PHILERIC
ActiveThe computed 12-month bankruptcy probability of PHILERIC is 1.6% (moderate). The 2025 annual accounts show equity of €102k and a net result of €18k. Equity is growing by ~27% per year across the filed fiscal years. Its solvency ranks better than 94% of 13270 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
83
/ 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
Profitability88▲+3
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 7.1 against 8.16 in 2024; short-term debt: 13.8% and cash: 64% of total assets), and 13.8% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
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
86.2%
Return on assets
15.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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 · 9 filingsDeviation from the deadline
2025
29 d late
2024
28 d late
2023
58 d late
2022
66 d late
2021
30 d late
2020
52 d late
2019
48 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€18k▲ 48.8%
2024 · €12k
2018: €8k
2019: €-3k
2020: €6k
2021: €28k
2022: €15k
2023: €12k
2024: €12k
2018 → 2025
Working capital
€100k▲ 19.5%
2024 · €84k
2018: €12k
2019: €7k
2020: €15k
2021: €44k
2022: €59k
2023: €71k
2024: €84k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€45k-€60k▲ 32.9%€71k▲ 19.4%€84k▲ 17.2%€102k▲ 21.9%
Operating result€31k-€26k▼ 17.9%€18k▼ 30.1%€15k▼ 16.5%€32k▲ 112%
Net result€28k-€15k▼ 48.0%€12k▼ 21.6%€12k▲ 5.9%€18k▲ 48.8%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 112% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €118k
Fixed assets
€2k▲ 3,964%
Current assets
€116k▲ 22.0%
Equity and liabilities €118k
Equity
€102k▲ 21.9%
Debt
€16k▲ 40.1%
The debt ratio rises from 12.3% to 13.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€33k▲
2024 · €15k
Cash flow
€20k▲
2024 · €13k
Solvency
86.2%▼
2024 · 87.7%
Current ratio
7.10▼
2024 · 8.16
Quick ratio
7.02▼
2024 · 8.04
Debt / equity
0.16▲
2024 · 0.14
ROE
17.9%▲
2024 · 14.7%
ROA
15.5%▲
2024 · 12.9%
Interest coverage
10.59▲
2024 · 6.69
Debt
€16k▲
2024 · €12k
Debt ≤ 1 year
€16k▲
2024 · €12k
Income taxes
€10k▲
2024 · €436
Staff costs
€52k▲
2024 · €41k
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€95k€118k▲
Fixed assets21/28€50€2k▲
Tangible fixed assets22/27-€2k
Furniture and vehicles24-€2k
Financial fixed assets28€50€50=
Current assets29/58€95k€116k▲
Stocks and contracts in progress3€1k€1k▲
Stocks30/36€1k€1k▲
Amounts receivable within one year40/41€41k€39k▼
Other amounts receivable41€41k€39k▼
Cash at bank and in hand54/58€53k€76k▲
Deferred charges and accrued income490/1-€213
Equity and liabilities
Total equity and liabilities10/49€95k€118k▲
Equity10/15€84k€102k▲
Contributions10/11€19k€19k=
Reserves13€65k€83k▲
Distributable reserves133€65k€83k▲
Amounts payable17/49€12k€16k▲
Amounts payable within one year42/48€12k€16k▲
Current portion of amounts payable after more than one year42-€8k
Financial debts43€8k-
Credit institutions430/8€8k-
Trade debts44€179€2k▲
Suppliers440/4€179€2k▲
Taxes, remuneration and social security45€3k€6k▲
Taxes450/3€1k€2k▲
Remuneration and social security454/9€2k€4k▲
Income statement
Code20242025
Remuneration, social security and pensions62€41k€52k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€402€1k▲
Other operating charges640/8€1k€474▼
Gross operating margin9900€57k€86k▲
Operating profit (loss)9901€15k€32k▲
Financial income75/76B€19-
Recurring financial income75€19-
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€13k€29k▲
Income taxes67/77€436€10k▲
Profit (loss) for the period9904€12k€18k▲
Profit (loss) for the period to be appropriated9905€12k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€18k▲
Transfer to equity691/2€12k€18k▲
To other reserves6921€12k€18k▲
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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
31-12
Financial
Equity above €100kEq €102k ▲21.9%
6 profitable years in a row build equity to €102k.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 28 days late
2024
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 58 days late
2023
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 66 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Highest result since 2018net €28k ▲386%
Net result €28k, the highest in the series.
31-12
Financial
Liquidity times 8current ratio 17.52
Current ratio from 2.19 to 17.52; short-term debt falls from €12k to €3k.
21-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 52 days late
2020
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
17-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 48 days late
2019
31-12
Financial
Weakest financial yearnet €-3k ▼138%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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 2016
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 du Château (Bel) 117970 BeloeilGround area
5,335 m²
Building footprint
1,416 m²
Volume, LiDAR
27,695 m³
Parcel 51008A0135/00B000, Wallonia · tallest building 25.6 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Le relais du maréchal
since 20162.251.697.919
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51008A0135/00B000 ProtectedSite or landscape |
Wallonia | 5,335 m² | 1 · 1,416 m² | 25.6 m · 7 fl. |
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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Food safety, FASFC
1 siteBeloeil2.251.697.919
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Of 20,495 companies in sector 56111 we hold annual accounts for 11,458. 9,541 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-04-2016
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.