PHILIPPE NESTERGAL
ActivePHILIPPE NESTERGAL has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5k and a net result of €80k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 14% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency31▼-23
Growth58▼-20
Track record94
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
6.3%
Return on assets
103.6%
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 14% of 31642 sector peers (2025).
NBB · sector comparisonPosition among 31642 sector peers
Solvency
better than 14%
← 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 03-08-2026, 3 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 · 4 filingsDeviation from the deadline
2025
3 d late
2024
21 d late
2023
29 d late
2022
28 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€5k▼ 86.6%
2024 · €36k
2022: €8k
2023: €64k
2024: €36k
2022 → 2025
Total assets
€77k▼ 38.1%
2024 · €124k
2022: €12k
2023: €74k
2024: €124k
2022 → 2025
Net result
€80k▲ 11.4%
2024 · €72k
2022: €7k
2023: €56k
2024: €72k
2022 → 2025
Working capital
€1k▼ 96.6%
2024 · €34k
2022: €8k
2023: €63k
2024: €34k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€8k-€64k▲ 704%€36k▼ 44.1%€5k▼ 86.6%
Operating result€8k-€70k▲ 767%€90k▲ 27.3%€102k▲ 13.8%
Net result€7k-€56k▲ 766%€72k▲ 27.1%€80k▲ 11.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 14% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €77k
Fixed assets
€3k▲ 82.1%
Current assets
€73k▼ 39.9%
Equity and liabilities €77k
Equity
€5k▼ 86.6%
Debt
€72k▼ 18.3%
The debt ratio rises from 71.1% to 93.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€103k▲
2024 · €90k
Cash flow
€81k▲
2024 · €72k
Solvency
6.3%▼
2024 · 28.9%
Current ratio
1.02▼
2024 · 1.38
Quick ratio
1.02▼
2024 · 1.38
Debt / equity
14.98▲
2024 · 2.46
ROA
103.6%▲
2024 · 57.6%
Interest coverage
177.51
Debt
€72k▼
2024 · €88k
Debt ≤ 1 year
€72k▼
2024 · €88k
Income taxes
€22k▲
2024 · €18k
A ratio outside any meaningful range has been withheld (balance sheet total €77k, equity €5k).
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€124k€77k▼
Formation expenses20€602€396▼
Fixed assets21/28€2k€3k▲
Tangible fixed assets22/27€2k€934▼
Furniture and vehicles24€2k€934▼
Financial fixed assets28-€2k
Current assets29/58€122k€73k▼
Amounts receivable within one year40/41€496€21k▲
Trade receivables40€0€18k▲
Other amounts receivable41€496€3k▲
Cash at bank and in hand54/58€122k€48k▼
Deferred charges and accrued income490/1€0€4k▲
Equity and liabilities
Total equity and liabilities10/49€124k€77k▼
Equity10/15€36k€5k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€34k€3k▼
Amounts payable17/49€88k€72k▼
Amounts payable within one year42/48€88k€72k▼
Trade debts44€0€5k▲
Suppliers440/4€0€5k▲
Taxes, remuneration and social security45€7k€11k▲
Taxes450/3€7k€11k▲
Other amounts payable47/48€81k€57k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€644€1k▲
Other operating charges640/8€80€1k▲
Gross operating margin9900€90k€104k▲
Operating profit (loss)9901€90k€102k▲
Financial charges65/66B-€581
Recurring financial charges65-€581
Profit (loss) for the period before taxes9903€90k€102k▲
Income taxes67/77€18k€22k▲
Profit (loss) for the period9904€72k€80k▲
Profit (loss) for the period to be appropriated9905€72k€80k▲
Appropriation of the result
Profit (loss) to be appropriated9906€134k€114k▼
Profit (loss) brought forward from the previous period14P€63k€34k▼
Profit to be distributed694/7€100k€111k▲
Return on contributions (dividend)694€100k€111k▲
The notes to these accounts (10 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
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
31-12
Financial
Highest result since 2022net €80k ▲11.4%
Operating result €102k, net result €80k, both a record.
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 7.48
Current ratio from 3.35 to 7.48.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Wavre · 1 establishment unit since 2022
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 Molière 581300 WavreGround area
929 m²
Building footprint
104 m²
Volume, LiDAR
696 m³
Parcel 25772H0069/00K006, Wallonia · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PHILIPPE NESTERGAL
since 20222.340.226.354
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25772H0069/00K006 | Wallonia | 929 m² | 1 · 104 m² | 8.7 m · 2 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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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 15,239 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-12-2022
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.