PHIL'S CONFECTION
ActivePHIL'S CONFECTION has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €143k and a net result of €-16k. Equity is growing by ~17% per year across the filed fiscal years. Its solvency ranks better than 39% of 11257 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability15▼-54
Solvency52▼-2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 1.96 against 2.04 in 2024; short-term debt: 41% and cash: 0.2% of total assets), but 72.7% of the assets are financed with debt.
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 · 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
13 d early
2023
50 d early
2022
31 d early
2021
4 d early
2020
31 d late
2019
90 d late
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€143k▼ 16.0%
2024 · €170k
2018: €10k
2019: €37k
2020: €81k
2021: €214k
2022: €145k
2023: €142k
2024: €170k
2018 → 2025
Total assets
€525k▼ 11.1%
2024 · €590k
2018: €282k
2019: €403k
2020: €473k
2021: €623k
2022: €534k
2023: €503k
2024: €590k
2018 → 2025
Net result
€-16k
2024 · €46k
2018: €49k
2019: €26k
2020: €45k
2021: €133k
2022: €67k
2023: €40k
2024: €46k
2018 → 2025
Working capital
€207k▼ 15.8%
2024 · €246k
2018: €131k
2019: €114k
2020: €158k
2021: €298k
2022: €181k
2023: €147k
2024: €246k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€214k-€145k▼ 32.5%€142k▼ 1.7%€170k▲ 19.8%€143k▼ 16.0%
Operating result€144k-€83k▼ 42.3%€100k▲ 19.8%€82k▼ 17.9%€-5k
Net result€133k-€67k▼ 49.2%€40k▼ 40.7%€46k▲ 14.0%€-16k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €5k after €82k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €525k
Fixed assets
€103k▼ 3.6%
Current assets
€422k▼ 12.7%
Equity and liabilities €525k
Equity
€143k▼ 16.0%
Debt
€382k▼ 9.1%
The debt ratio rises from 71.2% to 72.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-1k▼
2024 · €86k
Cash flow
€-12k▼
2024 · €49k
Solvency
27.3%▼
2024 · 28.8%
Current ratio
1.96▼
2024 · 2.04
Quick ratio
0.52▲
2024 · 0.40
Debt / equity
2.67▲
2024 · 2.47
ROE
-11.3%▼
2024 · 26.8%
ROA
-3.1%▼
2024 · 7.7%
Interest coverage
-0.09▼
2024 · 4.86
Debt
€382k▼
2024 · €420k
Debt ≤ 1 year
€215k▼
2024 · €238k
Debt > 1 year
€167k▼
2024 · €182k
Income taxes
€0▼
2024 · €18k
Staff costs
€60k▼
2024 · €65k
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€590k€525k▼
Fixed assets21/28€106k€103k▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€15k€11k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€13k€10k▼
Financial fixed assets28€91k€91k=
Current assets29/58€484k€422k▼
Stocks and contracts in progress3€389k€310k▼
Stocks30/36€389k€310k▼
Amounts receivable within one year40/41€84k€110k▲
Trade receivables40€83k€62k▼
Other amounts receivable41€1k€48k▲
Cash at bank and in hand54/58€10k€1k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€590k€525k▼
Equity10/15€170k€143k▼
Contributions10/11€203k€192k▼
Profit (loss) carried forward14€-33k€-49k▼
Amounts payable17/49€420k€382k▼
Amounts payable after more than one year17€182k€167k▼
Financial debts170/4€73k€54k▼
Other amounts payable178/9€109k€113k▲
Amounts payable within one year42/48€238k€215k▼
Current portion of amounts payable after more than one year42€56k€55k▼
Financial debts43€26k€25k▼
Credit institutions430/8€26k€25k▼
Trade debts44€86k€59k▼
Suppliers440/4€86k€59k▼
Taxes, remuneration and social security45€69k€75k▲
Taxes450/3€62k€63k▲
Remuneration and social security454/9€8k€13k▲
Income statement
Code20242025
Remuneration, social security and pensions62€65k€60k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€43k€0▼
Other operating charges640/8€11k€3k▼
Gross operating margin9900€204k€63k▼
Operating profit (loss)9901€82k€-5k▼
Financial income75/76B€79€18▼
Recurring financial income75€79€18▼
Financial charges65/66B€18k€11k▼
Recurring financial charges65€18k€11k▼
Non-recurring financial charges66B€385€0▼
Profit (loss) for the period before taxes9903€64k€-16k▼
Income taxes67/77€18k€0▼
Profit (loss) for the period9904€46k€-16k▼
Profit (loss) for the period to be appropriated9905€46k€-16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-33k€-49k▼
Profit (loss) brought forward from the previous period14P€-78k€-33k▲
The notes to these accounts (15 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-16k ▼135%
Net result drops to €-16k, the lowest in the series.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €170k ▲19.8%
7 profitable years in a row build equity to €170k.
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €133k ▲199%
Operating result €144k, net result €133k, both a record.
31-12
Financial
Equity above €200kEq €214k ▲163%
4 profitable years in a row build equity to €214k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
17-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Beloeil · 1 establishment unit since 2006
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.
Rue de la Station (Sta) 127973 BeloeilGround area
1,268 m²
Building footprint
1,289 m²
Parcel 51532A0042/00A002, Wallonia. Linked by address, not a title deed.
1 establishment unit
Phil's confection
since 20062.159.093.504
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51532A0042/00A002 | Wallonia | 1,268 m² | 1 · 1,289 m² | - |
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
MANAGEMENT INTERNATIONAL AND REPRESENTATION OPERATIONS
BE 1002.261.012
Elsene · Eq €143k
CINAR
BE 0444.303.748
Durbuy · Eq €142k
CC Holding
BE 0448.139.010
Antwerpen · Eq €144k
We R Monkey
BE 0691.969.888
Antwerpen · Eq €142k
ANNABLUE
BE 0884.874.877
Rixensart · Eq €142k
Of 1,311 companies in sector 46423 we hold annual accounts for 812. 580 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-12-2006
Fiscal year end31-12
Activities, NACEBEL
46423Wholesale of clothing, excluding workwear and underwear
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
51421
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.