IT-PHI
ActiveIT-PHI has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €217k and a net result of €91k. Equity is growing by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 39% of 16809 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
91
/ 100
Excellent▼ -9 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency88▼-12
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity ample (current ratio 1.85 against 4.17 in 2024), but 53.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 62
Relative position
BE, all sectors
reference
Sector 62
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
46.5%
Return on assets
19.5%
Age of the figures
8 mo
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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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
19 d late
2024
18 d late
2023
12 d late
2022
30 d late
2021
11 d late
2020
33 d early
2019
107 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
09-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€217k▼ 24.4%
2024 · €287k
2018: €170k
2019: €148k
2020: €174k
2021: €236k
2022: €229k
2023: €245k
2024: €287k
2018 → 2025
Total assets
€466k▲ 24.1%
2024 · €375k
2018: €199k
2019: €222k
2020: €280k
2021: €248k
2022: €278k
2023: €280k
2024: €375k
2018 → 2025
Net result
€91k▲ 12.5%
2024 · €81k
2018: €20k
2019: €39k
2020: €67k
2021: €62k
2022: €33k
2023: €35k
2024: €81k
2018 → 2025
Working capital
€211k▼ 24.8%
2024 · €281k
2018: €170k
2019: €148k
2020: €169k
2021: €233k
2022: €224k
2023: €241k
2024: €281k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€236k-€229k▼ 2.6%€245k▲ 6.7%€287k▲ 17.1%€217k▼ 24.4%
Operating result€85k-€44k▼ 47.6%€51k▲ 14.3%€115k▲ 127%€128k▲ 10.7%
Net result€62k-€33k▼ 46.8%€35k▲ 7.7%€81k▲ 129%€91k▲ 12.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 11% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €466k
Fixed assets
€6k▼ 1.9%
Current assets
€460k▲ 24.6%
Equity and liabilities €466k
Equity
€217k▼ 24.4%
Debt
€249k▲ 181%
The debt ratio rises from 23.6% to 53.5%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€129k▲
2024 · €116k
Cash flow
€92k▲
2024 · €82k
Solvency
46.5%▼
2024 · 76.4%
Current ratio
1.85▼
2024 · 4.17
Quick ratio
1.85▼
2024 · 4.17
Debt / equity
1.15▲
2024 · 0.31
ROE
42.0%▲
2024 · 28.2%
ROA
19.5%▼
2024 · 21.5%
Interest coverage
98.34▲
2024 · 95.33
Debt
€249k▲
2024 · €89k
Debt ≤ 1 year
€249k▲
2024 · €89k
Income taxes
€39k▲
2024 · €35k
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€375k€466k▲
Fixed assets21/28€6k€6k▼
Tangible fixed assets22/27€6k€6k▼
Furniture and vehicles24€428€888▲
Other tangible fixed assets26€6k€5k▼
Current assets29/58€369k€460k▲
Amounts receivable after more than one year29€59k€62k▲
Other amounts receivable291€59k€62k▲
Amounts receivable within one year40/41€63k€129k▲
Trade receivables40€63k€127k▲
Other amounts receivable41-€3k
Current investments50/53€153k€203k▲
Cash at bank and in hand54/58€92k€62k▼
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€375k€466k▲
Equity10/15€287k€217k▼
Contributions10/11€6k€6k=
Reserves13€278k€208k▼
Distributable reserves133€278k€208k▼
Profit (loss) carried forward14€3k€3k=
Amounts payable17/49€89k€249k▲
Amounts payable within one year42/48€89k€249k▲
Trade debts44€3k€22k▲
Suppliers440/4€3k€22k▲
Taxes, remuneration and social security45€46k€66k▲
Taxes450/3€46k€66k▲
Other amounts payable47/48€39k€161k▲
Accrued charges and deferred income492/3-€235
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€494€766▲
Gross operating margin9900€117k€129k▲
Operating profit (loss)9901€115k€128k▲
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€4k▲
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€116k€130k▲
Income taxes67/77€35k€39k▲
Profit (loss) for the period9904€81k€91k▲
Profit (loss) for the period to be appropriated9905€81k€91k▲
Appropriation of the result
Profit (loss) to be appropriated9906€83k€94k▲
Profit (loss) brought forward from the previous period14P€2k€3k▲
Transfer from equity791/2€39k€161k▲
Transfer to equity691/2€81k€91k▲
To other reserves6921€81k€91k▲
Profit to be distributed694/7€39k€161k▲
Return on contributions (dividend)694€39k€161k▲
The notes to these accounts (8 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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
31-12
Financial
Highest result since 2018net €91k ▲12.5%
Operating result €128k, net result €91k, both a record.
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
11-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 11 days late
2021
31-12
Financial
Liquidity times 8current ratio 19.92
Current ratio from 2.59 to 19.92; short-term debt falls from €106k to €12k.
31-12
Financial
Equity above €200kEq €236k ▲35.4%
4 profitable years in a row build equity to €236k.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €174k ▲17.5%
3 profitable years in a row build equity to €174k.
15-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
05-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Chiny · 1 establishment unit since 2011
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.
Laneuville,Moyen 126810 ChinyGround area
2,997 m²
Building footprint
304 m²
Volume, LiDAR
2,030 m³
2 parcels, Wallonia · tallest building 9.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue du Bourzy, Assenois 1, 6860 Léglise
since 20112.205.506.123
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 84004C0485/00K000 | Wallonia | 1,811 m² | 1 · 153 m² | 7.1 m · 2 fl. |
| 85018A0760/00C002 | Wallonia | 1,186 m² | 1 · 151 m² | 9.2 m · 3 fl. |
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.
Similar companies · same sector, comparable size
REFRESH STORY
BE 0655.995.756
Overijse · Eq €217k
A STRANGE LOOP
BE 0843.748.164
Hasselt · Eq €217k
G2 SPEECH BELGIE
BE 0471.946.966
Leuven · Eq €217k
PRECISIONIX
BE 1009.855.617
Sint-Lambrechts-Woluwe · Eq €217k
Valmira Consulting
BE 0783.988.345
Enghien · Eq €217k
Of 16,798 companies in sector 62100 we hold annual accounts for 8,744. 6,472 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-12-2011
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
46190Agents in non-specialised wholesale trade
46500Wholesale of information and communication equipment
46510Wholesale trade
62020IT consultancy
62030Computer programming, consultancy and related activities
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 08-09-2026. Scores and ratios are computed by Checked and are not a credit decision.