PHR
ActivePHR has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €90k and a net result of €162k. Equity is growing by ~27.1% per year across the filed fiscal years. Its solvency ranks better than 20% of 8584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency25▲+3
Growth52=
Stability94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.13 against 1.2 in 2024), and 83.6% 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 70
Relative position
BE, all sectors
reference
Sector 70
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
16.4%
Return on assets
29.3%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 8584 sector peers (2025).
NBB · sector comparisonPosition among 8584 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-04-2026, 119 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
119 d early
2024
38 d early
2023
97 d early
2022
98 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, abbreviated schema
Equity
€90k▲ 29.7%
2024 · €70k
2023: €53k
2024: €70k
2023 → 2025
Total assets
€552k▼ 19.7%
2024 · €688k
2023: €606k
2024: €688k
2023 → 2025
Net result
€162k▼ 25.5%
2024 · €217k
2023: €291k
2024: €217k
2023 → 2025
Working capital
€52k▼ 51.8%
2024 · €108k
2023: €20k
2024: €108k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€53k-€70k▲ 32.3%€90k▲ 29.7%
Operating result€418k-€328k▼ 21.5%€244k▼ 25.6%
Net result€291k-€217k▼ 25.5%€162k▼ 25.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 26% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €552k
Fixed assets
€92k▲ 214%
Current assets
€460k▼ 30.1%
Equity and liabilities €552k
Equity
€90k▲ 29.7%
Debt
€461k▼ 25.3%
The debt ratio falls from 89.9% to 83.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€255k▼
2024 · €338k
Cash flow
€173k▼
2024 · €227k
Solvency
16.4%▲
2024 · 10.1%
Current ratio
1.13▼
2024 · 1.20
Quick ratio
1.13▼
2024 · 1.20
Debt / equity
5.10▼
2024 · 8.86
ROE
178.8%▼
2024 · 311.2%
ROA
29.3%▼
2024 · 31.6%
Interest coverage
17.48▼
2024 · 27.35
Debt
€461k▼
2024 · €618k
Debt ≤ 1 year
€408k▼
2024 · €551k
Debt > 1 year
€53k
Income taxes
€67k▼
2024 · €89k
Staff costs
€1.13M▼
2024 · €1.23M
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€688k€552k▼
Fixed assets21/28€29k€92k▲
Intangible fixed assets21€11k€8k▼
Tangible fixed assets22/27€19k€84k▲
Plant, machinery and equipment23€16k€16k▲
Furniture and vehicles24€3k€0▼
Leasing and similar rights25-€68k
Financial fixed assets28€40€40=
Current assets29/58€658k€460k▼
Amounts receivable within one year40/41€455k€421k▼
Trade receivables40€433k€404k▼
Other amounts receivable41€21k€17k▼
Cash at bank and in hand54/58€173k€14k▼
Deferred charges and accrued income490/1€31k€25k▼
Equity and liabilities
Total equity and liabilities10/49€688k€552k▼
Equity10/15€70k€90k▲
Contributions10/11€1k€1k=
Reserves13€69k€89k▲
Distributable reserves133€69k€89k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€618k€461k▼
Amounts payable after more than one year17-€53k
Financial debts170/4-€53k
Amounts payable within one year42/48€551k€408k▼
Current portion of amounts payable after more than one year42-€14k
Trade debts44€143k€92k▼
Suppliers440/4€143k€92k▼
Taxes, remuneration and social security45€208k€161k▼
Taxes450/3€95k€40k▼
Remuneration and social security454/9€113k€122k▲
Other amounts payable47/48€200k€141k▼
Accrued charges and deferred income492/3€67k€0▼
Income statement
Code20242025
Non-recurring operating income76A€11k€11k▼
Remuneration, social security and pensions62€1.23M€1.13M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€12k▲
Other operating charges640/8€598€2k▲
Non-recurring operating charges66A€947€274▼
Gross operating margin9900€1.57M€1.39M▼
Operating profit (loss)9901€328k€244k▼
Financial income75/76B€0€131▲
Recurring financial income75€0€131▲
Financial charges65/66B€21k€15k▼
Recurring financial charges65€12k€15k▲
Non-recurring financial charges66B€9k€0▼
Profit (loss) for the period before taxes9903€306k€229k▼
Income taxes67/77€89k€67k▼
Profit (loss) for the period9904€217k€162k▼
Profit (loss) for the period to be appropriated9905€217k€162k▼
Appropriation of the result
Profit (loss) to be appropriated9906€217k€162k▼
Transfer to equity691/2€17k€21k▲
To other reserves6921€17k€21k▲
Profit to be distributed694/7€200k€141k▼
Return on contributions (dividend)694€200k€100k▼
Employees696€0€41k▲
Social balance
Average headcount (FTE)908716.715.0▼
The notes to these accounts (23 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
03-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €162k ▼25.5%
Net result drops to €162k, the lowest in the series.
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
25-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
24-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated 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, Wervik · 1 establishment unit since 2022
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.
Beselarestraat 748940 WervikGround area
396 m²
Building footprint
97 m²
Volume, LiDAR
462 m³
Parcel 33009C0951/00A003, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PHR
since 20222.326.330.412
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33009C0951/00A003 | Flanders | 396 m² | 1 · 97 m² | 10.5 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 6,025 EUR awarded · 5,932 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,158 EUR | 1,212 EUR |
| 2024 | 1 | 621 EUR | 621 EUR |
| 2023 | 1 | 1,007 EUR | 1,860 EUR |
| 2022 | 1 | 2,239 EUR | 2,239 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
984500E0E89EE3751408
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,395. 40,317 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-12-2021
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
78100Employment placement agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.