Skip to content

PHELECT

Active
Private limited company (pre-2019)founded 199036 yrs activeRue des Trois Entités 15, 4890 Thimister-Clermont, BelgiumKBO/BCE: BE 0439.839.075
Summary

PHELECT has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.5m and a net result of €1.4m. Equity is growing by ~30.1% per year across the filed fiscal years. Its solvency ranks better than 91% of 1247 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
PHELECTActiveChecked score 99/100
Risk analysis ReportCompare

Overview

Activity
Other maintenance and repair of motor vehicles
NACE 95319NACE 45202NACE 45209
#6 company by staff growth in the province of Liège, Repair of computers and personal goods sector2 sites
Size
€2.9mtotal assets 2025
Staff
17 FTE
Equity
€2.5m
Profit
€1.4m
Financial health
99 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Parent
ALSYX · 99.87%
Accounts 11 d early0 of 1 deed read
Why 99+ Founded in 1990+ Liquidity: current ratio 6.09, cash €364,181+ Equity €2.5m (86.3% of total assets)+ Profit of €1.4m (FY 2025)Show the evidence

Checked score

Score 2025
99 / 100
Excellent
Probability in this band: under 0.55%
Better than 94% of its sector peers (NACE 95, small)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100+36
equity 86.3% of total assets
Liquidity 63+16
short-term debt 13.7% · cash 12.5%
Profitability 100=
return on assets 46.4%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (329 companies)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● 0.0% vs 11-2024 01-2025: 0.1%● 0.0% vs 12-2024 02-2025: 0.1%● 0.0% vs 01-2025 03-2025: 0.1%● 0.0% vs 02-2025 04-2025: 0.1%● 0.0% vs 03-2025 05-2025: 0.1%▲ +3.8% vs 04-2025 06-2025: 0.1%▼ -3.7% vs 05-2025 07-2025: 0.1%▲ +29.5% vs 06-2025 08-2025: 0.1%▼ -9.9% vs 07-2025 09-2025: 0.1%● 0.0% vs 08-2025 10-2025: 0.1%● 0.0% vs 09-2025 11-2025: 0.1%● 0.0% vs 10-2025 12-2025: 0.1%▲ +3.3% vs 11-2025 01-2026: 0.1%● 0.0% vs 12-2025 02-2026: 0.1%● 0.0% vs 01-2026 03-2026: 0.1%▲ +21.3% vs 02-2026 04-2026: 0.1%▲ +3.5% vs 03-2026 05-2026: 0.1%▲ +4.2% vs 04-2026 06-2026: 0.1%▼ -3.3% vs 05-2026 07-2026: 0.1%▲ +5.9% vs 06-2026highest value 08-2026: 0.1%▼ -57.1% vs 07-2026lowest value 09-2026: 0.1%● 0.0% vs 08-2026lowest value 10-2026: 0.1%● 0.0% vs 09-2026lowest value
  • Founded in 1990 lowers the probability for this profile
  • Liquidity: current ratio 6.09, cash €364,181 lowers the probability
  • Equity €2.5m (86.3% of total assets) lowers the probability
  • Profit of €1.4m (FY 2025) lowers the probability
Credit up to €240,000 at 30 days acceptable
Liquidity ample (current ratio 6.09 against 1.44 in 2024; short-term debt: 13.7% and cash: 12.5% of total assets), and 13.7% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 95, small). Better than this share of them on solvency 95%, liquidity 86%, profitability 98%, growth against the median 95%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Founded in 1990
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Liquidity: current ratio 6.09, cash €364,181
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Equity €2.5m (86.3% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Profit of €1.4m (FY 2025)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-07-2026, 11 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
11 d early
2024
23 d early
2023
22 d early
2022
11 d early
2021
3 d early
2020
43 d early
2019
56 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 24 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

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. Usually files around 20 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
05-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Liquidity quadruplescurrent ratio 6.09
  3. Equity above €2mEq €2.5m ▲116%

Key points

  • Positive: Equity rose in 2025from €1.2m to €2.5m ▲ 116% View
  • Positive: Among the best 5% on net resultsector median €30,178 · 1,243 companies €1.4m View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Positive: 8 profitable years in a rowprofit 2025: €1.4m 8 years View
  • Controlled by ALSYX 99.87% View

By topic

Financials

Fiscal year
2025
Total assets
€2.9m
Profit
€1.4m
Solvency
86.3%
Total assets▼ 2.6%
Net result
20182025
Go to Financials

Timeline

Events
15
Since
2017
Next accounts
by 31-07-2027
  1. 20-07-2026Annual accounts filed
  2. 31-12-2025Liquidity quadruples
  3. 31-12-2025Equity above €2m
Go to Timeline

Company details

Sites
2
Legal form
Private limited company (pre-2019)
Activity
Other maintenance and repair of motor vehiclesNACE 95319
Founded
01-02-1990
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Is the workforce growing, and do people stay?Employer check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.

We would like to set cookies. That happens only with your consent. What we measure