PHIBIO
ActiveSummary
PHIBIO has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4.13M and a net result of €187k. Equity is growing by ~9.6% per year across the filed fiscal years. Its solvency ranks better than 72% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability48▼-30
Solvency100=
Growth85=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €300k at 30 days acceptable
Liquidity ample (current ratio 7.93 against 6.47 in 2024; short-term debt: 7% and cash: 0.1% of total assets), and 23.5% of the assets are financed with debt.
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Signals
Four 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
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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
76.5%
Return on assets
3.5%
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 13-07-2026, 18 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
18 d early
2024
3 d early
2023
on the day
2022
51 d late
2021
26 d early
2020
24 d early
2019
23 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Roughly what is this company worth?Value indication
Financials · fiscal year 2025, micro schema
Turnover
€1.03M▲ 89.7%
2020 · €543k
EBIT margin
68.0%▲ 29.6pp
2020 · 38.4%
Net result
€187k▼ 50.0%
2024 · €375k
Working capital
€2.61M▲ 15.6%
2024 · €2.26M
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€1.03M▲ 89.7%
Operating result€700k▲ 236%€437k▼ 37.6%€297k▼ 31.9%€482k▲ 62.1%€205k▼ 57.5%
Net result€506k▲ 224%€360k▼ 28.9%€241k▼ 33.1%€375k▲ 55.7%€187k▼ 50.0%
EBIT margin68.0%▲ 29.6pp
Equity€2.97M▲ 20.5%€3.33M▲ 12.1%€3.57M▲ 7.2%€3.94M▲ 10.5%€4.13M▲ 4.6%
Total assets€3.25M▲ 2.0%€3.71M▲ 13.9%€4.56M▲ 23.0%€5.07M▲ 11.2%€5.39M▲ 6.3%
Debt€283k▼ 60.9%€377k▲ 33.3%€989k▲ 162%€1.13M▲ 13.9%€1.27M▲ 12.4%
Working capital€563k▲ 87.8%€943k▲ 67.4%€1.79M▲ 89.6%€2.26M▲ 26.2%€2.61M▲ 15.6%
Staff (FTE)1=1=1=
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 58% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.39M
Fixed assets
€2.41M ▲ 0.1%
Current assets
€2.98M ▲ 11.9%
Equity and liabilities €5.39M
Equity
€4.13M ▲ 4.6%
Debt
€1.27M ▲ 12.4%
Debt's share of the balance-sheet total rises from 22.2% to 23.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€210k▼
2024 · €487k
Cash flow
€192k▼
2024 · €380k
Current ratio
7.93▲
2024 · 6.47
Debt to equity
0.31▲
2024 · 0.29
ROE
4.5%▼
2024 · 9.5%
ROA
3.5%▼
2024 · 7.4%
Interest coverage
2.97▼
2024 · 7.19
Debt ≤ 1 year
€376k▼
2024 · €412k
Debt > 1 year
€890k▲
2024 · €714k
Income taxes
€110k▼
2024 · €161k
Staff costs
€26k▲
2024 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €1.03M | - | - | - | - | - |
| Non-recurring operating income76A | €197k | - | - | - | €2k | - |
| Goods, raw materials, services and sundry goods60/61 | €418k | - | - | - | - | - |
| Remuneration, social security and pensions62 | €97k | €53k | €130k | €6k | €26k | ▲ 326% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7k | €10k | €8k | €5k | €5k | ▲ 2.0% |
| Other operating charges640/8 | €1k | €3k | €12k | €2k | €2k | ▼ 4.1% |
| Non-recurring operating charges66A | - | - | €2k | €-2k | €-743 | ▲ 69.0% |
| Gross operating margin9900 | €805k | €502k | €450k | €493k | €237k | ▼ 51.8% |
| Operating profit (loss)9901 | €700k | €437k | €297k | €482k | €205k | ▼ 57.5% |
| Financial income75/76B | €358 | €72k | €75k | €121k | €163k | ▲ 34.8% |
| Recurring financial income75 | €358 | €72k | €75k | €121k | €163k | ▲ 34.8% |
| Financial charges65/66B | €4k | €5k | €31k | €68k | €71k | ▲ 4.3% |
| Recurring financial charges65 | €4k | €5k | €31k | €68k | €71k | ▲ 4.3% |
| Profit (loss) for the period before taxes9903 | €696k | €503k | €341k | €535k | €297k | ▼ 44.5% |
| Income taxes67/77 | €190k | €144k | €100k | €161k | €110k | ▼ 31.6% |
| Profit (loss) for the period9904 | €506k | €360k | €241k | €375k | €187k | ▼ 50.0% |
| Profit (loss) for the period to be appropriated9905 | €506k | €360k | €241k | €375k | €187k | ▼ 50.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.25M | €3.71M | €4.56M | €5.07M | €5.39M | ▲ 6.3% |
| Fixed assets21/28 | €2.41M | €2.40M | €2.39M | €2.40M | €2.41M | ▲ 0.1% |
| Tangible fixed assets22/27 | €29k | €19k | €11k | €23k | €25k | ▲ 10.3% |
| Furniture and vehicles24 | €29k | €19k | €11k | €23k | €19k | ▼ 17.2% |
| Other tangible fixed assets26 | - | - | - | - | €6k | - |
| Financial fixed assets28 | €2.38M | €2.38M | €2.38M | €2.38M | €2.38M | ▲ 0.1% |
| Current assets29/58 | €846k | €1.31M | €2.17M | €2.67M | €2.98M | ▲ 11.9% |
| Amounts receivable after more than one year29 | - | €1.11M | €1.11M | €1.11M | €1.52M | ▲ 37.0% |
| Other amounts receivable291 | - | €1.11M | €1.11M | €1.11M | €1.52M | ▲ 37.0% |
| Stocks and contracts in progress3 | €17k | €18k | - | - | - | - |
| Stocks30/36 | €17k | €18k | - | - | - | - |
| Amounts receivable within one year40/41 | €814k | €109k | €915k | €1.30M | €1.35M | ▲ 4.1% |
| Trade receivables40 | €796k | €105k | €126k | €103k | - | - |
| Other amounts receivable41 | €18k | €4k | €789k | €1.19M | €1.35M | ▲ 13.0% |
| Cash at bank and in hand54/58 | €12k | €224 | €3k | €39k | €3k | ▼ 92.6% |
| Deferred charges and accrued income490/1 | €3k | €69k | €140k | €221k | €110k | ▼ 50.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.25M | €3.71M | €4.56M | €5.07M | €5.39M | ▲ 6.3% |
| Equity10/15 | €2.97M | €3.33M | €3.57M | €3.94M | €4.13M | ▲ 4.6% |
| Contributions10/11 | €2.38M | €2.39M | €2.39M | €2.39M | €2.39M | = |
| Reserves13 | €9k | - | - | - | - | - |
| Non-distributable reserves130/1 | €9k | - | - | - | - | - |
| Reserves not available under the articles1311 | €9k | - | - | - | - | - |
| Profit (loss) carried forward14 | €585k | €944k | €1.19M | €1.56M | €1.74M | ▲ 11.6% |
| Amounts payable17/49 | €283k | €377k | €989k | €1.13M | €1.27M | ▲ 12.4% |
| Amounts payable after more than one year17 | - | €13k | €609k | €714k | €890k | ▲ 24.6% |
| Financial debts170/4 | - | €13k | €609k | €714k | €890k | ▲ 24.6% |
| Amounts payable within one year42/48 | €283k | €364k | €380k | €412k | €376k | ▼ 8.8% |
| Current portion of amounts payable after more than one year42 | - | - | €93k | €164k | €68k | ▼ 58.5% |
| Financial debts43 | €2k | €80k | €5k | €6k | €166k | ▲ 2,848% |
| Credit institutions430/8 | €2k | €80k | €5k | €6k | €166k | ▲ 2,848% |
| Trade debts44 | €753 | €35k | €82k | €17k | €14k | ▼ 20.3% |
| Suppliers440/4 | €753 | €35k | €82k | €17k | €14k | ▼ 20.3% |
| Taxes, remuneration and social security45 | €264k | €245k | €199k | €223k | €129k | ▼ 42.4% |
| Taxes450/3 | €239k | €236k | €134k | €202k | €110k | ▼ 45.6% |
| Remuneration and social security454/9 | €25k | €9k | €65k | €21k | €18k | ▼ 11.9% |
| Other amounts payable47/48 | €16k | €3k | €1k | €2k | - | - |
| Accrued charges and deferred income492/3 | €150 | €94 | €190 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €506k | €360k | €241k | €375k | €187k | ▼ 50.0% |
| + Depreciation and write-downs630 | €7k | €10k | €8k | €5k | €5k | ▲ 2.0% |
| Operating cash flow (approximation) | €513k | €369k | €249k | €380k | €192k | ▼ 49.3% |
| Investment in fixed assets (approximation) | - | €-3k | €0 | €-17k | €-9k | ▲ 48.3% |
| Change in cash | - | €-12k | €2k | €37k | €-36k | ▼ 199% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 51 days late
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €506k ▲224%
Operating result €700k, net result €506k, both a record.
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €156k
Net result €156k after one loss-making year.
08-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-77k
Net result drops to €-77k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 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, Sint-Gillis (bij-Brussel) · 1 establishment unit since 2018
Ground area
4,310 m²
Building footprint
692 m²
Volume, LiDAR
12,598 m³
Parcel 21013B0040/00C021, Brussels · tallest building 28.8 m, ±8 floors. Linked by address, not a title deed.
104
companies at this address
See who is registered here
1 establishment unit
PHIBIO
since 20182.272.956.062
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21013B0040/00C021 | Brussels | 4,310 m² | 1 · 692 m² | 28.8 m · 8 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,632 companies in sector 70200 we hold annual accounts for 52,587. 12,846 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded30-11-2017
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.