PHICHA.COM
ActiveSummary
PHICHA.COM has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-6k) and a net result of €5k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 8% of 3200 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+2
Solvency22▲+2
Growth85=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.59 against 0.5 in 2024; short-term debt: 90% and cash: 0.5% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Six 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
Sector 70
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-2.7%
Return on assets
2.6%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 3200 sector peers (2025).
NBB · sector comparisonPosition among 3200 sector peers
Solvency
better than 8%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-12-2025, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
36 d early
2024
6 d early
2023
6 d early
2022
5 d early
2021
3 d early
2020
13 d late
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€367k▲ 3.5%
2024 · €354k
2019: €105k
2020: €133k
2021: €162k
2022: €220k
2023: €406k
2024: €354k
2019 → 2025
EBIT margin
2.1%▲ 0.9pp
2024 · 1.3%
2019: -32.8%
2020: -20.9%
2021: -4.8%
2022: 8.9%
2023: 5.7%
2024: 1.3%
2019 → 2025
Net result
€5k▲ 147%
2024 · €2k
2019: €-40k
2020: €-28k
2021: €-8k
2022: €18k
2023: €21k
2024: €2k
2019 → 2025
Working capital
€-77k▲ 21.5%
2024 · €-98k
2019: €-37k
2020: €-55k
2021: €-56k
2022: €-152k
2023: €-77k
2024: €-98k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€162k-€220k▲ 35.6%€406k▲ 84.3%€354k▼ 12.7%€367k▲ 3.5%
Equity€-51k-€-34k▲ 34.1%€-13k▲ 61.1%€-11k▲ 16.5%€-6k▲ 49.0%
Operating result€-8k-€19k€23k▲ 17.7%€5k▼ 80.2%€8k▲ 72.1%
Net result€-8k-€18k€21k▲ 18.0%€2k▼ 89.5%€5k▲ 147%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 72% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €210k
Fixed assets
€98k ▼ 25.8%
Current assets
€112k ▲ 16.2%
Key figures and ratios
EBITDA
€42k▲
2024 · €40k
Cash flow
€39k▲
2024 · €37k
Solvency
-2.7%▲
2024 · -4.8%
Current ratio
0.59▲
2024 · 0.50
Quick ratio
0.58▲
2024 · 0.47
Debt to equity
-38.58▼
2024 · -21.83
ROA
2.6%▲
2024 · 1.0%
Interest coverage
15.66▼
2024 · 16.65
Debt
€216k▼
2024 · €240k
Debt ≤ 1 year
€189k▼
2024 · €195k
Debt > 1 year
€27k▼
2024 · €45k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€229k€210k▼
Fixed assets21/28€132k€98k▼
Tangible fixed assets22/27€132k€98k▼
Plant, machinery and equipment23€53k€44k▼
Furniture and vehicles24€79k€54k▼
Current assets29/58€97k€112k▲
Stocks and contracts in progress3€5k€3k▼
Stocks30/36€5k€3k▼
Amounts receivable within one year40/41€91k€109k▲
Trade receivables40€86k€108k▲
Other amounts receivable41€5k€1k▼
Cash at bank and in hand54/58€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€229k€210k▼
Equity10/15€-11k€-6k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-31k€-26k▲
Amounts payable17/49€240k€216k▼
Amounts payable after more than one year17€45k€27k▼
Financial debts170/4€45k€27k▼
Amounts payable within one year42/48€195k€189k▼
Current portion of amounts payable after more than one year42€18k€18k▲
Financial debts43€5k€2k▼
Credit institutions430/8€5k€2k▼
Trade debts44€14k€16k▲
Suppliers440/4€14k€16k▲
Other amounts payable47/48€158k€153k▼
Income statement
Code20242025
Turnover70€354k€367k▲
Goods, raw materials, services and sundry goods60/61€313k€323k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€34k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€42k€43k▲
Operating profit (loss)9901€5k€8k▲
Financial income75/76B€12€223▲
Recurring financial income75€12€223▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€2k€5k▲
Profit (loss) for the period9904€2k€5k▲
Profit (loss) for the period to be appropriated9905€2k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-31k€-26k▲
Profit (loss) brought forward from the previous period14P€-34k€-31k▲
The notes to these accounts (6 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
2025
26-12
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
25-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
25-01
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-06
Financial
Highest result since 2019net €21k ▲18%
Operating result €23k, net result €21k, both a record.
26-01
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-06
Financial
Back to profitnet €18k
Net result €18k after 3 loss-making years.
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
13-02
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 13 days late
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
28-02
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 28 days late
2015
28-08
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Ukkel · 1 establishment unit since 2009
Ground area
104 m²
Building footprint
105 m²
Volume, LiDAR
1,063 m³
Parcel 21612C0277/00F000, Brussels · tallest building 13.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
PCC
since 20092.182.063.401
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21612C0277/00F000 | Brussels | 104 m² | 1 · 105 m² | 13.7 m · 4 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.
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 32,879 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded09-10-2009
Fiscal year end30-06
Activities, NACEBEL 2025
70200Business and other management consultancy
43350Other building finishing work
43990Other specialised construction activities
46190Agents in non-specialised wholesale trade
74130Interior design
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0475/45.54.55