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PHILIPPE BERTRAND FINANCES

Active Risk: not assessed
Private limited companyfounded 2005active for 20 yearsLeuvensesteenweg 100, 1210 Saint-Josse-ten-Noode, BelgiumKBO/BCE: BE 0878.242.156
Summary

PHILIPPE BERTRAND FINANCES is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €595,507 and a net result of €191,521. Equity has been growing by about 34% per year since 2018. Its solvency ranks better than 67% of 3,064 sector peers (NACE 66, financial year 2025). The company has been active since 2005 and the Belgian Official Gazette contains no insolvency or warning signals.

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Overview

Official details

Source: KBO
Status
Active since 29-12-2005 Normal situation
Activity
Other activities auxiliary to financial services, excluding insurance and pension funding NACE 66199and 1 other
Establishment unit
2.151.818.801 1210 Saint-Josse-ten-Noode, since 14-02-2006
Financial year end
31 December
Peppol
Not found in the Peppol Directory
Company details

Board and ownership

Board
Shareholders
Board & ownership

Financial position

Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
Profit
€191,521
▼ 12.3%
Equity
€595,507
▲ 25.6%
Total assets
€878,439
▲ 13.4%
Employees on 31-12-2025
5
=
Financials
SignalsneutralLatest accounts filed on timeShow the evidence

Checked score

Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months

The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.

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Signals

1 signal.
neutral
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 29-06-2026, 32 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
32 days early
2024
38 days early
2023
36 days early
2022
17 days late
2021
10 days late
2020
3 days early
2019
10 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 10 days before the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 June (4 of the last 5 accounts filed within 42 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Higher net result than 91% of companies in auxiliary financial servicessector median €32,497 · 3,065 companies €191,521 View
  • Caution: Board changedlatest change 21-04-2026 · 1 in office 1 joined · 1 left View
  • Positive: 8 profitable years in a rowprofit 2025: €191,521 8 years View
  • Positive: Equity rose in 2025from €473,986 to €595,507 ▲ 25.6% View

Recent changes

  1. · Gazette deed Resignation: Philippe BERTRAND (director)Appointment: SRL P.B. IMMO (director) · Director discharge: Philippe BERTRAND
  2. · Gazette deed Reappointment: BERTRAND Philippe (director)
  3. · Gazette deed Incorporation
All 17 events

Comparable companies

These companies have the same main activity as PHILIPPE BERTRAND FINANCES: other activities auxiliary to financial services, excluding insurance and pension funding (NACE 66199). They are comparable in size and age: total assets between €734,000 and €1.3m, founded between 2003 and 2007.

CompanyTotal assetsGross margin
PHILIPPE BERTRAND FINANCES Saint-Josse-ten-Noode€0.9m€0.8m
BENCIS CAPITAL PARTNERS BELGIUM Machelen (Brab.)€0.7m€0.7m
EUROPEAN DEVELOPMENT FINANCE INSTITUTIONS Brussels€1.2m€1.4m
R&B FINANCE Florennes€1.2m€0.8m
Kantoor Els Stremerch Sint-Niklaas€1.3m€0.8m
INTENSUM BELGIUM La Hulpe€0.8m€1.3m
ZAKENKANTOOR AERTS Herenthout€0.8m€0.6m
Full comparison

Key facts about PHILIPPE BERTRAND FINANCES
What is the company number of PHILIPPE BERTRAND FINANCES?
The company number of PHILIPPE BERTRAND FINANCES is 0878.242.156. The VAT number is the same number with BE in front: BE 0878.242.156.
Where is PHILIPPE BERTRAND FINANCES based?
The registered office is at Leuvensesteenweg 100, 1210 Saint-Josse-ten-Noode.Company details
What does PHILIPPE BERTRAND FINANCES do?
According to the KBO register, the main activity is other activities auxiliary to financial services, excluding insurance and pension funding (NACE 66199).
What is the legal form of PHILIPPE BERTRAND FINANCES?
PHILIPPE BERTRAND FINANCES is a private limited company (BV).
When was PHILIPPE BERTRAND FINANCES founded?
PHILIPPE BERTRAND FINANCES was founded on 29-12-2005.
Is PHILIPPE BERTRAND FINANCES still active?
Yes, PHILIPPE BERTRAND FINANCES is an active enterprise in the KBO register.
How many employees does PHILIPPE BERTRAND FINANCES have?
PHILIPPE BERTRAND FINANCES had an average of 5.3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of PHILIPPE BERTRAND FINANCES?
The turnover in financial year 2025 is ≈ €1.3m. This figure is estimated from the gross margin of €845,800 and 31 comparable companies (NACE 66). It probably lies between €1.2m and €1.6m.
Is PHILIPPE BERTRAND FINANCES profitable?
In financial year 2025, PHILIPPE BERTRAND FINANCES made a profit of €191,521.
Where can I find the annual accounts of PHILIPPE BERTRAND FINANCES?
PHILIPPE BERTRAND FINANCES filed 20 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of PHILIPPE BERTRAND FINANCES due?
PHILIPPE BERTRAND FINANCES must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

Next steps

Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check See what changed in the latest annual accounts.What changed See whether the workforce is growing and whether people stay.Employer check

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