MAC PHIL
ActiveMAC PHIL has been active since 1976 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €264k and a net result of €-24k. Equity is shrinking by ~5.4% per year across the filed fiscal years. Its solvency ranks better than 81% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2024
57
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability11=
Solvency96▲+5
Growth32=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 3.37 against 2.87 in 2023; short-term debt: 29.2% and cash: 21.1% of total assets), and 29.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
70.8%
Return on assets
-6.3%
Age of the figures
21 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-24k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-10-2025, 68 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
not confirmed
2024
68 d late
2023
on the day
2022
23 d late
2021
17 d late
2020
31 d late
2019
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-24k▲ 15.1%
2023 · €-28k
2018: €-19k
2019: €17k
2020: €-96k
2021: €28k
2022: €-302
2023: €-28k
2018 → 2024
Working capital
€259k▼ 8.5%
2023 · €283k
2018: €368k
2019: €384k
2020: €288k
2021: €316k
2022: €309k
2023: €283k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€288k-€316k▲ 9.6%€316k▼ 0.1%€288k▼ 8.8%€264k▼ 8.2%
Operating result€-98k-€21k€2k▼ 90.7%€-27k€-19k▲ 29.3%
Net result€-96k-€28k€-302€-28k▼ 9,091%€-24k▲ 15.1%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €19k in 2024 against €27k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €373k
Fixed assets
€6k▲ 6.9%
Current assets
€368k▼ 15.2%
Equity and liabilities €373k
Equity
€264k▼ 8.2%
Debt
€109k▼ 27.8%
The debt ratio falls from 34.4% to 29.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-17k▲
2023 · €-26k
Cash flow
€-21k▲
2023 · €-26k
Solvency
70.8%▲
2023 · 65.6%
Current ratio
3.37▲
2023 · 2.87
Quick ratio
1.01=
2023 · 1.01
Debt / equity
0.41▼
2023 · 0.52
ROE
-8.9%▲
2023 · -9.6%
ROA
-6.3%▲
2023 · -6.3%
Interest coverage
-2.43▲
2023 · -5.97
Debt
€109k▼
2023 · €151k
Debt ≤ 1 year
€109k▼
2023 · €151k
Income taxes
€76▼
2023 · €365
Staff costs
€80k▲
2023 · €76k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€439k€373k▼
Fixed assets21/28€5k€6k▲
Tangible fixed assets22/27€5k€6k▲
Other tangible fixed assets26€5k€6k▲
Current assets29/58€434k€368k▼
Stocks and contracts in progress3€281k€258k▼
Stocks30/36€281k€258k▼
Amounts receivable within one year40/41€12€31k▲
Trade receivables40€0€31k▲
Other amounts receivable41€12€70▲
Cash at bank and in hand54/58€152k€79k▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€439k€373k▼
Equity10/15€288k€264k▼
Contributions10/11€124k€124k=
Reserves13€12k€12k=
Non-distributable reserves130/1€12k€12k=
Reserves not available under the articles1311€12k€12k=
Profit (loss) carried forward14€152k€128k▼
Amounts payable17/49€151k€109k▼
Amounts payable within one year42/48€151k€109k▼
Trade debts44€70k€52k▼
Suppliers440/4€70k€52k▼
Taxes, remuneration and social security45€41k€29k▼
Taxes450/3€28k€21k▼
Remuneration and social security454/9€13k€8k▼
Other amounts payable47/48€40k€28k▼
Income statement
Code20232024
Remuneration, social security and pensions62€76k€80k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€20k€21k▲
Gross operating margin9900€71k€83k▲
Operating profit (loss)9901€-27k€-19k▲
Financial income75/76B€4k€3k▼
Recurring financial income75€4k€3k▼
Financial charges65/66B€4k€7k▲
Recurring financial charges65€4k€7k▲
Profit (loss) for the period before taxes9903€-27k€-23k▲
Income taxes67/77€365€76▼
Profit (loss) for the period9904€-28k€-24k▲
Profit (loss) for the period to be appropriated9905€-28k€-24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€152k€128k▼
Profit (loss) brought forward from the previous period14P€179k€152k▼
Social balance
Average headcount (FTE)90871.6-
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
07-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 68 days late
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
17-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 17 days late
2021
31-12
Financial
Back to profitnet €28k
Net result €28k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-96k ▼672%
Net result drops to €-96k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
2019
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 22 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 29 days late
2016
19-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 19 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Sint-Lambrechts-Woluwe · 2 establishment units since 1977
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.
Stafhouder Braffortstraat 21200 Sint-Lambrechts-WoluweGround area
8,192 m²
Building footprint
3,085 m²
Volume, LiDAR
27,566 m³
Parcel 21673D0159/00K011, Brussels · tallest building 21.1 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Stafhouder Braffortstraat 2, 1200 Sint-Lambrechts-Woluwe
since 19772.014.191.538
Mac Phil Dames
since 20212.355.386.860
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21673D0159/00K011 | Brussels | 8,192 m² | 1 · 3,084 m² | 21.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
BALESSE
BE 0754.742.350
Zedelgem · Eq €264k
LENZ
BE 0719.418.316
Mol · Eq €265k
Werna Fashion
BE 0456.781.215
Diksmuide · Eq €264k
AXIS MUNDI
BE 0429.104.739
Elsene · Eq €264k
LES UNS ET LES AUTRES
BE 0861.690.392
Estaimpuis · Eq €265k
Of 6,503 companies in sector 47716 we hold annual accounts for 2,440. 1,689 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-11-1976
Fiscal year end31-12
Activities, NACEBEL
47712Retail trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
52421
52422
Sources
Crossroads Bank for EnterprisesNational Bank · 48 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.