PHIL-IT
ActiveSummary
PHIL-IT has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €169k and a net result of €105k. Equity is growing by ~26.9% per year across the filed fiscal years. Its solvency ranks better than 77% of 2699 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+29
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 5.03 against 9.43 in 2024; short-term debt: 15.6% and cash: 17.7% of total assets), and 23.9% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← 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
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
76.1%
Return on assets
47.5%
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 14-05-2026, 78 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
78 d early
2024
78 d early
2023
79 d early
2022
62 d early
2021
47 d early
2020
53 d early
2019
63 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
Financials · fiscal year 2025, abbreviated schema
Equity
€169k▲ 120%
2024 · €76k
Total assets
€221k▲ 166%
2024 · €83k
Net result
€105k▲ 6,859%
2024 · €2k
Working capital
€139k▲ 139%
2024 · €58k
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
Operating result€79k▲ 3,251%€-3k€-7k▼ 132%€2k€129k▲ 6,991%
Net result€56k▲ 9,755%€-4k€-8k▼ 120%€2k€105k▲ 6,859%
Equity€86k▲ 189%€83k▼ 4.1%€75k▼ 9.5%€76k▲ 2.0%€169k▲ 120%
Total assets€129k▲ 168%€110k▼ 14.4%€82k▼ 25.4%€83k▲ 1.2%€221k▲ 166%
Debt€43k▲ 133%€28k▼ 35.3%€7k▼ 73.2%€7k▼ 6.8%€53k▲ 669%
Working capital€69k▲ 382%€58k▼ 15.5%€53k▼ 8.5%€58k▲ 8.9%€139k▲ 139%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 6,991% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €221k
Fixed assets
€48k ▲ 161%
Current assets
€173k ▲ 167%
Equity and liabilities €221k
Equity
€169k ▲ 120%
Debt
€53k ▲ 669%
Debt's share of the balance-sheet total rises from 8.3% to 23.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€135k▲
2024 · €8k
Cash flow
€112k▲
2024 · €7k
Current ratio
5.03▼
2024 · 9.43
Debt to equity
0.31▲
2024 · 0.09
ROE
62.4%▲
2024 · 2.0%
ROA
47.5%▲
2024 · 1.8%
Interest coverage
242.64▲
2024 · 38.42
Debt ≤ 1 year
€34k▲
2024 · €7k
Debt > 1 year
€18k
Income taxes
€23k▲
2024 · €140
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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €580 | - | - | - | €39k | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k | €3k | €5k | €6k | €6k | ▲ 12.7% |
| Other operating charges640/8 | €2k | €1k | €1k | €810 | €2k | ▲ 169% |
| Gross operating margin9900 | €83k | €1k | €-2k | €8k | €138k | ▲ 1,556% |
| Operating profit (loss)9901 | €79k | €-3k | €-7k | €2k | €129k | ▲ 6,991% |
| Financial income75/76B | - | €1 | €3 | €26 | €6 | ▼ 75.4% |
| Recurring financial income75 | - | €1 | €3 | €26 | €6 | ▼ 75.4% |
| Financial charges65/66B | €351 | €187 | €258 | €195 | €558 | ▲ 186% |
| Recurring financial charges65 | €351 | €187 | €258 | €195 | €558 | ▲ 186% |
| Profit (loss) for the period before taxes9903 | €79k | €-3k | €-8k | €2k | €128k | ▲ 7,683% |
| Income taxes67/77 | €22k | €170 | €134 | €140 | €23k | ▲ 16,605% |
| Profit (loss) for the period9904 | €56k | €-4k | €-8k | €2k | €105k | ▲ 6,859% |
| Profit (loss) for the period to be appropriated9905 | €56k | €-4k | €-8k | €2k | €105k | ▲ 6,859% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €129k | €110k | €82k | €83k | €221k | ▲ 166% |
| Fixed assets21/28 | €17k | €25k | €22k | €18k | €48k | ▲ 161% |
| Tangible fixed assets22/27 | €9k | €16k | €13k | €10k | €30k | ▲ 214% |
| Plant, machinery and equipment23 | €9k | €6k | €5k | €4k | €3k | ▼ 12.2% |
| Furniture and vehicles24 | - | €9k | €7k | €6k | €4k | ▼ 35.8% |
| Leasing and similar rights25 | - | - | - | - | €23k | - |
| Financial fixed assets28 | €9k | €9k | €9k | €9k | €18k | ▲ 103% |
| Current assets29/58 | €112k | €86k | €61k | €65k | €173k | ▲ 167% |
| Amounts receivable within one year40/41 | €81k | €36k | €31k | €31k | €132k | ▲ 324% |
| Trade receivables40 | €78k | €30k | €25k | €23k | €132k | ▲ 474% |
| Other amounts receivable41 | €3k | €6k | €6k | €8k | - | - |
| Cash at bank and in hand54/58 | €28k | €48k | €28k | €33k | €39k | ▲ 20.3% |
| Deferred charges and accrued income490/1 | €3k | €2k | €1k | €1k | €2k | ▲ 80.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €129k | €110k | €82k | €83k | €221k | ▲ 166% |
| Equity10/15 | €86k | €83k | €75k | €76k | €169k | ▲ 120% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €78k | €75k | €68k | €68k | €150k | ▲ 121% |
| Non-distributable reserves130/1 | €2k | €2k | - | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | - | - | - | - |
| Distributable reserves133 | €76k | €74k | €68k | €68k | €150k | ▲ 121% |
| Profit (loss) carried forward14 | €2k | €1k | €615 | €2k | €12k | ▲ 472% |
| Amounts payable17/49 | €43k | €28k | €7k | €7k | €53k | ▲ 669% |
| Amounts payable after more than one year17 | - | - | - | - | €18k | - |
| Financial debts170/4 | - | - | - | - | €18k | - |
| Amounts payable within one year42/48 | €43k | €28k | €7k | €7k | €34k | ▲ 401% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €5k | - |
| Trade debts44 | €6k | €2k | €3k | €4k | €2k | ▼ 44.4% |
| Suppliers440/4 | €6k | €2k | €3k | €4k | €2k | ▼ 44.4% |
| Taxes, remuneration and social security45 | €36k | €26k | €5k | €2k | €26k | ▲ 961% |
| Taxes450/3 | €36k | €26k | €5k | €2k | €26k | ▲ 961% |
| Other amounts payable47/48 | - | - | - | - | €1k | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €56k | €-4k | €-8k | €2k | €105k | ▲ 6,859% |
| + Depreciation and write-downs630 | €2k | €3k | €5k | €6k | €6k | ▲ 12.7% |
| Operating cash flow (approximation) | €58k | €-437 | €-3k | €7k | €112k | ▲ 1,451% |
| Investment in fixed assets (approximation) | - | €-10k | €-2k | €-2k | €-36k | ▼ 1,359% |
| Change in cash | - | €19k | €-19k | €4k | €7k | ▲ 51.4% |
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
14-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €105k ▲6,859%
Operating result €129k, net result €105k, both a record.
31-12
Financial
Equity above €150kEq €169k ▲120%
2 profitable years in a row build equity to €169k.
14-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
13-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 8.22
Current ratio from 3.11 to 8.22; short-term debt falls from €28k to €7k.
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
08-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
29-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
05-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
06-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Lede · 1 establishment unit since 1999
Ground area
3,052 m²
Building footprint
167 m²
Volume, LiDAR
1,389 m³
Parcel 41034C0056/00S000, Flanders · tallest building 13.8 m, ±3 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Nieuwstraat 65, 9340 Lede
since 19992.092.921.389
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41034C0056/00S000 | Flanders | 3,052 m² | 1 · 167 m² | 13.8 m · 3 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 5,393 EUR awarded · 5,183 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 539 EUR | 539 EUR |
| 2024 | 1 | 574 EUR | 574 EUR |
| 2023 | 1 | 4,280 EUR | 4,070 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 30,002 companies in sector 62200 we hold annual accounts for 18,390. 15,205 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
Founded27-10-1999
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
68203Renting and operating of own or leased non-residential real estate, excluding land
70100Activities of head offices
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.