Phanes
ActivePhanes has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.34M and a net result of €226k. Equity is growing by ~14.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 2832 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability88▲+53
Solvency100▲+44
Growth35▼-17
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 3.9 against 1.07 in 2023; short-term debt: 6.4% and cash: 0.4% of total assets), and 6.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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 2024Solvency, return and age of the figures
Solvency
93.6%
Return on assets
15.8%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-07-2025, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
24 d early
2023
20 d early
2022
29 d late
2021
2 d early
2020
26 d early
2019
22 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Turnover
€563k▼ 45.1%
2023 · €1.03M
2018: €4.51M
2019: €464k
2020: €533k
2021: €1.26M
2022: €1.88M
2023: €1.03M
2018 → 2024
EBIT margin
16.8%▲ 20.8pp
2023 · -4.0%
2018: 7.9%
2019: 1.9%
2020: -5.6%
2021: -7.8%
2022: -6.8%
2023: -4.0%
2018 → 2024
Net result
€226k▼ 92.2%
2023 · €2.90M
2018: €229k
2019: €272k
2020: €-48k
2021: €86k
2022: €516k
2023: €2.90M
2018 → 2024
Working capital
€264k▲ 49.3%
2023 · €177k
2018: €356k
2019: €365k
2020: €246k
2021: €152k
2022: €-352k
2023: €177k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€533k-€1.26M▲ 136%€1.88M▲ 49.4%€1.03M▼ 45.3%€563k▼ 45.1%
Equity€794k-€694k▼ 12.5%€841k▲ 21.1%€1.19M▲ 41.3%€1.34M▲ 12.6%
Operating result€-30k-€-98k▼ 230%€-128k▼ 30.9%€-42k▲ 67.6%€95k
Net result€-48k-€86k€516k▲ 497%€2.90M▲ 461%€226k▼ 92.2%
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €95k after a loss of €42k in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.43M
Fixed assets
€1.07M▲ 6.2%
Current assets
€355k▼ 87.7%
Equity and liabilities €1.43M
Equity
€1.34M▲ 12.6%
Debt
€91k▼ 96.6%
The debt ratio falls from 69.4% to 6.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€96k▲
2023 · €-40k
Cash flow
€227k▼
2023 · €2.90M
Solvency
93.6%▲
2023 · 30.6%
Current ratio
3.90▲
2023 · 1.07
Quick ratio
3.90▲
2023 · 1.07
Debt / equity
0.07▼
2023 · 2.27
ROE
16.9%▼
2023 · 244.1%
ROA
15.8%▼
2023 · 74.6%
Interest coverage
55.58▲
2023 · -6.13
Debt
€91k▼
2023 · €2.70M
Debt ≤ 1 year
€91k▼
2023 · €2.70M
Income taxes
€296▼
2023 · €365
Staff costs
€82k▼
2023 · €102k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€3.89M€1.43M▼
Fixed assets21/28€1.01M€1.07M▲
Tangible fixed assets22/27€2k€647▼
Plant, machinery and equipment23€2k€647▼
Financial fixed assets28€1.01M€1.07M▲
Current assets29/58€2.87M€355k▼
Amounts receivable within one year40/41€2.86M€347k▼
Trade receivables40€209k€114k▼
Other amounts receivable41€2.65M€234k▼
Cash at bank and in hand54/58€7k€6k▼
Deferred charges and accrued income490/1€5k€1k▼
Equity and liabilities
Total equity and liabilities10/49€3.89M€1.43M▼
Equity10/15€1.19M€1.34M▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€1.13M€1.27M▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€1.12M€1.27M▲
Profit (loss) carried forward14€78€676▲
Amounts payable17/49€2.70M€91k▼
Amounts payable within one year42/48€2.70M€91k▼
Trade debts44€134k€68k▼
Suppliers440/4€134k€68k▼
Taxes, remuneration and social security45€13k€13k▼
Taxes450/3€865€3k▲
Remuneration and social security454/9€12k€10k▼
Other amounts payable47/48€2.55M€10k▼
Income statement
Code20232024
Turnover70€1.03M€563k▼
Goods, raw materials, services and sundry goods60/61€982k€397k▼
Remuneration, social security and pensions62€102k€82k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8€677€3k▲
Non-recurring operating charges66A-€975
Gross operating margin9900€62k€181k▲
Operating profit (loss)9901€-42k€95k▲
Financial income75/76B€2.95M€133k▼
Recurring financial income75€79k€133k▲
Non-recurring financial income76B€2.87M-
Financial charges65/66B€7k€2k▼
Recurring financial charges65€7k€2k▼
Profit (loss) for the period before taxes9903€2.90M€226k▼
Income taxes67/77€365€296▼
Profit (loss) for the period9904€2.90M€226k▼
Profit (loss) for the period to be appropriated9905€2.90M€226k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2.90M€226k▼
Profit (loss) brought forward from the previous period14P€341€78▼
Transfer from equity791/2-€76k
Transfer to equity691/2€347k€225k▼
To other reserves6921€347k€225k▼
Profit to be distributed694/7€2.55M€76k▼
Return on contributions (dividend)694€2.55M€76k▼
Social balance
Average headcount (FTE)90871.31.0▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity quadruplescurrent ratio 3.90
Current ratio from 1.07 to 3.90; short-term debt falls from €2.70M to €91k.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €2.90M ▲461%
Net result €2.90M, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 1.07
Current ratio from 0.50 to 1.07.
31-12
Financial
Equity above €1MEq €1.19M ▲41.3%
3 profitable years in a row build equity to €1.19M.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 29 days late
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €86k
Net result €86k after one loss-making year.
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-48k ▼118%
Net result drops to €-48k, the lowest in the series; recovery starts the following year.
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 24 days late
2016
08-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
11 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, Kontich · 1 establishment unit since 2011
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Veldkant 33 A2550 KontichGround area
3,333 m²
Building footprint
933 m²
Volume, LiDAR
7,846 m³
Parcel 11024B0079/00F000, Flanders · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PH Pro
since 20112.199.876.361
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11024B0079/00F000 | Flanders | 3,333 m² | 1 · 932 m² | 10.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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 29,995 companies in sector 62200 we hold annual accounts for 18,391. 6,915 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded19-05-2011
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62020IT consultancy
62100Computer programming
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.