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Philot

Active Risk: not assessed
Private limited companyfounded 2023active for 3 yearsFazantenweg(Kessel) 4, 2560 Nijlen, BelgiumKBO/BCE: BE 0798.553.191
Summary

Philot 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 €1.1m and a net result of €410,719. Its solvency ranks better than 28% of 6,676 sector peers (NACE 64, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
Activities of holding companies
NACE 64210
5th largest company by total assets in Nijlen, Finance and insurance sector1 site
Size
≈ €660,000turnover 2025, estimated
Equity
€1.1m
Profit
€410,719
Turnover estimated from the gross margin
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
Holdings
1
2025 accounts filed 55 days late
Signalsraises risk2025 accounts filed 55 days lateShow the evidence

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.
Bankruptcy probability, 12 months

This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.

Credit check for your own amount and term

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

Signals

1 signal.
raises risk
raises risk · 2025 accounts filed 55 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-09-2026, 55 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 2 filings
Deviation from the deadline
2025
55 days late
2024
30 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 43 days after the deadline; the sector median (NACE 64) for financial year 2024 is 14 days before the deadline, and 28% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven months
Where today falls in the filing period
30-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2023.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. Equity above €1mequity €1.1m ▲58.1%
  3. Annual accounts filedfinancial year 2024 · abbreviated…

Financials · financial year 2025, abbreviated format

2025 annual accounts filed late (55 days) Filed on 24 September 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00525686.

Equity
€1.1m▲ 58.1%
2024 · €707,494
Net result
€410,719▼ 37.3%
2024 · €655,494
Total assets
€4.3m▲ 1.1%
2024 · €4.2m
Solvency
26.1%▲ 9.4pp
2024 · 16.7%
Trend over the years

2024 to 2025, 2 financial years

The operating result falls in 2025; 2025 is 48% below 2024.

What the company sold each financial year and what was left of it. A loss stands below the zero line.

Operating result€0.5m 2025 Net result€0.4m 2025

Use the arrow keys on the chart for the figures per year.

Sector: the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. 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 financial year before
favourable unfavourable
Line20242025
Operating result€1.0m-€0.5m▼ 47.8%
Net result€0.7mabove the sector's middle half-€0.4mabove the sector's middle half▼ 37.3%
Equity€0.7mwithin the sector's middle half-€1.1mwithin the sector's middle half▲ 58.1%
Total assets€4.2mwithin the sector's middle half-€4.3mabove the sector's middle half▲ 1.1%
Debt€3.5m-€3.2m▼ 10.3%
Working capital-€0.01mwithin the sector's middle half-€0.08mwithin the sector's middle half
Solvency16.7%below the sector's middle half-26.1%within the sector's middle half▲ 9.4pp
Current ratio0.98within the sector's middle half-1.14within the sector's middle half▲ 0.16
Return on assets (ROA)15.5%above the sector's middle half-9.6%within the sector's middle half▼ 5.9pp
above within below the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the abbreviated format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.3m
Fixed assets €3.7m ▲ 0.2%
Current assets €621,576 ▲ 6.6%
Equity and liabilities €4.3m
Equity €1.1m ▲ 58.1%
Debt €3.2m ▼ 10.3%
Debt's share of the balance-sheet total falls from 83.3% to 73.9%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
ROE
36.7%▼
2024 · 92.7%
Debt ≤ 1 year
€544,065▼
2024 · €594,213
Debt > 1 year
€2.6m▼
2024 · €2.9m
Income taxes
€100,597▼
2024 · €196,530
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet Code20242025
Assets
Total assets20/58€4.2m€4.3m▲
Fixed assets21/28€3.7m€3.7m▲
Tangible fixed assets22/27€0.002m€0.01m▲
Plant, machinery and equipment23€0.002m€0.001m▼
Furniture and vehicles24-€0.001m
Other tangible fixed assets26-€0.007m
Financial fixed assets28€3.7m€3.7m=
Current assets29/58€0.6m€0.6m▲
Amounts receivable within one year40/41€0.3m€0.2m▼
Trade receivables40€0.2m€0.004m▼
Other amounts receivable41€0.05m€0.2m▲
Cash at bank and in hand54/58€0.3m€0.5m▲
Deferred charges and accrued income490/1€0.001m-
Equity and liabilities
Total equity and liabilities10/49€4.2m€4.3m▲
Equity10/15€0.7m€1.1m▲
Contributions10/11€0.05m€0.05m=
Profit (loss) carried forward14€0.7m€1.1m▲
Amounts payable17/49€3.5m€3.2m▼
Amounts payable after more than one year17€2.9m€2.6m▼
Financial debts170/4€2.9m€2.6m▼
Amounts payable within one year42/48€0.6m€0.5m▼
Current portion of amounts payable after more than one year42€0.3m€0.3m▲
Trade debts44€430€0.003m▲
Suppliers440/4€430€0.003m▲
Taxes, remuneration and social security45€0.3m€0.2m▼
Taxes450/3€0.3m€0.2m▼
Other amounts payable47/48€0.03m€0.003m▼
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0.001m€0.001m▲
Other operating charges640/8€0.002m€0.001m▼
Gross operating margin9900€1.0m€0.5m▼
Operating profit (loss)9901€1.0m€0.5m▼
Financial income75/76B€0.05m€0.1m▲
Recurring financial income75€0.05m€0.1m▲
Financial charges65/66B€0.2m€0.09m▼
Recurring financial charges65€0.2m€0.09m▼
Profit (loss) for the period before taxes9903€0.9m€0.5m▼
Income taxes67/77€0.2m€0.1m▼
Profit (loss) for the period9904€0.7m€0.4m▼
Profit (loss) for the period to be appropriated9905€0.7m€0.4m▼
Appropriation of the result
Profit (loss) to be appropriated9906€0.7m€1.1m▲
Profit (loss) brought forward from the previous period14P-€0.7m

The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,112€1,258▲ 13.2%
Other operating charges640/8€2,162€1,093▼ 49.4%
Gross operating margin9900€971,029€507,871▼ 47.7%
Operating profit (loss)9901€967,755€505,520▼ 47.8%
Financial income75/76B€50,708€97,666▲ 92.6%
Recurring financial income75€50,708€97,666▲ 92.6%
Financial charges65/66B€166,438€91,870▼ 44.8%
Recurring financial charges65€166,438€91,870▼ 44.8%
Profit (loss) for the period before taxes9903€852,024€511,316▼ 40.0%
Income taxes67/77€196,530€100,597▼ 48.8%
Profit (loss) for the period9904€655,494€410,719▼ 37.3%
Profit (loss) for the period to be appropriated9905€655,494€410,719▼ 37.3%
Line20242025Change
Assets
Total assets20/58€4.2m€4.3m▲ 1.1%
Fixed assets21/28€3.7m€3.7m▲ 0.2%
Tangible fixed assets22/27€0.002m€0.01m▲ 349%
Plant, machinery and equipment23€0.002m€0.001m▼ 30.3%
Furniture and vehicles24-€0.001m-
Other tangible fixed assets26-€0.007m-
Financial fixed assets28€3.7m€3.7m=
Current assets29/58€0.6m€0.6m▲ 6.6%
Amounts receivable within one year40/41€0.3m€0.2m▼ 46.9%
Trade receivables40€0.2m€0.004m▼ 98.4%
Other amounts receivable41€0.05m€0.2m▲ 194%
Cash at bank and in hand54/58€0.3m€0.5m▲ 61.8%
Deferred charges and accrued income490/1€0.001m--
Equity and liabilities
Total equity and liabilities10/49€4.2m€4.3m▲ 1.1%
Equity10/15€0.7m€1.1m▲ 58.1%
Contributions10/11€0.05m€0.05m=
Profit (loss) carried forward14€0.7m€1.1m▲ 62.7%
Amounts payable17/49€3.5m€3.2m▼ 10.3%
Amounts payable after more than one year17€2.9m€2.6m▼ 10.7%
Financial debts170/4€2.9m€2.6m▼ 10.7%
Amounts payable within one year42/48€0.6m€0.5m▼ 8.4%
Current portion of amounts payable after more than one year42€0.3m€0.3m▲ 3.8%
Trade debts44€430€0.003m▲ 514%
Suppliers440/4€430€0.003m▲ 514%
Taxes, remuneration and social security45€0.3m€0.2m▼ 15.7%
Taxes450/3€0.3m€0.2m▼ 15.7%
Other amounts payable47/48€0.03m€0.003m▼ 87.4%
Line20242025Change
Profit (loss) for the period9904€655,494€410,719▼ 37.3%
+ Depreciation and write-downs630€1,112€1,258▲ 13.2%
Operating cash flow (approximation)€656,606€411,977▼ 37.3%
Investment in fixed assets (approximation)--€8,769-
Change in cash-€177,841-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Filings with the National Bank (2)
Financial year Type Filed Reference
31-12-2025 abbreviated format 24-09-2026 2026-00525686
31-12-2024 abbreviated format 30-08-2025 2025-00448592

Similar companies · same sector, comparable size

Of the 24,455 active companies whose main activity is activities of holding companies (NACE 64210), figures are known for 20,124. 12,491 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.

Directors

Directors
2 directors, no change since 2023
SCHOETERS, Guido Jan Victor August
Director (not named in the articles) · since 21-02-2023
Current
VERSTREPEN, Nicole Maria
Director (not named in the articles) · since 21-02-2023
Current
Derived from published Gazette deeds. The KBO keeps the official list of office holders; we do not read it, so the two can differ. See the directors and other office holders in the KBO →

Mandate history

2 people since 2023, 2 in office
Show
  • Board
Mandates per person, with start and end dates
Name Functions and periods
SCHOETERS, Guido Jan Victor August
  • Director (not named in the articles), from 21-02-2023 to date
VERSTREPEN, Nicole Maria
  • Director (not named in the articles), from 21-02-2023 to date
See the board, name and registered office on a given date →

Owners and capital

Capital and shareholders

Shareholders according to the deeds
At incorporation act of 21-02-2023 ↗

The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.

Capital over the years
  1. 21-02-2023 Incorporation · €52,000 · 52 shares

Group and network

Holdings and subsidiaries

1 holding

Holdings 1

According to the 2025 annual accounts of Philot and those of the other companies, the acts in the Belgian Official Gazette and the LEI register. Annual accounts state the shareholders that notified the company under article 7:225 of the Code of Companies and Associations and the parent companies that consolidate it. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not include these statements in its annual accounts, or does not have to, is not listed.

Connections & network

2 current directors
Depth

The board mandates are listed below; here you explore them as a network.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.

Board mandates elsewhere

1 board mandate
Board mandates of this companythis company sits on their board1
1 location

History

On 16 February 2023, Philot was incorporated as a private limited company by four natural persons, with a starting capital of €52,000.12 Of the 2 current board members, 2 have served since 2023.2 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3

  1. 1KBO register
  2. 2Belgian Official Gazette, 21-02-2023
  3. 3National Bank, annual accounts 2025

Acts, filings and financial milestones

Next filing, financial year 2026, expected by 31-07-2027
2026
24-09
NBB filing Annual accounts filed
financial year 2025 · abbreviated format · 55 days late
2025
31-12
Financial Equity above €1mequity €1.1m ▲58.1%
A profit in every financial year since 2024 builds equity to €1.1m.
30-08
NBB filing Annual accounts filed
financial year 2024 · abbreviated format · 30 days late
2023
21-02
Gazette deed Incorporation
Appointments: SCHOETERS, Guido Jan Victor August (director) and VERSTREPEN, Nicole Maria (director) · Founder · Power of attorney12 facts ▸
  • Founder, SCHOETERS, Guido Jan Victor August
  • Founder, VERSTREPEN, Nicole Maria
  • Founder, SCHOETERS, Charlotte
  • Founder, SCHOETERS, Philippe
  • Power of attorney, SCHOETERS, Guido Jan Victor August
  • Power of attorney, VERSTREPEN, Nicole Maria
  • Incorporation, 16-02-2023
  • Founding capital, €52,000
  • Registered office clause, “2560 Kessel,Fazantenweg 4” (deed in Dutch)
  • Board rule, 2
  • Director appointment, SCHOETERS, Guido Jan Victor August (director (not named in the articles))
  • Director appointment, VERSTREPEN, Nicole Maria (director (not named in the articles))
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
1 of 1 deed read

Register details

Identification
Legal formPrivate limited company
Founded16-02-2023
Financial year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID 0208:0798553191
Registered 27-03-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 30 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.

Sites & property

Location & real-estate footprint
Registered office, Nijlen · 1 establishment unit since 2023
registered office establishment The establishment unit on the map
Ground area
2,276 m²
Building footprint
210 m²
Building volume
1,382 m³
Parcel 12018B0165/00D000, Flanders · tallest building 11.2 m. Linked by address, not a title deed.
1 establishment unit
Philot
Fazantenweg(Kessel) 4, 2560 NijlenActivities of holding companies
since 2023unit no. 2.341.866.941
1 parcel
Flanders 1 (100%)
Cadastral parcel Region Area Buildings Height / floors
12018B0165/00D000 Flanders 2,276 m² 1 · 210 m² 11.2 m · 2
How the parcels are linked
Good to know
The parcel matches the address exactly.

Articles of association

What the company does

PurposeThe activities the company may carry out under its articles.
“De deelname onder welke vorm ook aan oprichting, aankoop, uitbreiding, omvorming van ondernemingen en vennootschappen allerhande, alsmede…” (deed in Dutch)
10 activities (deed in Dutch)
  1. De deelname onder welke vorm ook aan oprichting, aankoop, uitbreiding, omvorming van ondernemingen en vennootschappen allerhande, alsmede het verwerven in allerhande ondernemingen van aandelen of rechten in de meest ruime zin onder meer bij wijze van inbreng, onderschrijving, aankoop of op welke wijze ook.
  2. Het beheer van allerhande patrimonia, de deelname aan de ontwikkeling en de coördinatie van ondernemingen, aan het bestuur, het toezicht en aan de vereffening van vennootschappen, het verstrekken van technische, administratieve, financiële assistentie, en van consultancy inzake management en marketing, dit alles hetzij op contractuele basis dan wel als wettelijk of statutair orgaan van de onderneming, waarbij met het oog hierop de vennootschap het mandaat van zaakvoerder, bestuurder, beheerder, directeur en vereffenaar van andere rechtspersonen kan uitoefenen.
  3. Het aanleggen, het oordeelkundig uitbouwen en beheren van een roerend vermogen; alle verrichtingen met betrekking tot roerende goederen en rechten van welke aard ook, zoals het verwerven door inschrijving of aankoop, het beheren van aandelen, aandelenopties, obligaties, kasbons, afgeleide producten of andere roerende waarden, van welke vorm ook, uitgegeven door Belgische of buitenlandse emittenten.
  4. Het toestaan van leningen en kredietopening aan rechtspersonen en ondernemingen of particulieren, in eender welke vorm; het zich borg stellen of aval verlenen, ten voordele van vennootschappen of particulieren in de meeste ruime zin; alle handelsoperaties en financiële operaties verrichten, behalve deze die wettelijk voorbehouden zijn aan depositobanken, houders van deposito’s op korte termijn, spaarkassen hypotheekmaatschappijen en kapitalisatieondernemingen.
  5. Het verwerven, vervreemden, beheren, uitbaten, valoriseren, renoveren, verkavelen, huren en verhuren, doen bouwen of doen verbouwen, de promotie van en in onroerende goederen evenals alle welkdanige onroerende transacties in de meest brede zin met inbegrip van de onroerende leasing.
  6. Het verstrekken van raad en advies in de ruimste zin der maatschappelijke behoeften.
  7. Alle verrichtingen die rechtstreeks of onrechtstreeks betrekking hebben op het beheer van het eigen roerend patrimonium, en het valoriseren van dit patrimonium door het stellen van alle daden van beheer en bestuur, waaronder de aankoop, verkoop, verhuring, zelf in huur nemen, ruilen van alle roerende goederen en roerende rechten, financiele activa, beleggingsproducten in de ruimste zin.
  8. Zij heeft in het algemeen de volle rechtsbekwaamheid om alle handelingen en verrichtingen te voltrekken die een rechtstreeks of onrechtstreeks verband houden met haar voorwerp of welke van die aard zouden zijn dat zij de verwezenlijking van dit voorwerp, rechtstreeks of onrechtstreeks, geheel of ten dele vergemakkelijken.
  9. Zij kan belangen nemen door associatie, inbreng, fusie, financiële tussenkomst of op gelijk welke andere wijze, in alle vennootschappen, verenigingen of ondernemingen met een identiek, gelijklopend of samenhangend voorwerp met het hare, of die van aard kunnen zijn de ontwikkeling van haar onderneming te begunstigen of een bron van afzetten te vormen.
  10. De vennootschap kan zowel voor eigen rekening als voor rekening van derden binnen de perken van de wet alle financiële, commerciële, industriële daden en verrichtingen stellen met roerend of onroerend karakter, die rechtstreeks of onrechtstreeks, geheel of gedeeltelijk, verband houden met haar voorwerp, de ontwikkeling ervan kunnen teweegbrengen of de verwezenlijking ervan kunnen vergemakkelijken.

The full purpose is in the deed

DurationHow long the company exists; usually unlimited, so until it is dissolved.
Unlimited
Name clauseThe name the company operates under according to its articles.
Philot
Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
“Vlaams Gewest” (deed in Dutch)

deed of 21-02-2023

Who represents it, and how

Board ruleHow the board is made up, meets and takes decisions.
“Algemene vergadering die bestuurder(s)benoemt bepaalt aantal,duur opdracht en bij meerdere bevoegdheid, met of zonder beperking van duur” (deed in Dutch)

deed of 21-02-2023

Meetings and financial year

Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
First Monday of June at 11:00

deed of 21-02-2023

Oversight and winding up

Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
“Goederen nog in natura opzelfde wijze verdeeld, netto-actief verdeeld naar verhouding aantal aandelen” (deed in Dutch)

deed of 21-02-2023

Other provisionsOther rules from the articles that fall under none of the themes above.

Other provision: “Alle handelingen nodig of dienstig voor verwezenlijking voorwerp, volmacht per schriftelijk reproduceerbaar middel met handtekening aan…” (deed in Dutch)
Other provision: “Vergoeding bestuurders, ten kosteloze titel” (deed in Dutch)
Other provision: “Gedelegeerd bestuurder, dagelijks bestuur” (deed in Dutch)
Other provision: “Stemrecht, wettelijke en statutaire bepalingen betreffende aandelen zonder stemrecht” (deed in Dutch)
Other provision: “Bestemming winst-reserves, algemene vergadering op voorstel bestuursorgaan” (deed in Dutch)
1 more provision in the deed, see the deed of 21-02-2023

deed of 21-02-2023