Summary
PHACTS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €92,265 and a net result of €14,214. Equity is growing by ~12.7% per year across the filed fiscal years. Its solvency ranks better than 81% of 2460 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 05-02-2026, 84 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
84 d early
2024
86 d early
2023
88 d early
2022
86 d early
2021
54 d early
2020
32 d early
2019
66 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 71 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€92,265▲ 18.2%
2024 · €78,051
Net result
€14,214▼ 33.3%
2024 · €21,321
Total assets
€110,600▼ 61.1%
2024 · €284,033
Solvency
83.4%▲ 55.9pp
2024 · 27.5%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€113,541▲ 32.0%€30,920▼ 72.8%-€9,367€22,793€21,868▼ 4.1%
Net result€83,682▲ 47.8%€20,256▼ 75.8%-€11,358€21,321€14,214▼ 33.3%
Equity€164,844▲ 103%€191,424▲ 16.1%€186,142▼ 2.8%€78,051▼ 58.1%€92,265▲ 18.2%
Total assets€287,813▲ 3.2%€300,668▲ 4.5%€314,025▲ 4.4%€284,033▼ 9.6%€110,600▼ 61.1%
Debt€122,968▼ 37.8%€109,245▼ 11.2%€127,882▲ 17.1%€205,982▲ 61.1%€18,335▼ 91.1%
Working capital€161,337▲ 114%€186,446▲ 15.6%€182,115▼ 2.3%€76,818▼ 57.8%€91,039▲ 18.5%
Solvency57.3%▲ 28.2pp63.7%▲ 6.4pp59.3%▼ 4.4pp27.5%▼ 31.8pp83.4%▲ 55.9pp
Staff (FTE)1.5=1.5=1.5=1.5=1.1▼ 26.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Why a figure moved sharply
- 2025 Total assets -61% on 2024. Cause not known from the registers.
- 2024 Equity -58% on 2023. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €110,600
Fixed assets
€1,226 ▼ 0.5%
Current assets
€109,374 ▼ 61.3%
Equity and liabilities €110,600
Equity
€92,265 ▲ 18.2%
Debt
€18,335 ▼ 91.1%
Debt's share of the balance-sheet total falls from 72.5% to 16.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
15.4%▼
2024 · 27.3%
ROA
12.9%▲
2024 · 7.5%
Debt ≤ 1 year
€18,335▼
2024 · €205,982
Income taxes
€6,685▼
2024 · €7,936
Staff costs
€122,978▼
2024 · €164,306
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €137,841 | €155,569 | €164,306 | €122,978 | ▼ 25.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,488 | €3,033 | €3,500 | €2,515 | €1,027 | ▼ 59.2% |
| Other operating charges640/8 | - | €141 | €498 | €562 | €547 | ▼ 2.8% |
| Non-recurring operating charges66A | - | - | - | €571 | - | - |
| Gross operating margin9900 | €250,585 | €171,936 | €150,200 | €190,748 | €146,419 | ▼ 23.2% |
| Operating profit (loss)9901 | €113,541 | €30,920 | -€9,367 | €22,793 | €21,868 | ▼ 4.1% |
| Financial income75/76B | - | €1 | €114 | €8,253 | €1,014 | ▼ 87.7% |
| Recurring financial income75 | €696 | €1 | €114 | €8,253 | €1,014 | ▼ 87.7% |
| Financial charges65/66B | - | €1,806 | €1,903 | €1,789 | €1,984 | ▲ 10.9% |
| Recurring financial charges65 | €935 | €1,806 | €1,903 | €1,789 | €1,984 | ▲ 10.9% |
| Profit (loss) for the period before taxes9903 | €113,303 | €29,115 | -€11,156 | €29,257 | €20,899 | ▼ 28.6% |
| Income taxes67/77 | €29,621 | €8,860 | €201 | €7,936 | €6,685 | ▼ 15.8% |
| Profit (loss) for the period9904 | €83,682 | €20,256 | -€11,358 | €21,321 | €14,214 | ▼ 33.3% |
| Profit (loss) for the period to be appropriated9905 | €83,682 | €20,256 | -€11,358 | €21,321 | €14,214 | ▼ 33.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €287,813 | €300,668 | €314,025 | €284,033 | €110,600 | ▼ 61.1% |
| Fixed assets21/28 | €3,855 | €4,978 | €4,027 | €1,233 | €1,226 | ▼ 0.5% |
| Tangible fixed assets22/27 | €3,855 | €4,978 | €4,027 | €1,233 | €1,226 | ▼ 0.5% |
| Furniture and vehicles24 | - | €4,009 | €4,027 | €1,233 | €1,226 | ▼ 0.5% |
| Other tangible fixed assets26 | - | €969 | - | - | - | - |
| Current assets29/58 | €283,958 | €295,691 | €309,998 | €282,800 | €109,374 | ▼ 61.3% |
| Amounts receivable within one year40/41 | €97,197 | €101,051 | €101,953 | €43,352 | €17,270 | ▼ 60.2% |
| Trade receivables40 | - | €76,719 | €80,720 | €31,195 | €10,705 | ▼ 65.7% |
| Other amounts receivable41 | - | €24,332 | €21,233 | €12,157 | €6,565 | ▼ 46.0% |
| Cash at bank and in hand54/58 | €186,760 | €192,913 | €208,044 | €237,573 | €91,223 | ▼ 61.6% |
| Deferred charges and accrued income490/1 | - | €1,727 | - | €1,875 | €881 | ▼ 53.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €287,813 | €300,668 | €314,025 | €284,033 | €110,600 | ▼ 61.1% |
| Equity10/15 | €164,844 | €191,424 | €186,142 | €78,051 | €92,265 | ▲ 18.2% |
| Contributions10/11 | - | €12,524 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €73,665 | ▲ 3,860% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | - | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | - | - | - |
| Distributable reserves133 | - | - | - | €1,860 | €73,665 | ▲ 3,860% |
| Profit (loss) carried forward14 | €156,784 | €177,040 | €165,682 | €57,591 | - | - |
| Amounts payable17/49 | €122,968 | €109,245 | €127,882 | €205,982 | €18,335 | ▼ 91.1% |
| Amounts payable within one year42/48 | €122,621 | €109,245 | €127,882 | €205,982 | €18,335 | ▼ 91.1% |
| Trade debts44 | €84,528 | €80,287 | €96,043 | €70,493 | €1,752 | ▼ 97.5% |
| Suppliers440/4 | - | €80,287 | €96,043 | €70,493 | €1,752 | ▼ 97.5% |
| Taxes, remuneration and social security45 | - | €22,138 | €24,816 | €24,984 | €15,395 | ▼ 38.4% |
| Taxes450/3 | - | - | €194 | €5,242 | - | - |
| Remuneration and social security454/9 | - | €22,138 | €24,622 | €19,742 | €15,395 | ▼ 22.0% |
| Other amounts payable47/48 | - | €6,819 | €7,022 | €110,505 | €1,188 | ▼ 98.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €83,682 | €20,256 | -€11,358 | €21,321 | €14,214 | ▼ 33.3% |
| + Depreciation and write-downs630 | €3,488 | €3,033 | €3,500 | €2,515 | €1,027 | ▼ 59.2% |
| Operating cash flow (approximation) | €87,170 | €23,289 | -€7,858 | €23,835 | €15,240 | ▼ 36.1% |
| Investment in fixed assets (approximation) | - | -€4,156 | -€2,549 | €279 | -€1,020 | ▼ 465% |
| Change in cash | - | €6,152 | €15,132 | €29,529 | -€146,351 | ▼ 596% |
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 2026, expected by
2026
05-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Liquidity quadruplescurrent ratio 5.97
Current ratio from 1.37 to 5.97; short-term debt falls from €205,982 to €18,335.
03-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €21,321
Net result €21,321 after one loss-making year.
02-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet -€11,358
Net result drops to -€11,358, the lowest in the series; recovery starts the following year.
03-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Highest result since 2018net €83,682 ▲47.8%
Operating result €113,541, net result €83,682, both a record.
30-09
Financial
Equity above €150,000Eq €164,844 ▲103%
4 profitable years in a row build equity to €164,844.
29-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
24-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
27-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Brasschaat · 1 establishment unit since 2015
Ground area
335 m²
Building footprint
192 m²
Volume, LiDAR
1,031 m³
Parcel 11323F0345/00R006, Flanders · tallest building 11.3 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
PHACTS
since 20152.246.765.270
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11323F0345/00R006 | Flanders | 335 m² | 1 · 192 m² | 11.3 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 853 companies in sector 66210 we hold annual accounts for 511. 441 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
Founded13-08-2015
Fiscal year end30-09
Abbreviation NL
PCS
Activities, NACEBEL 2025
66210Risk and damage evaluation
66290Activities auxiliary to financial services and insurance activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0635549344
Also
9925:BE0635549344
Registered
30-10-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.