PHB CONSEIL
ActiveSummary
PHB CONSEIL has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €153k and a net result of €14k. Equity is growing by ~12.5% per year across the filed fiscal years. Its solvency ranks better than 90% of 7750 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-16
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 6.97 against 4.11 in 2024; short-term debt: 8.7% and cash: 47.4% of total assets), and 8.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
91.3%
Return on assets
8.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
27 d late
2024
8 d late
2023
29 d late
2022
28 d late
2021
9 d early
2020
13 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€153k▲ 2.7%
2024 · €149k
2020: €78k
2021: €81k
2022: €120k
2023: €133k
2024: €149k
2020 → 2025
Total assets
€167k▼ 1.2%
2024 · €169k
2020: €121k
2021: €113k
2022: €153k
2023: €171k
2024: €169k
2020 → 2025
Net result
€14k▼ 60.9%
2024 · €36k
2020: €67k
2021: €3k
2022: €39k
2023: €33k
2024: €36k
2020 → 2025
Working capital
€87k▲ 35.2%
2024 · €64k
2020: €41k
2021: €49k
2022: €94k
2023: €122k
2024: €64k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€81k-€120k▲ 47.8%€133k▲ 11.2%€149k▲ 11.8%€153k▲ 2.7%
Operating result€5k-€54k▲ 946%€45k▼ 15.7%€51k▲ 12.2%€21k▼ 58.9%
Net result€3k-€39k▲ 1,315%€33k▼ 13.8%€36k▲ 7.1%€14k▼ 60.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 59% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €167k
Fixed assets
€66k ▼ 21.9%
Current assets
€101k ▲ 19.4%
Equity and liabilities €167k
Equity
€153k ▲ 2.7%
Debt
€15k ▼ 29.5%
Debt's share of the balance-sheet total falls from 12.1% to 8.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€39k▼
2024 · €58k
Cash flow
€33k▼
2024 · €43k
Current ratio
6.97▲
2024 · 4.11
Debt to equity
0.09▼
2024 · 0.14
ROE
9.1%▼
2024 · 24.0%
ROA
8.4%▼
2024 · 21.1%
Interest coverage
233.84▼
2024 · 380.56
Debt ≤ 1 year
€15k▼
2024 · €21k
Income taxes
€7k▼
2024 · €15k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€169k€167k▼
Fixed assets21/28€85k€66k▼
Tangible fixed assets22/27€85k€66k▼
Furniture and vehicles24€85k€66k▼
Financial fixed assets28€30€30=
Current assets29/58€85k€101k▲
Amounts receivable within one year40/41€23k€18k▼
Trade receivables40€7k€6k▼
Other amounts receivable41€16k€12k▼
Cash at bank and in hand54/58€59k€79k▲
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€169k€167k▼
Equity10/15€149k€153k▲
Contributions10/11€11k€11k=
Reserves13€138k€142k▲
Distributable reserves133€138k€142k▲
Amounts payable17/49€21k€15k▼
Amounts payable within one year42/48€21k€15k▼
Trade debts44€566€576▲
Suppliers440/4€566€576▲
Taxes, remuneration and social security45-€4k
Taxes450/3-€4k
Other amounts payable47/48€20k€10k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€19k▲
Other operating charges640/8€357€132▼
Gross operating margin9900€58k€39k▼
Operating profit (loss)9901€51k€21k▼
Financial income75/76B€719€516▼
Recurring financial income75€719€516▼
Financial charges65/66B€152€168▲
Recurring financial charges65€152€168▲
Profit (loss) for the period before taxes9903€51k€21k▼
Income taxes67/77€15k€7k▼
Profit (loss) for the period9904€36k€14k▼
Profit (loss) for the period to be appropriated9905€36k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€36k€14k▼
Transfer to equity691/2€16k€4k▼
To other reserves6921€16k€4k▼
Profit to be distributed694/7€20k€10k▼
Return on contributions (dividend)694€20k€10k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Equity above €150kEq €153k ▲2.7%
6 profitable years in a row build equity to €153k.
08-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 8 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Equity above €100kEq €120k ▲47.8%
3 profitable years in a row build equity to €120k.
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €3k ▼95.9%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
13-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 13 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Fleurus · 1 establishment unit since 2019
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.
Route de Namur(WB) 36224 FleurusGround area
1,752 m²
Building footprint
250 m²
Volume, LiDAR
1,449 m³
Parcel 52071C1364/00G000, Wallonia · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PHB CONSEIL
since 20192.290.972.526
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52071C1364/00G000 | Wallonia | 1,752 m² | 1 · 250 m² | 8.6 m · 2 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.
Similar companies · same sector, comparable size
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BE 0802.763.882
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LIMAWA
BE 0797.934.965
Mol · Eq €152,873
Qampo Qompliance
BE 0785.652.389
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J.P.V.
BE 0424.798.929
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Of 24,500 companies in sector 82990 we hold annual accounts for 9,404. 7,123 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-06-2019
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.