PHIL SIGN MARKING
ActivePHIL SIGN MARKING has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.12M and a net result of €38k. Equity is growing by ~10.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 670 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
77
/ 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▼-5
Solvency100▲+10
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €85k at 30 days acceptable
Liquidity ample (current ratio 11.56 against 2.55 in 2024; short-term debt: 8.6% and cash: 9.1% of total assets), and 8.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 25
Relative position
BE, all sectors
reference
Sector 25
higher
← 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
91.4%
Return on assets
3.1%
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
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 04-06-2026, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
57 d early
2024
58 d early
2023
57 d early
2022
35 d early
2021
17 d early
2020
54 d early
2019
57 d early
← 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, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€38k▼ 70.2%
2024 · €126k
2018: €228k
2019: €181k
2020: €20k
2021: €55k
2022: €56k
2023: €145k
2024: €126k
2018 → 2025
Working capital
€1.11M▲ 26.7%
2024 · €877k
2018: €486k
2019: €609k
2020: €632k
2021: €674k
2022: €614k
2023: €700k
2024: €877k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€756k-€812k▲ 7.4%€956k▲ 17.8%€1.08M▲ 13.2%€1.12M▲ 3.5%
Operating result€69k-€66k▼ 4.2%€202k▲ 207%€146k▼ 27.7%€28k▼ 80.5%
Net result€55k-€56k▲ 1.4%€145k▲ 158%€126k▼ 12.7%€38k▼ 70.2%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 81% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.23M
Fixed assets
€10k▼ 95.5%
Current assets
€1.22M▼ 15.8%
Equity and liabilities €1.23M
Equity
€1.12M▲ 3.5%
Debt
€105k▼ 81.9%
The debt ratio falls from 34.9% to 8.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€38k▼
2024 · €222k
Cash flow
€47k▼
2024 · €202k
Solvency
91.4%▲
2024 · 65.1%
Current ratio
11.56▲
2024 · 2.55
Quick ratio
11.56▲
2024 · 2.55
Debt / equity
0.09▼
2024 · 0.54
ROE
3.4%▼
2024 · 11.7%
ROA
3.1%▼
2024 · 7.6%
Interest coverage
19.49▼
2024 · 81.45
Debt
€105k▼
2024 · €581k
Debt ≤ 1 year
€105k▼
2024 · €567k
Income taxes
€20k▼
2024 · €35k
Staff costs
€1k▼
2024 · €121k
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€1.66M€1.23M▼
Fixed assets21/28€220k€10k▼
Tangible fixed assets22/27€209k-
Plant, machinery and equipment23€140k-
Furniture and vehicles24€68k-
Other tangible fixed assets26€1k-
Financial fixed assets28€10k€10k▼
Current assets29/58€1.44M€1.22M▼
Amounts receivable within one year40/41€915k€1.10M▲
Trade receivables40€445k€155k▼
Other amounts receivable41€470k€949k▲
Cash at bank and in hand54/58€525k€111k▼
Deferred charges and accrued income490/1€3k-
Equity and liabilities
Total equity and liabilities10/49€1.66M€1.23M▼
Equity10/15€1.08M€1.12M▲
Contributions10/11€100k€100k=
Reserves13€188k€188k=
Non-distributable reserves130/1€10k€10k=
Reserves not available under the articles1311€10k€10k=
Distributable reserves133€178k€178k=
Profit (loss) carried forward14€795k€832k▲
Amounts payable17/49€581k€105k▼
Amounts payable after more than one year17€14k-
Financial debts170/4€14k-
Amounts payable within one year42/48€567k€105k▼
Current portion of amounts payable after more than one year42€26k-
Trade debts44€486k€105k▼
Suppliers440/4€486k€105k▼
Taxes, remuneration and social security45€55k-
Taxes450/3€55k-
Income statement
Code20242025
Non-recurring operating income76A-€6k
Remuneration, social security and pensions62€121k€1k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€76k€9k▼
Other operating charges640/8€27k€8k▼
Non-recurring operating charges66A-€35k
Gross operating margin9900€370k€82k▼
Operating profit (loss)9901€146k€28k▼
Financial income75/76B€18k€31k▲
Recurring financial income75€18k€31k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€161k€58k▼
Income taxes67/77€35k€20k▼
Profit (loss) for the period9904€126k€38k▼
Profit (loss) for the period to be appropriated9905€126k€38k▼
Appropriation of the result
Profit (loss) to be appropriated9906€795k€832k▲
Profit (loss) brought forward from the previous period14P€668k€795k▲
Social balance
Average headcount (FTE)90871.9-
The notes to these accounts (8 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
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Liquidity times 5current ratio 11.56
Current ratio from 2.55 to 11.56; short-term debt falls from €567k to €105k.
03-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Equity above €1MEq €1.08M ▲13.2%
7 profitable years in a row build equity to €1.08M.
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Liquidity doublescurrent ratio 10.35
Current ratio from 4.90 to 10.35; short-term debt falls from €157k to €75k.
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
07-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €20k ▼89%
Net result drops to €20k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 9.59
Current ratio from 4.57 to 9.59; short-term debt falls from €171k to €74k.
04-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €500kEq €681k ▲36.3%
2 profitable years in a row build equity to €681k.
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
18-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-06
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
6 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, Clavier · 1 establishment unit since 2004
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 Principale 144560 ClavierGround area
1,995 m²
Building footprint
222 m²
Volume, LiDAR
1,331 m³
2 parcels, Flanders, Wallonia · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PHIL SIGN MARKING SPRL
since 20042.142.297.260
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46383D2562/00D002 | Flanders | 1,567 m² | 1 · 110 m² | 8.7 m · 2 fl. |
| 61060C0040/00G000 | Wallonia | 428 m² | 1 · 112 m² | 8.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 557 companies in sector 25999 we hold annual accounts for 350. 233 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded15-10-2004
Fiscal year end31-12
Activities, NACEBEL
25999Manufacture of fabricated metal products, except machinery and equipment
42110Construction of roads and motorways
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.