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PhiLaNa

Active
Private limited companyfounded 199629 yrs activeWitte Gracht(WIE) 86, 2222 Heist-op-den-Berg, BelgiumKBO/BCE: BE 0459.644.396

The file of PhiLaNa contains 2 historical bankruptcy publications, as published in the Belgian State Gazette.

Summary

The computed 12-month bankruptcy probability is 0.2% (very low). The 2025 annual accounts show equity of €612,278 and a net result of €21,087. Equity is growing by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 69% of 13501 sector peers (fiscal year 2025).

Risk analysisWatch ReportCompare
PhiLaNaActiveChecked score 90/100
Risk analysis ReportCompare

Overview

Activity
Wholesale of information and communication equipment
NACE 46500NACE 46660NACE 51850
1 site
Size
€949,722total assets 2025
Equity
€612,278
Profit
€21,087
Turnover not published (abridged schema)
Financial health
90 Excellent Checked score 2025
Bankruptcy chance 12 m
0.2%
Structure
Accounts filed 31 d late0 of 1 deed read
Why 90- Latest accounts 31 days late; 3 of the last 3 late+ Founded in 1996+ Size: total assets €949,722+ Equity €612,278 (64.5% of total assets)Show the evidence

Checked score

Score 2025
90 / 100
Excellent
Probability in this band: under 0.55%
Better than 60% of its sector peers (NACE 46, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 89+3
equity 64.5% of total assets
Liquidity 56-2
short-term debt 6.6% · cash 4.5%
Profitability 72+6
return on assets 2.2%
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,865 companies)
Last 24 months 11-2024: 0.2% 12-2024: 0.2%● 0.0% vs 11-2024 01-2025: 0.2%▼ -0.5% vs 12-2024 02-2025: 0.2%▼ -1.1% vs 01-2025 03-2025: 0.2%▲ +2.7% vs 02-2025 04-2025: 0.2%▼ -5.2% vs 03-2025 05-2025: 0.2%▼ -3.3% vs 04-2025 06-2025: 0.2%▼ -5.7% vs 05-2025lowest value 07-2025: 0.2%▲ +48.8% vs 06-2025 08-2025: 0.4%▲ +50.2% vs 07-2025 09-2025: 0.2%▼ -45.8% vs 08-2025 10-2025: 0.2%● 0.0% vs 09-2025 11-2025: 0.2%● 0.0% vs 10-2025 12-2025: 0.2%● 0.0% vs 11-2025 01-2026: 0.2%▼ -0.5% vs 12-2025 02-2026: 0.2%▲ +2.0% vs 01-2026 03-2026: 0.2%▲ +2.0% vs 02-2026 04-2026: 0.2%▼ -5.3% vs 03-2026 05-2026: 0.2%▲ +3.0% vs 04-2026 06-2026: 0.2%▼ -8.9% vs 05-2026 07-2026: 0.2%▲ +15.1% vs 06-2026 08-2026: 0.4%▲ +97.2% vs 07-2026highest value 09-2026: 0.2%▼ -50.7% vs 08-2026 10-2026: 0.2%● 0.0% vs 09-2026
  • Latest accounts 31 days late; 3 of the last 3 late raises the probability
  • Founded in 1996 lowers the probability for this profile
  • Size: total assets €949,722 lowers the probability for this profile
  • Equity €612,278 (64.5% of total assets) lowers the probability
Credit up to €55,000 at 30 days only on tighter terms
Liquidity ample (current ratio 5.55 against 5.2 in 2024; short-term debt: 6.6% and cash: 4.5% of total assets), and 35.5% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 46, micro). Better than this share of them on solvency 70%, liquidity 61%, profitability 56%, growth against the median 52%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Latest accounts 31 days late; 3 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
lowers risk · Founded in 1996
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Size: total assets €949,722
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Equity €612,278 (64.5% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
neutral · Prior bankruptcy
Earlier bankruptcy on record in the Belgian State Gazette, no current open procedure.
Belgian State Gazette
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filings
Deviation from the deadline
2025
31 d late
2024
31 d late
2023
31 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
92 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 40 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.

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. Usually files around 31 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
05-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Annual accounts filedfiscal year 2023 · micro…

Key points

  • Positive: Among the best 6% on equitysector median €57,286 · 13,536 companies €612,278 View
  • Positive: 6 profitable years in a rowprofit 2025: €21,087 6 years View
  • Active since 1996founded 27-12-1996 29 years View

By topic

Financials

Fiscal year
2025
Total assets
€949,722
Profit
€21,087
Solvency
64.5%
Turnover▲ 10.3%
Net result
20182020
Go to Financials

Timeline

Events
16
Since
2019
Next accounts
by 31-07-2027
  1. 31-08-2026Annual accounts filed
  2. 31-08-2025Annual accounts filed
  3. 31-08-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Wholesale of information and communication equipmentNACE 46500
Founded
27-12-1996
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed

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