IT PHONIC
ActiveSummary
IT PHONIC has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €86k and a net result of €34k. Equity is shrinking by ~14.7% per year across the filed fiscal years. Its solvency ranks better than 44% of 2699 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability76▼-8
Solvency64▲+12
Growth38=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 1.65 against 1.38 in 2024; short-term debt: 60.5% and cash: 34.6% of total assets), but 60.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six 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
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← 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
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
39.5%
Return on assets
15.5%
Age of the figures
9 mo
lowers risk · 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 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €86k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
29 d late
2023
28 d late
2022
120 d late
2021
61 d late
2020
92 d late
2019
133 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€398k▼ 12.8%
2023 · €456k
2019: €1.21Mhighest value
2020: €787k▼ -34.9% vs 2019
2021: €554k▼ -29.6% vs 2020
2022: €452k▼ -18.4% vs 2021
2023: €456k▲ +0.9% vs 2022
2025: €398klowest value
2019 → 2025
EBIT margin
10.1%▲ 12.9pp
2023 · -2.8%
2019: -0.5%
2020: 0.2%▲ +152% vs 2019
2021: -3.6%▼ -1594% vs 2020
2022: -14.9%▼ -313% vs 2021lowest value
2023: -2.8%▲ +81.2% vs 2022
2025: 10.1%highest value
2019 → 2025
Net result
€34k▲ 42.3%
2024 · €24k
2018: €17k
2019: €-5k▼ -128% vs 2018
2020: €-4k▲ +4.1% vs 2019
2021: €-23k▼ -410% vs 2020
2022: €-71k▼ -210% vs 2021lowest in 8 years
2023: €-18k▲ +74.8% vs 2022
2024: €24k▲ +233% vs 2023
2025: €34k▲ +42.3% vs 2024highest in 8 years
2018 → 2025
Working capital
€86k▲ 64.5%
2024 · €52k
2018: €202khighest in 8 years
2019: €201k▼ -0.6% vs 2018
2020: €125k▼ -38.1% vs 2019
2021: €115k▼ -8.0% vs 2020
2022: €46k▼ -59.9% vs 2021
2023: €28k▼ -38.6% vs 2022lowest in 8 years
2024: €52k▲ +84.9% vs 2023
2025: €86k▲ +64.5% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€554k-€452k▼ 18.4%€456k▲ 0.9%€398k
2021: €554khighest value
2022: €452k▼ -18.4% vs 2021
2023: €456k▲ +0.9% vs 2022
2025: €398klowest value
Equity€117k-€46k▼ 60.5%€28k▼ 38.5%€52k▲ 83.6%€86k▲ 64.8%
2021: €117khighest in 5 years
2022: €46k▼ -60.5% vs 2021
2023: €28k▼ -38.5% vs 2022lowest in 5 years
2024: €52k▲ +83.6% vs 2023
2025: €86k▲ +64.8% vs 2024
Operating result€-20k-€-67k▼ 237%€-13k▲ 81.0%€29k€40k▲ 36.4%
2021: €-20k
2022: €-67k▼ -237% vs 2021lowest in 5 years
2023: €-13k▲ +81.0% vs 2022
2024: €29k▲ +330% vs 2023
2025: €40k▲ +36.4% vs 2024highest in 5 years
Net result€-23k-€-71k▼ 210%€-18k▲ 74.8%€24k€34k▲ 42.3%
2021: €-23k
2022: €-71k▼ -210% vs 2021lowest in 5 years
2023: €-18k▲ +74.8% vs 2022
2024: €24k▲ +233% vs 2023
2025: €34k▲ +42.3% vs 2024highest in 5 years
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 36% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €218k
Fixed assets
€225 ▲ 351%
Current assets
€218k ▲ 14.3%
Equity and liabilities €218k
Equity
€86k ▲ 64.8%
Debt
€132k ▼ 4.7%
Debt's share of the balance-sheet total falls from 72.6% to 60.5%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
1.65▲
2024 · 1.38
Debt to equity
1.53▼
2024 · 2.65
ROE
39.3%▼
2024 · 45.5%
ROA
15.5%▲
2024 · 12.5%
Debt ≤ 1 year
€132k▼
2024 · €138k
Income taxes
€5k▲
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€191k€218k▲
Fixed assets21/28€50€225▲
Financial fixed assets28€50€225▲
Current assets29/58€191k€218k▲
Amounts receivable within one year40/41€131k€138k▲
Trade receivables40€131k€131k▲
Other amounts receivable41€543€8k▲
Cash at bank and in hand54/58€58k€75k▲
Deferred charges and accrued income490/1€1k€4k▲
Equity and liabilities
Total equity and liabilities10/49€191k€218k▲
Equity10/15€52k€86k▲
Contributions10/11€6k€6k=
Reserves13€51k€80k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€49k€78k▲
Profit (loss) carried forward14€-5k-
Amounts payable17/49€138k€132k▼
Amounts payable within one year42/48€138k€132k▼
Trade debts44€21k€5k▼
Suppliers440/4€21k€5k▼
Taxes, remuneration and social security45€16k€23k▲
Taxes450/3€16k€23k▲
Other amounts payable47/48€101k€104k▲
Income statement
Code20242025
Turnover70-€398k
Non-recurring operating income76A€7k-
Goods, raw materials, services and sundry goods60/61-€357k
Remuneration, social security and pensions62€27k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€173-
Other operating charges640/8€1k€1k▲
Gross operating margin9900€58k€42k▼
Operating profit (loss)9901€29k€40k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€26k€38k▲
Income taxes67/77€2k€5k▲
Profit (loss) for the period9904€24k€34k▲
Profit (loss) for the period to be appropriated9905€24k€34k▲
Appropriation of the result
Profit (loss) to be appropriated9906€19k€29k▲
Profit (loss) brought forward from the previous period14P€-5k€-5k=
Transfer to equity691/2€24k€29k▲
To the legal reserve6920€24k€29k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €554k | €452k | €456k | - | €398k | - |
| Non-recurring operating income76A | €19k | €11k | €7k | €7k | - | - |
| Goods, raw materials, services and sundry goods60/61 | €479k | €440k | €413k | - | €357k | - |
| Remuneration, social security and pensions62 | €107k | €94k | €75k | €27k | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4k | €2k | €339 | €173 | - | - |
| Other operating charges640/8 | €2k | €15k | €2k | €1k | €1k | ▲ 18.5% |
| Gross operating margin9900 | €94k | €43k | €65k | €58k | €42k | ▼ 28.4% |
| Operating profit (loss)9901 | €-20k | €-67k | €-13k | €29k | €40k | ▲ 36.4% |
| Financial income75/76B | - | €1 | €1 | - | - | - |
| Recurring financial income75 | - | €1 | €1 | - | - | - |
| Financial charges65/66B | €2k | €3k | €5k | €3k | €2k | ▼ 43.9% |
| Recurring financial charges65 | €2k | €3k | €5k | €3k | €2k | ▼ 43.9% |
| Profit (loss) for the period before taxes9903 | €-22k | €-70k | €-17k | €26k | €38k | ▲ 46.2% |
| Income taxes67/77 | €881 | €234 | €345 | €2k | €5k | ▲ 83.6% |
| Profit (loss) for the period9904 | €-23k | €-71k | €-18k | €24k | €34k | ▲ 42.3% |
| Profit (loss) for the period to be appropriated9905 | €-23k | €-71k | €-18k | €24k | €34k | ▲ 42.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €267k | €219k | €368k | €191k | €218k | ▲ 14.4% |
| Fixed assets21/28 | €2k | €563 | €223 | €50 | €225 | ▲ 351% |
| Tangible fixed assets22/27 | €2k | €513 | €173 | - | - | - |
| Land and buildings22 | €506 | €340 | €173 | - | - | - |
| Plant, machinery and equipment23 | €2k | €173 | - | - | - | - |
| Financial fixed assets28 | €50 | €50 | €50 | €50 | €225 | ▲ 351% |
| Current assets29/58 | €265k | €218k | €368k | €191k | €218k | ▲ 14.3% |
| Amounts receivable within one year40/41 | €257k | €207k | €327k | €131k | €138k | ▲ 5.6% |
| Trade receivables40 | €248k | €207k | €327k | €131k | €131k | ▲ 0.2% |
| Other amounts receivable41 | €9k | - | - | €543 | €8k | ▲ 1,306% |
| Cash at bank and in hand54/58 | €4k | €2k | €37k | €58k | €75k | ▲ 30.2% |
| Deferred charges and accrued income490/1 | €4k | €9k | €3k | €1k | €4k | ▲ 164% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €267k | €219k | €368k | €191k | €218k | ▲ 14.4% |
| Equity10/15 | €117k | €46k | €28k | €52k | €86k | ▲ 64.8% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €27k | €27k | €27k | €51k | €80k | ▲ 57.8% |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | €25k | €25k | €25k | €49k | €78k | ▲ 60.0% |
| Profit (loss) carried forward14 | €84k | €13k | €-5k | €-5k | - | - |
| Amounts payable17/49 | €150k | €173k | €340k | €138k | €132k | ▼ 4.7% |
| Amounts payable within one year42/48 | €150k | €172k | €340k | €138k | €132k | ▼ 4.7% |
| Financial debts43 | - | €11k | €67k | - | - | - |
| Credit institutions430/8 | - | €11k | €67k | - | - | - |
| Trade debts44 | €57k | €84k | €136k | €21k | €5k | ▼ 75.0% |
| Suppliers440/4 | €57k | €84k | €136k | €21k | €5k | ▼ 75.0% |
| Taxes, remuneration and social security45 | €26k | €14k | €34k | €16k | €23k | ▲ 39.7% |
| Taxes450/3 | €25k | €12k | €25k | €16k | €23k | ▲ 39.7% |
| Remuneration and social security454/9 | €1k | €2k | €9k | - | - | - |
| Other amounts payable47/48 | €67k | €63k | €102k | €101k | €104k | ▲ 2.8% |
| Accrued charges and deferred income492/3 | - | €243 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-23k | €-71k | €-18k | €24k | €34k | ▲ 42.3% |
| + Depreciation and write-downs630 | €4k | €2k | €339 | €173 | - | - |
| Operating cash flow (approximation) | €-18k | €-69k | €-17k | €24k | €34k | ▲ 41.3% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €-175 | - |
| Change in cash | - | €-2k | €35k | €21k | €17k | ▼ 15.7% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €34k ▲42.3%
Operating result €40k, net result €34k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €24k
Net result €24k after 5 loss-making years.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
28-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 120 days late
2022
31-12
Financial
Weakest financial yearnet €-71k
Net result drops to €-71k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 92 days late
2020
11-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 133 days late
2019
29-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 60 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 29 days late
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.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Ramillies · 1 establishment unit since 1999
Ground area
2,444 m²
Building footprint
205 m²
Volume, LiDAR
1,853 m³
Parcel 25030B0157/00L000, Wallonia · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Rue Saint-Nicolas 4, 1367 Ramillies
since 19992.090.214.990
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25030B0157/00L000 | Wallonia | 2,444 m² | 1 · 204 m² | 10.5 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,993 companies in sector 62200 we hold annual accounts for 18,396. 15,579 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded15-01-1999
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
46180Agents specialised in the wholesale of other particular products
Scores and ratios are computed by Checked and are not a credit decision.