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PHISIMMO

Active
Private limited companyfounded 20233 yrs activeRoute de la Gileppe 184, 4845 Jalhay, BelgiumKBO/BCE: BE 0795.922.117
Summary

PHISIMMO has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €41,882 and a net result of €2,267. Its solvency ranks better than 95% of 19362 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).

Checked score

Score 2024
Axes · tick = 2023
Profitability51▼-10
Solvency100=
Growth52
Track record94
Bankruptcy probability, 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,000 at 30 days acceptable
Liquidity ample (current ratio 16.11 against 6.28 in 2023; short-term debt: 1.7% and cash: 26.6% of total assets), and 1.7% 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 3 years 0 10 y
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
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 2024
Solvency, return and age of the figures
Solvency
98.3%
Return on assets
5.3%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-07-2025, 6 days ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2025
not confirmed
2024
6 d early
2023
2 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 4 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

PHISIMMO was incorporated on 9 January 2023 as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2024

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Financials · fiscal year 2024, micro schema

Equity
€41,882▲ 5.7%
2023 · €39,615
Total assets
€42,610▲ 3.6%
2023 · €41,149
Net result
€2,267▼ 40.2%
2023 · €3,790
Working capital
€10,995▲ 64.9%
2023 · €6,668
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20232024
Operating result€5,054-€2,994▼ 40.7%
Net result€3,790-€2,267▼ 40.2%
Equity€39,615-€41,882▲ 5.7%
Total assets€41,149-€42,610▲ 3.6%
Debt€1,533-€727▼ 52.6%
Working capital€6,668-€10,995▲ 64.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€2,000€4,000€6,000Operating result 2023: €5,054€5,054Net result 2023: €3,790€3,790Operating result 2024: €2,994€2,994Net result 2024: €2,267€2,26720232024€0€2,000€4,000€6,000Operating result 2023: €5,054€5,050Net result 2023: €3,790€3,790Operating result 2024: €2,994€2,990Net result 2024: €2,267€2,27020232024
The operating result falls in 2024; 2024 is 41% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €42,610
Fixed assets €30,888 ▼ 7.0%
Current assets €11,722 ▲ 47.8%
Equity and liabilities €42,610
Equity €41,882 ▲ 5.7%
Debt €727 ▼ 52.6%
Debt's share of the balance-sheet total falls from 3.7% to 1.7%. Equity is higher and debt is lower.
Key figures and ratios
2024 value · change against 2023
EBITDA
€7,543▼
2023 · €8,861
Cash flow
€6,816▼
2023 · €7,598
Current ratio
16.11▲
2023 · 6.28
Debt to equity
0.02▼
2023 · 0.04
ROE
5.4%▼
2023 · 9.6%
ROA
5.3%▼
2023 · 9.2%
Debt ≤ 1 year
€727▼
2023 · €1,263
Income taxes
€727▼
2023 · €1,263
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 39,275 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.6% went bankrupt
2.2% stopped otherwise
96% still going

A further 0.4% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.0% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

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 39,275 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
Filed annual accounts As filed with the NBB · 2024 against 2023 · 32 lines
Balance sheet Code20232024
Assets
Total assets20/58€41,149€42,610▲
Fixed assets21/28€33,218€30,888▼
Tangible fixed assets22/27€33,218€30,888▼
Land and buildings22€30,224€26,874▼
Plant, machinery and equipment23€1,870€1,405▼
Furniture and vehicles24€1,124€2,609▲
Current assets29/58€7,931€11,722▲
Cash at bank and in hand54/58€7,213€11,344▲
Deferred charges and accrued income490/1€718€378▼
Equity and liabilities
Total equity and liabilities10/49€41,149€42,610▲
Equity10/15€39,615€41,882▲
Contributions10/11€9,486€9,486=
Reserves13€949€949=
Distributable reserves133€949€949=
Profit (loss) carried forward14€29,180€31,447▲
Amounts payable17/49€1,533€727▼
Amounts payable within one year42/48€1,263€727▼
Taxes, remuneration and social security45€1,263€727▼
Taxes450/3€1,263€727▼
Accrued charges and deferred income492/3€270-
Income statement Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3,807€4,549▲
Other operating charges640/8€128€2,214▲
Gross operating margin9900€8,988€9,758▲
Operating profit (loss)9901€5,054€2,994▼
Financial income75/76B€0-
Recurring financial income75€0-
Profit (loss) for the period before taxes9903€5,054€2,994▼
Income taxes67/77€1,263€727▼
Profit (loss) for the period9904€3,790€2,267▼
Profit (loss) for the period to be appropriated9905€3,790€2,267▼
Appropriation of the result
Profit (loss) to be appropriated9906€29,180€31,447▲
Profit (loss) brought forward from the previous period14P€25,390€29,180▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20232024Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3,807€4,549▲ 19.5%
Other operating charges640/8€128€2,214▲ 1,637%
Gross operating margin9900€8,988€9,758▲ 8.6%
Operating profit (loss)9901€5,054€2,994▼ 40.7%
Financial income75/76B€0--
Recurring financial income75€0--
Profit (loss) for the period before taxes9903€5,054€2,994▼ 40.7%
Income taxes67/77€1,263€727▼ 42.4%
Profit (loss) for the period9904€3,790€2,267▼ 40.2%
Profit (loss) for the period to be appropriated9905€3,790€2,267▼ 40.2%
Line20232024Change
Assets
Total assets20/58€41,149€42,610▲ 3.6%
Fixed assets21/28€33,218€30,888▼ 7.0%
Tangible fixed assets22/27€33,218€30,888▼ 7.0%
Land and buildings22€30,224€26,874▼ 11.1%
Plant, machinery and equipment23€1,870€1,405▼ 24.9%
Furniture and vehicles24€1,124€2,609▲ 132%
Current assets29/58€7,931€11,722▲ 47.8%
Cash at bank and in hand54/58€7,213€11,344▲ 57.3%
Deferred charges and accrued income490/1€718€378▼ 47.4%
Equity and liabilities
Total equity and liabilities10/49€41,149€42,610▲ 3.6%
Equity10/15€39,615€41,882▲ 5.7%
Contributions10/11€9,486€9,486=
Reserves13€949€949=
Distributable reserves133€949€949=
Profit (loss) carried forward14€29,180€31,447▲ 7.8%
Amounts payable17/49€1,533€727▼ 52.6%
Amounts payable within one year42/48€1,263€727▼ 42.4%
Taxes, remuneration and social security45€1,263€727▼ 42.4%
Taxes450/3€1,263€727▼ 42.4%
Accrued charges and deferred income492/3€270--
Line20232024Change
Profit (loss) for the period9904€3,790€2,267▼ 40.2%
+ Depreciation and write-downs630€3,807€4,549▲ 19.5%
Operating cash flow (approximation)€7,598€6,816▼ 10.3%
Investment in fixed assets (approximation)--€2,219-
Change in cash-€4,131-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
25-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial Liquidity triplescurrent ratio 16.11
Current ratio from 6.28 to 16.11; short-term debt falls from €1,263 to €727.
29-07
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
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, Jalhay · 1 establishment unit since 2023
seat establishment The establishment unit on the map
Ground area
154 m²
Building footprint
128 m²
Volume, LiDAR
566 m³
Parcel 63038A1119/00E002, Wallonia · tallest building 6.2 m, ±2 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
PHISIMMO
Route de la Gileppe 184, 4845 JalhayRenting and operating of own or leased non-residential real estate, excluding land
since 20232.341.804.484
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
63038A1119/00E002 Wallonia 154 m² 1 · 128 m² 6.2 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

Of 12,042 companies in sector 68203 we hold annual accounts for 5,995. 2,895 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
Founded09-01-2023
Fiscal year end31-12
Activities, NACEBEL 2025
68203Renting and operating of own or leased non-residential real estate, excluding land
E-invoicing
Reachable via Peppol
Peppol ID 0208:0795922117
Also 9925:BE0795922117
Registered 27-02-2026

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.