BOUWONDERNEMING PHILIPS

Active

Private limited companyfounded 201015 yrs activeBrugstraat (STG) 3, 9200 Dendermonde, BelgiumKBO/BCE: BE 0832.258.614

Summary

BOUWONDERNEMING PHILIPS has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €96,213 and a net result of €14,546. Equity is shrinking by ~5.6% per year across the filed fiscal years. Its solvency ranks better than 56% of 8200 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).

Risk analysisWatch Report Compare

BOUWONDERNEMING PHILIPSActiveChecked score 69/100

Risk analysis Report Compare

Activity

General construction of residential buildings

NACE 41001General construction of buildings NACE 41201

1 site

Size

€196,768total assets 2025

Staff: 0.4 FTE
Equity: €96,213
Profit: €14,546

Turnover not published (abridged schema)

Financial health

69 Healthy Checked score 2025

Bankruptcy chance 12 m: 0.8%

Structure

Accounts filed 29 d late0 of 3 deeds read

Why 69- 1 change of registered office in 24 months- Sector Construction of residential and non-residential buildings (NACE 41)- Size: total assets €196,768+ Figures for FY 2025 (filed 29-08-2026)Show the evidence

Checked score

Score 2025

69 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Better than 53% of its sector peers (NACE 41, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 74+2

equity 48.9% of total assets

Liquidity 39+14

short-term debt 51.1% · cash 11.6%

Profitability 78+1

return on assets 7.4%

Bankruptcy probability, 12 months

0.8% Low

0%0.5%1.5%4%10%≥ 25%

About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.6% (13,187 companies)

Last 24 months 11-2024: 0.2% 12-2024: 0.2%● 0.0% vs 11-2024 01-2025: 0.2%▼ -1.3% vs 12-2024lowest value 02-2025: 0.2%● 0.0% vs 01-2025lowest value 03-2025: 0.2%● 0.0% vs 02-2025lowest value 04-2025: 0.6%▲ +178% vs 03-2025 05-2025: 0.7%▲ +18.8% vs 04-2025 06-2025: 0.7%▼ -2.7% vs 05-2025 07-2025: 0.8%▲ +13.8% vs 06-2025 08-2025: 1.3%▲ +58.4% vs 07-2025 09-2025: 1.3%● 0.0% vs 08-2025 10-2025: 1.3%● 0.0% vs 09-2025 11-2025: 1.3%● 0.0% vs 10-2025 12-2025: 1.3%● 0.0% vs 11-2025 01-2026: 1.3%● 0.0% vs 12-2025 02-2026: 1.3%● 0.0% vs 01-2026 03-2026: 1.3%● 0.0% vs 02-2026 04-2026: 1.5%▲ +13.8% vs 03-2026 05-2026: 1.7%▲ +14.2% vs 04-2026 06-2026: 1.7%▲ +0.5% vs 05-2026 07-2026: 1.8%▲ +7.4% vs 06-2026 08-2026: 2.6%▲ +40.6% vs 07-2026highest value 09-2026: 0.8%▼ -69.8% vs 08-2026 10-2026: 0.8%● 0.0% vs 09-2026

1 change of registered office in 24 months raises the probability
Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
Figures for FY 2025 (filed 29-08-2026) lowers the probability
Size: total assets €196,768 raises the probability for this profile

Credit up to €6,000 at 30 days acceptable

Liquidity ample (current ratio 1.77 against 1.8 in 2024; short-term debt: 51.1% and cash: 11.6% of total assets), but 51.1% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 41, micro). Better than this share of them on solvency 57%, liquidity 35%, profitability 58%, growth against the median 61%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

1 change of registered office in 24 months

In the bankruptcy model this factor raises the probability.

Belgian State Gazette

Sector Construction of residential and non-residential buildings (NACE 41)

In the bankruptcy model this factor raises the probability.

KBO

Figures for FY 2025 (filed 29-08-2026)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Size: total assets €196,768

In the bankruptcy model this factor raises the probability for this profile.

NBB · annual accounts

Growing equity

Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.

NBB · annual accounts 2025

Equity per financial year

202122232425

2020 to 2025 · latest year €96,213

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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 · 6 filings

Deviation from the deadline

2025

29 d late

2024

31 d early

2023

29 d early

2022

30 d late

2021

23 d late

2020

23 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 8 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 23 August (4 of the last 5 filed years within 51 days of that day).

Companies Code · seven months

Position in the running window

03-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage