Equity
€47,470 from €195,150 in 2024
Equity fell by 76% in 1 year.
PHIROM
Lifetime
4 annual accounts with figures on one time axispeak €102,278 (2023)
€77,999▼ 18.8%
peak €70,568 (2023)
€45,320▼ 34.9%
peak €195,150 (2024)
€47,470▼ 75.7%
€274,755▲ 235%
Board1 name since 2021
1 directorROMBAUT Philippe Chantal Maurice
Documentsfilings and deeds
20-03-2026133 days before the deadline
2025micro format
Gross margin from €96,111 to €77,999Result from €69,589 to €45,320Dividend €193,000Equity from €195,150 to €47,470Debts from €81,908 to €274,755Cash from €65,048 to €29,442
Key points
from the 2025 annual accountsTurnover
≈ €180,000 estimated
The micro format states no turnover.
Debts
€274,755 85% of the balance sheet
Financial debts 0%Suppliers 1%Taxes and wages 10%Other 90%
Of this, €270,090 falls due within a year.
Liquidity
1.00 was 2.84 in 2024
Short-term debts rose from €76,365 to €270,090.
Filings
4 annual accounts 1 late
The 2022 accounts came 22 days late. The other three were filed on time.
Position in the sector
14.7%
Lower solvency than 82% of companies in computer programming and consultancy. Sector median 60.0% · 21,208 companies.
Checked score
87
Excellent
Financially stronger than 21% of micro companies in computer programming and consultancy (NACE 62)
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 25,932 companies (NACE 62, micro).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024lowest value
02-2025: < 0.1%● unchanged vs 01-2025lowest value
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged 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: 0.2%▲ +0.2 percentage points vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026highest value
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.1%▼ -0.1 percentage points vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
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 strengthWeak
Score breakdown
raises risk
Equity €47,470 (14.7% of total assets)
Founded in 2021
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Size: total assets €322,225
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 19% of them on solvency, 6% on liquidity, 49% on profitability and 9% on growth.
The bankruptcy probability was computed on 09-11-2026 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, 6,713 companies had the same profile as PHIROM has now. Each dot stands for 17 companies, two years later.
95.8%
were still trading
2.2%
stopped another way
1.8%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of PHIROM itself is lower: 0.1% within 12 months. It rests on far more data about PHIROM 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 6,713 companies, not a prediction for PHIROM. 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 €4,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.0 (2.84 in 2024), below the usual 1.5. Short-term debt is 83.8% and cash 9.1% of total assets. 85.3% 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 · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 21208 sector peers (2025).
NBB · sector comparisonPosition among 21208 sector peers
Solvency
better than 17%
← weakest
strongest →
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 20-03-2026, 133 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
133 days early
2024
104 days early
2023
50 days early
2022
22 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 66 days before 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 16 May (3 of the last 4 accounts filed within 57 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0765654256
First establishment
Rozebroekstraat 75, Ghent
Incorporation
Founding capital of €2,000, 200 shares · Founder: ROMBAUT Philippe Chantal Maurice · Appointment: ROMBAUT Philippe Chantal Maurice (director) · published on 29-03-2021 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| PHIROM Ghent | €322,225 | €77,999 | 14.7% | - |
| GISWHAT Berlare | €301,609 | €79,040 | 37.5% | - |
| De Neve ICT Ninove | €294,571 | €64,507 | 68.0% | - |
| VAN ISTERDAEL CONSULTING Ghent | €341,815 | €64,714 | 52.9% | - |
| Glados Computer Science Laboratories Ghent | €329,402 | €62,898 | 70.0% | - |
| LE SIDECAR WEB Woluwe-Saint-Lambert | €319,817 | €71,134 | 8.5% | - |
| Consutech Wemmel | €334,522 | €90,045 | 93.5% | - |
These companies have the same main activity as PHIROM: computer programming (NACE 62100). They are comparable in size and age: total assets between €295,000 and €342,000, founded between 2020 and 2021.
Official details
Source: KBO- Status
- Active since 25-03-2021Normal situation
- Activity
- Computer programmingNACE 62100and 5 others
- Establishment unit
- 2.315.083.2619040 Ghent, since 29-03-2021
- Financial year end
- 31 December
- Peppol
- Reachable since 01-10-2025
Annual accounts 2025
- €322,225▲ 16.3%
- Filing
- Filed on 20-03-2026, 133 days before the end of the filing period
Insights on PHIROM
PHIROM files the micro format. That format states no turnover. The gross margin fell from €80,497 in 2022 to €77,999 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 PHIROM
- What is the company number of PHIROM?
- The company number of PHIROM is 0765.654.256. The VAT number is the same number with BE in front: BE 0765.654.256.
- Where is PHIROM based?
- The registered office is at Rozebroekstraat 75, 9040 Ghent.Company details
- What does PHIROM do?
- According to the KBO register, the main activity is computer programming (NACE 62100).
- What is the legal form of PHIROM?
- PHIROM is a private limited company (BV).
- When was PHIROM founded?
- PHIROM was founded on 25-03-2021.
- Is PHIROM still active?
- Yes, PHIROM is an active enterprise in the KBO register.
- What is the turnover of PHIROM?
- The turnover in financial year 2025 is ≈ €180,000. This figure is estimated from the gross margin of €77,999 and 41 comparable companies (NACE 62100). It probably lies between €150,000 and €230,000.Financials
- Is PHIROM profitable?
- In financial year 2025, PHIROM made a profit of €45,320.
- Where can I find the annual accounts of PHIROM?
- PHIROM filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of PHIROM due?
- PHIROM must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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