PHILONA

Active

Private limited companyfounded 20251 yr activeDonkerstraat 46C, 2820 Bonheiden, BelgiumKBO/BCE: BE 1022.677.730

Summary

PHILONA has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33,304 and a net result of €30,304. Its solvency ranks better than 37% of 38777 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch Report Compare

PHILONAActiveChecked score 95/100

Risk analysis Report Compare

Activity

Business and other management consultancy

NACE 70200

1 site

Size

€83,136total assets 2025

Equity: €33,304
Profit: €30,304

Turnover not published (abridged schema)

Financial health

95 Excellent Checked score 2025

Bankruptcy chance 12 m: < 0.1%

Structure

Accounts 9 d early0 of 1 deed read

Why 95- Founded in 2025+ Sector Activities of head offices; management consultancy activities (NACE 70)+ Liquidity: current ratio 1.62, cash €43,287+ Size: total assets €83,136Show the evidence

Checked score

Score 2025

95 / 100

Excellent

Probability in this band: under 0.55%

Better than 61% of its sector peers (NACE 70, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength

Strong

Solvency 65

equity 40.1% of total assets

Liquidity 69

short-term debt 59.9% · cash 52.1%

Profitability 100

return on assets 36.5%

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% (47,788 companies)

Last 24 months 05-2026: 0.4% 06-2026: 0.4%● 0.0% vs 05-2026 07-2026: 0.4%▲ +2.2% vs 06-2026highest value 08-2026: < 0.1%▼ -88.2% vs 07-2026lowest value 09-2026: < 0.1%● 0.0% vs 08-2026lowest value 10-2026: < 0.1%● 0.0% vs 09-2026lowest value

Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
Liquidity: current ratio 1.62, cash €43,287 lowers the probability
Size: total assets €83,136 lowers the probability for this profile
Founded in 2025 raises the probability for this profile

Credit up to €3,000 at 30 days acceptable

Liquidity ample (current ratio 1.62; short-term debt: 59.9% and cash: 52.1% of total assets), but 59.9% 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 70, micro). Better than this share of them on solvency 38%, liquidity 61%, profitability 85%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. 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.

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