PHI.CONSULTING
ActivePHI.CONSULTING has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €371k and a net result of €10k. Equity is growing by ~9% per year across the filed fiscal years. Its solvency ranks better than 78% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▼-8
Solvency100=
Growth65▼-1
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 4.67 against 5.38 in 2024; short-term debt: 18.8% of total assets), and 18.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
81.2%
Return on assets
2.1%
Age of the figures
9 mo
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
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 07-06-2026, 54 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
54 d early
2024
46 d early
2023
40 d early
2022
35 d early
2021
26 d early
2020
18 d late
2019
31 d late
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€142k▼ 6.5%
2024 · €152k
2018: €127k
2019: €125k
2020: €104k
2021: €114k
2022: €138k
2023: €130k
2024: €152k
2018 → 2025
EBIT margin
24.9%▼ 12.8pp
2024 · 37.7%
2018: 6.7%
2019: 29.2%
2020: 5.5%
2021: 8.6%
2022: 19.8%
2023: 27.9%
2024: 37.7%
2018 → 2025
Net result
€10k▼ 82.0%
2024 · €53k
2018: €-9k
2019: €27k
2020: €8k
2021: €4k
2022: €23k
2023: €26k
2024: €53k
2018 → 2025
Working capital
€315k▲ 1.2%
2024 · €311k
2018: €168k
2019: €210k
2020: €218k
2021: €222k
2022: €241k
2023: €250k
2024: €311k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€114k-€138k▲ 21.4%€130k▼ 6.4%€152k▲ 17.4%€142k▼ 6.5%
Equity€260k-€283k▲ 8.9%€308k▲ 9.0%€362k▲ 17.3%€371k▲ 2.7%
Operating result€10k-€27k▲ 180%€36k▲ 31.7%€57k▲ 58.6%€35k▼ 38.3%
Net result€4k-€23k▲ 478%€26k▲ 10.3%€53k▲ 109%€10k▼ 82.0%
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 38% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €457k
Fixed assets
€56k▼ 6.8%
Current assets
€401k▲ 4.8%
Equity and liabilities €457k
Equity
€371k▲ 2.7%
Debt
€86k▲ 5.8%
The debt ratio rises from 18.3% to 18.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€46k▼
2024 · €65k
Cash flow
€21k▼
2024 · €61k
Solvency
81.2%▼
2024 · 81.7%
Current ratio
4.67▼
2024 · 5.38
Quick ratio
4.67▼
2024 · 5.38
Debt / equity
0.23▲
2024 · 0.22
ROE
2.6%▼
2024 · 14.8%
ROA
2.1%▼
2024 · 12.1%
Interest coverage
104.99▲
2024 · 88.91
Debt
€86k▲
2024 · €81k
Debt ≤ 1 year
€86k▲
2024 · €71k
Income taxes
€25k▲
2024 · €3k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€443k€457k▲
Fixed assets21/28€61k€56k▼
Tangible fixed assets22/27€46k€41k▼
Land and buildings22€45k€38k▼
Furniture and vehicles24€500€4k▲
Financial fixed assets28€15k€15k=
Current assets29/58€382k€401k▲
Amounts receivable within one year40/41€14k€47k▲
Trade receivables40€14k€47k▲
Current investments50/53€368k€354k▼
Deferred charges and accrued income490/1€380-
Equity and liabilities
Total equity and liabilities10/49€443k€457k▲
Equity10/15€362k€371k▲
Contributions10/11€7k€7k=
Reserves13€78k€87k▲
Non-distributable reserves130/1€78k€87k▲
Reserves not available under the articles1311€1k€1k=
Other1319€77k€86k▲
Profit (loss) carried forward14€277k€277k=
Amounts payable17/49€81k€86k▲
Amounts payable after more than one year17€10k-
Financial debts170/4€10k-
Amounts payable within one year42/48€71k€86k▲
Trade debts44€5k€5k=
Suppliers440/4€5k€5k=
Taxes, remuneration and social security45€7k€5k▼
Remuneration and social security454/9€7k€5k▼
Other amounts payable47/48€59k€76k▲
Income statement
Code20242025
Turnover70€152k€142k▼
Goods, raw materials, services and sundry goods60/61€85k€94k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€11k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€67k€48k▼
Operating profit (loss)9901€57k€35k▼
Financial charges65/66B€732€442▼
Recurring financial charges65€732€442▼
Profit (loss) for the period before taxes9903€57k€35k▼
Income taxes67/77€3k€25k▲
Profit (loss) for the period9904€53k€10k▼
Profit (loss) for the period to be appropriated9905€53k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€331k€287k▼
Profit (loss) brought forward from the previous period14P€277k€277k=
Transfer to equity691/2€53k€10k▼
To other reserves6921€53k€10k▼
The notes to these accounts (6 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
07-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
15-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €53k ▲109%
Operating result €57k, net result €53k, both a record.
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
31-12
Financial
Equity above €200kEq €247k ▲24.2%
Equity rises from €199k to €247k.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 1 day late
2017
26-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Oudergem · 1 establishment unit since 2008
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.
Kolonel Daumerielaan 341160 OudergemGround area
6,448 m²
Building footprint
587 m²
Volume, LiDAR
11,412 m³
2 parcels, Brussels · tallest building 25.2 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Jules Du Jardinlaan 29, 1150 Sint-Pieters-Woluwe
since 20082.173.763.466
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21683D0349/00W000 | Brussels | 5,940 m² | 1 · 496 m² | 25.2 m · 7 fl. |
| 21332C0051/00Y013 | Brussels | 508 m² | 1 · 92 m² | 10.9 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 36,823 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-09-2008
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
46190Agents in non-specialised wholesale trade
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0476/559628