PHOENIX BEHEER

Active

Public limited companyfounded 2001active for 25 yearsGrensstraat 25, 2910 Essen, BelgiumKBO/BCE: BE 0475.356.220

Summary

PHOENIX BEHEER has been active since 2001 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €296,661 and a net result of -€8,327. Equity is growing by about 10% per year across the filed financial years. The computed 12-month bankruptcy probability is below 0.1% (very low).

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PHOENIX BEHEERActiveChecked score 95/100

Risk analysis Report Compare

Activity

Activity not known1 site

Size

€297,698total assets 2025

Equity: €296,661
Loss: -€8,327

Turnover not published (abbreviated or micro format)

Financial health

95 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: < 0.1%

Structure

Accounts filed 29 days late0 of 5 deeds read

Why 95raises riskLoss of €8,327 (financial year 2025)lowers riskSize: total assets €297,698Liquidity: current ratio 238.18, cash €241,927Equity €296,661 (99.7% of total assets)Show the evidence

Checked score

Score 2025

95 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 64% of its sector peers (no NACE code, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Strong

Solvency 100=

equity 99.7% of total assets

Liquidity 100=

short-term debt 0.3% · cash 81.3%

Profitability 65-13

return on assets -2.8%

Bankruptcy probability, 12 months

< 0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: 0.1% 12-2024: 0.1%● unchanged vs 11-2024 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 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: 0.2%▲ +0.1 percentage points vs 06-2025 08-2025: 0.3%▲ +0.1 percentage points vs 07-2025highest value 09-2025: < 0.1%▼ -0.3 percentage points vs 08-2025lowest value 10-2025: < 0.1%● unchanged vs 09-2025lowest value 11-2025: < 0.1%● unchanged vs 10-2025lowest value 12-2025: < 0.1%● unchanged vs 11-2025lowest value 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 05-2026 07-2026: < 0.1%● unchanged 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

Credit of up to €25,000 on 30-day terms is acceptable

short-term debt: 0.3% and cash: 81.3% of total assets, and 0.3% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 (no NACE code, micro): better than 81% on solvency, 95% on liquidity, 43% on profitability and 36% on growth.

The bankruptcy probability was computed on 12-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.

lowers riskraises riskneutral

Size: total assets €297,698

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Liquidity: current ratio 238.18, cash €241,927

NBB · annual accounts

Equity €296,661 (99.7% of total assets)

NBB · annual accounts

Loss of €8,327 (financial year 2025)

NBB · annual accounts

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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 filings

Deviation from the deadline

2025

29 days late

2024

22 days late

2023

50 days early

2022

46 days early

2021

52 days early

2020

64 days early

2019

49 days early

← before the deadline after the deadline →

tick = median of all Belgian filings

This company filed its last 7 accounts on average 30 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Searched, nothing found (2)

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 15 June (4 of the last 5 filed years within 68 days of that day).

Companies Code · seven months

Where today falls in the filing period

13-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage