PHI ECKER
ActivePHI ECKER has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €106k and a net result of €81k. Equity is growing by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 84% of 17007 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
98
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 7.5 against 18.23 in 2024; short-term debt: 12.7% and cash: 32.4% of total assets), and 12.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 62
Relative position
BE, all sectors
reference
Sector 62
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
87.3%
Return on assets
67%
Age of the figures
9 mo
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 09-06-2026, 52 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
52 d early
2024
13 d early
2023
47 d early
2022
54 d early
2021
12 d early
2020
30 d early
2019
30 d early
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€106k▲ 6.2%
2024 · €100k
2018: €50k
2019: €85k
2020: €134k
2021: €138k
2022: €100k
2023: €100k
2024: €100k
2018 → 2025
Total assets
€121k▲ 15.4%
2024 · €105k
2018: €65k
2019: €97k
2020: €149k
2021: €141k
2022: €103k
2023: €162k
2024: €105k
2018 → 2025
Net result
€81k▲ 7.1%
2024 · €76k
2018: €44k
2019: €35k
2020: €49k
2021: €41k
2022: €42k
2023: €31k
2024: €76k
2018 → 2025
Working capital
€100k▲ 7.9%
2024 · €93k
2018: €46k
2019: €82k
2020: €124k
2021: €129k
2022: €90k
2023: €92k
2024: €93k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€138k-€100k▼ 27.6%€100k▲ 0.6%€100k▼ 0.7%€106k▲ 6.2%
Operating result€52k-€53k▲ 2.8%€39k▼ 26.9%€96k▲ 146%€103k▲ 7.3%
Net result€41k-€42k▲ 2.5%€31k▼ 27.1%€76k▲ 148%€81k▲ 7.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 7% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €121k
Fixed assets
€6k▼ 17.0%
Current assets
€115k▲ 17.7%
Equity and liabilities €121k
Equity
€106k▲ 6.2%
Debt
€15k▲ 186%
The debt ratio rises from 5.1% to 12.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€104k▲
2024 · €97k
Cash flow
€82k▲
2024 · €77k
Solvency
87.3%▼
2024 · 94.9%
Current ratio
7.50▼
2024 · 18.23
Quick ratio
4.72▼
2024 · 10.73
Debt / equity
0.15▲
2024 · 0.05
ROE
76.8%▲
2024 · 76.1%
ROA
67.0%▼
2024 · 72.2%
Interest coverage
451.90▼
2024 · 546.39
Debt
€15k▲
2024 · €5k
Debt ≤ 1 year
€15k▲
2024 · €5k
Income taxes
€21k▲
2024 · €20k
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€105k€121k▲
Fixed assets21/28€7k€6k▼
Tangible fixed assets22/27€7k€6k▼
Other tangible fixed assets26€7k€6k▼
Current assets29/58€98k€115k▲
Stocks and contracts in progress3€40k€43k▲
Stocks30/36€40k€43k▲
Amounts receivable within one year40/41€32k€33k▲
Trade receivables40€30k€32k▲
Other amounts receivable41€2k€289▼
Cash at bank and in hand54/58€25k€39k▲
Deferred charges and accrued income490/1€520€550▲
Equity and liabilities
Total equity and liabilities10/49€105k€121k▲
Equity10/15€100k€106k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€79k€85k▲
Amounts payable17/49€5k€15k▲
Amounts payable within one year42/48€5k€15k▲
Trade debts44€299€548▲
Suppliers440/4€299€548▲
Taxes, remuneration and social security45€3k€11k▲
Taxes450/3€3k€11k▲
Other amounts payable47/48€2k€4k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k=
Other operating charges640/8€324€331▲
Gross operating margin9900€97k€104k▲
Operating profit (loss)9901€96k€103k▲
Financial income75/76B€79€121▲
Recurring financial income75€79€121▲
Financial charges65/66B€177€230▲
Recurring financial charges65€177€230▲
Profit (loss) for the period before taxes9903€95k€102k▲
Income taxes67/77€20k€21k▲
Profit (loss) for the period9904€76k€81k▲
Profit (loss) for the period to be appropriated9905€76k€81k▲
Appropriation of the result
Profit (loss) to be appropriated9906€156k€160k▲
Profit (loss) brought forward from the previous period14P€80k€79k▼
Transfer from equity791/2€2k€0▼
Transfer to equity691/2€2k€0▼
To other reserves6921€2k€0▼
Profit to be distributed694/7€76k€75k▼
Return on contributions (dividend)694€76k€75k▼
The notes to these accounts (5 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
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €81k ▲7.1%
Operating result €103k, net result €81k, both a record.
31-12
Financial
Equity above €100kEq €106k ▲6.2%
8 profitable years in a row build equity to €106k.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 7current ratio 18.23
Current ratio from 2.50 to 18.23; short-term debt falls from €62k to €5k.
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €31k ▼27.1%
Net result drops to €31k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €100k ▲0.6%
6 profitable years in a row build equity to €100k.
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity quadruplescurrent ratio 36.30
Current ratio from 9.36 to 36.30; short-term debt falls from €15k to €4k.
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €134k ▲57.8%
3 profitable years in a row build equity to €134k.
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Grimbergen · 1 establishment unit since 2017
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.
Brusselsesteenweg 491850 GrimbergenGround area
123 m²
Building footprint
123 m²
Volume, LiDAR
648 m³
Parcel 23402E0200/00G002, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Brusselsesteenweg 49, 1850 Grimbergen
since 20172.268.402.012
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23402E0200/00G002 | Flanders | 123 m² | 1 · 123 m² | 9.4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteGrimbergen2.268.402.012
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Of 16,886 companies in sector 62100 we hold annual accounts for 8,776. 6,949 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-10-2017
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
47252Retail sale of beverages, general range
56301Cafés and bars
62020IT consultancy
62030Computer programming, consultancy and related activities
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.