Equity
€344,969 ▼ 44.3%
PHB CONSULT paid out €320,560 in dividends. That is 701% of the 2025 profit.
PHB CONSULT
Lifetime
19 annual accounts with figures on one time axis, 24 filings since 2002peak €191,654 (2021)
€69,982▼ 10.0%
lowest -€13,160 (2007)
€45,753▼ 67.9%
peak €619,776 (2024)
€344,969▼ 44.3%
€331,340▲ 289%
peak 1 FTE (2007)
0 FTE
Board1 name since 2001
1 directorBASCOURT Philippe Marie Georges Edgard
Documentsfilings and deeds
23-04-20267 days before the deadline
2025abbreviated format
Result from €142,710 to €45,753Dividend €320,560Equity from €619,776 to €344,969Debts from €85,148 to €331,340Investments €30,216
Key points
from the 2025 annual accountsResult
€45,753 ▼ 67.9%
The result fell in 2025: the 2024 profit included a one-off income of €177,759.
Turnover
≈ €140,000 estimated
The abbreviated format states no turnover.
Debts
€331,340 ▲ 289%
Debts rose by €246,192 in 2025. A dividend stands under other debts on the balance sheet date until it is paid.
Investments
€34,484 6.0 × depreciation
Green is investment, beige is depreciation. Machinery stands 31.8% higher than in 2024.
Liquidity
1.64 was 7.02 in 2024
Short-term debts rose from €85,148 to €331,340.
Checked score
92
Excellent
Financially stronger than 40% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025lowest value
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026highest value
Financial strengthStrong
Score breakdown
lowers risk
Size: total assets €676,309
Liquidity: current ratio 1.64, cash €201,894
Sector: Activities of head offices; management consultancy activities (NACE 70)
Equity €344,969 (51.0% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 47% of them on solvency, 55% on liquidity, 43% on profitability and 14% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-09-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 20,137 companies had the same profile as PHB CONSULT has now. Each dot stands for 51 companies, two years later.
95.1%
were still trading
4.7%
stopped another way
0.2%
went bankrupt
That fits the bankruptcy probability of PHB CONSULT itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 20,137 companies, not a prediction for PHB CONSULT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €30,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.64 (7.02 in 2024), above the usual 1.5. Short-term debt is 49% and cash 29.9% of total assets. 49% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers riskneutral
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 23-04-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 days early
2024
1 day early
2023
6 days early
2022
46 days early
2021
30 days late
2020
46 days early
2019
16 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 13 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 25 April (4 of the last 5 accounts filed within 35 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end10-11-2026 today30-04-2027 deadline
Board and ownership
- Philippe Bascourtannual accounts 30-09-2021
Shares in 2 companies, DR Immo and DR AUTOMATICS
Board & ownershipRecent changes
Resignation: BASCOURT Philippe Marie Georges Edgard (director, formerly manager)
Reappointment: BASCOURT Philippe Marie Georges Edgard (director) · Director discharge: BASCOURT Philippe Marie Georges Edgard · Gazette deed
First establishment
Bevrijdingslei 7, Brasschaat
Incorporation
published on 27-01-2001 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| PHB CONSULT Brasschaat | €676,309 | €69,982 | 51.0% | 0 |
| BALMORAL VENTURES Sint-Genesius-Rode | €844,746 | €71,718 | 98.9% | 0 |
| HUSTINGS MANAGEMENT Zonhoven | €692,765 | €87,681 | 94.9% | 0 |
| CONDUCT Oosterzele | €608,228 | €79,858 | 27.3% | 0 |
| B.R.A.M. Ghent | €557,666 | €83,415 | 13.5% | 0 |
| ARTHOLICE Ostend | €564,721 | €81,140 | 56.0% | 0 |
| SOHO Antwerp | €885,843 | €59,112 | 65.3% | 0 |
These companies have the same main activity as PHB CONSULT: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €558,000 and €886,000, founded between 1997 and 2003.
Official details
Source: KBO- Status
- Active since 16-01-2001Normal situation
- Activity
- Business and other management consultancyNACE 70200
- Establishment unit
- 2.100.283.6892930 Brasschaat, since 17-05-2001
- Financial year end
- 30 September
- Peppol
- Reachable
Annual accounts to 30-09-2025
- €676,309▼ 4.1%
- Filing
- Filed on 23-04-2026, 7 days before the end of the filing period
Insights on PHB CONSULT
PHB CONSULT files the abbreviated format. That format states no turnover. The gross margin fell from €107,022 in 2007 to €69,982 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about PHB CONSULT
- What is the company number of PHB CONSULT?
- The company number of PHB CONSULT is 0473.829.261. The VAT number is the same number with BE in front: BE 0473.829.261.
- Where is PHB CONSULT based?
- The registered office is at Bevrijdingslei 7, 2930 Brasschaat.Company details
- What does PHB CONSULT do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of PHB CONSULT?
- PHB CONSULT is a private limited company (BV).
- When was PHB CONSULT founded?
- PHB CONSULT was founded on 16-01-2001.
- Is PHB CONSULT still active?
- Yes, PHB CONSULT is an active enterprise in the KBO register.
- What is the turnover of PHB CONSULT?
- The turnover in financial year 2025 is ≈ €140,000. This figure is estimated from the gross margin of €69,982 and 65 comparable companies (NACE 70200). It probably lies between €100,000 and €210,000.Financials
- Is PHB CONSULT profitable?
- In financial year 2025, PHB CONSULT made a profit of €45,753.
- Where can I find the annual accounts of PHB CONSULT?
- PHB CONSULT filed 24 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of PHB CONSULT due?
- PHB CONSULT must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
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