P.H.C. SOLUTIONS
ActiveP.H.C. SOLUTIONS has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €242k and a net result of €-6k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 56% of 16989 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability17▼-3
Solvency91▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 21.72 against 24.9 in 2024; short-term debt: 4.6% and cash: 0.3% of total assets), and 34.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers 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 · 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 28-08-2026, 28 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
28 d late
2024
61 d late
2023
75 d late
2022
143 d late
2021
92 d late
2020
59 d late
2019
11 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€242k▼ 2.3%
2024 · €247k
2018: €235k
2019: €208k
2020: €219k
2021: €193k
2022: €220k
2023: €244k
2024: €247k
2018 → 2025
Total assets
€368k▼ 1.0%
2024 · €372k
2018: €374k
2019: €334k
2020: €357k
2021: €314k
2022: €347k
2023: €367k
2024: €372k
2018 → 2025
Net result
€-6k
2024 · €3k
2018: €-52k
2019: €-27k
2020: €11k
2021: €-26k
2022: €27k
2023: €25k
2024: €3k
2018 → 2025
Working capital
€349k▼ 1.4%
2024 · €354k
2018: €344k
2019: €319k
2020: €328k
2021: €302k
2022: €329k
2023: €354k
2024: €354k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€193k-€220k▲ 13.8%€244k▲ 11.2%€247k▲ 1.2%€242k▼ 2.3%
Operating result€-39k-€11k€11k▲ 2.4%€-11k€-21k▼ 91.8%
Net result€-26k-€27k€25k▼ 7.3%€3k▼ 87.8%€-6k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €21k in 2025 against €11k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €368k
Fixed assets
€3k▼ 24.3%
Current assets
€366k▼ 0.7%
Equity and liabilities €368k
Equity
€242k▼ 2.3%
Provisions
€110k=
Debt
€17k▲ 13.8%
The debt ratio rises from 4.0% to 4.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-20k▼
2024 · €-10k
Cash flow
€-5k▼
2024 · €4k
Solvency
65.6%▼
2024 · 66.5%
Current ratio
21.72▼
2024 · 24.90
Quick ratio
19.37▼
2024 · 24.90
Debt / equity
0.07▲
2024 · 0.06
ROE
-2.3%▼
2024 · 1.2%
ROA
-1.5%▼
2024 · 0.8%
Interest coverage
-74.41▼
2024 · -30.83
Debt
€17k▲
2024 · €15k
Debt ≤ 1 year
€17k▲
2024 · €15k
Income taxes
€0▼
2024 · €3k
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€372k€368k▼
Fixed assets21/28€3k€3k▼
Tangible fixed assets22/27€3k€3k▼
Plant, machinery and equipment23€3k€3k▼
Furniture and vehicles24€0-
Financial fixed assets28€74€74=
Current assets29/58€369k€366k▼
Amounts receivable after more than one year29€134k€134k=
Other amounts receivable291€134k€134k=
Stocks and contracts in progress3-€40k
Stocks30/36-€40k
Amounts receivable within one year40/41€226k€190k▼
Trade receivables40€16k€14k▼
Other amounts receivable41€210k€176k▼
Cash at bank and in hand54/58€8k€1k▼
Deferred charges and accrued income490/1€221€270▲
Equity and liabilities
Total equity and liabilities10/49€372k€368k▼
Equity10/15€247k€242k▼
Contributions10/11€19k€19k=
Reserves13€229k€223k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€35k€35k=
Distributable reserves133€192k€186k▼
Provisions and deferred taxes16€110k€110k=
Provisions for liabilities and charges160/5€110k€110k=
Pensions and similar obligations160€110k€110k=
Amounts payable17/49€15k€17k▲
Amounts payable within one year42/48€15k€17k▲
Trade debts44€7k€8k▲
Suppliers440/4€7k€8k▲
Taxes, remuneration and social security45€2k€3k▲
Taxes450/3€2k€3k▲
Other amounts payable47/48€6k€6k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€956€832▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€-8k€-17k▼
Operating profit (loss)9901€-11k€-21k▼
Financial income75/76B€17k€15k▼
Recurring financial income75€17k€15k▼
Financial charges65/66B€316€265▼
Recurring financial charges65€316€265▼
Profit (loss) for the period before taxes9903€6k€-6k▼
Income taxes67/77€3k€0▼
Profit (loss) for the period9904€3k€-6k▼
Profit (loss) for the period to be appropriated9905€3k€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€-6k▼
Transfer from equity791/2-€6k
Transfer to equity691/2€3k€0▼
To other reserves6921€3k€0▼
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
14-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 75 days late
2023
21-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 143 days late
2022
31-12
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
31-12
Financial
Equity above €200kEq €220k ▲13.8%
Equity rises from €193k to €220k.
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 92 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 29.45
Current ratio from 12.39 to 29.45; short-term debt falls from €29k to €11k.
28-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 59 days late
2020
31-12
Financial
Back to profitnet €11k
Net result €11k after 2 loss-making years.
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Schilde · 1 establishment unit since 2003
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.
Dennenlaan 22970 SchildeGround area
2,222 m²
Building footprint
184 m²
Volume, LiDAR
1,285 m³
Parcel 11039D0198/00N005, Flanders · tallest building 17.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
P.H.C. Solutions
since 20032.133.156.395
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11039D0198/00N005 | Flanders | 2,222 m² | 1 · 184 m² | 17.0 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
Amiko
BE 0893.815.309
Wuustwezel · Eq €242k
ANTON GEENENS CONSULTING
BE 0788.398.578
Gent · Eq €242k
AITIE
BE 0699.703.263
Tongeren-Borgloon · Eq €242k
Correlation
BE 0839.201.042
Hannut · Eq €242k
COMPUTING SYSTEM ENGINEERING
BE 0454.460.143
Montigny-le-Tilleul · Eq €242k
Of 29,995 companies in sector 62200 we hold annual accounts for 18,391. 14,285 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded15-07-2003
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
47400Retail sale of information and communication equipment
47410Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.