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Complete company report
Generated 16-07-2026
Active BE 0473.481.447Public limited company

PHALCO

Rue Provinciale (C) 6 ·7760 Celles (lez-Tournai), Belgium· 25 yrs active
Sector: Financial services (64210)
Conclusion Checked

PHALCO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The company has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.

Based on State Gazette and CBE data.
Key figures
Active 25 yrs
Board 3
Locations 1
Publications 8
Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Long-established
Founded in 2000, 25 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Financial overview10 NBB filings
Financials being processed
NBB has 10 filing(s) on record for this company, latest fiscal year 2024 (volledig). The annual accounts are being processed.
Filings on record
Fiscal year Type Filed Reference
31-12-2024 volledig 04-06-2025 2025-00121767
31-12-2023 volledig 25-06-2024 2024-00162090
31-12-2022 volledig 03-07-2023 2023-00193919
31-12-2021 volledig 22-08-2022 2022-20301912
31-12-2020 volledig 11-08-2021 2021-47900220
31-12-2019 volledig 28-08-2020 2020-46200576
31-12-2018 volledig 16-07-2019 2019-33700028
31-12-2017 volledig 21-09-2018 2018-64000009
31-12-2016 volledig 11-07-2017 2017-30000547
31-12-2015 volledig 01-07-2016 2016-26500416
Directors & mandates 8 directors
Current directors & mandates
  • Julien CAYON
    Director
    State Gazette act 25110511 (01-09-2025)
    Current
    28-07-2025 → present
  • Brigitte LAMIC
    Director
    State Gazette act 22028642 (03-03-2022)
    Current
    03-03-2022 → present
  • Compagnie Financière MontrachetLegal entity
    Director· perm. rep.: Jean-Paul CAYON
    State Gazette act 22028642 (03-03-2022)
    Current
    03-03-2022 → present
Historic, not recently confirmed (1)
These mandates remain open in the register but have not been confirmed by a new act in over six years. They do not count as active directors.
  • Jean Paul CAYON
    Managing director
    State Gazette act 15097360 (08-07-2015)
    Not recently confirmed
    last confirmed in an act from 2015
    3 events
    • 03-03-2022 Resigned· Director
    • 08-07-2015 Appointed· Managing director
    • 05-02-2015 Appointed· Director
Former directors (4)
  • Brigitte LAMIC-CAYON
    Director
    State Gazette act 25110511 (01-09-2025)
    Former
    - → 28-07-2025
  • Albert BELIN
    Director
    State Gazette act 15097360 (08-07-2015)
    Former
    - → 05-02-2015
    2 events
    • 05-02-2015 Resigned· Director
    • 05-02-2015 Resigned· Managing director
  • Amédée BELIN
    Director
    State Gazette act 15097360 (08-07-2015)
    Former
    - → 05-02-2015
  • Philippe BELIN
    Director
    State Gazette act 15097360 (08-07-2015)
    Former
    - → 05-02-2015
    2 events
    • 05-02-2015 Resigned· Director
    • 05-02-2015 Resigned· Managing director
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Legal Structure
NACE primary Financial services(64210)
Legal form Public limited company(014)
Incorporation11-12-2000
StatusActive
Postal code7760
Establishment units 1 location
Rue Provinciale (C) 6, 7760 Celles (lez-Tournai)
Financiële holdings
since 20022.094.571.577
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
57018C0234/00E005 Wallonia 2.5 ha 1 · 1,450 m² 11.2 m · 3 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 18 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
29-12-2025
State Gazette act Director changes
v3.2
06-10-2025
State Gazette act Director changes
v3.2
01-09-2025
State Gazette act Director changes
v3.2
04-06-2025
NBB filing Annual accounts filed
fiscal year 2024 · volledig
2024
25-06-2024
NBB filing Annual accounts filed
fiscal year 2023 · volledig
23-01-2024
State Gazette act Statutes amendment
v3.2
2023
14-09-2023
State Gazette act Director changes
v3.2
03-07-2023
NBB filing Annual accounts filed
fiscal year 2022 · volledig
2022
22-08-2022
NBB filing Annual accounts filed
fiscal year 2021 · volledig
03-03-2022
State Gazette act Director changes
v3.2
2021
11-08-2021
NBB filing Annual accounts filed
fiscal year 2020 · volledig
2020
28-08-2020
NBB filing Annual accounts filed
fiscal year 2019 · volledig
2019
16-07-2019
NBB filing Annual accounts filed
fiscal year 2018 · volledig
2018
21-09-2018
NBB filing Annual accounts filed
fiscal year 2017 · volledig
2017
11-07-2017
NBB filing Annual accounts filed
fiscal year 2016 · volledig
2016
01-07-2016
NBB filing Annual accounts filed
fiscal year 2015 · volledig
2015
08-07-2015
State Gazette act Director changes
v3.2
2005
18-07-2005
State Gazette act Director changes
v3.2
Belgisch Staatsblad, acts 8 acts
All acts · 8 updated 6 months ago
2025
29-12-2025 Brigitte LAMIC appointed as managing director Director changes
  • Brigitte LAMIC, Gedelegeerd bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "gedelegeerd_bestuurder",
      "person": {
        "rrn": null,
        "name": "Brigitte LAMIC",
        "address": null,
        "birth_date": null
      },
      "via_org": {
        "kbo": "1004396693",
        "name": "SAS COMPAGNIE FINANCIERE MONTRACHET",
        "address": null,
        "country": null,
        "legal_form": null
      },
      "effective_date": "2025-07-28",
      "evidence_quote": "La pr\u00E9s\u00EDdente expose que la Conseil d\u0027administration, en date du 08/12/2025, a d\u00E9cid\u00E9 de nommer la soci\u00E9t\u00E9 SAS COMPAGNIE FINANCIERE MONTRACHET, inscrite \u00E0 la BCE sous le num\u00E9ro 1004.396.693 et dont le si\u00E9ge social est \u00E9tabli \u00E0 71100 Chalon-sur-Sa\u00F4ne (France), rue Louis Jacques Th\u00E9nard - CS 60 287, r"
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0473.481.447",
    "name_full": "PHALCO",
    "legal_form": "SA"
  }
}
06-10-2025 Change in the board of directors Director changes
Summary: v3.2
Technical details 
{
  "events": [],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0473.481.447",
    "name_full": "PHALCO",
    "legal_form": "SA"
  }
}
01-09-2025 1 director appointed, 1 resigning Director changes
  • Julien CAYON, Bestuurder
  • Brigitte LAMIC-CAYON, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Brigitte LAMIC-CAYON",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2025-07-28",
      "evidence_quote": "L\u0027assembl\u00E9e prend acte et accepte la d\u00E9mission de son poste d\u0027administrateur, \u00E0 dat\u00E9 du 28 juillet 2025, de Madame Brigitte LAMIC-CAYON... L\u0027assembl\u00E9e g\u00E9n\u00E9rale lui donne d\u00E9charge pour l\u0027exercice de son mandat.",
      "discharge_granted": true
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Julien CAYON",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2025-07-28",
      "evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale d\u00E9cide de nommer, \u00E0 compter du 28 juillet 2025 et pour une dur\u00E9e de 6 ans, en qualit\u00E9 d\u0027administrateur Monsieur Julien CAYON"
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0473.481.447",
    "name_full": "PHALCO",
    "legal_form": "SA"
  }
}
2024
23-01-2024 Articles of association amended Statutes amendment
Summary: v3.2
Technical details 
{
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "statute_change": {
    "name_change": false,
    "seat_change": false,
    "object_change": false,
    "effective_date": "2023-12-22",
    "legal_form_change": false
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0473.481.447",
    "name_full": "PHALCO",
    "legal_form": "SA"
  },
  "signature_regime": "joint_two",
  "special_mandates": [],
  "governance_change": {
    "admin_delegated_added": []
  }
}
2023
14-09-2023 Dorothée HURTEUX appointed as statutory auditor Director changes
  • Dorothée HURTEUX, Commissaris
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "commissaris_in",
      "role": "commissaris",
      "person": {
        "rrn": null,
        "name": "Doroth\u00E9e HURTEUX",
        "address": null,
        "birth_date": null
      },
      "via_org": {
        "kbo": "0473481447",
        "name": "SCRL AVISOR",
        "address": null,
        "country": null,
        "legal_form": null
      },
      "evidence_quote": "A l\u0027unanimit\u00E9, l\u0027assembl\u00E9e g\u00E9n\u00E9rale d\u00E9cide de nommer, en qualit\u00E9 de commissaire, la SCRL AVISOR, dont le si\u00E9ge social se situe \u00E0 7520 Ramegnies-Chin, Chauss\u00E9e de Tournai, 54, ayant d\u00E9sign\u00E9 comme repr\u00E9sentant permanent Madame Doroth\u00E9e HURTEUX, R\u00E9viseur d\u0027Entreprises, et ce pour une dur\u00E9e de trois ans"
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0473.481.447",
    "name_full": "PHALCO",
    "legal_form": "SA"
  }
}
2022
03-03-2022 1 director appointed, 1 resigning, 1 reappointed Director changes
  • Brigitte LAMIC, Bestuurder
  • Jean-Paul CAYON, Bestuurder
  • Jean-Paul CAYON, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Jean-Paul CAYON",
        "address": null,
        "birth_date": null
      },
      "via_org": {
        "kbo": null,
        "name": "Compagnie Financi\u00E8re Montrachet",
        "address": null,
        "country": null,
        "legal_form": null
      },
      "evidence_quote": "A l\u0027unanimit\u00E9, l\u0027assembl\u00E9e d\u00E9cide de renouveler le mandat d\u0027administrateur de la SAS de droit fran\u00E7ais, Compagnie Financi\u00E8re Montrachet, repr\u00E9sent\u00E9e par Monsieur Jean-Paul CAYON pour une dur\u00E9e de 6 ann\u00E9es, soit jusqu\u0027\u00E0 l\u0027assembl\u00E9e g\u00E9n\u00E9rale qui se tiendra en 2027."
    },
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Jean-Paul CAYON",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "Par contre, le mandat arriv\u00E9 \u00E0 terme de Mr Jean-Paul CAYON ne sera pas renouvel\u00E9. L\u0027assembl\u00E9e g\u00E9n\u00E9rale, \u00E0 l\u0027unanimit\u00E9, lui donne d\u00E9charge pour l\u0027exercice de son mandat.",
      "discharge_granted": true
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Brigitte LAMIC",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "A l\u0027unanimit\u00E9, l\u0027assembl\u00E9e d\u00E9cide de nommer, en qualit\u00E9 de nouvel administrateur, Madame Brigitte LAMIC, n\u00E9e \u00E0 Chalon-sur-Sa\u00F4ne le 15 novembre 1956, domicili\u00E9e \u00E0 21190 Chassagne-Montrachet, 1 rue du Clos Saint Jean. Ce mandat lui est accord\u00E9e pour une p\u00E9riode de 6 ann\u00E9es, soit jusqu\u0027\u00E0 l\u0027assembl\u00E9e g\u00E9"
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0473.481.447",
    "name_full": "PHALCO",
    "legal_form": "SA"
  }
}
2015
08-07-2015 2 directors appointed, 5 resigning Director changes
  • Jean Paul CAYON, Bestuurder
  • Jean Paul CAYON, Gedelegeerd bestuurder
  • Albert BELIN, Bestuurder
  • Albert BELIN, Gedelegeerd bestuurder
  • Philippe BELIN, Bestuurder
  • Philippe BELIN, Gedelegeerd bestuurder
  • Amédée BELIN, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Jean Paul CAYON",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2015-02-05",
      "evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale appelle \u00E0 la fonction d\u0027administrateur: Monsieur Jean Paul CAYON, domicili\u00E9 \u00E0 21190 CHASSAGNE MONTRACHET (France), Rue Clos Saint Jean 1; qui accepte"
    },
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Albert BELIN",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2015-02-05",
      "evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale accepte, \u00E0 dater du 05/02/2015, la d\u00E9mission de: Monsieur Albert BELIN, domicili\u00E9 \u00E0 7760 CELLES, Rue Provinciale 46, en sa qualit\u00E9 d\u0027administrateur, d\u0027administrateur d\u00E9l\u00E9gu\u00E9, de pr\u00E9sident du conseil d\u0027administration et de repr\u00E9sentant permanent."
    },
    {
      "kind": "director_out",
      "role": "gedelegeerd_bestuurder",
      "person": {
        "rrn": null,
        "name": "Albert BELIN",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2015-02-05",
      "evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale accepte, \u00E0 dater du 05/02/2015, la d\u00E9mission de: Monsieur Albert BELIN, domicili\u00E9 \u00E0 7760 CELLES, Rue Provinciale 46, en sa qualit\u00E9 d\u0027administrateur, d\u0027administrateur d\u00E9l\u00E9gu\u00E9, de pr\u00E9sident du conseil d\u0027administration et de repr\u00E9sentant permanent."
    },
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Philippe BELIN",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2015-02-05",
      "evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale accepte, \u00E0 dater du 05/02/2015, la d\u00E9mission de: ... Monsieur Philippe BELIN, domicili\u00E9 \u00E0 7760 CELLES, Rue Provinciale 22D, en sa qualit\u00E9 d\u0027administrateur et d\u0027administrateur d\u00E9l\u00E9gu\u00E9"
    },
    {
      "kind": "director_out",
      "role": "gedelegeerd_bestuurder",
      "person": {
        "rrn": null,
        "name": "Philippe BELIN",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2015-02-05",
      "evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale accepte, \u00E0 dater du 05/02/2015, la d\u00E9mission de: ... Monsieur Philippe BELIN, domicili\u00E9 \u00E0 7760 CELLES, Rue Provinciale 22D, en sa qualit\u00E9 d\u0027administrateur et d\u0027administrateur d\u00E9l\u00E9gu\u00E9"
    },
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Am\u00E9d\u00E9e BELIN",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2015-02-05",
      "evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale accepte, \u00E0 dater du 05/02/2015, la d\u00E9mission de: ... Madame Am\u00E9d\u00E9e BELIN, domicili\u00E9e \u00E0 7500 TOURNAI, rue Rogier 55, en sa qualit\u00E9 d\u0027administrateur."
    },
    {
      "kind": "director_in",
      "role": "gedelegeerd_bestuurder",
      "person": {
        "rrn": null,
        "name": "Jean Paul CAYON",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "R\u00E9uni \u00E0 l\u0027issue de l\u0027Assembl\u00E9e g\u00E9n\u00E9rale extraordinaire, le conseil d\u0027administration appelle: \u00E0 la fonction d\u0027administrateur d\u00E9l\u00E9gu\u00E9, Monsieur Jean Paul CAYON, dom\u00EDcili\u00E9 \u00E0 21190 CHASSAGNE MONTRACHET (France), Rue Clos Saint Jean 1; qui accepte"
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0473.481.447",
    "name_full": "PHALCO",
    "legal_form": "SA"
  }
}
2005
18-07-2005 Change in the board of directors Director changes
Summary: v3.2
Technical details 
{
  "events": [],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0473.481.447",
    "name_full": "PHALCO",
    "legal_form": "SA"
  }
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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AI-generated from Checked data; indicative, not legal or investment advice.
Company registry (CBE) Crossroads Bank
Activities
Holdings64200Activiteiten van holdings64210Managementactiviteiten van holdings74151
Primary activity highlighted.
Names & trade names
Legal nameFR PHALCO
Registered office
Rue Provinciale (C) 6
7760 Celles (lez-Tournai), Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative