PHOMADES
ActiveSummary
PHOMADES has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €109,994 and a net result of €19,500. Equity is growing by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 62% of 4695 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability78▲+4
Solvency68=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7,000 at 30 days acceptable
Liquidity short (current ratio 0.79 against 0.67 in 2024; short-term debt: 57.4% and cash: 24.3% of total assets), and 57.4% 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
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
42.6%
Return on assets
7.6%
Age of the figures
9 mo
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 23-07-2026, 8 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
8 d early
2024
5 d late
2023
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 9 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 48% 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, micro schema
Equity
€109,994▲ 9.0%
2024 · €100,944
Total assets
€258,235▲ 10.5%
2024 · €233,639
Net result
€19,500▲ 98.5%
2024 · €9,823
Working capital
-€31,813▲ 26.5%
2024 · -€43,298
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
Line202320242025
Operating result€21,754-€23,346▲ 7.3%€35,137▲ 50.5%
Net result€10,132-€9,823▼ 3.1%€19,500▲ 98.5%
Equity€100,673-€100,944▲ 0.3%€109,994▲ 9.0%
Total assets€255,030-€233,639▼ 8.4%€258,235▲ 10.5%
Debt€154,357-€132,695▼ 14.0%€148,241▲ 11.7%
Working capital-€48,612--€43,298▲ 10.9%-€31,813▲ 26.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 51% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €258,235
Fixed assets
€141,807 ▼ 2.7%
Current assets
€116,428 ▲ 32.5%
Equity and liabilities €258,235
Equity
€109,994 ▲ 9.0%
Debt
€148,241 ▲ 11.7%
Debt's share of the balance-sheet total rises from 56.8% to 57.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€45,307▲
2024 · €39,351
Cash flow
€29,670▲
2024 · €25,828
Current ratio
0.79▲
2024 · 0.67
Quick ratio
0.77▲
2024 · 0.65
Debt to equity
1.35▲
2024 · 1.31
ROE
17.7%▲
2024 · 9.7%
ROA
7.6%▲
2024 · 4.2%
Interest coverage
11.31▲
2024 · 8.72
Debt ≤ 1 year
€148,241▲
2024 · €131,156
Income taxes
€11,849▲
2024 · €8,955
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,324 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% 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%.
| 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 31,324 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
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8,384 | €16,005 | €10,170 | ▼ 36.5% |
| Other operating charges640/8 | €5,542 | €1,569 | €2,608 | ▲ 66.2% |
| Non-recurring operating charges66A | - | - | €11 | - |
| Gross operating margin9900 | €35,680 | €40,919 | €47,927 | ▲ 17.1% |
| Operating profit (loss)9901 | €21,754 | €23,346 | €35,137 | ▲ 50.5% |
| Financial income75/76B | - | €136 | €216 | ▲ 59.3% |
| Recurring financial income75 | - | €136 | €216 | ▲ 59.3% |
| Financial charges65/66B | €4,462 | €4,704 | €4,005 | ▼ 14.9% |
| Recurring financial charges65 | €4,462 | €4,515 | €4,005 | ▼ 11.3% |
| Non-recurring financial charges66B | - | €189 | - | - |
| Profit (loss) for the period before taxes9903 | €17,293 | €18,777 | €31,349 | ▲ 66.9% |
| Income taxes67/77 | €7,161 | €8,955 | €11,849 | ▲ 32.3% |
| Profit (loss) for the period9904 | €10,132 | €9,823 | €19,500 | ▲ 98.5% |
| Profit (loss) for the period to be appropriated9905 | €10,132 | €9,823 | €19,500 | ▲ 98.5% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €255,030 | €233,639 | €258,235 | ▲ 10.5% |
| Fixed assets21/28 | €156,790 | €145,781 | €141,807 | ▼ 2.7% |
| Tangible fixed assets22/27 | €156,790 | €145,781 | €141,807 | ▼ 2.7% |
| Land and buildings22 | €128,800 | €123,100 | €117,400 | ▼ 4.6% |
| Plant, machinery and equipment23 | €231 | €132 | €412 | ▲ 212% |
| Furniture and vehicles24 | €27,759 | €22,549 | €23,995 | ▲ 6.4% |
| Current assets29/58 | €98,240 | €87,858 | €116,428 | ▲ 32.5% |
| Stocks and contracts in progress3 | €2,866 | €2,352 | €2,503 | ▲ 6.4% |
| Stocks30/36 | €2,866 | €2,352 | €2,503 | ▲ 6.4% |
| Amounts receivable within one year40/41 | €11,233 | €44,967 | €49,465 | ▲ 10.0% |
| Trade receivables40 | €8,703 | €38,206 | €49,069 | ▲ 28.4% |
| Other amounts receivable41 | €2,530 | €6,761 | €396 | ▼ 94.1% |
| Cash at bank and in hand54/58 | €83,623 | €39,911 | €62,742 | ▲ 57.2% |
| Deferred charges and accrued income490/1 | €518 | €629 | €1,718 | ▲ 173% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €255,030 | €233,639 | €258,235 | ▲ 10.5% |
| Equity10/15 | €100,673 | €100,944 | €109,994 | ▲ 9.0% |
| Contributions10/11 | €992 | €1,239 | €1,239 | = |
| Reserves13 | €92,124 | €92,124 | €101,124 | ▲ 9.8% |
| Non-distributable reserves130/1 | €124 | €124 | €124 | = |
| Reserves not available under the articles1311 | €124 | €124 | €124 | = |
| Distributable reserves133 | €92,000 | €92,000 | €101,000 | ▲ 9.8% |
| Profit (loss) carried forward14 | €7,558 | €7,580 | €7,630 | ▲ 0.7% |
| Amounts payable17/49 | €154,357 | €132,695 | €148,241 | ▲ 11.7% |
| Amounts payable after more than one year17 | €7,505 | €1,539 | - | - |
| Financial debts170/4 | €7,505 | €1,539 | - | - |
| Amounts payable within one year42/48 | €146,852 | €131,156 | €148,241 | ▲ 13.0% |
| Current portion of amounts payable after more than one year42 | €5,672 | €5,966 | €1,539 | ▼ 74.2% |
| Trade debts44 | €2,504 | €4,169 | €20,966 | ▲ 403% |
| Suppliers440/4 | €2,504 | €4,169 | €20,966 | ▲ 403% |
| Taxes, remuneration and social security45 | €49,779 | €31,903 | €36,592 | ▲ 14.7% |
| Taxes450/3 | €49,779 | €31,903 | €36,592 | ▲ 14.7% |
| Other amounts payable47/48 | €88,897 | €89,118 | €89,144 | = |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €10,132 | €9,823 | €19,500 | ▲ 98.5% |
| + Depreciation and write-downs630 | €8,384 | €16,005 | €10,170 | ▼ 36.5% |
| Operating cash flow (approximation) | €18,516 | €25,828 | €29,670 | ▲ 14.9% |
| Investment in fixed assets (approximation) | - | -€4,996 | -€6,197 | ▼ 24.0% |
| Change in cash | - | -€43,712 | €22,831 | ▲ 152% |
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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €19,500 ▲98.5%
Operating result €35,137, net result €19,500, both a record.
05-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 5 days late
2024
31-12
Financial
Weakest financial yearnet €9,823 ▼3.1%
Net result drops to €9,823, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
Financial milestoneNBB 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, Honnelles · 3 establishment units since 2001
Ground area
3,591 m²
Building footprint
303 m²
Volume, LiDAR
1,946 m³
4 parcels, Wallonia · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
3 establishment units
PHOMADES
since 20012.094.283.349
La fée Folette
since 20082.274.476.091
Le passé recomposé
since 20112.201.293.452
4 parcels
Wallonia
4
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53001A0441/00B000 | Wallonia | 1,446 m² | 1 · 128 m² | 8.2 m · 2 fl. |
| 53001A0442/00B000 | Wallonia | 1,437 m² | 1 · 142 m² | 8.1 m · 2 fl. |
| 53033A0199/00H000 | Wallonia | 674 m² | - | - |
| 53053H0037/00A000 | Wallonia | 34 m² | 1 · 34 m² | 11.7 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
4 of 4 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,865 companies in sector 96220 we hold annual accounts for 1,441. 994 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
Founded31-01-2001
Fiscal year end31-12
Activities, NACEBEL 2025
96220Beauty care and other beauty treatments
47110Non-specialised retail sale with food, beverages or tobacco predominating
47761Retail sale of flowers, plants, seeds and fertilisers
86940Nursing and midwifery
E-invoicing
Reachable via Peppol
Peppol ID
0208:0473970110
Registered
10-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.