Philippe Remels
ActivePhilippe Remels has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €899k and a net result of €699k. Equity is growing by ~13.2% per year across the filed fiscal years. Its solvency ranks better than 56% of 12685 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency87▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity ample (current ratio 2.39 against 2.18 in 2024; short-term debt: 37.5% and cash: 27.4% of total assets), and 37.5% 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
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 →
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
62.5%
Return on assets
48.6%
Age of the figures
9 mo
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 23-04-2026, 99 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
99 d early
2024
1 d early
2023
22 d early
2022
32 d early
2021
29 d early
2020
39 d early
2019
26 d early
← 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
€899k▼ 34.9%
2024 · €1.38M
2019: €209k
2020: €580k
2021: €1.09M
2022: €1.09M
2023: €1.09M
2024: €1.38M
2019 → 2025
Total assets
€1.44M▼ 40.2%
2024 · €2.41M
2019: €318k
2020: €876k
2021: €1.35M
2022: €2.04M
2023: €1.58M
2024: €2.41M
2019 → 2025
Net result
€699k▼ 28.7%
2024 · €981k
2019: €197k
2020: €370k
2021: €508k
2022: €651k
2023: €446k
2024: €981k
2019 → 2025
Working capital
€754k▼ 37.6%
2024 · €1.21M
2019: €205k
2020: €568k
2021: €1.06M
2022: €1.08M
2023: €931k
2024: €1.21M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.09M-€1.09M▲ 0.6%€1.09M=€1.38M▲ 26.2%€899k▼ 34.9%
Operating result€739k-€859k▲ 16.2%€590k▼ 31.3%€739k▲ 25.1%€839k▲ 13.6%
Net result€508k-€651k▲ 28.1%€446k▼ 31.5%€981k▲ 120%€699k▼ 28.7%
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 14% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.44M
Fixed assets
€146k▼ 15.9%
Current assets
€1.29M▼ 42.0%
Equity and liabilities €1.44M
Equity
€899k▼ 34.9%
Debt
€540k▼ 47.3%
The debt ratio falls from 42.6% to 37.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€881k▲
2024 · €779k
Cash flow
€741k▼
2024 · €1.02M
Solvency
62.5%▲
2024 · 57.4%
Current ratio
2.39▲
2024 · 2.18
Quick ratio
2.39▲
2024 · 2.18
Debt / equity
0.60▼
2024 · 0.74
ROE
77.8%▲
2024 · 71.1%
ROA
48.6%▲
2024 · 40.8%
Interest coverage
50.26▼
2024 · 4475.71
Debt
€540k▼
2024 · €1.03M
Debt ≤ 1 year
€540k▼
2024 · €1.03M
Income taxes
€218k▲
2024 · €203k
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€2.41M€1.44M▼
Fixed assets21/28€173k€146k▼
Tangible fixed assets22/27€123k€96k▼
Plant, machinery and equipment23€1k€450▼
Furniture and vehicles24€122k€95k▼
Financial fixed assets28€50k€50k=
Current assets29/58€2.23M€1.29M▼
Amounts receivable after more than one year29€555k€615k▲
Other amounts receivable291€555k€615k▲
Amounts receivable within one year40/41€20k€13k▼
Trade receivables40€15k€13k▼
Other amounts receivable41€5k€308▼
Current investments50/53€1.30M€263k▼
Cash at bank and in hand54/58€358k€395k▲
Deferred charges and accrued income490/1€0€8k▲
Equity and liabilities
Total equity and liabilities10/49€2.41M€1.44M▼
Equity10/15€1.38M€899k▼
Contributions10/11€19k€19k=
Reserves13€1.36M€880k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€1.36M€879k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€1.03M€540k▼
Amounts payable within one year42/48€1.03M€540k▼
Financial debts43€248k€0▼
Credit institutions430/8€248k€0▼
Trade debts44€2k€322▼
Suppliers440/4€2k€322▼
Taxes, remuneration and social security45€80k€43k▼
Taxes450/3€80k€43k▼
Other amounts payable47/48€695k€497k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€42k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€780k€882k▲
Operating profit (loss)9901€739k€839k▲
Financial income75/76B€446k€95k▼
Recurring financial income75€446k€95k▼
Financial charges65/66B€1k€18k▲
Recurring financial charges65€174€18k▲
Non-recurring financial charges66B€1k€0▼
Profit (loss) for the period before taxes9903€1.18M€917k▼
Income taxes67/77€203k€218k▲
Profit (loss) for the period9904€981k€699k▼
Profit (loss) for the period to be appropriated9905€981k€699k▼
Appropriation of the result
Profit (loss) to be appropriated9906€981k€699k▼
Transfer from equity791/2€195k€481k▲
Transfer to equity691/2€481k€0▼
To other reserves6921€481k€0▼
Profit to be distributed694/7€695k€1.18M▲
Return on contributions (dividend)694€695k€1.18M▲
Directors or managers695-€500
The notes to these accounts (7 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
23-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2019net €981k ▲120%
Net result €981k, the highest in the series.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
02-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €1MEq €1.09M ▲87.6%
3 profitable years in a row build equity to €1.09M.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €500kEq €580k ▲177%
2 profitable years in a row build equity to €580k.
05-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
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, Heusden-Zolder · 1 establishment unit since 2018
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.
Parklaan 213550 Heusden-ZolderGround area
2,868 m²
Building footprint
219 m²
Parcel 71065F0273/00F000, Flanders. Linked by address, not a title deed.
1 establishment unit
Philippe Remels
since 20182.281.607.967
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71065F0273/00F000 | Flanders | 2,868 m² | 1 · 219 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 22,052 companies in sector 69101 we hold annual accounts for 9,053. 4,538 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded30-10-2018
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.