PHILIPPE VANCLOOSTER
ActiveSummary
PHILIPPE VANCLOOSTER has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.17M and a net result of €-65k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 60% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▲+27
Solvency91▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €160k at 30 days acceptable
Liquidity short (current ratio 0.14 against 0.05 in 2024; short-term debt: 26.5% and cash: 2.8% of total assets), and 34.4% of the assets are financed with debt.
Credit check 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 70
Relative position
BE, all sectors
reference
Sector 70
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
65.6%
Return on assets
-2%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-65k
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 23-03-2026, 130 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
130 d early
2024
78 d early
2023
30 d early
2022
111 d early
2021
143 d early
2020
138 d early
2019
73 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2.17M▼ 2.9%
2024 · €2.23M
2018: €1.99M
2019: €2.20M
2020: €2.38M
2021: €2.37M
2022: €2.40M
2023: €2.39M
2024: €2.23M
2018 → 2025
Total assets
€3.31M▼ 3.6%
2024 · €3.43M
2018: €2.63M
2019: €2.86M
2020: €2.95M
2021: €2.94M
2022: €3.71M
2023: €3.26M
2024: €3.43M
2018 → 2025
Net result
€-65k▲ 58.5%
2024 · €-157k
2018: €265k
2019: €207k
2020: €180k
2021: €206k
2022: €99k
2023: €42k
2024: €-157k
2018 → 2025
Working capital
€-753k▲ 13.5%
2024 · €-871k
2018: €191k
2019: €511k
2020: €617k
2021: €584k
2022: €-126k
2023: €-392k
2024: €-871k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.37M-€2.40M▲ 1.5%€2.39M▼ 0.5%€2.23M▼ 6.6%€2.17M▼ 2.9%
Operating result€295k-€152k▼ 48.5%€86k▼ 43.3%€-118k€-28k▲ 76.1%
Net result€206k-€99k▼ 52.0%€42k▼ 57.5%€-157k€-65k▲ 58.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €28k in 2025 against €118k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.31M
Fixed assets
€3.18M ▼ 6.0%
Current assets
€122k ▲ 198%
Equity and liabilities €3.31M
Equity
€2.17M ▼ 2.9%
Debt
€1.14M ▼ 4.8%
Debt's share of the balance-sheet total falls from 34.9% to 34.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€219k▲
2024 · €107k
Cash flow
€182k▲
2024 · €68k
Current ratio
0.14▲
2024 · 0.05
Debt to equity
0.53▼
2024 · 0.54
ROE
-3.0%▲
2024 · -7.0%
ROA
-2.0%▲
2024 · -4.6%
Interest coverage
6.07▲
2024 · 3.12
Debt ≤ 1 year
€876k▼
2024 · €912k
Debt > 1 year
€242k▼
2024 · €263k
Income taxes
€779▼
2024 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€3.43M€3.31M▼
Fixed assets21/28€3.39M€3.18M▼
Tangible fixed assets22/27€3.39M€3.18M▼
Land and buildings22€2.13M€2.06M▼
Plant, machinery and equipment23€1.25M€1.12M▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€41k€122k▲
Amounts receivable within one year40/41€11k€29k▲
Trade receivables40€11k€29k▲
Other amounts receivable41€0€334▲
Current investments50/53€0-
Cash at bank and in hand54/58€30k€94k▲
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€3.43M€3.31M▼
Equity10/15€2.23M€2.17M▼
Contributions10/11€40k€40k=
Reserves13€1.77M€1.77M=
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Distributable reserves133€1.76M€1.76M=
Profit (loss) carried forward14€427k€362k▼
Amounts payable17/49€1.20M€1.14M▼
Amounts payable after more than one year17€263k€242k▼
Financial debts170/4€256k€239k▼
Other amounts payable178/9€7k€3k▼
Amounts payable within one year42/48€912k€876k▼
Current portion of amounts payable after more than one year42€16k€17k▲
Financial debts43€562k€562k=
Credit institutions430/8€562k€562k=
Trade debts44€5k€306▼
Suppliers440/4€5k€306▼
Taxes, remuneration and social security45€9k€8k▼
Taxes450/3€9k€8k▼
Other amounts payable47/48€320k€288k▼
Accrued charges and deferred income492/3€21k€21k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€225k€248k▲
Other operating charges640/8€23k€24k▲
Gross operating margin9900€130k€244k▲
Operating profit (loss)9901€-118k€-28k▲
Financial income75/76B€263€40▼
Recurring financial income75€263€40▼
Financial charges65/66B€34k€36k▲
Recurring financial charges65€34k€36k▲
Profit (loss) for the period before taxes9903€-152k€-64k▲
Income taxes67/77€5k€779▼
Profit (loss) for the period9904€-157k€-65k▲
Profit (loss) for the period to be appropriated9905€-157k€-65k▲
Appropriation of the result
Profit (loss) to be appropriated9906€427k€362k▼
Profit (loss) brought forward from the previous period14P€584k€427k▼
Transfer from equity791/2€0-
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
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
23-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
14-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-157k
Net result drops to €-157k, the lowest in the series; recovery starts the following year.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
10-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
04-09
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
04-09
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
19-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €2MEq €2.20M ▲10.4%
2 profitable years in a row build equity to €2.20M.
11-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
08-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
23-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Schaarbeek
Ground area
243 m²
Building footprint
183 m²
Volume, LiDAR
2,347 m³
Parcel 21911C0136/00F011, Brussels · tallest building 16.8 m, ±4 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21911C0136/00F011 | Brussels | 243 m² | 1 · 183 m² | 16.8 m · 4 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 82,562 companies in sector 70200 we hold annual accounts for 52,574. 19,211 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded23-07-2001
Fiscal year end31-12
Abbreviation NL
PVC
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:philippe.vanclooster@skynet.be