Equity
Debts exceed assets in financial year 2025.
Debts exceed assets in financial year 2025.
The micro format states no turnover.
Lower net result than 95% of companies in retail trade. Sector median €4,763 · 25,208 companies.
In July 2024, 7,637 companies had the same profile as PHONE-TECH has now. Each dot stands for 20 companies, two years later.
Another 0.8% stopped without a precise date, possibly only after those two years.
The method was tested on the 497,331 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 7,637 companies, not a prediction for PHONE-TECH. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
| Company | ||||
|---|---|---|---|---|
| PHONE-TECH Brussels | €161,575 | €16,256 | -73.2% | - |
| MOBILE M Anderlecht | €112,745 | €12,474 | 16.1% | - |
| LISTENING SESSIONS Rixensart | €90,869 | €23,917 | 39.6% | - |
| Beewa Ixelles | €72,049 | €11,828 | 40.6% | - |
| AFTER THE LOOP Uccle | €71,681 | €30,475 | 89.8% | - |
| Macsave Bruges | €88,179 | €28,492 | 73.4% | - |
| SDAG Belgium Namur | €77,573 | €11,452 | 86.3% | - |
These companies have the same main activity as PHONE-TECH: retail sale of information and communication equipment (NACE 47400). They are comparable in size and age: total assets between €71,700 and €113,000, founded between 2023 and 2025.
The 2025 annual accounts show negative equity (-€118,230) and a net result of -€120,230. Its solvency ranks better than 10% of 25,237 sector peers (NACE 47, financial year 2025).
The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
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