Liquidity
5.74 was 2.51 in 2024
Short-term debts fell from €16,137 to €7,915.
PH Sales & Trading
Lifetime
19 annual accounts with figures on one time axis, 27 filings since 1999Gross marginpeak €30,826 (2022)
€15,889▼ 40.0%
Resultlowest -€28,344 (2007)
-€354▼ €7,285
Equitypeak €52,856 (2024)
€52,502▼ 0.7%
Debts
€7,915▼ 54.0%
Staffpeak 0.7 FTE (2007)
-not published
Board2 names since 2023
1 directorVAN HOECKE Karin
Documentsfilings and deeds
30-08-202630 days late
2025micro format
Gross margin from €26,499 to €15,889Loss of €354Debts from €17,197 to €7,915
Key points
from the 2025 annual accountsFilings
27 annual accounts since 1999
Five of the last ten came late. The 2023 accounts came latest: 44 days after the end of the period.
Position in the sector
86.9%
Higher solvency than 87% of companies in wholesale trade. Sector median 40.5% · 13,779 companies.
Checked score
96
Excellent
Financially stronger than 68% of micro companies in wholesale trade (NACE 46)
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: 0.4% across 26,900 companies (NACE 46, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.4%
01-2025: 0.4%● unchanged vs 12-2024
02-2025: 0.4%● unchanged vs 01-2025
03-2025: 0.4%● unchanged vs 02-2025
04-2025: 0.4%● unchanged vs 03-2025
05-2025: 0.4%● unchanged vs 04-2025
06-2025: 0.4%● unchanged vs 05-2025
07-2025: 0.4%● unchanged vs 06-2025
08-2025: 0.6%▲ +0.2 percentage points vs 07-2025highest value
09-2025: 0.2%▼ -0.4 percentage points vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.3%▲ +0.1 percentage points vs 07-2026
09-2026: 0.1%▼ -0.2 percentage points vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 30 days late; 1 of the last 3 accounts late
lowers risk
Liquidity: current ratio 5.74, cash €31,535
Equity €52,502 (86.9% of total assets)
Founded in 1998
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 46, micro). It does better than 90% of them on solvency, 94% on liquidity, 50% on profitability and 38% on growth.
The bankruptcy probability was computed on 05-11-2026 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 31-12-2025.
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, 12,322 companies had the same profile as PH Sales & Trading has now. Each dot stands for 31 companies, two years later.
90.3%
were still trading
8.6%
stopped another way
0.7%
went bankrupt
Another 0.5% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of PH Sales & Trading 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 12,322 companies, not a prediction for PH Sales & Trading. 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 €5,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 5.74 (2.51 in 2024), above the usual 1.5. Short-term debt is 13.1% and cash 52.2% of total assets. 13.1% 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 risk
raises risk · 2025 accounts filed 30 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
30 days late
2024
28 days late
2023
44 days late
2022
31 days late
2021
6 days late
2020
95 days early
2019
29 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 2 days after the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 August (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
06-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0464053344
Change of role: HUYLEBROECK Peter, from manager to statutory director
Appointment: VAN HOECKE Karin (successor statutory director) · Director discharge: HUYLEBROECK Peter · General meeting of 10-07-2023 · Gazette deed
First establishment
ABITEX, Eksaardebaan 65, Lokeren
Incorporation
published on 10-09-1998 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| PH Sales & Trading Lokeren | €60,417 | €15,889 | 86.9% | - |
| ZAO Watermael-Boitsfort | €48,462 | €22,699 | 56.4% | - |
| HARMONT Binche | €97,418 | €17,940 | -5.4% | - |
| NEW VEKAMA Lebbeke | €117,908 | €13,160 | 81.7% | - |
| IMAGO TEXTIEL Hasselt | €95,392 | €27,730 | 68.4% | - |
| MADONNATEX Langemark-Poelkapelle | €80,115 | €10,367 | 55.6% | - |
| YEGA MODE Schaerbeek | €79,975 | €7,367 | 81.1% | - |
These companies have the same main activity as PH Sales & Trading: wholesale of household textiles and bedding (NACE 46412). They are comparable in size and age: total assets between €48,500 and €118,000, founded between 1996 and 2001.
Official details
Source: KBO- Status
- Active since 31-08-1998Normal situation
- Activity
- Wholesale of household textiles and beddingNACE 46412
- Establishment unit
- 2.088.378.5249160 Lokeren, since 14-09-1998
- Financial year end
- 31 December
- Peppol
- Reachable since 30-12-2025
Annual accounts 2025
- Turnover
- ≈ €160,000estimated
- Total assets
- €60,417▼ 13.8%
- Filing
- Filed on 30-08-2026
Insights on PH Sales & Trading
PH Sales & Trading files the micro format. That format states no turnover. The gross margin rose from -€8,937 in 2007 to €15,889 in 2025.
The balance sheet grew most from 2021 to 2022 through fixed assets.
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 PH Sales & Trading
- What is the company number of PH Sales & Trading?
- The company number of PH Sales & Trading is 0464.053.344. The VAT number is the same number with BE in front: BE 0464.053.344.
- Where is PH Sales & Trading based?
- The registered office is at Eksaardebaan 65, 9160 Lokeren.Company details
- What does PH Sales & Trading do?
- According to the KBO register, the main activity is wholesale of household textiles and bedding (NACE 46412).
- What is the legal form of PH Sales & Trading?
- PH Sales & Trading is a private limited company (BV).
- When was PH Sales & Trading founded?
- PH Sales & Trading was founded on 31-08-1998.
- Is PH Sales & Trading still active?
- Yes, PH Sales & Trading is an active enterprise in the KBO register.
- What is the turnover of PH Sales & Trading?
- The turnover in financial year 2025 is ≈ €160,000. This figure is estimated from the gross margin of €15,889 and 41 comparable companies (NACE 464). It probably lies between €80,000 and €640,000. It is a rough estimate.Financials
- Is PH Sales & Trading profitable?
- In financial year 2025, PH Sales & Trading made a loss of €354.
- Where can I find the annual accounts of PH Sales & Trading?
- PH Sales & Trading filed 27 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of PH Sales & Trading due?
- PH Sales & Trading must file the annual accounts for financial year 2026 by 31-07-2027.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 Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.