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PHENICKS

Active
Private limited companyfounded 201016 yrs activeRue Tienne Bricout 15, 6001 Charleroi, BelgiumKBO/BCE: BE 0824.599.671
Summary

PHENICKS has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.9m and a net result of €627,481. Equity is growing by ~16.5% per year across the filed fiscal years. Its solvency ranks better than 46% of 1009 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).

Risk analysisWatch ReportCompare
PHENICKSActiveChecked score 68/100
Risk analysis ReportCompare

Overview

Activity
General construction of residential buildings
NACE 41001General construction of buildings NACE 41201
1 site
Size
€9.1mturnover 2025
Staff
28.2 FTE
Equity
€1.9m
Profit
€627,481
Financial health
68 Healthy Checked score 2025
Bankruptcy chance 12 m
0.8%
Structure
Accounts 62 d early0 of 12 deeds read
Why 68- Liquidity: current ratio 1.11, cash €71,385, halved- 2 of the last 3 late- Sector Construction of residential and non-residential buildings (NACE 41)+ Founded in 2010Show the evidence

Checked score

Score 2025
68 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 48% of its sector peers (NACE 41, small)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 55-9
equity 30.1% of total assets
Liquidity 17-26
short-term debt 65.2% · cash 1.2%
Profitability 77-5
return on assets 10.1%
Bankruptcy probability, 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%

About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (907 companies)
Last 24 months 11-2024: 0.3% 12-2024: 0.3%● 0.0% vs 11-2024 01-2025: 0.3%● 0.0% vs 12-2024 02-2025: 0.3%▼ -3.7% vs 01-2025 03-2025: 0.3%▼ -1.1% vs 02-2025 04-2025: 0.3%▼ -3.5% vs 03-2025 05-2025: 0.3%▲ +2.9% vs 04-2025 06-2025: 0.3%▲ +10.4% vs 05-2025 07-2025: 0.3%▲ +6.1% vs 06-2025 08-2025: 0.5%▲ +53.0% vs 07-2025 09-2025: 0.6%▲ +12.9% vs 08-2025 10-2025: 0.3%▼ -44.6% vs 09-2025 11-2025: 0.3%▼ -7.6% vs 10-2025 12-2025: 0.3%● 0.0% vs 11-2025 01-2026: 0.3%● 0.0% vs 12-2025 02-2026: 0.3%▲ +1.0% vs 01-2026 03-2026: 0.3%▼ -11.3% vs 02-2026 04-2026: 0.3%▼ -3.5% vs 03-2026lowest value 05-2026: 0.3%▲ +0.4% vs 04-2026 06-2026: 0.8%▲ +213% vs 05-2026highest value 07-2026: 0.8%● 0.0% vs 06-2026highest value 08-2026: 0.8%● 0.0% vs 07-2026highest value 09-2026: 0.8%● 0.0% vs 08-2026highest value 10-2026: 0.8%● 0.0% vs 09-2026highest value
  • Liquidity: current ratio 1.11, cash €71,385, halved raises the probability
  • 2 of the last 3 late raises the probability
  • Founded in 2010 lowers the probability for this profile
  • Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
Credit up to €120,000 at 30 days acceptable
Liquidity tight (current ratio 1.11 against 1.53 in 2024; short-term debt: 65.2% and cash: 1.2% of total assets), and 69.9% 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 41, small). Better than this share of them on solvency 48%, liquidity 16%, profitability 78%, growth against the median 51%. 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.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Liquidity: current ratio 1.11, cash €71,385, halved
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · 2 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
lowers risk · Founded in 2010
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Sector Construction of residential and non-residential buildings (NACE 41)
In the bankruptcy model this factor raises the probability.
KBO
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 30-05-2026, 62 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
62 d early
2024
47 d late
2023
55 d late
2022
60 d late
2021
13 d early
2020
50 d early
2019
31 d late
← 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 10 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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 16 September (4 of the last 5 filed years within 60 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 · full…
  2. Highest result since 2018net €627,481 ▲2%
  3. Annual accounts filedfiscal year 2024 · full…

Key points

  • Positive: Turnover rose in 2025from €6.0m to €9.1m ▲ 50.1% View
  • Positive: Among the best 18% on net resultsector median €34,870 · 1,011 companies €627,481 View
  • Positive: 8 profitable years in a rowprofit 2025: €627,481 8 years View

By topic

Financials

Fiscal year
2025
Turnover
€9.1m
Profit
€627,481
Solvency
30.1%
Turnover▲ 50.1%
Net result
20202025
Go to Financials

Timeline

Events
13
Since
2017
Next accounts
by 31-07-2027
  1. 30-05-2026Annual accounts filed
  2. 31-12-2025Highest result since 2018
  3. 16-09-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
General construction of residential buildingsNACE 41001
Founded
01-04-2010
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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