Phonomi.me
ActiveSummary
Phonomi.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 17043 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
Five 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 17043 sector peers (2025).
NBB · sector comparisonPosition among 17043 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 →
Checked, nothing found (2)
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 close24-09-2026 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%
Debt's share of the balance-sheet total 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
Current ratio
1.13▼
2024 · 2.24
Debt to 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 ≤ 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 to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
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
ISSARIS CONSULTANCY
BE 0729.955.187
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MOVENDI
BE 0729.788.210
Charleroi · Eq €28,343
ThoSo IT
BE 0785.436.120
Gent · Eq €28,343
ECOGREEN SOFT
BE 0541.953.648
Namur · Eq €28,336
OnCue
BE 0649.542.979
Brasschaat · Eq €28,334
Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 14,152 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-01-2021
Fiscal year end30-06
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
62900Other information technology and computer services
62100Computer programming
63910Web portal activities
63920Other information service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.