Equity
€35,038 from €79,682 in 2022
Equity fell by 56% in 3 years.
Phonoid
Lifetime
13 annual accounts with figures on one time axispeak €43,605 (2018)
€7,183▼ 36.7%
lowest -€15,415 (2017)
€3,487▲ 483%
peak €79,682 (2022)
€35,038▲ 11.1%
€508▼ 98.7%
Board1 name since 2021
1 directorMALISART Aurélien
Documentsfilings and deeds
30-01-20261 day before the deadline
2025micro format
Gross margin from €11,342 to €7,183Result from €598 to €3,487Debts from €38,999 to €508Cash from €37,598 to €19,896
Key points
from the 2025 annual accountsChecked score
96
Excellent
Financially stronger than 70% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: 0.1%▲ +0.1 percentage points vs 01-2025highest value
03-2025: < 0.1%▼ -0.1 percentage points vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026lowest value
03-2026: < 0.1%● unchanged vs 02-2026lowest value
04-2026: < 0.1%● unchanged vs 03-2026lowest value
05-2026: < 0.1%● unchanged vs 04-2026lowest value
06-2026: < 0.1%● unchanged vs 05-2026lowest value
07-2026: < 0.1%● unchanged vs 06-2026lowest value
08-2026: < 0.1%● unchanged vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
lowers risk
Liquidity: current ratio 69.21, cash €19,896
Sector: Computer programming, consultancy and related activities (NACE 62)
Equity €35,038 (98.6% of total assets)
Founded in 2012
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 62, micro). It does better than 85% of them on solvency, 96% on liquidity, 41% on profitability and 58% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 34,693 companies had the same profile as Phonoid has now. Each dot stands for 87 companies, two years later.
95.3%
were still trading
3.9%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of Phonoid itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 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 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 34,693 companies, not a prediction for Phonoid. 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.
Credit verdict
Credit of up to €3,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 69.21 (1.78 in 2024), above the usual 1.5. Short-term debt is 1.4% and cash 56% of total assets. 1.4% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
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.
Signals
6 signals, none raises the risk
Six signals.
lowers riskneutral
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
19202122232425
2019 to 2025 · latest year €35,038
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 day early
2024
on the day
2023
1 day early
2022
1 day early
2021
on the day
2020
33 days early
2019
4 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 6 days before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 30 January (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end10-11-2026 today31-01-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0843175369
Appointment: MALISART Aurélien (director)
Legal-form conversion: from private limited company (pre-2019) to private limited company · Director discharge: MALISART Aurélien · General meeting of 28-05-2021 · Gazette deed
First establishment
Rue de Chièvres 449, Saint-Ghislain
Incorporation
published on 14-02-2012 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Phonoid Saint-Ghislain | €35,546 | €7,183 | 98.6% | - |
| SHIFTY SHEEP Rebecq | €36,426 | €8,154 | 66.2% | - |
| BABYLONIA - CREATIVE AFFAIRS BUREAU Etterbeek | €34,166 | €8,388 | 45.6% | - |
| 2Elemental Tessenderlo-Ham | €41,606 | €6,707 | 38.3% | - |
| landmeetkundig studiebureau Schoonvliet Antwerp | €38,704 | €7,840 | -17.2% | - |
| Web Industry Lochristi | €36,629 | €5,996 | 90.9% | - |
| VANOIS Lens (Hainaut) | €24,242 | €9,316 | 51.5% | - |
These companies have the same main activity as Phonoid: computer programming (NACE 62100). They are comparable in size and age: total assets between €24,200 and €41,600, founded between 2009 and 2012.
Official details
Source: KBO- Status
- Active since 27-01-2012Normal situation
- Activity
- Computer programmingNACE 62100and 2 others
- Establishment unit
- 2.206.538.8757332 Saint-Ghislain, since 08-02-2012
- Financial year end
- 30 June
- Peppol
- Reachable since 13-05-2025
Annual accounts to 30-06-2025
- ≈ €39,000estimated
- €35,546▼ 49.6%
- Filing
- Filed on 30-01-2026, 1 day before the end of the filing period
Insights on Phonoid
Phonoid files the micro format. That format states no turnover. The gross margin fell from €34,880 in 2013 to €7,183 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Phonoid
- What is the company number of Phonoid?
- The company number of Phonoid is 0843.175.369. The VAT number is the same number with BE in front: BE 0843.175.369.
- Where is Phonoid based?
- The registered office is at Rue de Chièvres 449, 7332 Saint-Ghislain.Company details
- What does Phonoid do?
- According to the KBO register, the main activity is computer programming (NACE 62100).
- What is the legal form of Phonoid?
- Phonoid is a private limited company (BV).
- When was Phonoid founded?
- Phonoid was founded on 27-01-2012.
- Is Phonoid still active?
- Yes, Phonoid is an active enterprise in the KBO register.
- What is the turnover of Phonoid?
- The turnover in financial year 2025 is ≈ €39,000. This figure is estimated from the gross margin of €7,183 and 53 comparable companies (NACE 62100). It probably lies between €21,000 and €75,000. It is a rough estimate.Financials
- Is Phonoid profitable?
- In financial year 2025, Phonoid made a profit of €3,487.
- Where can I find the annual accounts of Phonoid?
- Phonoid filed 13 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Phonoid due?
- Phonoid must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
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