PHUSYS INTERNATIONAL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €27k and a net result of €13k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 34% of 8013 sector peers (fiscal year 2025). The company has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €27k
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 22-04-2026, 100 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
100 d early
2024
57 d late
2023
57 d early
2022
26 d early
2021
30 d late
2020
55 d late
2019
152 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€27k▲ 90.5%
2024 · €14k
2018: €71k
2019: €41k
2020: €-33k
2021: €-26k
2022: €-14k
2023: €14k
2024: €14k
2018 → 2025
Net result
€13k▲ 2,273%
2024 · €540
2018: €-13k
2019: €-30k
2020: €-74k
2021: €7k
2022: €12k
2023: €28k
2024: €540
2018 → 2025
Total assets
€84k▲ 17.9%
2024 · €72k
2018: €264k
2019: €282k
2020: €220k
2021: €129k
2022: €108k
2023: €168k
2024: €72k
2018 → 2025
Solvency
32.0%▲ 12.2pp
2024 · 19.8%
2018: 26.9%
2019: 14.6%
2020: -15.0%
2021: -20.3%
2022: -13.0%
2023: 8.1%
2024: 19.8%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-26k-€-14k▲ 46.0%€14k€14k▲ 4.0%€27k▲ 90.5%
Operating result€3k-€24k▲ 690%€41k▲ 71.9%€13k▼ 67.8%€14k▲ 4.6%
Net result€7k-€12k▲ 74.2%€28k▲ 131%€540▼ 98.1%€13k▲ 2,273%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 5% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €84k
Fixed assets
€120=
Current assets
€84k▲ 17.9%
Equity and liabilities €84k
Equity
€27k▲ 90.5%
Debt
€57k▼ 0.1%
The debt ratio falls from 80.2% to 68.0%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
32.0%▲
2024 · 19.8%
ROE
47.5%▲
2024 · 3.8%
ROA
15.2%▲
2024 · 0.8%
Debt
€57k▼
2024 · €57k
Debt ≤ 1 year
€57k▼
2024 · €57k
Income taxes
€360▲
2024 · €353
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€72k€84k▲
Fixed assets21/28€120€120=
Financial fixed assets28€120€120=
Current assets29/58€71k€84k▲
Stocks and contracts in progress3€15k€15k=
Stocks30/36€15k€15k=
Amounts receivable within one year40/41€43k€53k▲
Trade receivables40€43k€53k▲
Cash at bank and in hand54/58€554€20▼
Deferred charges and accrued income490/1€13k€16k▲
Equity and liabilities
Total equity and liabilities10/49€72k€84k▲
Equity10/15€14k€27k▲
Contributions10/11€90k€90k=
Profit (loss) carried forward14€-76k€-63k▲
Amounts payable17/49€57k€57k▼
Amounts payable within one year42/48€57k€57k▼
Financial debts43€527€845▲
Credit institutions430/8€527€845▲
Trade debts44€2k€9k▲
Suppliers440/4€2k€9k▲
Taxes, remuneration and social security45€8k€4k▼
Taxes450/3€8k€4k▼
Other amounts payable47/48€47k€44k▼
Income statement
Code20242025
Non-recurring operating income76A€1k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€737-
Other operating charges640/8€1k€2k▲
Gross operating margin9900€15k€15k▲
Operating profit (loss)9901€13k€14k▲
Financial income75/76B€217€91▼
Recurring financial income75€217€91▼
Financial charges65/66B€12k€605▼
Recurring financial charges65€12k€605▼
Profit (loss) for the period before taxes9903€892€13k▲
Income taxes67/77€353€360▲
Profit (loss) for the period9904€540€13k▲
Profit (loss) for the period to be appropriated9905€540€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-76k€-63k▲
Profit (loss) brought forward from the previous period14P€-76k€-76k▲
The notes to these accounts (6 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
22-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
2024
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €28k ▲131%
Operating result €41k, net result €28k, both a record.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Back to profitnet €7k
Net result €7k after 3 loss-making years.
24-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 55 days late
2020
31-12
Financial
Weakest financial yearnet €-74k
Net result drops to €-74k, the lowest in the series; recovery starts the following year.
30-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 152 days late
2019
13-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Oostende · 1 establishment unit since 2011
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.
Sint-Catharinapolderstraat 258400 OostendeGround area
219 m²
Building footprint
103 m²
Volume, LiDAR
785 m³
Parcel 35384A0030/00S003, Flanders · tallest building 12.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PHUSYS INTERNATIONAL
since 20112.206.191.952
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35384A0030/00S003 | Flanders | 219 m² | 1 · 103 m² | 12.2 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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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 8,455 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-05-2005
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70100Activities of head offices
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.