PHONE TM CONSULT
ActivePHONE TM CONSULT has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €85k and a net result of €42k. Equity is growing by ~13.2% per year across the filed fiscal years. Its solvency ranks better than 42% of 7017 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability97▲+90
Solvency70▲+13
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.25 against 1.0 in 2024; short-term debt: 55.3% and cash: 4% of total assets), and 55.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
44.7%
Return on assets
22.4%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
30 d late
2022
26 d late
2021
28 d late
2020
31 d late
2019
30 d late
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€85k▲ 101%
2024 · €42k
2018: €14k
2019: €14k
2020: €62k
2021: €54k
2022: €64k
2023: €55k
2024: €42k
2018 → 2025
Total assets
€189k▲ 44.3%
2024 · €131k
2018: €46k
2019: €94k
2020: €90k
2021: €78k
2022: €92k
2023: €85k
2024: €131k
2018 → 2025
Net result
€42k
2024 · €-12k
2018: €-3k
2019: €921
2020: €48k
2021: €30k
2022: €-3k
2023: €-10k
2024: €-12k
2018 → 2025
Working capital
€26k
2024 · €-415
2018: €-4k
2019: €645
2020: €52k
2021: €47k
2022: €28k
2023: €16k
2024: €-415
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€54k-€64k▲ 18.7%€55k▼ 15.3%€42k▼ 22.7%€85k▲ 101%
Operating result€30k-€6k▼ 80.3%€-7k€-12k▼ 80.6%€51k
Net result€30k-€-3k€-10k▼ 184%€-12k▼ 25.4%€42k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €51k after a loss of €12k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €189k
Fixed assets
€59k▲ 37.5%
Current assets
€131k▲ 47.7%
Equity and liabilities €189k
Equity
€85k▲ 101%
Debt
€105k▲ 17.7%
The debt ratio falls from 67.9% to 55.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€57k▲
2024 · €-9k
Cash flow
€48k▲
2024 · €-9k
Solvency
44.7%▲
2024 · 32.1%
Current ratio
1.25▲
2024 · 1.00
Quick ratio
1.25▲
2024 · 1.00
Debt / equity
1.24▼
2024 · 2.11
ROE
50.2%▲
2024 · -29.4%
ROA
22.4%▲
2024 · -9.4%
Interest coverage
9098.38▲
2024 · -30.65
Debt
€105k▲
2024 · €89k
Debt ≤ 1 year
€105k▲
2024 · €89k
Income taxes
€9k
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€131k€189k▲
Fixed assets21/28€43k€59k▲
Tangible fixed assets22/27€13k€9k▼
Plant, machinery and equipment23€7k€5k▼
Furniture and vehicles24€5k€4k▼
Financial fixed assets28€30k€50k▲
Current assets29/58€88k€131k▲
Amounts receivable within one year40/41€62k€97k▲
Trade receivables40€23k€15k▼
Other amounts receivable41€39k€82k▲
Cash at bank and in hand54/58€2k€8k▲
Deferred charges and accrued income490/1€25k€27k▲
Equity and liabilities
Total equity and liabilities10/49€131k€189k▲
Equity10/15€42k€85k▲
Contributions10/11€20k€20k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€20k€62k▲
Amounts payable17/49€89k€105k▲
Amounts payable within one year42/48€89k€105k▲
Financial debts43€1k-
Credit institutions430/8€1k-
Trade debts44€17k€19k▲
Suppliers440/4€17k€19k▲
Taxes, remuneration and social security45-€23k
Taxes450/3-€23k
Other amounts payable47/48€71k€63k▼
Accrued charges and deferred income492/3€153-
Income statement
Code20242025
Non-recurring operating income76A-€97k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€5k▲
Other operating charges640/8€75€173▲
Gross operating margin9900€-9k€57k▲
Operating profit (loss)9901€-12k€51k▲
Financial income75/76B€8-
Recurring financial income75€8-
Financial charges65/66B€284€6▼
Recurring financial charges65€284€6▼
Profit (loss) for the period before taxes9903€-12k€51k▲
Income taxes67/77-€9k
Profit (loss) for the period9904€-12k€42k▲
Profit (loss) for the period to be appropriated9905€-12k€42k▲
Appropriation of the result
Profit (loss) to be appropriated9906€20k€62k▲
Profit (loss) brought forward from the previous period14P€32k€20k▼
The notes to these accounts (8 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €42k
Net result €42k after 3 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
26-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 26 days late
2022
28-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 28 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €48k ▲5070%
Operating result €65k, net result €48k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 2.83
Current ratio from 1.01 to 2.83; short-term debt falls from €79k to €28k.
30-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 30 days late
2019
31-12
Financial
Back to profitnet €921
Net result €921 after one loss-making year.
06-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
03-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 3 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Hannut · 1 establishment unit since 2012
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 Albert 1er 334280 HannutGround area
83 m²
Building footprint
65 m²
Volume, LiDAR
688 m³
Parcel 64034B0814/00H002, Wallonia · tallest building 12.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue Albert 1er 33, 4280 Hannut
since 20122.209.718.990
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64034B0814/00H002 | Wallonia | 83 m² | 1 · 65 m² | 12.4 m · 3 fl. |
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.
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BE 0824.046.870
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CONNECTER
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Steenokkerzeel · Eq €85k
Of 13,422 companies in sector 73300 we hold annual accounts for 6,900. 5,616 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-05-2012
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
47400Retail sale of information and communication equipment
47410Retail trade
47420Retail trade
68110Buying and selling of own real estate
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 14 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.