PHILIPPE MOTTARD
ActivePHILIPPE MOTTARD has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €58k and a net result of €11k. Equity is shrinking by ~12.6% per year across the filed fiscal years. Its solvency ranks better than 23% of 12690 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▲+23
Solvency49▲+6
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 2.43 against 2.39 in 2024; short-term debt: 39.1% and cash: 11.8% of total assets), but 76% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 69
Relative position
BE, all sectors
reference
Sector 69
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 · 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
24%
Return on assets
4.5%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 12690 sector peers (2025).
NBB · sector comparisonPosition among 12690 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 filingsDeviation from the deadline
2025
27 d late
2024
61 d late
2023
on the day
2022
46 d early
2021
58 d late
2020
31 d late
2019
on the day
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€58k▲ 22.8%
2024 · €47k
2018: €132k
2019: €169k
2020: €123k
2021: €113k
2022: €109k
2023: €91k
2024: €47k
2018 → 2025
Total assets
€240k▼ 6.2%
2024 · €256k
2018: €240k
2019: €288k
2020: €255k
2021: €397k
2022: €356k
2023: €313k
2024: €256k
2018 → 2025
Net result
€11k▲ 193%
2024 · €4k
2018: €22k
2019: €47k
2020: €-2k
2021: €3k
2022: €4k
2023: €4k
2024: €4k
2018 → 2025
Working capital
€134k▼ 6.0%
2024 · €143k
2018: €136k
2019: €153k
2020: €111k
2021: €55k
2022: €48k
2023: €202k
2024: €143k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€113k-€109k▼ 3.3%€91k▼ 17.0%€47k▼ 48.0%€58k▲ 22.8%
Operating result€14k-€11k▼ 20.6%€14k▲ 20.2%€11k▼ 15.8%€20k▲ 73.9%
Net result€3k-€4k▲ 32.7%€4k▼ 8.8%€4k▼ 8.4%€11k▲ 193%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 74% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €240k
Fixed assets
€12k▲ 11.9%
Current assets
€228k▼ 7.0%
Equity and liabilities €240k
Equity
€58k▲ 22.8%
Debt
€183k▼ 12.7%
The debt ratio falls from 81.6% to 76.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€20k▲
2024 · €11k
Cash flow
€11k▲
2024 · €4k
Solvency
24.0%▲
2024 · 18.4%
Current ratio
2.43▲
2024 · 2.39
Quick ratio
2.43▲
2024 · 2.39
Debt / equity
3.16▼
2024 · 4.44
ROE
18.5%▲
2024 · 7.8%
ROA
4.5%▲
2024 · 1.4%
Interest coverage
7.13▲
2024 · 3.65
Debt
€183k▼
2024 · €209k
Debt ≤ 1 year
€94k▼
2024 · €103k
Debt > 1 year
€87k▼
2024 · €105k
Income taxes
€6k▲
2024 · €5k
Staff costs
€52k▲
2024 · €42k
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€256k€240k▼
Fixed assets21/28€11k€12k▲
Tangible fixed assets22/27€11k€12k▲
Furniture and vehicles24€11k€12k▲
Current assets29/58€245k€228k▼
Amounts receivable within one year40/41€109k€149k▲
Trade receivables40€102k€144k▲
Other amounts receivable41€7k€5k▼
Current investments50/53€50k€50k=
Cash at bank and in hand54/58€86k€28k▼
Deferred charges and accrued income490/1€341€542▲
Equity and liabilities
Total equity and liabilities10/49€256k€240k▼
Equity10/15€47k€58k▲
Contributions10/11€6k€6k=
Reserves13€41k€52k▲
Distributable reserves133€41k€52k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€209k€183k▼
Amounts payable after more than one year17€105k€87k▼
Financial debts170/4€105k€87k▼
Amounts payable within one year42/48€103k€94k▼
Current portion of amounts payable after more than one year42€18k€18k▲
Trade debts44€11k€17k▲
Suppliers440/4€11k€17k▲
Taxes, remuneration and social security45€17k€19k▲
Taxes450/3€11k€17k▲
Remuneration and social security454/9€6k€2k▼
Other amounts payable47/48€56k€40k▼
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20242025
Remuneration, social security and pensions62€42k€52k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0€178▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€2k€2k▲
Gross operating margin9900€55k€74k▲
Operating profit (loss)9901€11k€20k▲
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€8k€17k▲
Income taxes67/77€5k€6k▲
Profit (loss) for the period9904€4k€11k▲
Profit (loss) for the period to be appropriated9905€4k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€4k€11k▲
Transfer from equity791/2€47k€0▼
Transfer to equity691/2€4k€11k▲
To other reserves6921€4k€11k▲
Profit to be distributed694/7€47k€0▼
Return on contributions (dividend)694€47k€0▼
The notes to these accounts (16 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 3.04
Current ratio from 1.45 to 3.04; short-term debt falls from €107k to €99k.
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 58 days late
2021
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-2k ▼105%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €47k ▲118%
Operating result €70k, net result €47k, both a record.
31-12
Financial
Equity above €150kEq €169k ▲28.2%
2 profitable years in a row build equity to €169k.
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Liège · 1 establishment unit since 2000
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.
Avenue Emile-Digneffe 424000 LiègeGround area
301 m²
Building footprint
108 m²
Volume, LiDAR
1,886 m³
Parcel 62814C0100/00L004, Wallonia · tallest building 19.1 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Avenue Emile-Digneffe 42, 4000 Liège
since 20002.227.983.991
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62814C0100/00L004 | Wallonia | 301 m² | 1 · 108 m² | 19.1 m · 6 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.
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Advoide
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Of 22,054 companies in sector 69101 we hold annual accounts for 9,053. 7,311 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-05-1999
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.