PH CONSULT
ActiveSummary
PH CONSULT has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €360,224 and a net result of €3,515. Equity is growing by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 90% of 103 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2026
Axes · tick = 2025
Profitability70▲+27
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25,000 at 30 days acceptable
Liquidity ample (current ratio 18.92 against 20.54 in 2025; short-term debt: 4.7% and cash: 2.4% of total assets), and 4.7% of the assets are financed with debt.
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Signals
Five 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 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% 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 2026Solvency, return and age of the figures
Solvency
95.3%
Return on assets
0.9%
Age of the figures
7 mo
neutral · Latest accounts filed on time
The financial year that closed on 28-02-2026 was due by 30-09-2026 and was filed on 07-07-2026, 85 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
85 d early
2025
34 d early
2024
97 d early
2023
80 d early
2022
52 d early
2021
65 d early
2020
33 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 64 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 28-02-2027 and is due by 30-09-2027. Nothing is late today. Usually files around 12 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today28-02-2027 close30-09-2027 deadline
History
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Financials · fiscal year 2026, micro schema
Equity
€360,224▲ 1.0%
2025 · €356,709
Total assets
€377,874▲ 1.6%
2025 · €372,096
Net result
€3,515▲ 222%
2025 · €1,090
Working capital
€316,358▲ 5.2%
2025 · €300,636
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20222023202420252026
Operating result€10,119▲ 23.4%€8,532▼ 15.7%-€7,309-€10,038▼ 37.3%-€7,752▲ 22.8%
Net result€17,643within the sector's middle half▲ 9.6%€16,738within the sector's middle half▼ 5.1%€3,364within the sector's middle half▼ 79.9%€1,090within the sector's middle half▼ 67.6%€3,515▲ 222%
Equity€335,517above the sector's middle half▲ 5.6%€352,255above the sector's middle half▲ 5.0%€355,619above the sector's middle half▲ 1.0%€356,709above the sector's middle half▲ 0.3%€360,224▲ 1.0%
Total assets€354,535within the sector's middle half▼ 4.4%€374,261within the sector's middle half▲ 5.6%€371,644above the sector's middle half▼ 0.7%€372,096within the sector's middle half▲ 0.1%€377,874▲ 1.6%
Debt€19,018▼ 64.0%€22,006▲ 15.7%€16,025▼ 27.2%€15,387▼ 4.0%€17,651▲ 14.7%
Working capital€312,218above the sector's middle half▲ 6.1%€329,893above the sector's middle half▲ 5.7%€287,339above the sector's middle half▼ 12.9%€300,636above the sector's middle half▲ 4.6%€316,358▲ 5.2%
Solvency94.6%above the sector's middle half▲ 8.9pp94.1%above the sector's middle half▼ 0.5pp95.7%above the sector's middle half▲ 1.6pp95.9%above the sector's middle half▲ 0.2pp95.3%▼ 0.5pp
Current ratio17.42above the sector's middle half▲ 10.8515.99above the sector's middle half▼ 1.4318.93above the sector's middle half▲ 2.9420.54above the sector's middle half▲ 1.6118.92▼ 1.61
Return on assets (ROA)5.0%within the sector's middle half▲ 0.6pp4.5%within the sector's middle half▼ 0.5pp0.9%within the sector's middle half▼ 3.6pp0.3%below the sector's middle half▼ 0.6pp0.9%▲ 0.6pp
above
within
below
the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, each year against the same schema; no band under 30 filings.
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 €7,752 in 2026 against €10,038 in 2025; the loss shrinks.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €377,874
Fixed assets
€43,866 ▼ 21.8%
Current assets
€334,008 ▲ 5.7%
Equity and liabilities €377,874
Equity
€360,224 ▲ 1.0%
Debt
€17,651 ▲ 14.7%
Debt's share of the balance-sheet total rises from 4.1% to 4.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€4,455▲
2025 · €2,169
Cash flow
€15,722▲
2025 · €13,297
Debt to equity
0.05▲
2025 · 0.04
ROE
1.0%▲
2025 · 0.3%
Interest coverage
6.61▲
2025 · 2.88
Debt ≤ 1 year
€17,651▲
2025 · €15,387
Income taxes
€2,915▲
2025 · €2,033
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,027 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 17,027 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,570 | €937 | €10,434 | €12,207 | €12,207 | = |
| Other operating charges640/8 | €1,600 | €1,871 | €7,840 | €2,121 | €1,868 | ▼ 12.0% |
| Gross operating margin9900 | €14,289 | €11,340 | €10,964 | €4,290 | €6,322 | ▲ 47.4% |
| Operating profit (loss)9901 | €10,119 | €8,532 | -€7,309 | -€10,038 | -€7,752 | ▲ 22.8% |
| Financial income75/76B | €14,444 | €15,130 | €13,642 | €13,914 | €14,856 | ▲ 6.8% |
| Recurring financial income75 | €14,444 | €15,130 | €13,642 | €13,914 | €14,856 | ▲ 6.8% |
| Financial charges65/66B | €715 | €537 | €644 | €754 | €674 | ▼ 10.6% |
| Recurring financial charges65 | €715 | €537 | €644 | €754 | €674 | ▼ 10.6% |
| Profit (loss) for the period before taxes9903 | €23,848 | €23,125 | €5,689 | €3,123 | €6,430 | ▲ 106% |
| Income taxes67/77 | €6,205 | €6,387 | €2,325 | €2,033 | €2,915 | ▲ 43.4% |
| Profit (loss) for the period9904 | €17,643 | €16,738 | €3,364 | €1,090 | €3,515 | ▲ 222% |
| Profit (loss) for the period to be appropriated9905 | €17,643 | €16,738 | €3,364 | €1,090 | €3,515 | ▲ 222% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €354,535 | €374,261 | €371,644 | €372,096 | €377,874 | ▲ 1.6% |
| Fixed assets21/28 | €23,299 | €22,362 | €68,280 | €56,073 | €43,866 | ▼ 21.8% |
| Tangible fixed assets22/27 | €23,299 | €22,362 | €68,280 | €56,073 | €43,866 | ▼ 21.8% |
| Furniture and vehicles24 | €23,299 | €22,362 | €68,280 | €56,073 | €43,866 | ▼ 21.8% |
| Current assets29/58 | €331,236 | €351,899 | €303,364 | €316,023 | €334,008 | ▲ 5.7% |
| Amounts receivable within one year40/41 | €326,638 | €337,896 | €289,908 | €303,471 | €322,827 | ▲ 6.4% |
| Trade receivables40 | €8,107 | €4,235 | €4,840 | - | - | - |
| Other amounts receivable41 | €318,531 | €333,661 | €285,068 | €303,471 | €322,827 | ▲ 6.4% |
| Cash at bank and in hand54/58 | €3,083 | €12,866 | €12,053 | €11,409 | €9,139 | ▼ 19.9% |
| Deferred charges and accrued income490/1 | €1,515 | €1,137 | €1,403 | €1,143 | €2,043 | ▲ 78.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €354,535 | €374,261 | €371,644 | €372,096 | €377,874 | ▲ 1.6% |
| Equity10/15 | €335,517 | €352,255 | €355,619 | €356,709 | €360,224 | ▲ 1.0% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Capital10 | €6,200 | €6,200 | - | - | - | - |
| Issued capital100 | €18,592 | €18,592 | - | - | - | - |
| Uncalled capital101 | €12,392 | €12,392 | - | - | - | - |
| Outside capital11 | - | - | €6,200 | - | - | - |
| Other1109/19 | - | - | €6,200 | - | - | - |
| Reserves13 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Non-distributable reserves130/1 | €1,859 | €1,859 | - | - | - | - |
| Legal reserve130 | €1,859 | €1,859 | - | - | - | - |
| Distributable reserves133 | - | - | €1,859 | €1,859 | €1,859 | = |
| Profit (loss) carried forward14 | €327,458 | €344,196 | €347,560 | €348,650 | €352,164 | ▲ 1.0% |
| Amounts payable17/49 | €19,018 | €22,006 | €16,025 | €15,387 | €17,651 | ▲ 14.7% |
| Amounts payable within one year42/48 | €19,018 | €22,006 | €16,025 | €15,387 | €17,651 | ▲ 14.7% |
| Trade debts44 | €124 | €8,799 | €10,562 | €10,160 | €11,436 | ▲ 12.6% |
| Suppliers440/4 | €124 | €8,799 | €10,562 | €10,160 | €11,436 | ▲ 12.6% |
| Taxes, remuneration and social security45 | €13,403 | €11,807 | €5,463 | €5,227 | €6,215 | ▲ 18.9% |
| Taxes450/3 | €13,403 | €11,807 | €5,463 | €5,227 | €6,215 | ▲ 18.9% |
| Other amounts payable47/48 | €5,491 | €1,400 | - | - | - | - |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €17,643 | €16,738 | €3,364 | €1,090 | €3,515 | ▲ 222% |
| + Depreciation and write-downs630 | €2,570 | €937 | €10,434 | €12,207 | €12,207 | = |
| Operating cash flow (approximation) | €20,214 | €17,675 | €13,797 | €13,297 | €15,722 | ▲ 18.2% |
| Investment in fixed assets (approximation) | - | €0 | -€56,351 | €0 | €0 | - |
| Change in cash | - | €9,783 | -€813 | -€643 | -€2,271 | ▼ 253% |
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 2027, expected by
2026
07-07
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
28-02
Financial
Weakest financial yearnet €1,090 ▼67.6%
Net result drops to €1,090, the lowest in the series; recovery starts the following year.
2024
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
09-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
28-02
Financial
Highest result since 2019net €17,643 ▲9.6%
Operating result €10,119, net result €17,643, both a record.
28-02
Financial
Liquidity triplescurrent ratio 17.42
Current ratio from 6.56 to 17.42; short-term debt falls from €52,873 to €19,018.
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
09-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
03-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
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, Ukkel · 1 establishment unit since 1995
Ground area
1,012 m²
Building footprint
149 m²
Volume, LiDAR
515 m³
Parcel 21612D0019/00P004, Brussels · tallest building 5.1 m, ±1 floor. Linked by address, not a title deed.
27
companies at this address
See who is registered here
1 establishment unit
PH CONSULT SPRLU
since 19952.073.973.133
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21612D0019/00P004 | Brussels | 1,012 m² | 1 · 149 m² | 5.1 m · 1 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 11,218 companies in sector 82100 we hold annual accounts for 3,516. 2,173 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
Founded27-09-1995
Fiscal year end28-02
Activities, NACEBEL 2025
82100Office administrative and support services
66199Other activities auxiliary to financial services, excluding insurance and pension funding
E-invoicing
Reachable via Peppol
Peppol ID
0208:0456091624
Also
9925:BE0456091624
Registered
18-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.