PHILING & Co
ActivePHILING & Co has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €30k and a net result of €10k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 78% of 1897 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
96
/ 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
Profitability100▲+24
Solvency100=
Growth63▲+30
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 5.4 against 7.07 in 2024; short-term debt: 17.9% and cash: 35.3% of total assets), and 17.9% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Sector 63
lower
← fewer bankruptcies
more bankruptcies →
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
19202122232425
2019 to 2025 · latest year €30k
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 28-10-2025, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
32 d late
2023
43 d early
2022
39 d early
2021
45 d early
2020
39 d early
2019
34 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close19-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Turnover
€67k▲ 11.7%
2021 · €60k
2019: €66k
2020: €63k
2021: €60k
2019 → 2022
EBIT margin
7.5%▲ 5.3pp
2021 · 2.2%
2019: 4.0%
2020: 0.9%
2021: 2.2%
2019 → 2022
Net result
€10k▲ 524%
2024 · €2k
2019: €3k
2020: €-680
2021: €628
2022: €2k
2023: €-4k
2024: €2k
2019 → 2025
Working capital
€29k▲ 60.5%
2024 · €18k
2019: €20k
2020: €15k
2021: €15k
2022: €14k
2023: €13k
2024: €18k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€60k-€67k▲ 11.7%
Equity€20k-€22k▲ 12.1%€18k▼ 17.2%€20k▲ 8.8%€30k▲ 50.6%
Operating result€1k-€5k▲ 282%€-3k€4k€15k▲ 267%
Net result€628-€2k▲ 280%€-4k€2k€10k▲ 524%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 267% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €36k
Fixed assets
€1k▼ 39.0%
Current assets
€35k▲ 69.1%
Equity and liabilities €36k
Equity
€30k▲ 50.6%
Debt
€7k▲ 122%
The debt ratio rises from 12.9% to 17.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€16k▲
2024 · €7k
Cash flow
€11k▲
2024 · €5k
Solvency
82.1%▼
2024 · 87.1%
Current ratio
5.40▼
2024 · 7.07
Quick ratio
5.40▼
2024 · 7.07
Debt / equity
0.22▲
2024 · 0.15
ROE
33.6%▲
2024 · 8.1%
ROA
27.6%▲
2024 · 7.1%
Interest coverage
80.33▲
2024 · 5.86
Debt
€7k▲
2024 · €3k
Debt ≤ 1 year
€7k▲
2024 · €3k
Income taxes
€5k▲
2024 · €1k
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€23k€36k▲
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€2k€1k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€91€43▼
Current assets29/58€21k€35k▲
Amounts receivable within one year40/41€14k€21k▲
Trade receivables40€10k€6k▼
Other amounts receivable41€4k€15k▲
Cash at bank and in hand54/58€6k€13k▲
Deferred charges and accrued income490/1€540€1k▲
Equity and liabilities
Total equity and liabilities10/49€23k€36k▲
Equity10/15€20k€30k▲
Contributions10/11€6k€6k=
Reserves13€2k€12k▲
Non-distributable reserves130/1€632€632=
Reserves not available under the articles1311€632€632=
Distributable reserves133€2k€12k▲
Profit (loss) carried forward14€11k€11k=
Amounts payable17/49€3k€7k▲
Amounts payable within one year42/48€3k€7k▲
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€1k€4k▲
Taxes450/3€1k€4k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€774▼
Other operating charges640/8€2k€987▼
Gross operating margin9900€9k€17k▲
Operating profit (loss)9901€4k€15k▲
Financial income75/76B-€492
Recurring financial income75-€492
Financial charges65/66B€1k€198▼
Recurring financial charges65€1k€198▼
Profit (loss) for the period before taxes9903€3k€15k▲
Income taxes67/77€1k€5k▲
Profit (loss) for the period9904€2k€10k▲
Profit (loss) for the period to be appropriated9905€2k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€13k€21k▲
Profit (loss) brought forward from the previous period14P€11k€11k=
Transfer to equity691/2€2k€10k▲
To other reserves6921€2k€10k▲
The notes to these accounts (4 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
2025
28-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2019net €10k ▲524%
Operating result €15k, net result €10k, both a record.
2024
02-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 32 days late
31-03
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
2023
18-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Weakest financial yearnet €-4k ▼259%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
2022
22-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
16-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Back to profitnet €628
Net result €628 after one loss-making year.
31-03
Financial
Liquidity doublescurrent ratio 7.77
Current ratio from 3.53 to 7.77; short-term debt falls from €6k to €2k.
2020
22-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
27-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
19-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
12-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Le Roeulx · 1 establishment unit since 2013
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 Abel Roger(M) 217070 Le RoeulxGround area
1.1 ha
Building footprint
119 m²
Parcel 55027D0007/00F000, Wallonia. Linked by address, not a title deed.
1 establishment unit
PHILING & CO
since 20132.218.356.445
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55027D0007/00F000 | Wallonia | 1.1 ha | 1 · 119 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.
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Of 2,729 companies in sector 63100 we hold annual accounts for 1,273. 840 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded28-03-2013
Fiscal year end31-03
Activities, NACEBEL
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.