PHID
ActiveSummary
PHID has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €354 and a net result of €115k. Equity is growing by ~31.8% per year across the filed fiscal years. Its solvency ranks better than 10% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability93▲+13
Solvency25▼-61
Growth58▼-20
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
0.1%
Return on assets
19.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 31694 sector peers (2025).
NBB · sector comparisonPosition among 31694 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
31 d late
2024
30 d late
2023
29 d late
2022
30 d late
2021
30 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€354▼ 99.9%
2024 · €630k
2021: €87k
2022: €361k
2023: €535k
2024: €630k
2021 → 2025
Total assets
€594k▼ 42.6%
2024 · €1.04M
2021: €134k
2022: €927k
2023: €1.06M
2024: €1.04M
2021 → 2025
Net result
€115k▲ 20.2%
2024 · €95k
2021: €87k
2022: €275k
2023: €173k
2024: €95k
2021 → 2025
Working capital
€8k▼ 98.7%
2024 · €641k
2021: €87k
2022: €377k
2023: €549k
2024: €641k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€87k-€361k▲ 316%€535k▲ 48.0%€630k▲ 17.9%€354▼ 99.9%
Operating result€110k-€400k▲ 264%€226k▼ 43.5%€120k▼ 46.7%€126k▲ 4.9%
Net result€87k-€275k▲ 216%€173k▼ 36.9%€95k▼ 44.9%€115k▲ 20.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 5% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €594k
Fixed assets
€281k ▼ 6.3%
Current assets
€313k ▼ 57.5%
Equity and liabilities €594k
Equity
€354 ▼ 99.9%
Debt
€594k ▲ 46.4%
Debt's share of the balance-sheet total rises from 39.2% to 99.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€145k▲
2024 · €139k
Cash flow
€134k▲
2024 · €114k
Current ratio
1.03▼
2024 · 7.74
ROA
19.3%▲
2024 · 9.2%
Interest coverage
12.63▲
2024 · 11.20
Debt ≤ 1 year
€305k▲
2024 · €95k
Debt > 1 year
€289k▼
2024 · €311k
Income taxes
€10k▼
2024 · €27k
Equity ratios withheld: equity of €354 is too small for a meaningful ratio.
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.04M€594k▼
Fixed assets21/28€300k€281k▼
Tangible fixed assets22/27€300k€281k▼
Land and buildings22€297k€280k▼
Furniture and vehicles24€3k€858▼
Current assets29/58€736k€313k▼
Amounts receivable within one year40/41€516k€154k▼
Trade receivables40-€10k
Other amounts receivable41€516k€144k▼
Cash at bank and in hand54/58€190k€119k▼
Deferred charges and accrued income490/1€30k€40k▲
Equity and liabilities
Total equity and liabilities10/49€1.04M€594k▼
Equity10/15€630k€354▼
Contributions10/11€1€1=
Reserves13€630k-
Distributable reserves133€630k-
Profit (loss) carried forward14-€353
Amounts payable17/49€406k€594k▲
Amounts payable after more than one year17€311k€289k▼
Financial debts170/4€311k€289k▼
Amounts payable within one year42/48€95k€305k▲
Current portion of amounts payable after more than one year42€21k€21k▲
Trade debts44€4k€4k▲
Suppliers440/4€4k€4k▲
Taxes, remuneration and social security45€70k€9k▼
Taxes450/3€70k€9k▼
Other amounts payable47/48€218€270k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€19k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€142k€148k▲
Operating profit (loss)9901€120k€126k▲
Financial income75/76B€15k€10k▼
Recurring financial income75€15k€10k▼
Financial charges65/66B€12k€11k▼
Recurring financial charges65€12k€11k▼
Profit (loss) for the period before taxes9903€123k€125k▲
Income taxes67/77€27k€10k▼
Profit (loss) for the period9904€95k€115k▲
Profit (loss) for the period to be appropriated9905€95k€115k▲
Appropriation of the result
Profit (loss) to be appropriated9906€95k€115k▲
Transfer from equity791/2-€630k
Transfer to equity691/2€95k-
To other reserves6921€95k-
Profit to be distributed694/7-€745k
Return on contributions (dividend)694-€745k
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 7.74
Current ratio from 3.80 to 7.74; short-term debt falls from €196k to €95k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Equity above €500kEq €535k ▲48%
3 profitable years in a row build equity to €535k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Highest result since 2021net €275k ▲216%
Operating result €400k, net result €275k, both a record.
31-12
Financial
Equity above €200kEq €361k ▲316%
2 profitable years in a row build equity to €361k.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · 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, Sint-Gillis (bij-Brussel)
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.
Charleroise Steenweg 251060 Sint-Gillis (bij-Brussel)Ground area
205 m²
Building footprint
201 m²
Volume, LiDAR
3,386 m³
Parcel 21013B0011/00A006, Brussels · tallest building 24.8 m, ±6 floors. Linked by address, not a title deed.
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21013B0011/00A006 | Brussels | 205 m² | 1 · 201 m² | 24.8 m · 6 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.
Similar companies · same sector, comparable size
GBS 10
BE 0798.934.164
Oostkamp · Eq €355
SOUL & BEAUTY
BE 0676.573.119
Ukkel · Eq €355
LOPBURI ENGINEERING & CONSULTANTS INTERNATIONAL
BE 0664.814.640
Sint-Pieters-Woluwe · Eq €350
MDI Consult & Invest
BE 0777.402.540
Ukkel · Eq €360
POKITIN
BE 0838.371.097
Elsene · Eq €360
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 2,174 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
Founded01-07-2021
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.