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Phone and more

Active
Private limited companyfounded 2018active for 7 yearsNoorderlaan 37, 2030 Antwerpen, BelgiumKBO/BCE: BE 0715.647.390
Summary

The computed 12-month bankruptcy probability of Phone and more is 2.8% (moderate). The 2024 annual accounts show equity of €132,313 and a net result of €43,768. Equity has been growing by about 62% per year since 2019. Its solvency ranks better than 14% of 9,537 sector peers (NACE 47, financial year 2024). The company has been active since 2018 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 10-12-2018 Normal situation
Activity
Other retail sale of new goods NACE 47789
Establishment unit
2.283.000.809 2030 Antwerpen, since 10-12-2018
Financial year end
31 December
Peppol
Reachable since 12-02-2026

Board and ownership

Board

Financial position

51 Fair Checked score 2024
Bankruptcy probabilitywithin 12 months
2.8%
Annual accounts 2024
Gross margin
€67,639
▼ 37.3%
Turnover
≈ €330,000
estimated
Profit
€43,768
▲ 69.8%
Equity
€132,313
▲ 49.4%
Total assets
€1.9m
▲ 2.4%
  • 2025 accounts not filed, 95 days past the deadline
Score breakdownraises riskFigures for financial year 2024 (filed on 30-08-2025)Equity €132,313 (6.8% of total assets)1 financial year not filed after the legal deadline; last filed accounts filed 30 days latelowers riskSize: total assets €1.9mShow the evidence

Checked score

Score 2024
51 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 36% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2023
Weak
Solvency 32+2
equity 6.8% of total assets
Liquidity 8-3
short-term debt 79.4% · cash 1.4%
Profitability 28-1
return on assets 2.3%
Bankruptcy probability within 12 months
2.8% Moderate
0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,272 companies, NACE 47, micro)
Last 24 months 12-2024: 0.6% 01-2025: 0.6%● unchanged vs 12-2024 02-2025: 0.6%● unchanged vs 01-2025 03-2025: 0.6%● unchanged vs 02-2025lowest value 04-2025: 0.6%● unchanged vs 03-2025 05-2025: 0.7%▲ +0.1 percentage points vs 04-2025 06-2025: 0.8%▲ +0.1 percentage points vs 05-2025 07-2025: 1.0%▲ +0.2 percentage points vs 06-2025 08-2025: 1.4%▲ +0.4 percentage points vs 07-2025 09-2025: 0.7%▼ -0.7 percentage points vs 08-2025 10-2025: 0.7%● unchanged vs 09-2025 11-2025: 0.7%● unchanged vs 10-2025 12-2025: 0.7%● unchanged vs 11-2025 01-2026: 0.7%● unchanged vs 12-2025 02-2026: 0.7%● unchanged vs 01-2026 03-2026: 0.7%● unchanged vs 02-2026 04-2026: 0.7%● unchanged vs 03-2026 05-2026: 0.8%▲ +0.1 percentage points vs 04-2026 06-2026: 0.9%▲ +0.1 percentage points vs 05-2026 07-2026: 1.0%▲ +0.1 percentage points vs 06-2026 08-2026: 1.4%▲ +0.4 percentage points vs 07-2026 09-2026: 1.5%▲ +0.1 percentage points vs 08-2026 10-2026: 2.8%▲ +1.3 percentage points vs 09-2026highest value 11-2026: 2.8%● unchanged vs 10-2026highest value
Credit of up to €6,000 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance
Liquidity is tight, with a current ratio of 1.2 (1.18 in 2023), below the usual 1.5. Short-term debt is 79.4% and cash 1.4% of total assets. 93.2% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 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 (NACE 47, micro). It does better than 24% of them on solvency, 10% on liquidity, 24% on profitability and 86% on growth.

The bankruptcy probability was computed on 02-11-2026 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. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Seven signals.
lowers riskraises riskneutral
raises risk · Figures for financial year 2024 (filed on 30-08-2025)
NBB · annual accounts
lowers risk · Size: total assets €1.9m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Equity €132,313 (6.8% of total assets)
NBB · annual accounts
raises risk · 1 financial year not filed after the legal deadline; last filed accounts filed 30 days late
NBB · filings
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 9537 sector peers (2024).
NBB · sector comparison
Position among 9537 sector peers
Solvency
better than 14%
← weakest strongest →
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 95 days later.
NBB · 6 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline03-11-2026 today
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-08-2025, 30 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 6 filings
Deviation from the deadline
2025
not filed
2024
30 days late
2023
40 days early
2022
43 days early
2021
44 days early
2020
44 days early
2019
37 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 30 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: Lower solvency than 85% of companies in retail tradesector median 38.3% · 9,537 companies 6.8% View
  • Positive: 5 profitable years in a rowprofit 2024: €43,768 5 years View

Recent changes

  1. · Gazette deed Change of role: Growar Pajmeet, from manager to director
  2. · Gazette deed Resignation: Jivan Growar (director)
  3. · Gazette deed Incorporation
All 13 events

Comparable companies

These companies have the same main activity as Phone and more: other retail sale of new goods (NACE 47789). They are comparable in size and age: total assets between €867,000 and €2m, founded between 2013 and 2019.

CompanyTotal assetsGross margin
Phone and more Antwerpen€1.9m€0.07m
Viitor Kalmthout€1.5m€0.04m
HANS SNEYERS Oud-Turnhout€1.7m€0.08m
BOLLIEBOOM Tienen€1.3m€0.1m
KC BATTERIES Moorslede€1.0m€0.1m
BREDE Torhout€2.0m€0.2m
HOME DESTOCK Herstal€0.9m€0.05m
Full comparison

Key facts about Phone and more

What is the company number of Phone and more?
The company number of Phone and more is 0715.647.390. The VAT number is the same number with BE in front: BE 0715.647.390.
Where is Phone and more based?
The registered office is at Noorderlaan 37, 2030 Antwerpen.Company details
What does Phone and more do?
According to the KBO register, the main activity is other retail sale of new goods (NACE 47789).
What is the legal form of Phone and more?
The legal form of Phone and more is Private limited company (BV).
When was Phone and more founded?
Phone and more was founded on 10-12-2018.
Is Phone and more still active?
Yes, Phone and more is an active enterprise in the KBO register.
What is the turnover of Phone and more?
The turnover in financial year 2024 is ≈ €330,000. This figure is estimated from the gross margin of €67,639 and 73 comparable companies (NACE 477). It probably lies between €160,000 and €480,000.Financials
Is Phone and more profitable?
In financial year 2024, Phone and more made a profit of €43,768.
Where can I find the annual accounts of Phone and more?
Phone and more filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2024.

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