k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€20k▲
Other operating charges640/8€485€551▲
Gross operating margin9900€130k€118k▼
Operating profit (loss)9901€29k€19k▼
Financial income75/76B-€76
Recurring financial income75-€76
Financial charges65/66B€87€102▲
Recurring financial charges65€87€102▲
Profit (loss) for the period before taxes9903€29k€19k▼
Income taxes67/77€7k€5k▼
Profit (loss) for the period9904€22k€14k▼
Profit (loss) for the period to be appropriated9905€22k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€22k€14k▼
Profit (loss) brought forward from the previous period14P€491€263▼
Transfer to equity691/2€22k€13k▼
To other reserves6921€22k€13k▼
The notes to these accounts (9 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €14k ▼37.4%
Net result drops to €14k, the lowest in the series.
12-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €22k ▲32%
Operating result €29k, net result €22k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.08
Current ratio from 0.51 to 1.08.
11-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
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, Sprimont · 3 establishment units since 2023
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.
Rue d'Esneux(DLX) 1024140 SprimontGround area
1,369 m²
Building footprint
886 m²
Volume, LiDAR
6,908 m³
3 parcels, Wallonia · tallest building 16.8 m, ±4 floors. Linked by address, not a title deed.
3 establishment units
ATELIER PHI
since 20232.341.161.316
ATELIER PHI
since 20232.341.161.415
ATELIER PHI
since 20232.341.161.514
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62002D0006/00K000 ProtectedMonument |
Wallonia | 965 m² | 1 · 427 m² | 16.8 m · 4 fl. |
| 62028B0554/00B000 | Wallonia | 264 m² | 1 · 364 m² | 7.7 m · 2 fl. |
| 63079A0031/00K011 | Wallonia | 140 m² | 1 · 94 m² | 12.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Plan2Build
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Stéphanie Vercauteren Architect
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Of 18,256 companies in sector 71111 we hold annual accounts for 6,321. 5,383 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-01-2023
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.