PHIFE BVBA has a registered holding activity and consists mainly of financial fixed assets; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €2.73M and a net result of €758k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 79% of 8601 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Holding: general score not applicable
The company has a registered holding activity and financial fixed assets account for more than half of its assets. The general operating-company model is unsuitable for this profile, so we show no financial axes either. Filed figures remain available.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €2.73M
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 09-04-2026, 21 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
21 d early
2024
on the day
2023
on the day
2022
27 d early
2021
2 d late
2020
35 d early
2019
14 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.73M▲ 38.4%
2024 · €1.97M
2018: €1.97M
2019: €2.35M
2020: €2.54M
2021: €2.68M
2022: €2.15M
2023: €2.01M
2024: €1.97M
2018 → 2025
Total assets
€3.29M▲ 34.7%
2024 · €2.44M
2018: €2.49M
2019: €2.54M
2020: €2.69M
2021: €2.80M
2022: €2.40M
2023: €2.43M
2024: €2.44M
2018 → 2025
Net result
€758k▲ 358%
2024 · €165k
2018: €361k
2019: €384k
2020: €189k
2021: €145k
2022: €212k
2023: €162k
2024: €165k
2018 → 2025
Working capital
€476k
2024 · €-281k
2018: €269k
2019: €682k
2020: €899k
2021: €423k
2022: €-107k
2023: €-247k
2024: €-281k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.68M-€2.15M▼ 20.1%€2.01M▼ 6.4%€1.97M▼ 1.7%€2.73M▲ 38.4%
Operating result€282k-€309k▲ 9.5%€245k▼ 20.8%€246k▲ 0.4%€-4k
Net result€145k-€212k▲ 45.9%€162k▼ 23.3%€165k▲ 1.8%€758k▲ 358%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €4k after €246k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.29M
Fixed assets
€2.26M=
Current assets
€1.04M▲ 450%
Equity and liabilities €3.29M
Equity
€2.73M▲ 38.4%
Debt
€561k▲ 19.4%
The debt ratio falls from 19.2% to 17.0%. Equity and debt are higher.
Key figures and ratios
Solvency
83.0%▲
2024 · 80.8%
ROE
27.7%▲
2024 · 8.4%
ROA
23.0%▲
2024 · 6.8%
Debt
€561k▲
2024 · €470k
Debt ≤ 1 year
€561k▲
2024 · €470k
Income taxes
€88k▲
2024 · €83k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€2.44M€3.29M▲
Fixed assets21/28€2.26M€2.26M=
Financial fixed assets28€2.26M€2.26M=
Current assets29/58€189k€1.04M▲
Amounts receivable within one year40/41€112k€1.04M▲
Trade receivables40€50k€3k▼
Other amounts receivable41€62k€1.03M▲
Cash at bank and in hand54/58€77k€411▼
Equity and liabilities
Total equity and liabilities10/49€2.44M€3.29M▲
Equity10/15€1.97M€2.73M▲
Contributions10/11€355k€355k=
Reserves13€1.62M€2.38M▲
Non-distributable reserves130/1€37k€37k=
Reserves not available under the articles1311€37k€37k=
Distributable reserves133€1.58M€2.34M▲
Amounts payable17/49€470k€561k▲
Amounts payable within one year42/48€470k€561k▲
Trade debts44-€2k
Suppliers440/4-€2k
Taxes, remuneration and social security45€83k€88k▲
Taxes450/3€83k€88k▲
Other amounts payable47/48€387k€471k▲
Income statement
Code20242025
Non-recurring operating income76A€250k€0▼
Other operating charges640/8€62€1k▲
Gross operating margin9900€246k€-3k▼
Operating profit (loss)9901€246k€-4k▼
Financial income75/76B€3k€851k▲
Recurring financial income75€3k€851k▲
Financial charges65/66B€726€726=
Recurring financial charges65€726€726=
Profit (loss) for the period before taxes9903€248k€846k▲
Income taxes67/77€83k€88k▲
Profit (loss) for the period9904€165k€758k▲
Profit (loss) for the period to be appropriated9905€165k€758k▲
Appropriation of the result
Profit (loss) to be appropriated9906€165k€758k▲
Transfer to equity691/2€165k€758k▲
To the legal reserve6920-€0
To other reserves6921€165k€758k▲
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (7 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
09-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Highest result since 2018net €758k ▲358%
Net result €758k, the highest in the series.
30-09
Financial
Liquidity times 5current ratio 1.85
Current ratio from 0.40 to 1.85.
30-09
Financial
Equity above €2MEq €2.73M ▲38.4%
8 profitable years in a row build equity to €2.73M.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
03-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
02-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
30-09
Financial
Weakest financial yearnet €145k ▼23.3%
Net result drops to €145k, the lowest in the series; recovery starts the following year.
26-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
14-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
2019
30-09
Financial
Liquidity triplescurrent ratio 4.68
Current ratio from 1.51 to 4.68; short-term debt falls from €526k to €185k.
30-09
Financial
Equity above €2MEq €2.35M ▲19.5%
2 profitable years in a row build equity to €2.35M.
08-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated 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, Tongeren-Borgloon · 1 establishment unit since 2016
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.
Graaf Arnoldstraat 33840 Tongeren-BorgloonGround area
528 m²
Building footprint
342 m²
Volume, LiDAR
3,362 m³
Parcel 73009B0304/00P000, Flanders · tallest building 16.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Nieuwstraat 1, 3840 Borgloon
since 20162.262.464.622
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73009B0304/00P000 | Flanders | 528 m² | 1 · 342 m² | 16.8 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 82,524 companies in sector 70200 we hold annual accounts for 52,566. 16,785 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-12-2016
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.