PHRONESYSS
ActivePHRONESYSS has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.23M and a net result of €230k. Equity is growing by ~62.1% per year across the filed fiscal years. Its solvency ranks better than 53% of 2687 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▲+2
Solvency75▲+10
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €90k at 30 days acceptable
Liquidity tight (current ratio 1.32 against 1.29 in 2024; short-term debt: 32.7% and cash: 8.7% of total assets), and 50.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers 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
49.7%
Return on assets
9.3%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 06-08-2026, 6 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 · 10 filingsDeviation from the deadline
2025
6 d late
2024
60 d late
2023
29 d late
2022
11 d early
2021
296 d late
2020
15 d early
2019
25 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.23M▲ 23.1%
2024 · €996k
2018: €57k
2019: €86k
2020: €158k
2021: €290k
2022: €545k
2023: €814k
2024: €996k
2018 → 2025
Total assets
€2.46M▼ 0.6%
2024 · €2.48M
2018: €508k
2019: €614k
2020: €654k
2021: €819k
2022: €1.34M
2023: €1.73M
2024: €2.48M
2018 → 2025
Net result
€230k▲ 26.8%
2024 · €181k
2018: €4k
2019: €30k
2020: €71k
2021: €132k
2022: €255k
2023: €269k
2024: €181k
2018 → 2025
Working capital
€254k▼ 8.0%
2024 · €276k
2018: €-99k
2019: €-64k
2020: €17k
2021: €120k
2022: €409k
2023: €408k
2024: €276k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€290k-€545k▲ 88.0%€814k▲ 49.4%€996k▲ 22.3%€1.23M▲ 23.1%
Operating result€208k-€348k▲ 67.1%€295k▼ 15.1%€189k▼ 35.9%€256k▲ 35.1%
Net result€132k-€255k▲ 92.6%€269k▲ 5.5%€181k▼ 32.6%€230k▲ 26.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 35% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.46M
Fixed assets
€1.40M▲ 13.2%
Current assets
€1.06M▼ 14.4%
Equity and liabilities €2.46M
Equity
€1.23M▲ 23.1%
Debt
€1.24M▼ 16.5%
The debt ratio falls from 59.8% to 50.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€761k▲
2024 · €494k
Cash flow
€736k▲
2024 · €486k
Solvency
49.7%▲
2024 · 40.2%
Current ratio
1.32▲
2024 · 1.29
Quick ratio
1.32▲
2024 · 1.29
Debt / equity
1.01▼
2024 · 1.49
ROE
18.8%▲
2024 · 18.2%
ROA
9.3%▲
2024 · 7.3%
Interest coverage
17.94▲
2024 · 13.08
Debt
€1.24M▼
2024 · €1.48M
Debt ≤ 1 year
€805k▼
2024 · €961k
Debt > 1 year
€433k▼
2024 · €522k
Income taxes
€-12k▼
2024 · €-5k
Staff costs
€1.03M▲
2024 · €920k
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€2.48M€2.46M▼
Fixed assets21/28€1.24M€1.40M▲
Intangible fixed assets21€600k€682k▲
Tangible fixed assets22/27€641k€723k▲
Land and buildings22€226k€282k▲
Plant, machinery and equipment23€23k€19k▼
Furniture and vehicles24€390k€421k▲
Other tangible fixed assets26€1k€473▼
Current assets29/58€1.24M€1.06M▼
Amounts receivable after more than one year29-€113k
Other amounts receivable291-€113k
Amounts receivable within one year40/41€860k€710k▼
Trade receivables40€552k€634k▲
Other amounts receivable41€308k€76k▼
Cash at bank and in hand54/58€356k€215k▼
Deferred charges and accrued income490/1€22k€22k▲
Equity and liabilities
Total equity and liabilities10/49€2.48M€2.46M▼
Equity10/15€996k€1.23M▲
Contributions10/11€19k€19k=
Reserves13€29k€29k=
Tax-exempt reserves132€3k€3k=
Distributable reserves133€26k€26k=
Profit (loss) carried forward14€948k€1.18M▲
Amounts payable17/49€1.48M€1.24M▼
Amounts payable after more than one year17€522k€433k▼
Financial debts170/4€522k€433k▼
Amounts payable within one year42/48€961k€805k▼
Current portion of amounts payable after more than one year42€291k€245k▼
Trade debts44€420k€201k▼
Suppliers440/4€420k€201k▼
Taxes, remuneration and social security45€247k€249k▲
Taxes450/3€106k€66k▼
Remuneration and social security454/9€141k€183k▲
Other amounts payable47/48€2k€110k▲
Income statement
Code20242025
Non-recurring operating income76A-€8k
Remuneration, social security and pensions62€920k€1.03M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€305k€506k▲
Other operating charges640/8€5k€13k▲
Non-recurring operating charges66A€42k-
Gross operating margin9900€1.46M€1.81M▲
Operating profit (loss)9901€189k€256k▲
Financial income75/76B€25k€5k▼
Recurring financial income75€25k€5k▼
Financial charges65/66B€38k€42k▲
Recurring financial charges65€38k€42k▲
Profit (loss) for the period before taxes9903€176k€218k▲
Income taxes67/77€-5k€-12k▼
Profit (loss) for the period9904€181k€230k▲
Profit (loss) for the period to be appropriated9905€181k€230k▲
Appropriation of the result
Profit (loss) to be appropriated9906€948k€1.18M▲
Profit (loss) brought forward from the previous period14P€767k€948k▲
Social balance
Average headcount (FTE)908715.316.2▲
The notes to these accounts (16 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
06-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 6 days late
2025
31-12
Financial
Equity above €1MEq €1.23M ▲23.1%
8 profitable years in a row build equity to €1.23M.
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 60 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
31-12
Financial
Highest result since 2018net €269k ▲5.5%
Net result €269k, the highest in the series.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
23-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 296 days late
2022
31-12
Financial
Equity above €500kEq €545k ▲88%
5 profitable years in a row build equity to €545k.
2021
31-12
Financial
Equity above €200kEq €290k ▲84.1%
4 profitable years in a row build equity to €290k.
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €150kEq €158k ▲82.2%
3 profitable years in a row build equity to €158k.
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
10-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Herentals · 1 establishment unit since 2008
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.
Hannekenshoek(HRT) 152200 HerentalsGround area
1,204 m²
Building footprint
172 m²
Volume, LiDAR
981 m³
Parcel 13302D0659/02A000, Flanders · tallest building 6.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Hannekenshoek(HRT) 15, 2200 Herentals
since 20082.175.155.813
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13302D0659/02A000 | Flanders | 1,204 m² | 1 · 172 m² | 6.3 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 · 9 entries · 34,456 EUR awarded · 34,176 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 7,587 EUR | 7,307 EUR |
| 2024 | 3 | -10,437 EUR | 11,063 EUR |
| 2023 | 3 | 11,655 EUR | 15,155 EUR |
| 2022 | 2 | 25,651 EUR | 651 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Kmo-groeisubsidie: steun voor groeitrajecten bij kmo's (stopgezet)
Subsidies voor internationaal ondernemen
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 7,417 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-12-2008
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.