PHONE CORNER ATH
ActiveThe computed 12-month bankruptcy probability of PHONE CORNER ATH is 1.6% (moderate). The 2025 annual accounts show equity of €112k and a net result of €15k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 45% of 4147 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-26
Solvency57▼-3
Growth52▼-6
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days only on tighter terms
Liquidity tight (current ratio 1.34 against 1.43 in 2024; short-term debt: 61.8% and cash: 8.6% of total assets), and 67.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
32.3%
Return on assets
4.4%
Age of the figures
12 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €112k
raises risk · Filed more than 90 days late
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 11-09-2026, 134 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
134 d late
2024
69 d late
2023
80 d late
2022
152 d late
2021
55 d late
2020
31 d late
2019
34 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€15k▼ 81.6%
2024 · €84k
2018: €31k
2019: €7k
2020: €7k
2021: €8k
2022: €-41k
2023: €-77k
2024: €84k
2018 → 2025
Working capital
€72k▼ 6.5%
2024 · €77k
2018: €67k
2019: €97k
2020: €104k
2021: €119k
2022: €102k
2023: €-2k
2024: €77k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€132k-€90k▼ 31.2%€13k▼ 85.5%€97k▲ 638%€112k▲ 15.9%
Operating result€13k-€18k▲ 39.8%€30k▲ 69.2%€88k▲ 198%€33k▼ 62.7%
Net result€8k-€-41k€-77k▼ 88.4%€84k€15k▼ 81.6%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 63% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €347k
Fixed assets
€60k▲ 213%
Current assets
€287k▲ 11.3%
Equity and liabilities €347k
Equity
€112k▲ 15.9%
Debt
€235k▲ 30.3%
The debt ratio rises from 65.1% to 67.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€40k▼
2024 · €96k
Cash flow
€23k▼
2024 · €91k
Solvency
32.3%▼
2024 · 34.9%
Current ratio
1.34▼
2024 · 1.43
Quick ratio
0.72▼
2024 · 0.91
Debt / equity
2.10▲
2024 · 1.87
ROE
13.7%▼
2024 · 86.5%
ROA
4.4%▼
2024 · 30.2%
Interest coverage
6.89▼
2024 · 14.16
Debt
€235k▲
2024 · €180k
Debt ≤ 1 year
€215k▲
2024 · €180k
Debt > 1 year
€21k
Income taxes
€10k▲
2024 · €-814
Staff costs
€300k▲
2024 · €199k
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€277k€347k▲
Fixed assets21/28€19k€60k▲
Tangible fixed assets22/27€18k€59k▲
Plant, machinery and equipment23€1k€6k▲
Furniture and vehicles24€11k€13k▲
Other tangible fixed assets26€5k€40k▲
Financial fixed assets28€1k€1k▼
Current assets29/58€258k€287k▲
Stocks and contracts in progress3€94k€133k▲
Stocks30/36€94k€133k▲
Amounts receivable within one year40/41€136k€124k▼
Trade receivables40€84k€86k▲
Other amounts receivable41€52k€38k▼
Cash at bank and in hand54/58€15k€30k▲
Deferred charges and accrued income490/1€13k€360▼
Equity and liabilities
Total equity and liabilities10/49€277k€347k▲
Equity10/15€97k€112k▲
Contributions10/11€19k€20k▲
Capital10-€20k
Issued capital100-€20k
Outside capital11€19k-
Other1109/19€19k-
Reserves13€2k-
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Profit (loss) carried forward14€76k€92k▲
Amounts payable17/49€180k€235k▲
Amounts payable after more than one year17-€21k
Financial debts170/4-€21k
Amounts payable within one year42/48€180k€215k▲
Current portion of amounts payable after more than one year42€6k€23k▲
Financial debts43€20k€27k▲
Credit institutions430/8€20k€27k▲
Trade debts44€93k€99k▲
Suppliers440/4€93k€99k▲
Advances received on contracts in progress46€8k-
Taxes, remuneration and social security45€53k€65k▲
Taxes450/3€11k€17k▲
Remuneration and social security454/9€42k€49k▲
Income statement
Code20242025
Remuneration, social security and pensions62€199k€300k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€7k▼
Other operating charges640/8€5k€36k▲
Non-recurring operating charges66A-€3k
Gross operating margin9900€300k€380k▲
Operating profit (loss)9901€88k€33k▼
Financial income75/76B€2k€490▼
Recurring financial income75€2k€490▼
Financial charges65/66B€8k€8k▲
Recurring financial charges65€7k€6k▼
Non-recurring financial charges66B€800€2k▲
Profit (loss) for the period before taxes9903€83k€26k▼
Income taxes67/77€-814€10k▲
Profit (loss) for the period9904€84k€15k▼
Profit (loss) for the period to be appropriated9905€84k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€76k€92k▲
Profit (loss) brought forward from the previous period14P€-7k€76k▲
Social balance
Average headcount (FTE)90875.76.0▲
The notes to these accounts (12 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
11-09
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 134 days late
2025
30-09
Financial
Equity above €100kEq €112k ▲15.9%
2 profitable years in a row build equity to €112k.
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 69 days late
2024
30-09
Financial
Back to profitnet €84k
Net result €84k after 2 loss-making years.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 80 days late
2023
30-09
Financial
Weakest financial yearnet €-77k
Net result drops to €-77k, the lowest in the series; recovery starts the following year.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 152 days late
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 55 days late
2021
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
03-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 34 days late
2019
23-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 23 days late
2018
03-04
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
16-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Tubize · 4 establishment units since 2016
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 de Mons 231480 TubizeGround area
449 m²
Building footprint
253 m²
Volume, LiDAR
1,216 m³
4 parcels, Wallonia · tallest building 17.4 m, ±4 floors. Linked by address, not a title deed.
4 establishment units
PHONE CORNER ATH
since 20162.247.418.338
PHONE CORNER BRAINE LE COMTE
since 20162.254.192.106
Phone Corner
since 20172.267.287.601
Phone corner Ciney
since 20252.376.700.136
4 parcels
Wallonia
4
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25105A0074/00X000 | Wallonia | 174 m² | 1 · 65 m² | 17.4 m · 3 fl. |
| 91030A0524/00E000 | Wallonia | 94 m² | 1 · 83 m² | - |
| 55302C0164/00Z011 | Wallonia | 93 m² | 1 · 51 m² | - |
| 51004D0159/00B000 | Wallonia | 88 m² | 1 · 54 m² | 13.1 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 3
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 3,227 companies in sector 47400 we hold annual accounts for 1,806. 1,444 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-11-2015
Fiscal year end30-09
Abbreviation FR
P.C.A.
Activities, NACEBEL
47400Retail sale of information and communication equipment
47420Retail trade
95100Repair and maintenance of computers and communication equipment
95120Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.