PHONALYSE
ActivePHONALYSE has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €182k and a net result of €4k. Equity is growing by ~9.3% per year across the filed fiscal years. Its solvency ranks better than 78% of 4360 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
81
/ 100
Excellent▼ -12 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability10▼-58
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 4.72 against 4.17 in 2023), and 22.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-03-2026, 239 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
239 d late
2023
203 d late
2022
150 d late
2021
148 d late
2020
151 d late
2019
151 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€182k▲ 2.1%
2023 · €178k
2018: €89k
2019: €130k
2020: €152k
2021: €139k
2022: €173k
2023: €178k
2018 → 2024
Total assets
€235k▲ 0.3%
2023 · €235k
2018: €199k
2019: €467k
2020: €337k
2021: €183k
2022: €264k
2023: €235k
2018 → 2024
Net result
€4k▼ 84.8%
2023 · €24k
2018: €59k
2019: €40k
2020: €23k
2021: €-13k
2022: €34k
2023: €24k
2018 → 2024
Working capital
€183k▲ 6.7%
2023 · €171k
2018: €63k
2019: €104k
2020: €144k
2021: €136k
2022: €199k
2023: €171k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€152k-€139k▼ 8.8%€173k▲ 24.1%€178k▲ 3.2%€182k▲ 2.1%
Operating result€58k-€6k▼ 89.3%€55k▲ 785%€51k▼ 8.0%€21k▼ 59.5%
Net result€23k-€-13k€34k€24k▼ 28.0%€4k▼ 84.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 59% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €235k
Fixed assets
€4k▼ 62.5%
Current assets
€232k▲ 2.9%
Equity and liabilities €235k
Equity
€182k▲ 2.1%
Debt
€53k▼ 5.4%
The debt ratio falls from 24.1% to 22.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€27k▼
2023 · €58k
Cash flow
€10k▼
2023 · €31k
Solvency
77.3%▲
2023 · 75.9%
Current ratio
4.72▲
2023 · 4.17
Quick ratio
4.72▲
2023 · 4.17
Debt / equity
0.29▼
2023 · 0.32
ROE
2.0%▼
2023 · 13.5%
ROA
1.6%▼
2023 · 10.3%
Interest coverage
2.30▼
2023 · 4.67
Debt
€53k▼
2023 · €56k
Debt ≤ 1 year
€49k▼
2023 · €54k
Income taxes
€8k▼
2023 · €16k
Staff costs
€30k▲
2023 · €23k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€235k€235k▲
Fixed assets21/28€9k€4k▼
Tangible fixed assets22/27€9k€3k▼
Furniture and vehicles24€9k€3k▼
Financial fixed assets28€156€156=
Current assets29/58€225k€232k▲
Amounts receivable within one year40/41€79k€93k▲
Trade receivables40€60k€33k▼
Other amounts receivable41€19k€60k▲
Current investments50/53€33€33=
Cash at bank and in hand54/58€146k€138k▼
Deferred charges and accrued income490/1€113-
Equity and liabilities
Total equity and liabilities10/49€235k€235k▲
Equity10/15€178k€182k▲
Contributions10/11€1€1=
Reserves13€26k€30k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€24k€28k▲
Profit (loss) carried forward14€152k€152k=
Amounts payable17/49€56k€53k▼
Amounts payable within one year42/48€54k€49k▼
Trade debts44€1k€11k▲
Suppliers440/4€1k€11k▲
Taxes, remuneration and social security45€19k€31k▲
Taxes450/3€18k€31k▲
Remuneration and social security454/9€979-
Other amounts payable47/48€33k€7k▼
Accrued charges and deferred income492/3€2k€4k▲
Income statement
Code20232024
Remuneration, social security and pensions62€23k€30k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€6k▼
Other operating charges640/8€850€877▲
Gross operating margin9900€82k€58k▼
Operating profit (loss)9901€51k€21k▼
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€12k€12k▼
Recurring financial charges65€12k€12k▼
Profit (loss) for the period before taxes9903€40k€11k▼
Income taxes67/77€16k€8k▼
Profit (loss) for the period9904€24k€4k▼
Profit (loss) for the period to be appropriated9905€24k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€176k€156k▼
Profit (loss) brought forward from the previous period14P€152k€152k=
Transfer to equity691/2€24k€4k▼
To other reserves6921€24k€4k▼
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
2026
27-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 239 days late
2025
19-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 203 days late
2023
28-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 150 days late
2022
31-12
Financial
Back to profitnet €34k
Net result €34k after one loss-making year.
31-12
Financial
Equity above €150kEq €173k ▲24.1%
Equity rises from €139k to €173k.
26-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 148 days late
2021
31-12
Financial
Weakest financial yearnet €-13k ▼160%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 6.06
Current ratio from 1.92 to 6.06; short-term debt falls from €156k to €27k.
29-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 151 days late
2020
31-12
Financial
Equity above €150kEq €152k ▲17.3%
3 profitable years in a row build equity to €152k.
29-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 151 days late
29-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 517 days late
2019
31-12
Financial
Equity above €100kEq €130k ▲45.2%
2 profitable years in a row build equity to €130k.
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 29 days late
2017
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 61 days late
2016
29-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 29 days late
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, Zaventem · 1 establishment unit since 2001
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.
Jozef Van Damstraat 9/E1932 ZaventemGround area
1.1 ha
Building footprint
2,430 m²
Volume, LiDAR
819 m³
Parcel 23078A0231/00L002, Flanders · tallest building 9.9 m. Linked by address, not a title deed.
1 establishment unit
Jozef Van Damstraat 9E5, 1932 Zaventem
since 20012.095.357.376
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23078A0231/00L002 | Flanders | 1.1 ha | 1 · 2,430 m² | 9.9 m |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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
IMPOLES
BE 0834.316.695
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A LED VISION
BE 0832.742.327
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VOLTRON
BE 0562.932.273
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Jeune Concept
BE 0722.615.554
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Dickson General Engineering
BE 0455.109.647
Vorst · Eq €198k
Of 266 companies in sector 46474 we hold annual accounts for 180. 135 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-10-2001
Fiscal year end31-12
Activities, NACEBEL
46474Wholesale trade
72220
74201Photography, excluding press photography
62010Computer programming, consultancy and related activities
62100Computer programming
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.