Phianthi

Active

Private limited companyfounded 2018active for 8 yearsGentse Steenweg 164, 9620 Zottegem, BelgiumKBO/BCE: BE 0688.813.133

Summary

The annual accounts of Phianthi for financial year 2025 show a net loss of 83% of the equity at the start of that year. The 2025 annual accounts show equity of €922 and a net result of -€4,657. Equity is growing by about 15% per year across the filed financial years. Its solvency ranks better than 30% of 1,595 sector peers (NACE 55, financial year 2025). The company has been active since 2018 and the Belgian Official Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.6% (low).

Risk analysisFollow Report Compare

PhianthiActiveChecked score 55/100

Risk analysis Report Compare

Activity

Holiday cottages, homes and apartments

NACE 55203

1 site

Size

≈ €180,000turnover 2025, estimated

Staff: ≈ 0 FTE, estimated
Equity: €922
Loss: -€4,657

Turnover estimated from the gross margin

Financial health

55 Fair Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.6%

Structure

Anne Van SnickDirector

2025 accounts 31 days early1 of 2 deeds summarised

Why 55raises riskCapped at 59: a net loss of at least half of total assets or of the equity at the start of the financial yearEquity €922 (0.3% of total assets)Sector: Accommodation (NACE 55)lowers riskSize: total assets €266,547Figures for financial year 2025 (filed 30-06-2026)Show the evidence

Checked score

Score 2025

55 / 100

Fair

Probability in this band: 1.5% to 4.2%

Financially better than 40% of its sector peers (NACE 55, micro)

A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59. Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Average

Solvency 25-2

equity 0.3% of total assets

Liquidity 56=

short-term debt 13.7% · cash 6.6%

Profitability 67-2

return on assets -1.7%

Bankruptcy probability, 12 months

0.6% Low

0%0.5%1.5%4%10%≥ 25%

About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (2,518 companies, NACE 55, micro)

Last 24 months 11-2024: 1.0% 12-2024: 1.0%● unchanged vs 11-2024 01-2025: 1.0%● unchanged vs 12-2024 02-2025: 1.0%● unchanged vs 01-2025 03-2025: 1.0%● unchanged vs 02-2025 04-2025: 1.0%● unchanged vs 03-2025 05-2025: 1.0%● unchanged vs 04-2025 06-2025: 1.0%● unchanged vs 05-2025 07-2025: 1.1%▲ +0.1 percentage points vs 06-2025 08-2025: 1.7%▲ +0.6 percentage points vs 07-2025highest value 09-2025: 0.6%▼ -1.1 percentage points vs 08-2025 10-2025: 0.6%● unchanged vs 09-2025 11-2025: 0.6%● unchanged vs 10-2025 12-2025: 0.6%● unchanged vs 11-2025 01-2026: 0.5%▼ -0.1 percentage points vs 12-2025 02-2026: 0.5%● unchanged vs 01-2026 03-2026: 0.5%● unchanged vs 02-2026 04-2026: 0.5%● unchanged vs 03-2026 05-2026: 0.5%● unchanged vs 04-2026 06-2026: 0.5%● unchanged vs 05-2026lowest value 07-2026: 0.5%● unchanged vs 06-2026 08-2026: 0.7%▲ +0.2 percentage points vs 07-2026 09-2026: 1.0%▲ +0.3 percentage points vs 08-2026 10-2026: 0.6%▼ -0.4 percentage points vs 09-2026

No publishable credit limit; credit only on tighter terms

Net loss of at least half of total assets or of the equity at the start of the financial year.

Liquidity insufficient (current ratio 0.57, compared with 0.53 in 2024, below 1; short-term debt: 13.7% and cash: 6.6% of total assets), and 99.7% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 55, micro): better than 29% on solvency, 70% on liquidity, 53% on profitability and 8% on growth.

The bankruptcy probability was computed on 30-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

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Signals

Five signals.

lowers riskraises riskneutral

Size: total assets €266,547

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Equity €922 (0.3% of total assets)

NBB · annual accounts

Figures for financial year 2025 (filed 30-06-2026)

NBB · annual accounts

Sector: Accommodation (NACE 55)

KBO

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-06-2026, 31 days ahead of the deadline.

NBB · 8 filings

Deviation from the deadline

2025

31 days early

2024

13 days late

2023

16 days early

2022

9 days late

2021

32 days early

2020

18 days early

2019

26 days 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 7 days before the deadline; the sector median (NACE 55) for financial year 2024 is 1 day before the deadline, and 45% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 16 July (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

31-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

30-06-2026 Annual accounts filedfinancial year 2025 · micro…
13-08-2025 Annual accounts filedfinancial year 2024 · micro…
31-12-2024 Back to profitnet €814

Key points

One director decidessole director in office 1 View
Total assets 20256 financial years filed €266,547 View
Active since 2018founded 24-01-2018 8 years View

By topic

Financials

Financial year: 2025
Total assets: €266,547
Loss: -€4,657
Solvency: 0.3%

Total assets▼ 13.4%

Net result

20182025

Go to Financials

Board & ownership

Board: 1 member

Anne Van SnickDirector

Go to Board & ownership

Timeline

Events: 12
Since: 2019
Next accounts: by 31-07-2027

15-07-2024Annual accounts filed
10-01-2024Resignation: Philippe DAESELEIRE (statutory manager)
09-08-2023Annual accounts filed

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Holiday cottages, homes and apartmentsNACE 55203
Founded: 24-01-2018
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 28

Who signs: Each director alone
Annual meeting: Last Monday of June at 19:00
Purpose: “Het verschaffen van logies voor verblijf in vakantiewoningen, dit mogelijks maar niet…” (deed in Dutch)

Go to Articles of association

Key facts about Phianthi

What is the company number of Phianthi?: 0688.813.133. In Belgium the VAT number is the company number with BE in front: BE 0688.813.133.
Where is Phianthi based?: The registered office is at Gentse Steenweg 164, 9620 Zottegem.Company details
What does Phianthi do?: According to the KBO register, the main activity is holiday cottages, homes and apartments (NACE 55203).
What is the legal form of Phianthi?: Private limited company (BV).
When was Phianthi founded?: On 24-01-2018.
Is Phianthi still active?: Yes, Phianthi is an active enterprise in the KBO register.
What is the turnover of Phianthi?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is Phianthi profitable?: In financial year 2025, Phianthi made a loss of €4,657.
Where can I find the annual accounts of Phianthi?: Phianthi filed 8 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Phianthi due?: By 31-07-2027, for financial year 2026.Timeline