Equity
€2.0m ▲ 23.5%
PEPHIL has made a profit without a break since 2014.
PEPHIL
Lifetime
14 annual accounts with figures on one time axispeak €435,982 (2020)
€208,804▲ 90.3%
lowest -€21,450 (2013)
€6,443▼ 72.3%
peak €2.0m (2025)
€2.0m▲ 23.5%
€238,086▲ 445%
Board2 names since 2011
2 directorsPetra Devos and 1 other
Documentsfilings and deeds
21-04-20269 days before the deadline
Key points
from the 2025 annual accountsDebts
€238,086 ▲ 445%
Debts rose by €194,429 in 2025.
Investments
€1.7m 9.4 × depreciation
Green is investment, beige is depreciation. Land and buildings stand 107.2% higher than in 2024.
Liquidity
1.02 was 9.61 in 2024
Short-term debts rose from €43,267 to €226,140.
Filings
14 annual accounts since 2012
The last five annual accounts were filed 6 to 31 days before the end of the period.
Restructuring
2025
Branch taken over from PAMAR. Takeover on 01-01-2025.
Checked score
97
Excellent
Financially stronger than 74% of small companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 4,523 companies (NACE 70, small).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%lowest value
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026highest value
06-2026: < 0.1%● unchanged vs 05-2026highest value
07-2026: < 0.1%● unchanged vs 06-2026highest value
08-2026: < 0.1%● unchanged vs 07-2026highest value
09-2026: < 0.1%● unchanged vs 08-2026highest value
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Liquidity: current ratio 1.02, cash €120,954, halved
lowers risk
Size: total assets €2.3m
Sector: Activities of head offices; management consultancy activities (NACE 70)
Figures for financial year 2025 (filed on 21-04-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, small). It does better than 85% of them on solvency, 75% on liquidity, 56% on profitability and 78% on growth.
The bankruptcy probability was computed on 06-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-09-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,049 companies had the same profile as PEPHIL has now. Each dot stands for 16 companies, two years later.
96.0%
were still trading
3.6%
stopped another way
0.4%
went bankrupt
That fits the bankruptcy probability of PEPHIL itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,049 companies, not a prediction for PEPHIL. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €190,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.02 (9.61 in 2024), below the usual 1.5. Short-term debt is 9.9% and cash 5.3% of total assets. 10.4% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 21-04-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 days early
2024
28 days early
2023
6 days early
2022
27 days early
2021
31 days early
2020
29 days early
2019
28 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 23 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 3 April (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end07-11-2026 today30-04-2027 deadline
Board and ownership
- MEERT Philippe 11 sharesdeed of 23-09-2025
- DEVOS Petra 11 sharesdeed of 23-09-2025
Shares in 3 companies, including Viva Padel and PharmaNutrics
Board & ownershipRecent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0839091966
Demerger: PAMAR splits off to PEPHIL
Capital from €900,000 to €911,957.81 · “Het aanleggen, het oordeelkundig uitbouwen en beheren van een onroerende vermogen, alle verrichtingen met…” (deed in Dutch) · MEERT Philippe holds 11 shares · Gazette deed
Demerger proposal: PAMAR splits off to PEPHIL
Permanent representative: DEVOS Petra · MEERT Philippe holds 11 shares · DEVOS Petra holds 11 shares · Gazette deed
Amendment of the articles · Resignations & appointments
General meeting of 09-11-2023 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| PEPHIL Deerlijk | €2.3m | €208,804 | 89.6% | - |
| N.O.S. Projects Langemark-Poelkapelle | €2.4m | €227,175 | 85.9% | - |
| Eye4digits De Panne | €2.1m | €234,471 | 23.0% | - |
| WADO INVEST Beernem | €2.1m | €189,621 | 3.0% | - |
| MANAGEMENT COGGE Ostend | €2.3m | €185,190 | 81.7% | - |
| GOVIMMO Ledegem | €2.1m | €186,261 | 10.7% | 0 |
| P - Con Bredene | €2.2m | €230,760 | 64.3% | - |
These companies have the same main activity as PEPHIL: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €2.1m and €2.4m, founded between 2010 and 2013.
Official details
Source: KBO- Status
- Active since 10-08-2011Normal situation
- Activity
- Business and other management consultancyNACE 70200and 2 others
- Establishment unit
- 2.203.249.4868540 Deerlijk, since 10-08-2011
- Financial year end
- 30 September
- Peppol
- Reachable since 16-12-2025
Annual accounts to 30-09-2025
- ≈ €330,000estimated
- €2.3m▲ 34.3%
- Filing
- Filed on 21-04-2026, 9 days before the end of the filing period
Companies linked to PEPHIL
Subsidiaries and holdings
- EEVE2.07%
Insights on PEPHIL
PEPHIL files the abbreviated format. That format states no turnover. The gross margin rose from €205,113 in 2012 to €208,804 in 2025.
The balance sheet grew most from 2013 to 2015 through fixed assets.
In April 2023, the Official Gazette published the appointment of Petra Devos as managing director.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about PEPHIL
- What is the company number of PEPHIL?
- The company number of PEPHIL is 0839.091.966. The VAT number is the same number with BE in front: BE 0839.091.966.
- Where is PEPHIL based?
- The registered office is at Vichtestraat 169B, 8540 Deerlijk.Company details
- What does PEPHIL do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of PEPHIL?
- PEPHIL is a public limited company (NV).
- When was PEPHIL founded?
- PEPHIL was founded on 10-08-2011.
- Is PEPHIL still active?
- Yes, PEPHIL is an active enterprise in the KBO register.
- What is the turnover of PEPHIL?
- The turnover in financial year 2025 is ≈ €330,000. This figure is estimated from the gross margin of €208,804 and 93 comparable companies (NACE 70200). It probably lies between €270,000 and €440,000.Financials
- Is PEPHIL profitable?
- In financial year 2025, PEPHIL made a profit of €6,443.
- Where can I find the annual accounts of PEPHIL?
- PEPHIL filed 14 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of PEPHIL due?
- PEPHIL must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check See which support similar companies received that this one did not.Subsidies Compare this company with its sector.Sector benchmark
See how customers, suppliers and banks see your own company and what to improve first.