e-Phila
Activee-Phila has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €13k and a net result of €4k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 34% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▲+69
Solvency41▲+10
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 2.05 against 1.25 in 2024; short-term debt: 38.3% and cash: 18.8% of total assets), but 84% 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 47
Relative position
BE, all sectors
reference
Sector 47
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
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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
31 d early
2023
14 d early
2022
32 d late
2021
31 d late
2020
31 d late
2019
12 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€178k
EBIT margin
3.5%
Net result
€4k
2024 · €-39k
2018: €-5k
2019: €14k
2020: €7k
2021: €14k
2022: €-4k
2023: €7k
2024: €-39k
2018 → 2025
Working capital
€33k▲ 16.7%
2024 · €28k
2018: €9k
2019: €21k
2020: €90k
2021: €78k
2022: €72k
2023: €85k
2024: €28k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€178k
Equity€45k-€40k▼ 9.9%€49k▲ 21.0%€10k▼ 80.2%€13k▲ 36.2%
Operating result€28k-€2k▼ 94.3%€13k▲ 694%€-38k€6k
Net result€14k-€-4k€7k€-39k€4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €6k after a loss of €38k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €82k
Fixed assets
€18k▼ 33.8%
Current assets
€65k▼ 54.1%
Equity and liabilities €82k
Equity
€13k▲ 36.2%
Debt
€69k▼ 56.2%
The debt ratio falls from 94.3% to 84.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€17k▲
2024 · €-27k
Cash flow
€15k▲
2024 · €-28k
Solvency
16.0%▲
2024 · 5.7%
Current ratio
2.05▲
2024 · 1.25
Quick ratio
1.41▲
2024 · 0.98
Debt / equity
5.27▼
2024 · 16.39
ROE
27.7%▲
2024 · -405.2%
ROA
4.4%▲
2024 · -23.3%
Interest coverage
7.00▲
2024 · -20.39
Debt
€69k▼
2024 · €158k
Debt ≤ 1 year
€31k▼
2024 · €112k
Debt > 1 year
€38k▼
2024 · €45k
Income taxes
€141
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€167k€82k▼
Fixed assets21/28€27k€18k▼
Tangible fixed assets22/27€26k€17k▼
Plant, machinery and equipment23-€2k
Furniture and vehicles24€19k€9k▼
Other tangible fixed assets26€7k€6k▼
Financial fixed assets28€272€272=
Current assets29/58€141k€65k▼
Stocks and contracts in progress3€30k€20k▼
Stocks30/36€30k€20k▼
Amounts receivable within one year40/41€102k€28k▼
Trade receivables40€81k€6k▼
Other amounts receivable41€21k€21k▼
Cash at bank and in hand54/58€7k€15k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€167k€82k▼
Equity10/15€10k€13k▲
Contributions10/11€19k€19k=
Reserves13€22k€22k=
Distributable reserves133€22k€22k=
Profit (loss) carried forward14€-31k€-28k▲
Amounts payable17/49€158k€69k▼
Amounts payable after more than one year17€45k€38k▼
Financial debts170/4€45k€38k▼
Amounts payable within one year42/48€112k€31k▼
Current portion of amounts payable after more than one year42€17k€14k▼
Trade debts44€35k€11k▼
Suppliers440/4€35k€11k▼
Advances received on contracts in progress46€55k€4k▼
Taxes, remuneration and social security45€6k€3k▼
Taxes450/3€6k€3k▼
Income statement
Code20242025
Turnover70-€178k
Non-recurring operating income76A€4k€0▼
Goods, raw materials, services and sundry goods60/61-€165k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€30k€0▼
Other operating charges640/8€1k€853▼
Gross operating margin9900€4k€18k▲
Operating profit (loss)9901€-38k€6k▲
Financial income75/76B€1€30▲
Recurring financial income75€1€30▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€-39k€4k▲
Income taxes67/77-€141
Profit (loss) for the period9904€-39k€4k▲
Profit (loss) for the period to be appropriated9905€-39k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-31k€-28k▲
Profit (loss) brought forward from the previous period14P€8k€-31k▼
The notes to these accounts (11 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-39k ▼630%
Net result drops to €-39k, the lowest in the series; recovery starts the following year.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €14k ▲98.1%
Net result €14k, the highest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Liquidity times 7current ratio 8.65
Current ratio from 1.20 to 8.65; short-term debt falls from €109k to €12k.
12-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 12 days late
2019
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Gerpinnes · 1 establishment unit since 2015
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 du Trieu Gilson(JON) 16280 GerpinnesGround area
2,532 m²
Building footprint
561 m²
Volume, LiDAR
5,027 m³
2 parcels, Wallonia · tallest building 16.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
e-Phila
since 20152.238.227.587
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53053D0025/00T083 | Wallonia | 2,489 m² | 1 · 413 m² | 16.1 m · 4 fl. |
| 52033A0113/00L000 | Wallonia | 43 m² | 1 · 148 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Toolsmate
BE 0767.946.723
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KATMANDO
BE 0444.718.670
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Urbn Livng
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Of 12,959 companies in sector 47120 we hold annual accounts for 2,190. 1,298 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-01-2015
Fiscal year end31-12
Activities, NACEBEL
47120Other non-specialised retail sale
47910Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.