Phoenix Capital
ActiveThe annual accounts of Phoenix Capital for fiscal year 2025 show a net loss of 76% of total assets and of 71% of the equity at the start of that year. The 2025 annual accounts show equity of €14k and a net result of €-35k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 31% of 31662 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency56▼-29
Growth32=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days 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 short (current ratio 0.88 against 1.78 in 2024; short-term debt: 68.8% and cash: 9.6% of total assets), and 68.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
31.2%
Return on assets
-76.1%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 06-01-2026, 25 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
25 d early
2024
4 d late
2023
142 d early
2022
39 d early
2021
42 d early
2020
68 d early
2019
45 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€14k▼ 70.9%
2024 · €50k
2019: €177k
2020: €312k
2021: €21k
2022: €21k
2023: €333
2024: €50k
2019 → 2025
Total assets
€46k▼ 43.9%
2024 · €83k
2019: €194k
2020: €337k
2021: €189k
2022: €60k
2023: €154k
2024: €83k
2019 → 2025
Net result
€-35k
2024 · €49k
2019: €86k
2020: €136k
2021: €247k
2022: €20k
2023: €108k
2024: €49k
2019 → 2025
Working capital
€-4k
2024 · €25k
2019: €156k
2020: €303k
2021: €-5k
2022: €4k
2023: €4k
2024: €25k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€21k-€21k▲ 1.5%€333▼ 98.4%€50k▲ 14,790%€14k▼ 70.9%
Operating result€315k-€23k▼ 92.9%€142k▲ 529%€68k▼ 52.1%€-36k
Net result€247k-€20k▼ 91.8%€108k▲ 433%€49k▼ 54.5%€-35k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €36k after €68k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €46k
Fixed assets
€18k▼ 28.9%
Current assets
€28k▼ 50.6%
Equity and liabilities €46k
Equity
€14k▼ 70.9%
Debt
€32k▼ 3.1%
The debt ratio rises from 39.9% to 68.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-29k▼
2024 · €79k
Cash flow
€-28k▼
2024 · €61k
Solvency
31.2%▼
2024 · 60.1%
Current ratio
0.88▼
2024 · 1.78
Quick ratio
0.88▼
2024 · 1.78
Debt / equity
2.21▲
2024 · 0.66
ROE
-243.9%▼
2024 · 99.3%
ROA
-76.1%▼
2024 · 59.7%
Interest coverage
-240.03▼
2024 · 302.58
Debt
€32k▼
2024 · €33k
Debt ≤ 1 year
€32k▼
2024 · €32k
Income taxes
€-212▼
2024 · €18k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€83k€46k▼
Fixed assets21/28€25k€18k▼
Tangible fixed assets22/27€25k€18k▼
Furniture and vehicles24€8k€3k▼
Other tangible fixed assets26€17k€15k▼
Financial fixed assets28€241€241=
Current assets29/58€57k€28k▼
Amounts receivable within one year40/41€18k€19k▲
Trade receivables40€10k€11k▲
Other amounts receivable41€8k€8k▲
Cash at bank and in hand54/58€35k€4k▼
Deferred charges and accrued income490/1€3k€5k▲
Equity and liabilities
Total equity and liabilities10/49€83k€46k▼
Equity10/15€50k€14k▼
Contributions10/11€100€100=
Profit (loss) carried forward14€50k€14k▼
Amounts payable17/49€33k€32k▼
Amounts payable within one year42/48€32k€32k▼
Trade debts44€29k€31k▲
Suppliers440/4€29k€31k▲
Taxes, remuneration and social security45€3k€891▼
Taxes450/3€3k€891▼
Accrued charges and deferred income492/3€916-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€7k▼
Other operating charges640/8€852€4k▲
Gross operating margin9900€80k€-25k▼
Operating profit (loss)9901€68k€-36k▼
Financial income75/76B€156€1k▲
Recurring financial income75€156€1k▲
Financial charges65/66B€262€121▼
Recurring financial charges65€262€121▼
Profit (loss) for the period before taxes9903€68k€-35k▼
Income taxes67/77€18k€-212▼
Profit (loss) for the period9904€49k€-35k▼
Profit (loss) for the period to be appropriated9905€49k€-35k▼
Appropriation of the result
Profit (loss) to be appropriated9906€50k€14k▼
Profit (loss) brought forward from the previous period14P€233€50k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
06-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €-35k ▼171%
Net result drops to €-35k, the lowest in the series.
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2023
11-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
23-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
20-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Highest result since 2019net €247k ▲81.8%
Operating result €315k, net result €247k, both a record.
2020
24-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Equity above €200kEq €312k ▲76.9%
2 profitable years in a row build equity to €312k.
2019
17-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
19-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Waterloo · 1 establishment unit since 2017
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.
Rue Hugo (Victor) 971410 Waterloo1 establishment unit
Phoenix Capital
since 20172.264.982.959
Recognitions · licences · registrations
Legal Entity Identifier
967600LBYQ66TUEBH929
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BELGOMATH
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 27,062 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-06-2017
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filings
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.