Summary
PHILOMEL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €157,016 and a net result of €90,864. Equity is growing by ~37.5% per year across the filed fiscal years. Its solvency ranks better than 28% of 8211 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 05-03-2026, 148 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
148 d early
2024
85 d early
2023
51 d early
2022
38 d early
2021
31 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 71 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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. Usually files around 11 June (4 of the last 5 filed years within 35 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€157,016▲ 22.0%
2024 · €128,652
Net result
€90,864▲ 2.4%
2024 · €88,714
Total assets
€653,094▲ 328%
2024 · €152,439
Solvency
24.0%▼ 60.4pp
2024 · 84.4%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€1,783-€71,379€56,850▼ 20.4%€114,858▲ 102%€124,150▲ 8.1%
Net result-€1,818below the sector's middle half-€54,933within the sector's middle half€44,138within the sector's middle half▼ 19.7%€88,714above the sector's middle half▲ 101%€90,864above the sector's middle half▲ 2.4%
Equity€1,182below the sector's middle half-€56,115within the sector's middle half▲ 4,648%€100,253within the sector's middle half▲ 78.7%€128,652within the sector's middle half▲ 28.3%€157,016within the sector's middle half▲ 22.0%
Total assets€19,026below the sector's middle half-€66,824below the sector's middle half▲ 251%€115,171below the sector's middle half▲ 72.3%€152,439within the sector's middle half▲ 32.4%€653,094within the sector's middle half▲ 328%
Debt€17,844-€10,709▼ 40.0%€14,918▲ 39.3%€23,787▲ 59.5%€496,078▲ 1,986%
Working capital€8,912within the sector's middle half-€36,434within the sector's middle half▲ 309%€61,612within the sector's middle half▲ 69.1%€71,051within the sector's middle half▲ 15.3%€47,783within the sector's middle half▼ 32.7%
Solvency6.2%below the sector's middle half-84.0%above the sector's middle half▲ 77.8pp87.0%above the sector's middle half▲ 3.1pp84.4%above the sector's middle half▼ 2.7pp24.0%within the sector's middle half▼ 60.4pp
Current ratio1.88within the sector's middle half-4.40above the sector's middle half▲ 2.525.13above the sector's middle half▲ 0.733.99within the sector's middle half▼ 1.142.33within the sector's middle half▼ 1.65
Return on assets (ROA)-9.6%below the sector's middle half-82.2%above the sector's middle half▲ 91.8pp38.3%above the sector's middle half▼ 43.9pp58.2%above the sector's middle half▲ 19.9pp13.9%within the sector's middle half▼ 44.3pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
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 8% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €653,094
Fixed assets
€569,506 ▲ 889%
Current assets
€83,588 ▼ 11.9%
Equity and liabilities €653,094
Equity
€157,016 ▲ 22.0%
Debt
€496,078 ▲ 1,986%
Debt's share of the balance-sheet total rises from 15.6% to 76.0%. Equity and debt are higher.
Key figures and ratios
ROE
57.9%▼
2024 · 69.0%
Debt ≤ 1 year
€35,805▲
2024 · €23,787
Debt > 1 year
€460,273
Income taxes
€26,828▲
2024 · €25,402
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €224 | €237 | €237 | €28,876 | ▲ 12,102% |
| Other operating charges640/8 | €327 | €0 | - | €387 | €1,481 | ▲ 282% |
| Non-recurring operating charges66A | - | - | - | - | €12 | - |
| Gross operating margin9900 | -€1,456 | €71,604 | €57,087 | €115,482 | €154,519 | ▲ 33.8% |
| Operating profit (loss)9901 | -€1,783 | €71,379 | €56,850 | €114,858 | €124,150 | ▲ 8.1% |
| Financial income75/76B | - | €0 | €652 | €165 | €429 | ▲ 160% |
| Recurring financial income75 | - | €0 | €652 | €165 | €429 | ▲ 160% |
| Financial charges65/66B | - | €2,076 | €752 | €907 | €6,888 | ▲ 659% |
| Recurring financial charges65 | - | €2,076 | €752 | €907 | €6,888 | ▲ 659% |
| Profit (loss) for the period before taxes9903 | -€1,783 | €69,303 | €56,750 | €114,116 | €117,692 | ▲ 3.1% |
| Income taxes67/77 | €35 | €14,370 | €12,613 | €25,402 | €26,828 | ▲ 5.6% |
| Profit (loss) for the period9904 | -€1,818 | €54,933 | €44,138 | €88,714 | €90,864 | ▲ 2.4% |
| Profit (loss) for the period to be appropriated9905 | -€1,818 | €54,933 | €44,138 | €88,714 | €90,864 | ▲ 2.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €19,026 | €66,824 | €115,171 | €152,439 | €653,094 | ▲ 328% |
| Fixed assets21/28 | - | €19,682 | €38,641 | €57,600 | €569,506 | ▲ 889% |
| Tangible fixed assets22/27 | - | €486 | €249 | €12 | €511,918 | ▲ 4,148,341% |
| Land and buildings22 | - | - | - | - | €361,029 | - |
| Furniture and vehicles24 | - | €486 | €249 | €12 | €3,025 | ▲ 24,414% |
| Assets under construction and advance payments27 | - | - | - | - | €147,864 | - |
| Financial fixed assets28 | - | €19,196 | €38,392 | €57,588 | €57,588 | = |
| Current assets29/58 | €19,026 | €47,143 | €76,530 | €94,838 | €83,588 | ▼ 11.9% |
| Amounts receivable after more than one year29 | - | - | €36,719 | €27,235 | €12,178 | ▼ 55.3% |
| Other amounts receivable291 | - | - | €36,719 | €27,235 | €12,178 | ▼ 55.3% |
| Amounts receivable within one year40/41 | €18,750 | €13,350 | €3,715 | €52,752 | €32,934 | ▼ 37.6% |
| Trade receivables40 | - | €13,000 | €0 | €52,752 | €19,763 | ▼ 62.5% |
| Other amounts receivable41 | €18,750 | €350 | €3,715 | €0 | €13,172 | - |
| Cash at bank and in hand54/58 | €276 | €33,792 | €33,595 | €14,852 | €37,136 | ▲ 150% |
| Deferred charges and accrued income490/1 | - | - | €2,500 | €0 | €1,340 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €19,026 | €66,824 | €115,171 | €152,439 | €653,094 | ▲ 328% |
| Equity10/15 | €1,182 | €56,115 | €100,253 | €128,652 | €157,016 | ▲ 22.0% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Reserves13 | - | €53,115 | €97,253 | €125,652 | €154,016 | ▲ 22.6% |
| Distributable reserves133 | - | €53,115 | €97,253 | €125,652 | €154,016 | ▲ 22.6% |
| Profit (loss) carried forward14 | -€1,818 | €0 | - | €0 | €0 | - |
| Amounts payable17/49 | €17,844 | €10,709 | €14,918 | €23,787 | €496,078 | ▲ 1,986% |
| Amounts payable after more than one year17 | €7,730 | - | - | - | €460,273 | - |
| Financial debts170/4 | - | - | - | - | €460,273 | - |
| Other amounts payable178/9 | €7,730 | - | - | - | - | - |
| Amounts payable within one year42/48 | €10,114 | €10,709 | €14,918 | €23,787 | €35,805 | ▲ 50.5% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €9,727 | - |
| Financial debts43 | - | - | - | €2,034 | €10,231 | ▲ 403% |
| Credit institutions430/8 | - | - | - | €2,034 | €10,231 | ▲ 403% |
| Trade debts44 | €1,222 | €125 | €908 | €1,439 | €1,897 | ▲ 31.8% |
| Suppliers440/4 | €1,222 | €125 | €908 | €1,439 | €1,897 | ▲ 31.8% |
| Advances received on contracts in progress46 | €5,000 | €0 | - | - | - | - |
| Taxes, remuneration and social security45 | €3,892 | €10,445 | €14,010 | €20,314 | €0 | ▼ 100% |
| Taxes450/3 | €1,412 | €10,445 | €14,010 | €20,314 | €0 | ▼ 100% |
| Remuneration and social security454/9 | €2,480 | €0 | - | - | - | - |
| Other amounts payable47/48 | - | €138 | €0 | - | €13,950 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€1,818 | €54,933 | €44,138 | €88,714 | €90,864 | ▲ 2.4% |
| + Depreciation and write-downs630 | - | €224 | €237 | €237 | €28,876 | ▲ 12,102% |
| Operating cash flow (approximation) | -€1,818 | €55,158 | €44,374 | €88,951 | €119,740 | ▲ 34.6% |
| Investment in fixed assets (approximation) | - | - | -€19,196 | -€19,196 | -€540,781 | ▼ 2,717% |
| Change in cash | - | €33,516 | -€197 | -€18,744 | €22,284 | ▲ 219% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
05-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €90,864 ▲2.4%
Operating result €124,150, net result €90,864, both a record.
31-12
Financial
Equity above €150,000Eq €157,016 ▲22%
4 profitable years in a row build equity to €157,016.
07-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100,000Eq €100,253 ▲78.7%
2 profitable years in a row build equity to €100,253.
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €54,933
Net result €54,933 after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 4.40
Current ratio from 1.88 to 4.40.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company in the Gazette acts read. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Affligem · 1 establishment unit since 2021
Ground area
390 m²
Building footprint
118 m²
Volume, LiDAR
751 m³
Parcel 23030A1050/00G000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PHILOMEL
since 20212.317.835.190
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23030A1050/00G000indicative | Flanders | 390 m² | 1 · 118 m² | 9.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
0 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 24,721 companies in this sector we hold annual accounts for 19,804. 13,317 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded27-05-2021
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0768810716
Also
9925:BE0768810716
Registered
21-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.