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Generated 11-08-2026
Active BE 0861.532.917Public limited company

PHAMA

Bois du Cheval erf 12 ·7700 Mouscron, Belgium· 22 yrs active
Sector: Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies (70200)
Conclusion Checked

The computed 12-month bankruptcy probability of PHAMA is 0.1% (very low). The company has been active since 2003 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 22 yrs
Board 1
Locations 1
Publications 1
Bankruptcy probability (12 mo) Checked model v1 · free
0.1% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Long track record −Lower-risk legal form −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 2003, 22 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financial overview10 NBB filings
Financials being processed
NBB has 10 filing(s) on record for this company, latest fiscal year 2025 (micro). The annual accounts are being processed.
Filings on record
Fiscal year Type Filed Reference
30-06-2025 micro 04-02-2026 2026-00032189
30-06-2024 micro 27-01-2025 2025-00011423
30-06-2023 micro 30-01-2024 2024-00013227
30-06-2022 micro 01-02-2023 2023-00017528
30-06-2021 micro 21-01-2022 2022-01300547
30-06-2020 micro 28-01-2021 2021-02700441
30-06-2019 micro 22-01-2020 2020-01800514
30-06-2018 micro 25-01-2019 2019-02400101
30-06-2017 micro 28-12-2017 2017-73400300
30-06-2016 volledig 28-12-2016 2016-72000417
Directors & mandates 1 directors
Current directors & mandates
  • Alégria Dubly
    Director
    State Gazette act 22148615 (16-12-2022)
    Current
    16-12-2022 → present
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies(70200)
Legal form Public limited company(014)
Incorporation06-11-2003
StatusActive
Postal code7700
Establishment units 1 location
Phama
Tamme Kastanjebomenlaan(D) 2, 7711 MouscronOverige adviesbureaus op het gebied van bedrijfsvoering en beheer
since 20032.134.349.792
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 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
54006P0187/00D000 Wallonia 1,761 m² 1 · 169 m² 7.5 m · 2 fl.
54436A0105/00S000 Wallonia 1,065 m² 1 · 241 m² 9.0 m · 2 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 11 events

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

2026
04-02-2026
NBB filing Annual accounts filed
fiscal year 2025 · micro
2025
27-01-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
30-01-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
01-02-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
16-12-2022
State Gazette act Director changes
21-01-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
28-01-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
22-01-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
25-01-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2017
28-12-2017
NBB filing Annual accounts filed
fiscal year 2017 · micro
2016
28-12-2016
NBB filing Annual accounts filed
fiscal year 2016 · volledig
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 3 years ago
2022
16-12-2022 1 director appointed, 1 reappointed Director changes
  • Alégria Dubly, Bestuurder
  • Hervé Dubly, Bestuurder
Technical details 
{
  "events": [
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Herv\u00E9 Dubly",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "renewal",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale extraordinaire du 30-11-2022 a d\u00E9cid\u00E9 de renouveler le mandat d\u0027administrateur d\u00E9l\u00E9gu\u00E9 de monsieur Herv\u00E9 Dubly pour une p\u00E9riode de 6 ans.",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "n_years",
        "value": "6"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Al\u00E9gria Dubly",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "regular",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "l\u0027assembl\u00E9e d\u00E9cide \u00E9galement de nommer madame Al\u00E9gria Dubly comme administrateur! \u00E9galement pour une p\u00E9riode de 6 ans.",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "n_years",
        "value": "6"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2022-12-16",
    "filing_date": "2022-12-07",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2022-11-30",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0861.532.917",
    "name_full": "PHAMA",
    "legal_form": "SA"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
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.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Overige adviesbureaus op het gebied van bedrijfsvoering en beheer74142
Primary activity highlighted.
Names & trade names
Legal nameFR PHAMA
Registered office
Bois du Cheval erf 12
7700 Mouscron, 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