Financials
- Fiscal year
- 2024
- Total assets
- €91,406
- Profit
- €20,740
- Solvency
- 68.6%
Total assets▲ 49.7%
Net result
20232024
CO.PHI.CO
ActiveSummary
The computed 12-month bankruptcy probability of CO.PHI.CO is 1.5% (moderate). The 2024 annual accounts show equity of €62,678 and a net result of €20,740. Its solvency ranks better than 79% of 26069 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Retail sale of antiques
NACE 47791
1 site
Size
€91,406total assets 2024
- Equity
- €62,678
- Profit
- €20,740
Turnover not published (abridged schema)
Structure
Accounts 65 d overdue0 of 1 deed read
Why 66- Figures for FY 2024 (filed 01-10-2025)- 1 financial year not filed after the legal deadline; latest accounts 60 days late; 2 of the last 3 late- Founded in 2022+ Liquidity: current ratio 3.14, cash €54,316Show the evidence
Checked score
Score 2024
66
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 86% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2023
Strong
Solvency
94=
equity 68.6% of total assets
Liquidity
87=
short-term debt 31.4% · cash 59.4%
Profitability
97-3
return on assets 22.7%
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 3.1%
12-2024: 3.1%● 0.0% vs 11-2024
01-2025: 3.1%▼ -1.3% vs 12-2024
02-2025: 7.1%▲ +127% vs 01-2025highest value
03-2025: 7.0%▼ -1.2% vs 02-2025
04-2025: 7.0%● 0.0% vs 03-2025
05-2025: 1.5%▼ -78.1% vs 04-2025
06-2025: 1.5%▼ -3.1% vs 05-2025
07-2025: 1.5%▲ +2.3% vs 06-2025
08-2025: 2.2%▲ +42.9% vs 07-2025
09-2025: 2.5%▲ +13.8% vs 08-2025
10-2025: 3.7%▲ +48.6% vs 09-2025
11-2025: 0.7%▼ -81.4% vs 10-2025
12-2025: 0.7%● 0.0% vs 11-2025
01-2026: 0.7%▼ -1.5% vs 12-2025
02-2026: 0.7%● 0.0% vs 01-2026
03-2026: 0.5%▼ -24.0% vs 02-2026
04-2026: 0.5%▼ -3.9% vs 03-2026lowest value
05-2026: 0.5%▲ +2.0% vs 04-2026
06-2026: 0.5%▲ +3.8% vs 05-2026
07-2026: 0.5%● 0.0% vs 06-2026
08-2026: 0.8%▲ +62.2% vs 07-2026
09-2026: 1.0%▲ +15.0% vs 08-2026
10-2026: 1.5%▲ +59.2% vs 09-2026
- Liquidity: current ratio 3.14, cash €54,316 lowers the probability
- Figures for FY 2024 (filed 01-10-2025) raises the probability
- 1 financial year not filed after the legal deadline; latest accounts 60 days late; 2 of the last 3 late raises the probability
- Founded in 2022 raises the probability for this profile
Credit up to €4,000 at 30 days acceptable
Liquidity ample (current ratio 3.14 against 3.24 in 2023; short-term debt: 31.4% and cash: 59.4% of total assets), and 31.4% 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 47, micro). Better than this share of them on solvency 80%, liquidity 89%, profitability 90%, growth against the median 86%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. 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.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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 · 2 filingsDeviation from the deadline
2025
not confirmed
2024
60 d late
2023
245 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 153 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (1)
- Annual accounts filedfiscal year 2024 · micro…
- Annual accounts filedfiscal year 2023 · micro…
Key points
By topic
Timeline
- Events
- 2
- Since
- 2025
- 29-09-2025Annual accounts filed
- 02-04-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Retail sale of antiquesNACE 47791
- Founded
- 13-07-2022
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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