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Philand

Active
Private limited companyfounded 20251 yr activeKanonniersweg 10 C, 2820 Bonheiden, BelgiumKBO/BCE: BE 1020.204.923
Summary

The computed 12-month bankruptcy probability of Philand is 2.0% (moderate). The annual accounts of Philand for fiscal year 2025 show a net loss of 76% of total assets. The 2025 annual accounts show equity of €396 and a net result of -€2,604. Its solvency ranks better than 31% of 18716 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes
Profitability0
Solvency37
Growth-
Track record67
Bankruptcy probability, 12 months
2.0% Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
balance sheet total too small for a liquidity verdict.
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Signals

Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025
Age of the figures
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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 16-07-2026, 15 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
15 d early
← before the deadline after the deadline →
Checked, nothing found (1)
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

History

Philand was incorporated on 20 February 2025 as a Private limited company.1 The registered office was moved to Bonheiden in 2026.2 Since 2026, Vervloet Renzo has served as director of the company.2

  1. 1Crossroads Bank for Enterprises
  2. 2Belgian State Gazette, 23-03-2026

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Financials · fiscal year 2025, micro schema

Equity
€396
Total assets
€3,430
Net result
-€2,604
Working capital
€396

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Equity and liabilities €3,430
Equity €396
Debt €3,034
Debt finances 88.4% of the balance-sheet total.
Key figures and ratios
2025 value
Debt ≤ 1 year
€3,034
Ratios withheld: a balance sheet total of €3,430 is too small for a meaningful ratio.

Peer companies

Historical observation

Of the 177 companies that looked in July 2024 the way this one looks now, 3.4% went bankrupt within 24 months and 92% are still going.

  • Micro
  • under 2 years old
  • solvency 10 to 30%
  • a loss of 10% of the balance sheet or more
3.4% went bankrupt
5.1% stopped otherwise
92% still going

For this company itself Checked computes a bankruptcy probability of 2.0% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 177 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 23 lines
Balance sheet Code2025
Assets
Total assets20/58€3,430
Current assets29/58€3,430
Amounts receivable within one year40/41€478
Other amounts receivable41€478
Cash at bank and in hand54/58€2,952
Equity and liabilities
Total equity and liabilities10/49€3,430
Equity10/15€396
Contributions10/11€3,000
Profit (loss) carried forward14-€2,604
Amounts payable17/49€3,034
Amounts payable within one year42/48€3,034
Trade debts44€1,634
Suppliers440/4€1,634
Other amounts payable47/48€1,400
Income statement Code2025
Other operating charges640/8€232
Gross operating margin9900-€2,274
Operating profit (loss)9901-€2,506
Financial charges65/66B€98
Recurring financial charges65€98
Profit (loss) for the period before taxes9903-€2,604
Profit (loss) for the period9904-€2,604
Profit (loss) for the period to be appropriated9905-€2,604
Appropriation of the result
Profit (loss) to be appropriated9906-€2,604

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Other operating charges640/8€232
Gross operating margin9900-€2,274
Operating profit (loss)9901-€2,506
Financial charges65/66B€98
Recurring financial charges65€98
Profit (loss) for the period before taxes9903-€2,604
Profit (loss) for the period9904-€2,604
Profit (loss) for the period to be appropriated9905-€2,604
Line2025
Assets
Total assets20/58€3,430
Current assets29/58€3,430
Amounts receivable within one year40/41€478
Other amounts receivable41€478
Cash at bank and in hand54/58€2,952
Equity and liabilities
Total equity and liabilities10/49€3,430
Equity10/15€396
Contributions10/11€3,000
Profit (loss) carried forward14-€2,604
Amounts payable17/49€3,034
Amounts payable within one year42/48€3,034
Trade debts44€1,634
Suppliers440/4€1,634
Other amounts payable47/48€1,400
Line2025
Profit (loss) for the period9904-€2,604
Operating cash flow (approximation)-€2,604

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
16-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
23-03
State Gazette act Resignations: Daniëls Philippe (director) and Landrieu Vicky (director)
Appointment: Vervloet Renzo (director) · Director discharge · Registered-office move7 facts ▸
  • General meeting, 11/03/2026
  • Director resignation, Daniëls Philippe (director)
  • Director resignation, Landrieu Vicky (director)
  • Director discharge, Daniëls Philippe
  • Director discharge, Landrieu Vicky
  • Director appointment, Vervloet Renzo (director)
  • Registered-office move, Kanonniersweg 10 C te 2820 Bonheiden
State Gazette actNBB filing
1 of 2 acts read
About the unread acts

Of the 2 Belgian State Gazette acts we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 director, last change in 2026
Vervloet Renzo
Director · since 12-03-2026
Current
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ. See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
1 of this company's 2 Belgian State Gazette acts has not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Bonheiden · 1 establishment unit since 2025
seat establishment approximate The establishment unit on the map
Ground area
5,986 m²
Parcel 12005B0236/00A000, Flanders. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
Kanonniersweg 10 C, 2820 Bonheiden
Civil engineering
since 20252.370.231.226
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
12005B0236/00A000indicative Flanders 5,986 m² - -
Linked by address, not proof of ownership
Good to know
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Mandate history

3 people since 2026, 1 in office
Show
  • Board
  • began earlier
Mandates per person, with start and end dates
Name Functions and periods
Vervloet Renzo
  • Director, from 12-03-2026 to date
DANIËLS Philippe
  • Director, until 12-03-2026
Landrieu Vicky
  • Director, until 12-03-2026
See the board, name and seat on a given date →

Structure & network

Connections & network

1 current director
Depth

The network starts from this company’s directors. Other companies they run appear here as nodes.

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Similar companies · same sector, comparable size

Of 12,951 companies in sector 47120 we hold annual accounts for 2,192. 258 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
Founded20-02-2025
Fiscal year end31-12
Activities, NACEBEL 2025
47120Other non-specialised retail sale
43990Other specialised construction activities
46499Wholesale of other household goods
46900Non-specialised wholesale trade
47551Retail sale of household furniture
47789Other retail sale of new goods
E-invoicing
Reachable via Peppol
Peppol ID 0208:1020204923
Also 9925:BE1020204923
Registered 25-06-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 30 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.