PHI CONSULTING
ActivePHI CONSULTING has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €259k and a net result of €50k. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 90% of 15368 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
97
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability91▼-1
Solvency100=
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 10.63 against 10.46 in 2023; short-term debt: 9.4% and cash: 58.7% of total assets), and 9.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
90.6%
Return on assets
17.5%
Age of the figures
21 mo
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €259k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-06-2025, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
36 d early
2023
29 d late
2022
4 d early
2021
31 d early
2020
45 d early
2019
31 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€259k▲ 23.0%
2023 · €210k
2018: €234k
2019: €252k
2020: €246k
2021: €178k
2022: €169k
2023: €210k
2018 → 2024
Total assets
€286k▲ 22.8%
2023 · €233k
2018: €241k
2019: €259k
2020: €258k
2021: €192k
2022: €185k
2023: €233k
2018 → 2024
Net result
€50k▲ 15.0%
2023 · €43k
2018: €35k
2019: €20k
2020: €24k
2021: €23k
2022: €25k
2023: €43k
2018 → 2024
Working capital
€258k▲ 23.3%
2023 · €210k
2018: €199k
2019: €226k
2020: €226k
2021: €167k
2022: €167k
2023: €210k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€246k-€178k▼ 27.7%€169k▼ 5.1%€210k▲ 24.8%€259k▲ 23.0%
Operating result€33k-€33k▼ 2.6%€36k▲ 9.7%€61k▲ 72.0%€69k▲ 13.1%
Net result€24k-€23k▼ 5.1%€25k▲ 8.3%€43k▲ 77.4%€50k▲ 15.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 13% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €286k
Fixed assets
€378▼ 58.5%
Current assets
€285k▲ 23.1%
Equity and liabilities €286k
Equity
€259k▲ 23.0%
Debt
€27k▲ 21.1%
The debt ratio falls from 9.5% to 9.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€70k▲
2023 · €62k
Cash flow
€51k▲
2023 · €44k
Solvency
90.6%▲
2023 · 90.5%
Current ratio
10.63▲
2023 · 10.46
Quick ratio
10.63▲
2023 · 10.46
Debt / equity
0.10▼
2023 · 0.11
ROE
19.3%▼
2023 · 20.7%
ROA
17.5%▼
2023 · 18.7%
Interest coverage
1762.23▲
2023 · 699.84
Debt
€27k▲
2023 · €22k
Debt ≤ 1 year
€27k▲
2023 · €22k
Income taxes
€20k▲
2023 · €18k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€233k€286k▲
Fixed assets21/28€910€378▼
Tangible fixed assets22/27€910€378▼
Furniture and vehicles24€910€378▼
Current assets29/58€232k€285k▲
Amounts receivable within one year40/41€20k€16k▼
Trade receivables40€20k€16k▼
Current investments50/53-€100k
Cash at bank and in hand54/58€211k€168k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€233k€286k▲
Equity10/15€210k€259k▲
Contributions10/11€12k€12k=
Reserves13€198k€246k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€198k€246k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€22k€27k▲
Amounts payable within one year42/48€22k€27k▲
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€16k€22k▲
Taxes450/3€16k€21k▲
Remuneration and social security454/9-€1k
Other amounts payable47/48€2k€3k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€532€532=
Other operating charges640/8€579€755▲
Gross operating margin9900€62k€71k▲
Operating profit (loss)9901€61k€69k▲
Financial income75/76B-€380
Recurring financial income75-€380
Financial charges65/66B€88€40▼
Recurring financial charges65€88€40▼
Profit (loss) for the period before taxes9903€61k€70k▲
Income taxes67/77€18k€20k▲
Profit (loss) for the period9904€43k€50k▲
Profit (loss) for the period to be appropriated9905€43k€50k▲
Appropriation of the result
Profit (loss) to be appropriated9906€43k€50k▲
Transfer from equity791/2€0-
Transfer to equity691/2€42k€48k▲
To other reserves6921€42k€48k▲
Profit to be distributed694/7€2k€2k▲
Return on contributions (dividend)694€2k€2k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €50k ▲15%
Operating result €69k, net result €50k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Equity above €200kEq €210k ▲24.8%
6 profitable years in a row build equity to €210k.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
16-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €20k ▼41.5%
Net result drops to €20k, the lowest in the series; recovery starts the following year.
19-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
14-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
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, Mol · 1 establishment unit since 2004
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.
Vijverstraat 292400 MolGround area
949 m²
Building footprint
131 m²
Volume, LiDAR
792 m³
Parcel 13434F1337/00H000, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PHI CONSULTING
since 20042.246.241.767
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13434F1337/00H000 | Flanders | 949 m² | 1 · 131 m² | 8.8 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 850 EUR awarded · 850 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 221 EUR | 221 EUR |
| 2024 | 1 | 218 EUR | 218 EUR |
| 2023 | 1 | 210 EUR | 210 EUR |
| 2022 | 1 | 201 EUR | 201 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
64887M205GX2AMVY7365
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Of 12,175 companies in sector 69201 we hold annual accounts for 7,638. 6,189 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-02-2004
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
74124
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.