PHPro
ActivePHPro has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.35M and a net result of €619k. Equity is growing by ~17.6% per year across the filed fiscal years. Its solvency ranks better than 73% of 1396 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+1
Solvency99▲+1
Growth38▲+2
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €240k at 30 days acceptable
Liquidity ample (current ratio 2.78 against 2.64 in 2024), and 38.8% 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 →
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
61.2%
Return on assets
16.1%
Age of the figures
8 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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 · 7 filingsDeviation from the deadline
2025
24 d late
2024
26 d late
2023
14 d late
2022
25 d late
2021
19 d late
2020
19 d early
2019
17 d early
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€7.18M▲ 1.1%
2024 · €7.10M
2019: €11.57M
2020: €6.00M
2021: €6.40M
2022: €7.78M
2023: €7.43M
2024: €7.10M
2019 → 2025
EBIT margin
11.4%▲ 1.1pp
2024 · 10.3%
2019: 14.8%
2020: 10.0%
2021: 8.2%
2022: 11.7%
2023: 12.6%
2024: 10.3%
2019 → 2025
Net result
€619k▼ 5.0%
2024 · €651k
2019: €1.14M
2020: €402k
2021: €356k
2022: €722k
2023: €636k
2024: €651k
2019 → 2025
Working capital
€2.43M▲ 17.5%
2024 · €2.07M
2019: €854k
2020: €1.38M
2021: €1.24M
2022: €1.35M
2023: €1.51M
2024: €2.07M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€6.40M-€7.78M▲ 21.4%€7.43M▼ 4.4%€7.10M▼ 4.4%€7.18M▲ 1.1%
Equity€1.23M-€1.30M▲ 5.2%€1.58M▲ 22.1%€2.08M▲ 31.7%€2.35M▲ 12.9%
Operating result€528k-€907k▲ 71.8%€940k▲ 3.6%€731k▼ 22.2%€818k▲ 11.8%
Net result€356k-€722k▲ 103%€636k▼ 11.9%€651k▲ 2.4%€619k▼ 5.0%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 12% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.85M
Fixed assets
€47k▼ 63.1%
Current assets
€3.80M▲ 14.0%
Equity and liabilities €3.85M
Equity
€2.35M▲ 12.9%
Provisions
€4k
Debt
€1.49M▲ 8.2%
The debt ratio falls from 39.8% to 38.7%: equity grows faster than debt.
Key figures and ratios
EBITDA
€908k▲
2024 · €826k
Cash flow
€710k▼
2024 · €746k
Solvency
61.2%▲
2024 · 60.2%
Current ratio
2.78▲
2024 · 2.64
Quick ratio
2.78▲
2024 · 2.63
Debt / equity
0.63▼
2024 · 0.66
ROE
26.3%▼
2024 · 31.3%
ROA
16.1%▼
2024 · 18.8%
Interest coverage
12.27▼
2024 · 13.59
Debt
€1.49M▲
2024 · €1.38M
Debt ≤ 1 year
€1.37M▲
2024 · €1.26M
Income taxes
€169k▲
2024 · €77k
Staff costs
€3.19M▲
2024 · €3.13M
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€3.46M€3.85M▲
Fixed assets21/28€128k€47k▼
Intangible fixed assets21€97k€23k▼
Tangible fixed assets22/27€31k€24k▼
Plant, machinery and equipment23€31k€24k▼
Current assets29/58€3.33M€3.80M▲
Stocks and contracts in progress3€8k-
Contracts in progress37€8k-
Amounts receivable within one year40/41€3.24M€3.67M▲
Trade receivables40€1.28M€1.32M▲
Other amounts receivable41€1.96M€2.35M▲
Cash at bank and in hand54/58€29k€21k▼
Deferred charges and accrued income490/1€57k€103k▲
Equity and liabilities
Total equity and liabilities10/49€3.46M€3.85M▲
Equity10/15€2.08M€2.35M▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€2.02M€2.29M▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€307k€295k▼
Distributable reserves133€1.71M€1.99M▲
Profit (loss) carried forward14€196€986▲
Provisions and deferred taxes16-€4k
Provisions for liabilities and charges160/5-€4k
Pensions and similar obligations160-€4k
Amounts payable17/49€1.38M€1.49M▲
Amounts payable within one year42/48€1.26M€1.37M▲
Trade debts44€527k€542k▲
Suppliers440/4€527k€542k▲
Taxes, remuneration and social security45€587k€445k▼
Taxes450/3€236k€96k▼
Remuneration and social security454/9€351k€349k▼
Other amounts payable47/48€150k€380k▲
Accrued charges and deferred income492/3€111k€120k▲
Income statement
Code20242025
Turnover70€7.10M€7.18M▲
Non-recurring operating income76A€207€585▲
Goods, raw materials, services and sundry goods60/61€3.22M€3.05M▼
Remuneration, social security and pensions62€3.13M€3.19M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€94k€91k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€8k
Other operating charges640/8€21k€14k▼
Non-recurring operating charges66A€1k€2k▲
Gross operating margin9900€3.98M€4.13M▲
Operating profit (loss)9901€731k€818k▲
Financial income75/76B€58k€44k▼
Recurring financial income75€58k€44k▼
Non-recurring financial income76B€306€130▼
Financial charges65/66B€61k€74k▲
Recurring financial charges65€61k€74k▲
Profit (loss) for the period before taxes9903€728k€788k▲
Income taxes67/77€77k€169k▲
Profit (loss) for the period9904€651k€619k▼
Transfer from tax-exempt reserves789€84k€139k▲
Transfer to tax-exempt reserves689€168k€126k▼
Profit (loss) for the period to be appropriated9905€567k€632k▲
Appropriation of the result
Profit (loss) to be appropriated9906€567k€632k▲
Profit (loss) brought forward from the previous period14P€130€196▲
Transfer to equity691/2€417k€281k▼
To other reserves6921€417k€281k▼
Profit to be distributed694/7€150k€350k▲
Return on contributions (dividend)694-€160k
Directors or managers695€150k€190k▲
Social balance
Average headcount (FTE)908746.144.4▼
The notes to these accounts (11 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 24 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 26 days late
2024
31-12
Financial
Equity above €2MEq €2.08M ▲31.7%
6 profitable years in a row build equity to €2.08M.
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 14 days late
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 25 days late
2022
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 19 days late
2021
31-12
Financial
Weakest financial yearnet €356k ▼11.4%
Net result drops to €356k, the lowest in the series; recovery starts the following year.
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €1MEq €1.28M ▲45.7%
2 profitable years in a row build equity to €1.28M.
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
under verification, no change since 2023
This board is reconstructed from a single act (23049159). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
De Cronos Groep NV
CurrentDirector · since 11-04-2023 · Legal entity · perm. rep.: Dirk Deroost
Phanes NV
CurrentDirector · since 11-04-2023 · Legal entity · perm. rep.: Gunther Van Roey
XGD NV
CurrentDirector · since 11-04-2023 · Legal entity · perm. rep.: Josephus de Wit
11-04-2023
De Cronos Groep NV: Appointed as Director
11-04-2023
Phanes NV: Appointed as Director
11-04-2023
XGD NV: Appointed as Director
Location & real-estate footprint
Registered office, Kontich · 1 establishment unit since 2018
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.
Veldkant 33 A2550 KontichGround area
3,333 m²
Building footprint
933 m²
Volume, LiDAR
7,846 m³
Parcel 11024B0079/00F000, Flanders · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Meteor
since 20182.275.447.279
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11024B0079/00F000 | Flanders | 3,333 m² | 1 · 932 m² | 10.3 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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SORTLIST
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Of 16,811 companies in sector 62100 we hold annual accounts for 8,749. 2,366 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded06-04-2018
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62020IT consultancy
62100Computer programming
62200Computer consultancy and computer facilities management
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.