P&H Consult
ActiveSummary
P&H Consult has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €53k and a net result of €12k. Its solvency ranks better than 77% of 7031 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▼-9
Solvency100▲+5
Growth52
Track record94
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 4.89 against 2.96 in 2024; short-term debt: 19.2% and cash: 66.2% of total assets), and 19.6% 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+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
80.4%
Return on assets
17.9%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 19-12-2025, 43 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
43 d early
2024
54 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€53k▲ 28.5%
2024 · €41k
2024: €41k
2024 → 2025
Total assets
€66k▲ 11.9%
2024 · €59k
2024: €59k
2024 → 2025
Net result
€12k▼ 69.6%
2024 · €39k
2024: €39k
2024 → 2025
Working capital
€49k▲ 41.9%
2024 · €35k
2024: €35k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€41k-€53k▲ 28.5%
Operating result€53k-€16k▼ 70.2%
Net result€39k-€12k▼ 69.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 70% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €66k
Fixed assets
€4k▼ 36.8%
Current assets
€62k▲ 18.1%
Equity and liabilities €66k
Equity
€53k▲ 28.5%
Debt
€13k▼ 26.8%
The debt ratio falls from 30.0% to 19.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€18k▼
2024 · €56k
Cash flow
€14k▼
2024 · €42k
Solvency
80.4%▲
2024 · 70.0%
Current ratio
4.89▲
2024 · 2.96
Quick ratio
4.89▲
2024 · 2.96
Debt / equity
0.24▼
2024 · 0.43
ROE
22.2%▼
2024 · 93.9%
ROA
17.9%▼
2024 · 65.8%
Interest coverage
84.65▼
2024 · 250.54
Debt
€13k▼
2024 · €18k
Debt ≤ 1 year
€13k▼
2024 · €18k
Income taxes
€4k▼
2024 · €14k
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€59k€66k▲
Fixed assets21/28€7k€4k▼
Tangible fixed assets22/27€7k€4k▼
Plant, machinery and equipment23€2k€874▼
Furniture and vehicles24€5k€3k▼
Current assets29/58€52k€62k▲
Amounts receivable within one year40/41€12k€18k▲
Trade receivables40€12k€12k▲
Other amounts receivable41-€6k
Cash at bank and in hand54/58€40k€44k▲
Deferred charges and accrued income490/1€1k-
Equity and liabilities
Total equity and liabilities10/49€59k€66k▲
Equity10/15€41k€53k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€39k€51k▲
Amounts payable17/49€18k€13k▼
Amounts payable within one year42/48€18k€13k▼
Current portion of amounts payable after more than one year42€6k-
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€9k€6k▼
Taxes450/3€9k€6k▼
Other amounts payable47/48€877€2k▲
Accrued charges and deferred income492/3-€293
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€362€247▼
Gross operating margin9900€57k€18k▼
Operating profit (loss)9901€53k€16k▼
Financial charges65/66B€225€215▼
Recurring financial charges65€225€215▼
Profit (loss) for the period before taxes9903€53k€16k▼
Income taxes67/77€14k€4k▼
Profit (loss) for the period9904€39k€12k▼
Profit (loss) for the period to be appropriated9905€39k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€39k€51k▲
Profit (loss) brought forward from the previous period14P-€39k
The notes to these accounts (4 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
2025
19-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
26-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 54 days late
NBB filing
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, Tessenderlo-Ham · 1 establishment unit since 2023
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.
Robynsstraat 483945 Tessenderlo-HamGround area
481 m²
Building footprint
130 m²
Volume, LiDAR
4 m³
Parcel 71033B1631/00C000, Flanders · tallest building 0.9 m. Linked by address, not a title deed.
1 establishment unit
P&H Consult
since 20232.340.245.160
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71033B1631/00C000 | Flanders | 481 m² | 1 · 130 m² | 0.9 m |
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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 105 EUR awarded · 105 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 105 EUR | 105 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteTessenderlo-Ham2.340.245.160
Similar companies · same sector, comparable size
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HumanNova
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MR SOLUTION
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Of 13,421 companies in sector 73300 we hold annual accounts for 6,901. 5,515 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-01-2023
Fiscal year end30-06
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
70200Business and other management consultancy
70220Business consulting
73110Advertising agencies
73200Market research and public opinion polling
93199Other sports activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.