PHILUNI
ActiveThe computed 12-month bankruptcy probability of PHILUNI is 2.3% (moderate). The 2025 annual accounts show equity of €453k and a net result of €24k. Equity is growing by ~4.9% per year across the filed fiscal years. The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▲+1
Solvency99=
Growth78=
Track record94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity tight (current ratio 1.21 against 0.95 in 2024; short-term debt: 22.9% and cash: 24.2% of total assets), and 25.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
74.2%
Return on assets
4%
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 31-08-2026, 31 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 · 5 filingsDeviation from the deadline
2025
31 d late
2024
52 d late
2023
113 d late
2022
148 d late
2021
153 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€24k▲ 35.8%
2024 · €18k
2021: €-2k
2022: €27k
2023: €14k
2024: €18k
2021 → 2025
Working capital
€29k
2024 · €-7k
2021: €-84k
2022: €-39k
2023: €-30k
2024: €-7k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€369k-€397k▲ 7.4%€411k▲ 3.6%€429k▲ 4.4%€453k▲ 5.7%
Operating result€-3k-€41k€21k▼ 47.6%€28k▲ 29.6%€37k▲ 34.6%
Net result€-2k-€27k€14k▼ 48.5%€18k▲ 26.7%€24k▲ 35.8%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 35% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €611k
Fixed assets
€442k▼ 2.8%
Current assets
€169k▲ 33.3%
Equity and liabilities €611k
Equity
€453k▲ 5.7%
Provisions
€17k▼ 7.5%
Debt
€140k▲ 4.8%
The debt ratio falls from 23.0% to 23.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€59k▲
2024 · €50k
Cash flow
€46k▲
2024 · €40k
Solvency
74.2%▲
2024 · 73.7%
Current ratio
1.21▲
2024 · 0.95
Quick ratio
1.21▲
2024 · 0.95
Debt / equity
0.31▼
2024 · 0.31
ROE
5.4%▲
2024 · 4.2%
ROA
4.0%▲
2024 · 3.1%
Interest coverage
1229.01▲
2024 · 503.02
Debt
€140k▲
2024 · €134k
Debt ≤ 1 year
€140k▲
2024 · €133k
Debt > 1 year
€640=
2024 · €640
Income taxes
€14k▲
2024 · €11k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€582k€611k▲
Fixed assets21/28€455k€442k▼
Tangible fixed assets22/27€455k€442k▼
Land and buildings22€455k€442k▼
Current assets29/58€127k€169k▲
Amounts receivable within one year40/41€18k€18k▼
Trade receivables40€242-
Other amounts receivable41€18k€18k=
Cash at bank and in hand54/58€108k€148k▲
Deferred charges and accrued income490/1€28€3k▲
Equity and liabilities
Total equity and liabilities10/49€582k€611k▲
Equity10/15€429k€453k▲
Contributions10/11€289k€289k=
Reserves13€132k€156k▲
Tax-exempt reserves132€56k€52k▼
Distributable reserves133€75k€104k▲
Profit (loss) carried forward14€8k€8k=
Provisions and deferred taxes16€19k€17k▼
Deferred taxes168€19k€17k▼
Amounts payable17/49€134k€140k▲
Amounts payable after more than one year17€640€640=
Other amounts payable178/9€640€640=
Amounts payable within one year42/48€133k€140k▲
Trade debts44-€716
Suppliers440/4-€716
Taxes, remuneration and social security45€20k€25k▲
Taxes450/3€20k€25k▲
Other amounts payable47/48€114k€114k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€22k▼
Other operating charges640/8€7k€7k▲
Gross operating margin9900€57k€66k▲
Operating profit (loss)9901€28k€37k▲
Financial charges65/66B€100€48▼
Recurring financial charges65€100€48▼
Profit (loss) for the period before taxes9903€28k€37k▲
Transfer from deferred taxes780€1k€1k=
Income taxes67/77€11k€14k▲
Profit (loss) for the period9904€18k€24k▲
Transfer from tax-exempt reserves789€4k€4k=
Profit (loss) for the period to be appropriated9905€22k€29k▲
Appropriation of the result
Profit (loss) to be appropriated9906€31k€37k▲
Profit (loss) brought forward from the previous period14P€8k€8k=
Transfer to equity691/2€22k€29k▲
To other reserves6921€22k€29k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
21-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 52 days late
2024
21-11
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 113 days late
2023
26-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 148 days late
2022
31-12
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
31-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 153 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Rebecq · 1 establishment unit since 2021
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Chemin Longues Aulnes 41430 RebecqGround area
5,924 m²
Building footprint
173 m²
Volume, LiDAR
872 m³
Parcel 25090E0037/00C000, Wallonia · tallest building 6.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PHILUNI
since 20212.316.362.077
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25090E0037/00C000 | Wallonia | 5,924 m² | 1 · 173 m² | 6.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-01-2021
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:bertaux.philippe@bertauxfreres.be