PHILISCADENT

Active

Private limited company (pre-2019)founded 200521 yrs activeRue des Gnolys(Thy) 28, 5651 Walcourt, BelgiumKBO/BCE: BE 0874.628.808

Summary

PHILISCADENT has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €106,443 and a net result of €39,689. Equity is growing by ~4.5% per year across the filed fiscal years. Its solvency ranks better than 52% of 2603 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch Report Compare

PHILISCADENTActiveChecked score 92/100

Risk analysis Report Compare

Activity

Dental practice

NACE 86230

1 site

Size

€170,582total assets 2025

Equity: €106,443
Profit: €39,689

Turnover not published (abridged schema)

Financial health

92 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.1%

Structure

Accounts filed 31 d late0 of 2 deeds read

Why 92- Latest accounts 31 days late; 1 of the last 3 late+ Sector Human health activities (NACE 86)+ Founded in 2005+ Figures for FY 2025 (filed 31-08-2026)Show the evidence

Checked score

Score 2025

92 / 100

Excellent

Probability in this band: under 0.55%

Better than 35% of its sector peers (NACE 86, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 87-13

equity 62.4% of total assets

Liquidity 38-12

short-term debt 37.6% · cash 4.6%

Profitability 98+6

return on assets 23.3%

Bankruptcy probability, 12 months

0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (23,628 companies)

Last 4 months 07-2026: < 0.1%lowest value 08-2026: 0.1%▲ +138% vs 07-2026highest value 09-2026: 0.1%▼ -42.9% vs 08-2026 10-2026: 0.1%● 0.0% vs 09-2026

Sector Human health activities (NACE 86) lowers the probability
Latest accounts 31 days late; 1 of the last 3 late raises the probability
Founded in 2005 lowers the probability for this profile
Figures for FY 2025 (filed 31-08-2026) lowers the probability

Credit up to €9,000 at 30 days acceptable

Liquidity ample (current ratio 2.19 against 3.86 in 2024; short-term debt: 37.6% and cash: 4.6% of total assets), and 37.6% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 86, micro). Better than this share of them on solvency 50%, liquidity 9%, profitability 58%, growth against the median 22%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Sector Human health activities (NACE 86)

In the bankruptcy model this factor lowers the probability.

KBO

Latest accounts 31 days late; 1 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Founded in 2005

In the bankruptcy model this factor lowers the probability for this profile.

KBO

Figures for FY 2025 (filed 31-08-2026)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 filings

Deviation from the deadline

2025

31 d late

2024

27 d late

2023

29 d late

2022

31 d early

2021

30 d late

2020

30 d late

2019

91 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 30 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 30 August (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage