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PHOSPHORE

Active
Private limited companyfounded 199135 yrs activeColline des Sources, Bonlez 23, 1325 Chaumont-Gistoux, BelgiumKBO/BCE: BE 0442.701.268
Summary

PHOSPHORE has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €46,864 and a net result of -€3,549. Equity is shrinking by ~6.3% per year across the filed fiscal years. Its solvency ranks better than 87% of 8127 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
PHOSPHOREActiveChecked score 94/100
Risk analysis ReportCompare

Overview

Activity
Advertising agencies
NACE 73110NACE 74142
1 site
Size
€49,104turnover 2025
Equity
€46,864
Loss
-€3,549
Financial health
94 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Accounts filed 19 d late0 of 2 deeds read
Why 94- Loss of €3,549, the second in a row (FY 2025)+ Founded in 1991+ Liquidity: current ratio 9.39, cash €18,559+ Equity €46,864 (88.7% of total assets)Show the evidence

Checked score

Score 2025
94 / 100
Excellent
Probability in this band: under 0.55%
Better than 56% of its sector peers (NACE 73, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 88.7% of total assets
Liquidity 94+6
short-term debt 10.5% · cash 35.1%
Profitability 9+6
return on assets -6.7%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (11,123 companies)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%▼ -1.2% vs 11-2024 01-2025: 0.1%▲ +40.0% vs 12-2024 02-2025: 0.1%● 0.0% vs 01-2025 03-2025: 0.1%▼ -13.4% vs 02-2025 04-2025: 0.1%● 0.0% vs 03-2025 05-2025: 0.1%● 0.0% vs 04-2025 06-2025: 0.1%● 0.0% vs 05-2025 07-2025: 0.1%● 0.0% vs 06-2025 08-2025: 0.1%▼ -1.0% vs 07-2025 09-2025: 0.1%● 0.0% vs 08-2025 10-2025: 0.1%▲ +12.5% vs 09-2025 11-2025: 0.1%▲ +7.4% vs 10-2025 12-2025: 0.1%▲ +12.9% vs 11-2025 01-2026: 0.1%▲ +11.5% vs 12-2025 02-2026: 0.2%▲ +25.3% vs 01-2026highest value 03-2026: 0.1%▼ -66.7% vs 02-2026lowest value 04-2026: 0.1%● 0.0% vs 03-2026lowest value 05-2026: 0.1%● 0.0% vs 04-2026lowest value 06-2026: 0.1%● 0.0% vs 05-2026lowest value 07-2026: 0.1%● 0.0% vs 06-2026lowest value 08-2026: 0.1%▲ +3.3% vs 07-2026 09-2026: 0.1%● 0.0% vs 08-2026 10-2026: 0.1%▲ +12.7% vs 09-2026
  • Founded in 1991 lowers the probability for this profile
  • Liquidity: current ratio 9.39, cash €18,559 lowers the probability
  • Loss of €3,549, the second in a row (FY 2025) raises the probability
  • Equity €46,864 (88.7% of total assets) lowers the probability
Credit up to €4,000 at 30 days acceptable
Liquidity ample (current ratio 9.39 against 8.62 in 2024; short-term debt: 10.5% and cash: 35.1% of total assets), and 11.3% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 73, micro). Better than this share of them on solvency 87%, liquidity 87%, profitability 16%, growth against the median 33%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Founded in 1991
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Liquidity: current ratio 9.39, cash €18,559
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Loss of €3,549, the second in a row (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Equity €46,864 (88.7% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
19202122232425
2019 to 2025 · latest year -€3,549
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 01-07-2025 was due by 01-02-2026 and was filed on 20-02-2026, 19 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filings
Deviation from the deadline
2025
19 d late
2024
44 d early
2023
7 d early
2022
22 d early
2021
27 d early
2020
11 d early
2019
19 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 16 days before the deadline; the sector median for financial year 2024 is 6 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 01-07-2026 and is due by 01-02-2027. Nothing is late today. Usually files around 10 January (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
01-07-2026 close03-10-2026 today01-02-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Annual accounts filedfiscal year 2023 · micro…

Key points

  • Risk: 3 loss-making years in a rowloss fiscal year 2025 -€3,549 View
  • Caution: Among the weakest 20% on net resultsector median €14,534 · 8,126 companies -€3,549 View
  • Active since 1991founded 28-01-1991 35 years View

By topic

Financials

Fiscal year
2025
Turnover
€49,104
Loss
-€3,549
Solvency
88.7%
Go to Financials

Timeline

Events
13
Since
2016
Next accounts
by 01-02-2027
  1. 20-02-2026Annual accounts filed
  2. 19-12-2024Annual accounts filed
  3. 25-01-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Advertising agenciesNACE 73110
Founded
28-01-1991
Year ends
01-07
Peppol
Reachable for e-invoices
Go to Company details

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