PHILIPPE STEVENS
ActivePHILIPPE STEVENS has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €315k and a net result of €-3k. Equity is growing by ~7.3% per year across the filed fiscal years. Its solvency ranks better than 67% of 17987 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-19
Solvency97▼-3
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 2.21 against 2.88 in 2024), and 45.7% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
54.3%
Return on assets
-0.5%
Age of the figures
17 mo
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 24-10-2025, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
2 d early
2023
1 d early
2022
4 d late
2021
53 d late
2020
30 d late
2019
14 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 close13-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-3k
2024 · €12k
2019: €-2k
2020: €20k
2021: €68k
2022: €26k
2023: €704
2024: €12k
2019 → 2025
Working capital
€262k▼ 12.6%
2024 · €300k
2019: €181k
2020: €221k
2021: €271k
2022: €296k
2023: €290k
2024: €300k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€279k-€305k▲ 9.3%€306k▲ 0.2%€318k▲ 3.8%€315k▼ 0.8%
Operating result€88k-€35k▼ 60.4%€4k▼ 89.9%€21k▲ 488%€4k▼ 80.5%
Net result€68k-€26k▼ 61.7%€704▼ 97.3%€12k▲ 1,572%€-3k
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 80% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €580k
Fixed assets
€101k▲ 298%
Current assets
€479k▲ 4.3%
Equity and liabilities €580k
Equity
€315k▼ 0.8%
Debt
€265k▲ 58.8%
The debt ratio rises from 34.4% to 45.7%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€19k▼
2024 · €28k
Cash flow
€12k▼
2024 · €19k
Solvency
54.3%▼
2024 · 65.6%
Current ratio
2.21▼
2024 · 2.88
Quick ratio
0.62▼
2024 · 0.76
Debt / equity
0.84▲
2024 · 0.52
ROE
-0.8%▼
2024 · 3.7%
ROA
-0.5%▼
2024 · 2.4%
Interest coverage
1.42▼
2024 · 2.29
Debt
€265k▲
2024 · €167k
Debt ≤ 1 year
€217k▲
2024 · €159k
Debt > 1 year
€48k▲
2024 · €8k
Income taxes
€497▼
2024 · €5k
Staff costs
€83k▼
2024 · €96k
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€485k€580k▲
Fixed assets21/28€25k€101k▲
Tangible fixed assets22/27€25k€101k▲
Land and buildings22€3k€2k▼
Furniture and vehicles24€23k€99k▲
Current assets29/58€459k€479k▲
Stocks and contracts in progress3€339k€345k▲
Stocks30/36€339k€345k▲
Amounts receivable within one year40/41€91k€103k▲
Trade receivables40€82k€100k▲
Other amounts receivable41€9k€4k▼
Cash at bank and in hand54/58€22k€22k▼
Deferred charges and accrued income490/1€7k€8k▲
Equity and liabilities
Total equity and liabilities10/49€485k€580k▲
Equity10/15€318k€315k▼
Contributions10/11€19k€19k=
Reserves13€299k€299k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€14k€14k=
Distributable reserves133€284k€284k=
Profit (loss) carried forward14-€-3k
Amounts payable17/49€167k€265k▲
Amounts payable after more than one year17€8k€48k▲
Financial debts170/4€8k€48k▲
Amounts payable within one year42/48€159k€217k▲
Current portion of amounts payable after more than one year42€9k€26k▲
Financial debts43€47k€38k▼
Credit institutions430/8€47k€38k▼
Trade debts44€49k€125k▲
Suppliers440/4€49k€125k▲
Taxes, remuneration and social security45€55k€23k▼
Taxes450/3€20k€12k▼
Remuneration and social security454/9€34k€11k▼
Other amounts payable47/48-€5k
Income statement
Code20242025
Remuneration, social security and pensions62€96k€83k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€15k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-29k€1k▲
Other operating charges640/8€2k-
Gross operating margin9900€96k€103k▲
Operating profit (loss)9901€21k€4k▼
Financial income75/76B€8k€7k▼
Recurring financial income75€8k€7k▼
Financial charges65/66B€12k€13k▲
Recurring financial charges65€12k€13k▲
Profit (loss) for the period before taxes9903€17k€-2k▼
Transfer from deferred taxes780€15-
Income taxes67/77€5k€497▼
Profit (loss) for the period9904€12k€-3k▼
Transfer from tax-exempt reserves789€29-
Profit (loss) for the period to be appropriated9905€12k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€-3k▼
Transfer to equity691/2€12k-
To other reserves6921€12k-
The notes to these accounts (9 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
24-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Weakest financial yearnet €-3k ▼123%
Net result drops to €-3k, the lowest in the series.
2024
29-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2022
04-11
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 4 days late
2021
23-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 53 days late
31-03
Financial
Highest result since 2019net €68k ▲235%
Operating result €88k, net result €68k, both a record.
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
31-03
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
2019
17-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2016
09-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 39 days late
2015
04-11
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 4 days late
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, Blégny · 1 establishment unit since 2001
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.
Champs de Tignée 264671 BlégnyGround area
931 m²
Building footprint
1,036 m²
Volume, LiDAR
6,995 m³
Parcel 62010A0132/00Z000, Wallonia · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DIGIT'HOME
since 20012.094.433.106
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62010A0132/00Z000 | Wallonia | 931 m² | 1 · 1,036 m² | 8.1 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 1,503 companies in sector 47540 we hold annual accounts for 801. 643 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-04-2001
Fiscal year end31-03
Activities, NACEBEL
47540Retail sale of electrical household appliances
52450
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.