Summary
PHMBIO+ is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €20,460 and a net result of €59,137. Equity is growing by ~7.4% per year across the filed fiscal years. Its solvency ranks better than 8% of 493 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 493 sector peers (2025).
NBB · sector comparisonPosition among 493 sector peers
Solvency
better than 8%
← 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 08-05-2026, 84 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
84 d early
2024
19 d late
2023
13 d late
2022
18 d late
2021
5 d late
2020
18 d late
2019
28 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 2 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
Equity
€20,460▼ 96.6%
2024 · €594,655
Net result
€59,137▼ 50.3%
2024 · €119,013
Total assets
€660,767▼ 11.6%
2024 · €747,393
Solvency
3.1%▼ 76.5pp
2024 · 79.6%
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
Line20212022202320242025
Operating result€420,235▲ 63.9%€227,161▼ 45.9%€194,427▼ 14.4%€184,192▼ 5.3%€81,378▼ 55.8%
Net result€264,901▲ 58.5%€158,084▼ 40.3%€154,698▼ 2.1%€119,013▼ 23.1%€59,137▼ 50.3%
Equity€723,955▲ 57.0%€594,655▼ 17.9%€594,655=€594,655=€20,460▼ 96.6%
Total assets€808,274▲ 35.2%€960,270▲ 18.8%€785,118▼ 18.2%€747,393▼ 4.8%€660,767▼ 11.6%
Debt€84,319▼ 38.4%€365,615▲ 334%€190,463▼ 47.9%€152,737▼ 19.8%€640,307▲ 319%
Working capital€672,744▲ 64.4%€550,915▼ 18.1%€581,619▲ 5.6%€571,243▼ 1.8%€2,469▼ 99.6%
Solvency89.6%▲ 12.5pp61.9%▼ 27.6pp75.7%▲ 13.8pp79.6%▲ 3.8pp3.1%▼ 76.5pp
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 56% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €660,767
Fixed assets
€17,991 ▼ 23.2%
Current assets
€642,776 ▼ 11.2%
Equity and liabilities €660,767
Equity
€20,460 ▼ 96.6%
Debt
€640,307 ▲ 319%
Debt's share of the balance-sheet total rises from 20.4% to 96.9%. Equity is lower and debt is higher.
Key figures and ratios
ROE
289.0%▲
2024 · 20.0%
ROA
8.9%▼
2024 · 15.9%
Debt ≤ 1 year
€640,307▲
2024 · €152,737
Income taxes
€18,801▼
2024 · €60,087
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €22,582 | €19,101 | €3,442 | €8,113 | €9,098 | ▲ 12.1% |
| Other operating charges640/8 | €2,099 | €17,073 | €5,769 | €820 | €696 | ▼ 15.1% |
| Gross operating margin9900 | €444,916 | €263,336 | €203,639 | €193,124 | €91,172 | ▼ 52.8% |
| Operating profit (loss)9901 | €420,235 | €227,161 | €194,427 | €184,192 | €81,378 | ▼ 55.8% |
| Financial income75/76B | - | - | - | - | €5 | - |
| Recurring financial income75 | - | - | - | - | €5 | - |
| Financial charges65/66B | €2,237 | €2,456 | €5,320 | €5,091 | €3,445 | ▼ 32.3% |
| Recurring financial charges65 | €2,237 | €2,456 | €5,320 | €5,091 | €3,445 | ▼ 32.3% |
| Profit (loss) for the period before taxes9903 | €417,998 | €224,705 | €189,107 | €179,101 | €77,938 | ▼ 56.5% |
| Income taxes67/77 | €153,097 | €66,621 | €34,409 | €60,087 | €18,801 | ▼ 68.7% |
| Profit (loss) for the period9904 | €264,901 | €158,084 | €154,698 | €119,013 | €59,137 | ▼ 50.3% |
| Transfer from tax-exempt reserves789 | €52,700 | €89,000 | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €317,601 | €247,084 | €154,698 | €119,013 | €59,137 | ▼ 50.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €808,274 | €960,270 | €785,118 | €747,393 | €660,767 | ▼ 11.6% |
| Fixed assets21/28 | €77,413 | €43,740 | €13,036 | €23,413 | €17,991 | ▼ 23.2% |
| Tangible fixed assets22/27 | €77,413 | €43,740 | €13,036 | €23,413 | €17,991 | ▼ 23.2% |
| Plant, machinery and equipment23 | €895 | €653 | €5,211 | €4,969 | €6,354 | ▲ 27.9% |
| Furniture and vehicles24 | €76,518 | €43,087 | €7,825 | €18,443 | €11,637 | ▼ 36.9% |
| Current assets29/58 | €730,862 | €916,530 | €772,082 | €723,980 | €642,776 | ▼ 11.2% |
| Amounts receivable within one year40/41 | €13,330 | €130,697 | €51,426 | €43,533 | €14,630 | ▼ 66.4% |
| Trade receivables40 | - | €102,415 | - | €1,180 | €9,075 | ▲ 669% |
| Other amounts receivable41 | €13,330 | €28,282 | €51,426 | €42,353 | €5,555 | ▼ 86.9% |
| Current investments50/53 | €312,000 | €564,000 | €564,000 | €564,000 | €564,000 | = |
| Cash at bank and in hand54/58 | €405,532 | €221,834 | €156,656 | €116,447 | €64,146 | ▼ 44.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €808,274 | €960,270 | €785,118 | €747,393 | €660,767 | ▼ 11.6% |
| Equity10/15 | €723,955 | €594,655 | €594,655 | €594,655 | €20,460 | ▼ 96.6% |
| Contributions10/11 | €6,200 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €717,755 | €576,055 | €576,055 | €576,055 | €1,860 | ▼ 99.7% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | - | - | - |
| Tax-exempt reserves132 | €663,195 | €574,195 | €574,195 | - | - | - |
| Distributable reserves133 | €52,700 | - | - | €576,055 | €1,860 | ▼ 99.7% |
| Amounts payable17/49 | €84,319 | €365,615 | €190,463 | €152,737 | €640,307 | ▲ 319% |
| Amounts payable after more than one year17 | €26,201 | - | - | - | - | - |
| Financial debts170/4 | €26,201 | - | - | - | - | - |
| Amounts payable within one year42/48 | €58,118 | €365,615 | €190,463 | €152,737 | €640,307 | ▲ 319% |
| Current portion of amounts payable after more than one year42 | €29,370 | €37,186 | €19,713 | €27,125 | €5,083 | ▼ 81.3% |
| Trade debts44 | €1,727 | €2,355 | €5,972 | €2,857 | €2,571 | ▼ 10.0% |
| Suppliers440/4 | €1,727 | €2,355 | €5,972 | €2,857 | €2,571 | ▼ 10.0% |
| Taxes, remuneration and social security45 | €26,290 | €71,258 | €33,284 | €21,594 | €45,939 | ▲ 113% |
| Taxes450/3 | €26,290 | €71,258 | €33,284 | €21,594 | €45,939 | ▲ 113% |
| Other amounts payable47/48 | €731 | €254,817 | €131,493 | €101,162 | €586,713 | ▲ 480% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €264,901 | €158,084 | €154,698 | €119,013 | €59,137 | ▼ 50.3% |
| + Depreciation and write-downs630 | €22,582 | €19,101 | €3,442 | €8,113 | €9,098 | ▲ 12.1% |
| Operating cash flow (approximation) | €287,483 | €177,186 | €158,140 | €127,126 | €68,235 | ▼ 46.3% |
| Investment in fixed assets (approximation) | - | €14,571 | €27,261 | -€18,489 | -€3,677 | ▲ 80.1% |
| Change in cash | - | -€183,699 | -€65,177 | -€40,209 | -€52,301 | ▼ 30.1% |
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
07-08
State Gazette act
General meeting · Director reappointment
Permanent representative · Board meeting
08-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 19 days late
2024
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 13 days late
2023
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 18 days late
2022
05-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 5 days late
2021
31-12
Financial
Highest result since 2018net €264,901 ▲58.5%
Operating result €420,235, net result €264,901, both a record.
31-12
Financial
Liquidity triplescurrent ratio 12.58
Current ratio from 4.69 to 12.58; short-term debt falls from €110,748 to €58,118.
31-12
Financial
Equity above €500,000Eq €723,955 ▲57%
4 profitable years in a row build equity to €723,955.
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 4.69
Current ratio from 2.33 to 4.69; short-term debt falls from €188,859 to €110,748.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
Show earlier events
2019
31-12
Financial
Equity above €200,000Eq €293,921 ▲145%
2 profitable years in a row build equity to €293,921.
16-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 16 days late
2018
19-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 19 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 22 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 acts for this company are 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, Grez-Doiceau · 1 establishment unit since 2015
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.
Allée Bois de Bercuit 1011390 Grez-Doiceau1 establishment unit
PHMBIO+
since 20152.242.612.878
Structure & network
Connections & network
2 connected companiesThe connected companies are in the list below.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, scroll to zoom.
Linked via shared directors
GlaxoSmithKline Biologicals
Shared director
→
NOVADIP BIOSCIENCES
Shared director
→
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
1 location
Recognitions · licences · registrations
Legal Entity Identifier
8755006EEQKZWDHQ5H22
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Of 1,507 companies in sector 66199 we hold annual accounts for 921. 421 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
Founded10-06-2015
Fiscal year end31-12
Activities, NACEBEL 2025
66199Other activities auxiliary to financial services, excluding insurance and pension funding
70200Business and other management consultancy
73300Public relations and communication consultancy
Contact
E-mail
philippe.monteyne@gmail.comGrez-Doiceau
Phone
0478/259204Grez-Doiceau
E-invoicing
Reachable via Peppol
Peppol ID
0208:0631922633
Also
9925:BE0631922633
Registered
02-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.