Result
€79,311 ▲ 520%
The result rose in 2025 from €12,789 to €79,311.
Philotax
Lifetime
2 annual accounts with figures on one time axispeak €100,875 (2025)
€100,875▲ 519%
peak €79,311 (2025)
€79,311▲ 520%
peak €94,600 (2025)
€94,600▲ 519%
€22,516▲ 35.9%
Board1 name since 2024
1 directorVANHOOREBEECK Cedric
Documentsfilings and deeds
22-07-20269 days before the deadline
2025micro format
Gross margin from €16,305 to €100,875Result from €12,789 to €79,311Equity from €15,289 to €94,600Debts from €16,574 to €22,516Cash from €2,434 to €55,929
Key points
from the 2025 annual accountsInvestments
€7,798 9.3 × depreciation
Green is investment, beige is depreciation.
Liquidity
4.89 was 2.20 in 2024
Short-term debts rose from €14,474 to €22,516.
Checked score
98
Excellent
Financially stronger than 86% of micro companies in human health (NACE 86)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 24,192 companies (NACE 86, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2025: 0.1%
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026highest value
08-2026: < 0.1%▼ -0.1 percentage points vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
lowers risk
Sector: Human health activities (NACE 86)
Liquidity: current ratio 4.89, cash €55,929
Equity €94,600 (80.8% of total assets)
Figures for financial year 2025 (filed on 22-07-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 86, micro). It does better than 82% of them on solvency, 81% on liquidity, 80% on profitability and 99% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as Philotax has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Philotax itself is lower: < 0.1% within 12 months. It rests on far more data about Philotax than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for Philotax. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €9,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity is ample, with a current ratio of 4.89 (2.2 in 2024), above the usual 1.5. Short-term debt is 19.2% and cash 47.8% of total assets. 19.2% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Young company
Founded in 2024, 2 years ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
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 22-07-2026, 9 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
9 days early
2024
7 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 1 day before the deadline. In the sector (NACE 86), the median for financial year 2024 was 7 days before the deadline, and 36% 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 monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1014546160
Incorporation
Founding capital of €2,500, 100 shares · Founder: VANHOOREBEECK Cedric · Appointment: VANHOOREBEECK Cedric (director) · published on 04-10-2024 · Gazette deed
First establishment
Wittemoerstraat 2, Beernem
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Philotax Beernem | €117,116 | €100,875 | 80.8% | - |
| Medisch G. Sierens Bruges | €109,995 | €104,821 | 72.1% | - |
| SALMONCO Neupré | €119,799 | €102,969 | 79.4% | - |
| LERIX Grobbendonk | €118,998 | €104,960 | 76.5% | - |
| DOCTEUR MARION HUBERT Waremme | €120,234 | €95,440 | 86.1% | - |
| société médicale Fanny KAESMACHER Donceel | €116,510 | €94,980 | 65.3% | - |
| Docteur A. IANCU Seraing | €126,521 | €107,834 | 1.2% | - |
These companies have the same main activity as Philotax: specialist medical practice (NACE 86220). They are comparable in size and age: total assets between €110,000 and €127,000, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 02-10-2024Normal situation
- Activity
- Specialist medical practiceNACE 86220and 2 others
- Establishment unit
- 2.365.264.5298730 Beernem, since 02-10-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 16-01-2026
Annual accounts 2025
- ≈ €190,000estimated
- €117,116▲ 268%
- Filing
- Filed on 22-07-2026, 9 days before the end of the filing period
Insights on Philotax
Philotax has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €94,600 and a net result of €79,311.
Its solvency ranks better than 71% of 20,767 sector peers (NACE 86, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Philotax
- What is the company number of Philotax?
- The company number of Philotax is 1014.546.160. The VAT number is the same number with BE in front: BE 1014.546.160.
- Where is Philotax based?
- The registered office is at Wittemoerstraat 2, 8730 Beernem.Company details
- What does Philotax do?
- According to the KBO register, the main activity is specialist medical practice (NACE 86220).
- What is the legal form of Philotax?
- Philotax is a private limited company (BV).
- When was Philotax founded?
- Philotax was founded on 02-10-2024.
- Is Philotax still active?
- Yes, Philotax is an active enterprise in the KBO register.
- What is the turnover of Philotax?
- The turnover in financial year 2025 is ≈ €190,000. This figure is estimated from the gross margin of €100,875 and 41 comparable companies (NACE 86220). It probably lies between €160,000 and €250,000.Financials
- Is Philotax profitable?
- In financial year 2025, Philotax made a profit of €79,311.
- Where can I find the annual accounts of Philotax?
- Philotax filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Philotax due?
- Philotax must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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