Phonomi.me
ActivePhonomi.me has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €28k and a net result of €69k. Equity is growing by ~31.5% per year across the filed fiscal years. Its solvency ranks better than 21% of 16974 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency45▼-40
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.13 against 2.24 in 2024; short-term debt: 79.9% and cash: 50.1% of total assets), and 79.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
20.1%
Return on assets
48.9%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 16974 sector peers (2025).
NBB · sector comparisonPosition among 16974 sector peers
Solvency
better than 21%
← weakest
strongest →
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 · 5 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
on the day
2022
on the day
2021
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€28k▼ 52.2%
2024 · €59k
2021: €11k
2022: €12k
2023: €46k
2024: €59k
2021 → 2025
Total assets
€141k▲ 43.7%
2024 · €98k
2021: €17k
2022: €21k
2023: €52k
2024: €98k
2021 → 2025
Net result
€69k▲ 58.3%
2024 · €44k
2021: €9k
2022: €1k
2023: €34k
2024: €44k
2021 → 2025
Working capital
€15k▼ 68.6%
2024 · €48k
2021: €9k
2022: €7k
2023: €38k
2024: €48k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€11k-€12k▲ 13.3%€46k▲ 280%€59k▲ 30.0%€28k▼ 52.2%
Operating result€11k-€2k▼ 77.5%€43k▲ 1,680%€56k▲ 28.6%€94k▲ 68.0%
Net result€9k-€1k▼ 83.6%€34k▲ 2,285%€44k▲ 30.0%€69k▲ 58.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 68% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €141k
Fixed assets
€13k▲ 21.3%
Current assets
€128k▲ 46.5%
Equity and liabilities €141k
Equity
€28k▼ 52.2%
Debt
€113k▲ 190%
The debt ratio rises from 39.7% to 79.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€98k▲
2024 · €60k
Cash flow
€74k▲
2024 · €47k
Solvency
20.1%▼
2024 · 60.3%
Current ratio
1.13▼
2024 · 2.24
Quick ratio
1.13▼
2024 · 2.24
Debt / equity
3.98▲
2024 · 0.66
ROE
243.8%▲
2024 · 73.7%
ROA
48.9%▲
2024 · 44.4%
Interest coverage
1512.41▲
2024 · 154.31
Debt
€113k▲
2024 · €39k
Debt ≤ 1 year
€113k▲
2024 · €39k
Income taxes
€25k▲
2024 · €12k
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€98k€141k▲
Fixed assets21/28€11k€13k▲
Tangible fixed assets22/27€11k€13k▲
Plant, machinery and equipment23€9k€9k▼
Furniture and vehicles24€1k€4k▲
Current assets29/58€87k€128k▲
Amounts receivable within one year40/41€38k€56k▲
Trade receivables40€11k€16k▲
Other amounts receivable41€26k€41k▲
Cash at bank and in hand54/58€49k€71k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€98k€141k▲
Equity10/15€59k€28k▼
Contributions10/11€2k€2k=
Reserves13€57k€26k▼
Distributable reserves133€57k€26k▼
Amounts payable17/49€39k€113k▲
Amounts payable within one year42/48€39k€113k▲
Trade debts44€6k€5k▼
Suppliers440/4€6k€5k▼
Taxes, remuneration and social security45€3k€8k▲
Taxes450/3€987€6k▲
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€30k€100k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€115€513▲
Gross operating margin9900€60k€99k▲
Operating profit (loss)9901€56k€94k▲
Financial income75/76B€4€0▼
Recurring financial income75€4€0▼
Financial charges65/66B€386€65▼
Recurring financial charges65€386€65▼
Profit (loss) for the period before taxes9903€55k€94k▲
Income taxes67/77€12k€25k▲
Profit (loss) for the period9904€44k€69k▲
Profit (loss) for the period to be appropriated9905€44k€69k▲
Appropriation of the result
Profit (loss) to be appropriated9906€44k€69k▲
Transfer from equity791/2-€31k
Transfer to equity691/2€14k-
To other reserves6921€14k-
Profit to be distributed694/7€30k€100k▲
Return on contributions (dividend)694€30k€100k▲
The notes to these accounts (5 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2021net €69k ▲58.3%
Operating result €94k, net result €69k, both a record.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Liquidity quadruplescurrent ratio 6.59
Current ratio from 1.79 to 6.59; short-term debt falls from €9k to €7k.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Weakest financial yearnet €1k ▼83.6%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Damme · 1 establishment unit since 2021
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.
Schardauwstraat 78340 DammeGround area
6,750 m²
Building footprint
171 m²
Volume, LiDAR
779 m³
Parcel 31026C0450/00R000, Flanders · tallest building 7.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Phonomi.me
since 20212.311.929.672
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31026C0450/00R000 | Flanders | 6,750 m² | 1 · 171 m² | 7.0 m · 1 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.
Similar companies · same sector, comparable size
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ThoSo IT
BE 0785.436.120
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ECOGREEN SOFT
BE 0541.953.648
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OnCue
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Of 29,996 companies in sector 62200 we hold annual accounts for 18,390. 14,152 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-01-2021
Fiscal year end30-06
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62010Computer programming, consultancy and related activities
62030Computer programming, consultancy and related activities
62900Other information technology and computer services
62100Computer programming
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.