Debts
€81,655 96% of the balance sheet
Financial debts 4%Suppliers 2%Taxes and wages 2%Other 92%
Of this, €78,755 falls due within a year.
PHIOMICRON
Lifetime
20 annual accounts with figures on one time axis, 25 filings since 2001peak €59,002 (2016)
€40,322▲ 14.2%
lowest -€27,647 (2025)
-€27,647▼ €45,272
peak €31,082 (2016)
€3,190▼ 89.7%
€81,655▲ 53.9%
Board1 name since 2004
1 directorBLOCH Gilles
Documentsfilings and deeds
20-08-202620 days late
2025micro format
Gross margin from €35,296 to €40,322Loss of €27,647Equity from €30,837 to €3,190Debts from €53,043 to €81,655Cash from €25,706 to €48,373
Key points
from the 2025 annual accountsFilings
25 annual accounts since 2001
Ten of the last ten came late. The 2019 accounts came latest: 89 days after the end of the period.
Position in the sector
-€27,647
Lower net result than 95% of companies in computer programming and consultancy. Sector median €28,568 · 21,223 companies.
Checked score
53
Fair
Financially stronger than 14% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: 1.5% to 4.2%
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59.
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,933 companies (NACE 62, micro).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.5%
01-2025: 0.5%● unchanged vs 12-2024
02-2025: 0.5%● unchanged vs 01-2025
03-2025: 0.5%● unchanged vs 02-2025
04-2025: 0.5%● unchanged vs 03-2025
05-2025: 0.5%● unchanged vs 04-2025
06-2025: 0.5%● unchanged vs 05-2025
07-2025: 0.5%● unchanged vs 06-2025
08-2025: 0.6%▲ +0.1 percentage points vs 07-2025highest value
09-2025: 0.1%▼ -0.5 percentage points vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
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 05-2026lowest value
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.2%▲ +0.1 percentage points vs 07-2026
09-2026: 0.3%▲ +0.1 percentage points vs 08-2026
10-2026: 0.3%● unchanged vs 09-2026
11-2026: 0.3%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: a net loss of at least half of total assets or of the equity at the start of the financial year
Loss of €27,647 (financial year 2025)
lowers risk
Size: total assets €84,846
Sector: Computer programming, consultancy and related activities (NACE 62)
Liquidity: current ratio 0.82, cash €48,373
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 62, micro). It does better than 12% of them on solvency, 27% on liquidity, 12% on profitability and 6% 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, 540 companies had the same profile as PHIOMICRON has now. Each dot stands for 2 companies, two years later.
85.7%
were still trading
8.3%
stopped another way
5.2%
went bankrupt
Another 0.7% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of PHIOMICRON itself is lower: 0.3% within 12 months. It rests on far more data about PHIOMICRON than the profile alone.
Test of the method
The method was tested on the 497,448 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 540 companies, not a prediction for PHIOMICRON. 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
No publishable credit limit, so credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity is insufficient, with a current ratio of 0.82 (1.23 in 2024), below 1. Short-term debt is 92.8% and cash 57% of total assets. 96.2% 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 risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 21217 sector peers (2025).
NBB · sector comparisonPosition among 21217 sector peers
Solvency
better than 10%
← weakest
strongest →
raises risk · 2025 accounts filed 20 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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 · 10 filingsDeviation from the deadline
2025
20 days late
2024
30 days late
2023
31 days late
2022
32 days late
2021
31 days late
2020
31 days late
2019
89 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 38 days after the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% 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. The company usually files around 31 August (5 of the last 5 accounts filed within 30 days either side of that date).
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 0208:0472330711
Change of role: BLOCH Gilles, from manager to director
General meeting of 11-12-2023 · Gazette deed
Registered office moved within Enghien
New registered office: Rue du Général Leman, 14a 7850 Enghien · Previous registered office: Rue de la Fontaine, 19/26, 7850 Enghien · General meeting of 03-07-2017 · Gazette deed
First establishment
Generaal Lemanstraat 14a, Enghien
Comparable companies
same main activity, similar in size and ageThese companies have the same main activity as PHIOMICRON: computer programming (NACE 62100). They are comparable in size and age: total assets between €71,600 and €92,200, founded between 1998 and 2001.
Official details
Source: KBO- Status
- Active since 07-07-2000Normal situation
- Activity
- Computer programmingNACE 62100and 2 others
- Establishment unit
- 2.096.713.6937850 Enghien, since 11-09-2000
- Financial year end
- 31 December
- Peppol
- Reachable since 06-11-2025
Insights on PHIOMICRON
PHIOMICRON files the micro format. That format states no turnover. The gross margin rose from €11,928 in 2006 to €40,322 in 2025.
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 PHIOMICRON
- What is the company number of PHIOMICRON?
- The company number of PHIOMICRON is 0472.330.711. The VAT number is the same number with BE in front: BE 0472.330.711.
- Where is PHIOMICRON based?
- The registered office is at Generaal Lemanstraat 14A, 7850 Enghien.Company details
- What does PHIOMICRON do?
- According to the KBO register, the main activity is computer programming (NACE 62100).
- What is the legal form of PHIOMICRON?
- PHIOMICRON is a private limited company (BV).
- When was PHIOMICRON founded?
- PHIOMICRON was founded on 07-07-2000.
- Is PHIOMICRON still active?
- Yes, PHIOMICRON is an active enterprise in the KBO register.
- What is the turnover of PHIOMICRON?
- The turnover in financial year 2025 is ≈ €130,000. This figure is estimated from the gross margin of €40,322 and 84 comparable companies (NACE 62). It probably lies between €100,000 and €180,000.Financials
- Is PHIOMICRON profitable?
- In financial year 2025, PHIOMICRON made a loss of €27,647.
- Where can I find the annual accounts of PHIOMICRON?
- PHIOMICRON filed 25 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of PHIOMICRON due?
- PHIOMICRON must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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