PHILPET
ActiveSummary
PHILPET has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €58,881 and a net result of -€1,153. Equity is shrinking by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 69% of 18716 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability26▲+2
Solvency81▼-6
Growth32=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,000 at 30 days acceptable
Liquidity ample (current ratio 2.07 against 2.62 in 2024; short-term debt: 44.1% and cash: 9.1% of total assets), and 44.1% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
55.9%
Return on assets
-1.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-09-2026, 38 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 filingsDeviation from the deadline
2025
38 d late
2024
48 d late
2023
49 d late
2022
65 d late
2021
62 d late
2020
72 d late
2019
101 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 62 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% 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 19 September (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€58,881▼ 15.7%
2024 · €69,839
Total assets
€105,298▼ 5.8%
2024 · €111,812
Net result
-€1,153▲ 15.4%
2024 · -€1,362
Working capital
€49,519▼ 27.2%
2024 · €67,998
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 47, Retail trade, 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€6,220▲ 13.3%-€31,637-€1,590▲ 95.0%€1,794€2,062▲ 14.9%
Net result€4,851within the sector's middle half▼ 2.1%-€31,766below the sector's middle half-€3,333within the sector's middle half▲ 89.5%-€1,362within the sector's middle half▲ 59.1%-€1,153within the sector's middle half▲ 15.4%
Equity€106,300within the sector's middle half▲ 4.8%€74,534within the sector's middle half▼ 29.9%€71,201within the sector's middle half▼ 4.5%€69,839within the sector's middle half▼ 1.9%€58,881within the sector's middle half▼ 15.7%
Total assets€132,373within the sector's middle half▲ 9.9%€93,454within the sector's middle half▼ 29.4%€105,934within the sector's middle half▲ 13.4%€111,812within the sector's middle half▲ 5.5%€105,298within the sector's middle half▼ 5.8%
Debt€26,072▲ 37.2%€18,919▼ 27.4%€34,733▲ 83.6%€41,973▲ 20.8%€46,416▲ 10.6%
Working capital€104,973above the sector's middle half▲ 5.9%€74,321within the sector's middle half▼ 29.2%€71,609within the sector's middle half▼ 3.6%€67,998within the sector's middle half▼ 5.0%€49,519within the sector's middle half▼ 27.2%
Solvency80.3%above the sector's middle half▼ 3.9pp79.8%above the sector's middle half▼ 0.5pp67.2%above the sector's middle half▼ 12.5pp62.5%within the sector's middle half▼ 4.8pp55.9%within the sector's middle half▼ 6.5pp
Current ratio5.20above the sector's middle half▼ 1.325.19above the sector's middle half▼ 0.013.14above the sector's middle half▼ 2.052.62within the sector's middle half▼ 0.522.07within the sector's middle half▼ 0.55
Return on assets (ROA)3.7%within the sector's middle half▼ 0.4pp-34.0%below the sector's middle half▼ 37.7pp-3.1%within the sector's middle half▲ 30.8pp-1.2%within the sector's middle half▲ 1.9pp-1.1%within the sector's middle half▲ 0.1pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, 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 2022 the operating result has climbed three years in a row; 2025 is 15% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €105,298
Fixed assets
€9,362 ▲ 409%
Current assets
€95,936 ▼ 12.8%
Equity and liabilities €105,298
Equity
€58,881 ▼ 15.7%
Debt
€46,416 ▲ 10.6%
Debt's share of the balance-sheet total rises from 37.5% to 44.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€3,216▲
2024 · €2,339
Cash flow
€1▲
2024 · -€817
Quick ratio
0.60▼
2024 · 0.63
Debt to equity
0.79▲
2024 · 0.60
ROE
-2.0%▼
2024 · -2.0%
Interest coverage
1.04▲
2024 · 0.76
Debt ≤ 1 year
€46,416▲
2024 · €41,973
Income taxes
€132▲
2024 · €128
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 12,321 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
0.7%
went bankrupt
8.6%
stopped otherwise
90%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.8% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 12,321 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Goods, raw materials, services and sundry goods60/61 | €436,558 | €384,397 | €386,013 | €367,532 | €385,782 | ▲ 5.0% |
| Remuneration, social security and pensions62 | €0 | €0 | €0 | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,008 | €1,008 | €563 | €545 | €1,154 | ▲ 112% |
| Other operating charges640/8 | €1,572 | €1,645 | €732 | €700 | €645 | ▼ 7.8% |
| Non-recurring operating charges66A | - | €35,000 | - | - | - | - |
| Gross operating margin9900 | €8,801 | €6,016 | -€295 | €3,039 | €3,861 | ▲ 27.1% |
| Operating profit (loss)9901 | €6,220 | -€31,637 | -€1,590 | €1,794 | €2,062 | ▲ 14.9% |
| Financial income75/76B | €2,318 | €2,677 | €720 | €37 | €0 | ▼ 100% |
| Recurring financial income75 | €2,318 | €2,677 | €720 | €37 | €0 | ▼ 100% |
| Financial charges65/66B | €1,424 | €2,694 | €2,340 | €3,065 | €3,082 | ▲ 0.6% |
| Recurring financial charges65 | €1,424 | €2,694 | €2,340 | €3,065 | €3,082 | ▲ 0.6% |
| Profit (loss) for the period before taxes9903 | €7,114 | -€31,654 | -€3,210 | -€1,234 | -€1,021 | ▲ 17.3% |
| Income taxes67/77 | €2,263 | €112 | €123 | €128 | €132 | ▲ 3.1% |
| Profit (loss) for the period9904 | €4,851 | -€31,766 | -€3,333 | -€1,362 | -€1,153 | ▲ 15.4% |
| Profit (loss) for the period to be appropriated9905 | €4,851 | -€31,766 | -€3,333 | -€1,362 | -€1,153 | ▲ 15.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €132,373 | €93,454 | €105,934 | €111,812 | €105,298 | ▼ 5.8% |
| Formation expenses20 | €0 | €0 | €0 | €0 | €0 | - |
| Fixed assets21/28 | €2,387 | €1,379 | €816 | €1,841 | €9,362 | ▲ 409% |
| Intangible fixed assets21 | €0 | €0 | €0 | €0 | €0 | - |
| Tangible fixed assets22/27 | €2,162 | €1,154 | €591 | €1,616 | €9,137 | ▲ 466% |
| Plant, machinery and equipment23 | €0 | €0 | €0 | €0 | €0 | - |
| Furniture and vehicles24 | €2,162 | €1,154 | €591 | €1,616 | €9,137 | ▲ 466% |
| Leasing and similar rights25 | €0 | €0 | €0 | €0 | €0 | - |
| Financial fixed assets28 | €225 | €225 | €225 | €225 | €225 | = |
| Current assets29/58 | €129,986 | €92,075 | €105,118 | €109,972 | €95,936 | ▼ 12.8% |
| Stocks and contracts in progress3 | €65,659 | €48,608 | €75,779 | €83,340 | €68,310 | ▼ 18.0% |
| Stocks30/36 | €65,659 | €48,608 | €75,779 | €83,340 | €68,310 | ▼ 18.0% |
| Amounts receivable within one year40/41 | €62,157 | €35,924 | €20,442 | €20,450 | €18,030 | ▼ 11.8% |
| Trade receivables40 | €0 | €18,471 | €16,164 | €12,994 | €8,204 | ▼ 36.9% |
| Other amounts receivable41 | €62,157 | €17,453 | €4,278 | €7,456 | €9,826 | ▲ 31.8% |
| Cash at bank and in hand54/58 | €2,170 | €7,542 | €8,897 | €6,182 | €9,596 | ▲ 55.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €132,373 | €93,454 | €105,934 | €111,812 | €105,298 | ▼ 5.8% |
| Equity10/15 | €106,300 | €74,534 | €71,201 | €69,839 | €58,881 | ▼ 15.7% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Capital10 | €6,200 | €6,200 | €0 | - | - | - |
| Issued capital100 | €18,600 | €18,600 | €0 | - | - | - |
| Uncalled capital101 | €12,400 | €12,400 | €0 | - | - | - |
| Outside capital11 | - | - | €6,200 | - | - | - |
| Other1109/19 | - | - | €6,200 | - | - | - |
| Reserves13 | €11,665 | €11,665 | €11,665 | €11,665 | €1,860 | ▼ 84.1% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Legal reserve130 | €1,860 | €1,860 | €0 | - | - | - |
| Reserves not available under the articles1311 | - | - | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | €9,805 | €9,805 | €9,805 | €9,805 | €0 | ▼ 100% |
| Profit (loss) carried forward14 | €88,435 | €56,669 | €53,336 | €51,974 | €50,821 | ▼ 2.2% |
| Amounts payable17/49 | €26,072 | €18,919 | €34,733 | €41,973 | €46,416 | ▲ 10.6% |
| Amounts payable within one year42/48 | €25,013 | €17,754 | €33,509 | €41,973 | €46,416 | ▲ 10.6% |
| Current portion of amounts payable after more than one year42 | €0 | €0 | €0 | €0 | €0 | - |
| Financial debts43 | €7,948 | €7,116 | €4,340 | €9,650 | €405 | ▼ 95.8% |
| Credit institutions430/8 | €7,948 | €7,116 | €4,340 | €9,650 | €405 | ▼ 95.8% |
| Trade debts44 | €15,750 | €9,875 | €21,107 | €17,772 | €33,665 | ▲ 89.4% |
| Suppliers440/4 | €15,750 | €9,875 | €21,107 | €17,772 | €33,665 | ▲ 89.4% |
| Taxes, remuneration and social security45 | €1,315 | €763 | €763 | €0 | €563 | - |
| Taxes450/3 | €1,315 | €763 | €763 | €0 | €563 | - |
| Remuneration and social security454/9 | €0 | €0 | €0 | €0 | €0 | - |
| Other amounts payable47/48 | €0 | €0 | €7,299 | €14,551 | €11,783 | ▼ 19.0% |
| Accrued charges and deferred income492/3 | €1,060 | €1,166 | €1,224 | €0 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €4,851 | -€31,766 | -€3,333 | -€1,362 | -€1,153 | ▲ 15.4% |
| + Depreciation and write-downs630 | €1,008 | €1,008 | €563 | €545 | €1,154 | ▲ 112% |
| Operating cash flow (approximation) | €5,859 | -€30,758 | -€2,771 | -€817 | €1 | ▲ 100% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€1,569 | -€8,676 | ▼ 453% |
| Change in cash | - | €5,372 | €1,355 | -€2,714 | €3,413 | ▲ 226% |
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
07-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 38 days late
2025
17-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 48 days late
2024
18-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 49 days late
2023
04-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 65 days late
2022
31-12
Financial
Weakest financial yearnet -€31,766
Net result drops to -€31,766, the lowest in the series; recovery starts the following year.
01-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 62 days late
2021
11-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 72 days late
2020
31-12
Financial
Highest result since 2018net €4,954 ▲132%
Net result €4,954, the highest in the series.
31-12
Financial
Equity above €100,000Eq €101,449 ▲5.1%
2 profitable years in a row build equity to €101,449.
09-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 101 days late
2019
31-12
Financial
Back to profitnet €2,132
Net result €2,132 after one loss-making year.
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 58 days late
2018
10-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 41 days late
2017
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Neupré · 1 establishment unit since 2006
Ground area
1,037 m²
Building footprint
345 m²
Volume, LiDAR
1,272 m³
2 parcels, Wallonia · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LE QUOTIDIEN
since 20062.151.811.772
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62081D0055/00T000 | Wallonia | 862 m² | 1 · 167 m² | - |
| 62081A0118/00R003 | Wallonia | 175 m² | 1 · 178 m² | 8.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteNeupré2.151.811.772
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Of 2,341 companies in sector 47621 we hold annual accounts for 1,245. 1,104 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded27-01-2006
Fiscal year end31-12
Activities, NACEBEL 2025
47621Retail sale of newspapers and periodicals
E-invoicing
Reachable via Peppol
Peppol ID
0208:0878969953
Also
9925:BE0878969953
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.