PHIL'S IMMO
ActivePHIL'S IMMO has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €513k and a net result of €19k. Equity is shrinking by ~4.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 31544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+11
Solvency100=
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
short-term debt: 0.1% and cash: 0% of total assets, and 0.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 · 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
99.9%
Return on assets
3.7%
Age of the figures
9 mo
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 · 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 €513k
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€513k▲ 137%
2024 · €216k
2018: €228k
2019: €286k
2020: €273k
2021: €261k
2022: €247k
2023: €228k
2024: €216k
2018 → 2025
Total assets
€513k▲ 134%
2024 · €220k
2018: €322k
2019: €316k
2020: €290k
2021: €273k
2022: €256k
2023: €235k
2024: €220k
2018 → 2025
Net result
€19k
2024 · €-12k
2018: €-10k
2019: €59k
2020: €-12k
2021: €-11k
2022: €-12k
2023: €-15k
2024: €-12k
2018 → 2025
Working capital
€113k▲ 7.0%
2024 · €105k
2018: €93k
2019: €95k
2020: €98k
2021: €101k
2022: €104k
2023: €100k
2024: €105k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€261k-€247k▼ 5.5%€228k▼ 7.4%€216k▼ 5.4%€513k▲ 137%
Operating result€-12k-€-15k▼ 22.1%€-19k▼ 30.2%€-12k▲ 36.2%€-11k▲ 10.4%
Net result€-11k-€-12k▼ 10.4%€-15k▼ 24.7%€-12k▲ 18.6%€19k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €11k in 2025 against €12k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €513k
Fixed assets
€400k▲ 261%
Current assets
€113k▲ 4.0%
Equity and liabilities €513k
Equity
€513k▲ 137%
Debt
€581▼ 83.5%
The debt ratio falls from 1.6% to 0.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€7k▲
2024 · €6k
Cash flow
€37k▲
2024 · €6k
Solvency
99.9%▲
2024 · 98.4%
Debt / equity
0.00▼
2024 · 0.02
ROE
3.7%▲
2024 · -5.7%
ROA
3.7%▲
2024 · -5.6%
Interest coverage
459.97▲
2024 · 125.06
Debt
€581▼
2024 · €4k
Debt ≤ 1 year
€581▼
2024 · €4k
A ratio outside any meaningful range has been withheld (balance sheet total €513k, equity €513k).
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€220k€513k▲
Fixed assets21/28€111k€400k▲
Tangible fixed assets22/27€111k€400k▲
Land and buildings22€106k€397k▲
Plant, machinery and equipment23€5k€3k▼
Current assets29/58€109k€113k▲
Amounts receivable within one year40/41€109k€113k▲
Other amounts receivable41€109k€113k▲
Cash at bank and in hand54/58€8€32▲
Equity and liabilities
Total equity and liabilities10/49€220k€513k▲
Equity10/15€216k€513k▲
Contributions10/11€255k€255k=
Revaluation surpluses12-€308k
Reserves13€25k€25k=
Tax-exempt reserves132€20k€20k=
Distributable reserves133€5k€5k=
Profit (loss) carried forward14€-93k€-74k▲
Investment grants15€30k€0▼
Amounts payable17/49€4k€581▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€4k€581▼
Current portion of amounts payable after more than one year42€944€182▼
Trade debts44€2k€0▼
Suppliers440/4€2k€0▼
Other amounts payable47/48€399€399=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€18k=
Other operating charges640/8€3k€3k▲
Gross operating margin9900€9k€10k▲
Operating profit (loss)9901€-12k€-11k▲
Financial income75/76B€0€30k▲
Recurring financial income75€0€30k▲
Financial charges65/66B€49€16▼
Recurring financial charges65€49€16▼
Profit (loss) for the period before taxes9903€-12k€19k▲
Profit (loss) for the period9904€-12k€19k▲
Profit (loss) for the period to be appropriated9905€-12k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-93k€-74k▲
Profit (loss) brought forward from the previous period14P€-81k€-93k▼
The notes to these accounts (16 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
Back to profitnet €19k
Net result €19k after 5 loss-making years.
31-12
Financial
Liquidity times 6current ratio 194.93
Current ratio from 30.89 to 194.93; short-term debt falls from €4k to €581.
31-12
Financial
Equity above €500kEq €513k ▲137%
Equity rises from €216k to €513k.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-15k
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
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
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 13.74
Current ratio from 6.08 to 13.74; short-term debt falls from €19k to €8k.
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
31-12
Financial
Back to profitnet €59k
Net result €59k after one loss-making year.
12-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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 2012
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
Rue de la Station (Sta) 12, 7973 Beloeil
since 20122.285.623.668
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
ZONDERMAN
BE 0888.249.982
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INGEFIN
BE 0865.373.226
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LHOMME MANAGEMENT
BE 0698.660.118
Hasselt · Eq €513k
WAVANTI
BE 0733.543.395
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DEBRUYNE CONSULTANCY
BE 0888.968.871
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 34,445 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-12-2012
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.