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PHIBIO

Active
Private limited companyfounded 20178 yrs activeLivornostraat 7, 1060 Sint-Gillis (bij-Brussel), BelgiumKBO/BCE: BE 0685.532.058
Summary

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.
Credit check for your own amount and term

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 →
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, 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 filings
Deviation 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 months
Position in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Turnover
€1.03M▲ 89.7%
2020 · €543k
2019: €318klowest in 3 years 2020: €543k▲ +70.6% vs 2019 2021: €1.03M▲ +89.7% vs 2020highest in 3 years
2019 → 2021
EBIT margin
68.0%▲ 29.6pp
2020 · 38.4%
2019: -16.3%lowest in 3 years 2020: 38.4%▲ +336% vs 2019 2021: 68.0%▲ +77.1% vs 2020highest in 3 years
2019 → 2021
Net result
€187k▼ 50.0%
2024 · €375k
2018: €9k 2019: €-77k▼ -931% vs 2018lowest in 8 years 2020: €156k▲ +303% vs 2019 2021: €506k▲ +224% vs 2020highest in 8 years 2022: €360k▼ -28.9% vs 2021 2023: €241k▼ -33.1% vs 2022 2024: €375k▲ +55.7% vs 2023 2025: €187k▼ -50.0% vs 2024
2018 → 2025
Working capital
€2.61M▲ 15.6%
2024 · €2.26M
2018: €23k 2019: €-56k▼ -342% vs 2018lowest in 8 years 2020: €300k▲ +634% vs 2019 2021: €563k▲ +87.8% vs 2020 2022: €943k▲ +67.4% vs 2021 2023: €1.79M▲ +89.6% vs 2022 2024: €2.26M▲ +26.2% vs 2023 2025: €2.61M▲ +15.6% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20212022202320242025Trend
Turnover€1.03M-
Equity€2.97M-€3.33M▲ 12.1%€3.57M▲ 7.2%€3.94M▲ 10.5%€4.13M▲ 4.6% 2021: €2.97Mlowest in 5 years 2022: €3.33M▲ +12.1% vs 2021 2023: €3.57M▲ +7.2% vs 2022 2024: €3.94M▲ +10.5% vs 2023 2025: €4.13M▲ +4.6% vs 2024highest in 5 years
Operating result€700k-€437k▼ 37.6%€297k▼ 31.9%€482k▲ 62.1%€205k▼ 57.5% 2021: €700khighest in 5 years 2022: €437k▼ -37.6% vs 2021 2023: €297k▼ -31.9% vs 2022 2024: €482k▲ +62.1% vs 2023 2025: €205k▼ -57.5% vs 2024lowest in 5 years
Net result€506k-€360k▼ 28.9%€241k▼ 33.1%€375k▲ 55.7%€187k▼ 50.0% 2021: €506khighest in 5 years 2022: €360k▼ -28.9% vs 2021 2023: €241k▼ -33.1% vs 2022 2024: €375k▲ +55.7% vs 2023 2025: €187k▼ -50.0% vs 2024lowest in 5 years
Result per fiscal year
Operating resultNet result
€0€200k€400k€600k€800kOperating result 2021: €700k€700kNet result 2021: €506k€506kOperating result 2022: €437k€437kNet result 2022: €360k€360kOperating result 2023: €297k€297kNet result 2023: €241k€241kOperating result 2024: €482k€482kNet result 2024: €375k€375kOperating result 2025: €205k€205kNet result 2025: €187k€187k20212022202320242025€0€200k€400kOperating result 2023: €297k€297kNet result 2023: €241k€241kOperating result 2024: €482k€482kNet result 2024: €375k€375kOperating result 2025: €205k€205kNet result 2025: €187k€187k202320242025
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
2025 value · change against 2024
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.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet Code20242025
Assets
Total assets20/58€5.07M€5.39M▲
Fixed assets21/28€2.40M€2.41M▲
Tangible fixed assets22/27€23k€25k▲
Furniture and vehicles24€23k€19k▼
Other tangible fixed assets26-€6k
Financial fixed assets28€2.38M€2.38M▲
Current assets29/58€2.67M€2.98M▲
Amounts receivable after more than one year29€1.11M€1.52M▲
Other amounts receivable291€1.11M€1.52M▲
Amounts receivable within one year40/41€1.30M€1.35M▲
Trade receivables40€103k-
Other amounts receivable41€1.19M€1.35M▲
Cash at bank and in hand54/58€39k€3k▼
Deferred charges and accrued income490/1€221k€110k▼
Equity and liabilities
Total equity and liabilities10/49€5.07M€5.39M▲
Equity10/15€3.94M€4.13M▲
Contributions10/11€2.39M€2.39M=
Profit (loss) carried forward14€1.56M€1.74M▲
Amounts payable17/49€1.13M€1.27M▲
Amounts payable after more than one year17€714k€890k▲
Financial debts170/4€714k€890k▲
Amounts payable within one year42/48€412k€376k▼
Current portion of amounts payable after more than one year42€164k€68k▼
Financial debts43€6k€166k▲
Credit institutions430/8€6k€166k▲
Trade debts44€17k€14k▼
Suppliers440/4€17k€14k▼
Taxes, remuneration and social security45€223k€129k▼
Taxes450/3€202k€110k▼
Remuneration and social security454/9€21k€18k▼
Other amounts payable47/48€2k-
Income statement Code20242025
Non-recurring operating income76A-€2k
Remuneration, social security and pensions62€6k€26k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▲
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A€-2k€-743▲
Gross operating margin9900€493k€237k▼
Operating profit (loss)9901€482k€205k▼
Financial income75/76B€121k€163k▲
Recurring financial income75€121k€163k▲
Financial charges65/66B€68k€71k▲
Recurring financial charges65€68k€71k▲
Profit (loss) for the period before taxes9903€535k€297k▼
Income taxes67/77€161k€110k▼
Profit (loss) for the period9904€375k€187k▼
Profit (loss) for the period to be appropriated9905€375k€187k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.56M€1.74M▲
Profit (loss) brought forward from the previous period14P€1.19M€1.55M▲

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Accounts by statement
Line20212022202320242025Change
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%
Line20212022202320242025Change
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---
Line20212022202320242025Change
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.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
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
seat establishment The establishment unit on the map
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
Livornostraat 7, 1060 Sint-Gillis (bij-Brussel)Wholesale trade
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.

Similar companies · same sector, comparable size

Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 12,845 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.