PHV-Agency
ActiveSummary
PHV-Agency has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €339k and a net result of €1k. Equity is growing by ~14.5% per year across the filed fiscal years. Its solvency ranks better than 72% of 8001 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability62▼-20
Solvency92▼-4
Growth52=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 2.83 against 3.29 in 2024; short-term debt: 33.3% and cash: 22.6% of total assets), and 33.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
66.5%
Return on assets
0.3%
Age of the figures
12 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 17-04-2026, 13 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
13 d early
2024
37 d early
2023
18 d early
2022
6 d early
2021
4 d early
2020
1 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€339k▲ 0.4%
2024 · €338k
2021: €116k
2022: €263k
2023: €317k
2024: €338k
2021 → 2025
Total assets
€509k▲ 7.5%
2024 · €474k
2021: €268k
2022: €386k
2023: €390k
2024: €474k
2021 → 2025
Net result
€1k▼ 97.4%
2024 · €50k
2021: €93k
2022: €146k
2023: €55k
2024: €50k
2021 → 2025
Working capital
€311k▼ 0.1%
2024 · €312k
2021: €118k
2022: €255k
2023: €300k
2024: €312k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€116k-€263k▲ 126%€317k▲ 20.9%€338k▲ 6.3%€339k▲ 0.4%
Operating result€112k-€194k▲ 73.0%€74k▼ 61.7%€61k▼ 17.5%€4k▼ 93.8%
Net result€93k-€146k▲ 56.8%€55k▼ 62.6%€50k▼ 8.6%€1k▼ 97.4%
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 three years in a row; 2025 is 94% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €509k
Fixed assets
€28k ▲ 9.1%
Current assets
€481k ▲ 7.4%
Equity and liabilities €509k
Equity
€339k ▲ 0.4%
Debt
€170k ▲ 25.2%
Debt's share of the balance-sheet total rises from 28.7% to 33.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€8k▼
2024 · €65k
Cash flow
€6k▼
2024 · €54k
Current ratio
2.83▼
2024 · 3.29
Debt to equity
0.50▲
2024 · 0.40
ROE
0.4%▼
2024 · 14.8%
ROA
0.3%▼
2024 · 10.6%
Interest coverage
5.13▼
2024 · 51.42
Debt ≤ 1 year
€170k▲
2024 · €136k
Income taxes
€4k▼
2024 · €15k
Staff costs
€104k▲
2024 · €69k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€474k€509k▲
Fixed assets21/28€26k€28k▲
Tangible fixed assets22/27€25k€27k▲
Plant, machinery and equipment23€25k€24k▼
Furniture and vehicles24-€3k
Financial fixed assets28€955€820▼
Current assets29/58€448k€481k▲
Amounts receivable within one year40/41€334k€359k▲
Trade receivables40€231k€281k▲
Other amounts receivable41€103k€78k▼
Cash at bank and in hand54/58€106k€115k▲
Deferred charges and accrued income490/1€8k€8k▼
Equity and liabilities
Total equity and liabilities10/49€474k€509k▲
Equity10/15€338k€339k▲
Contributions10/11€12k€12k=
Reserves13€326k€326k=
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Distributable reserves133€325k€325k=
Profit (loss) carried forward14€0€1k▲
Amounts payable17/49€136k€170k▲
Amounts payable within one year42/48€136k€170k▲
Current portion of amounts payable after more than one year42€8k€7k▼
Financial debts43€3k€0▼
Credit institutions430/8€3k€0▼
Trade debts44€86k€134k▲
Suppliers440/4€86k€134k▲
Taxes, remuneration and social security45€9k€18k▲
Taxes450/3€23€4k▲
Remuneration and social security454/9€9k€13k▲
Other amounts payable47/48€30k€11k▼
Accrued charges and deferred income492/3-€610
Income statement
Code20242025
Remuneration, social security and pensions62€69k€104k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€5k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€7k€1k▼
Non-recurring operating charges66A€0€5k▲
Gross operating margin9900€141k€119k▼
Operating profit (loss)9901€61k€4k▼
Financial income75/76B€5k€3k▼
Recurring financial income75€5k€3k▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€65k€6k▼
Income taxes67/77€15k€4k▼
Profit (loss) for the period9904€50k€1k▼
Profit (loss) for the period to be appropriated9905€50k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€251k€1k▼
Profit (loss) brought forward from the previous period14P€201k€0▼
Transfer to equity691/2€221k€0▼
To other reserves6921€221k€0▼
Profit to be distributed694/7€30k€0▼
Return on contributions (dividend)694€30k€0▼
Social balance
Average headcount (FTE)90870.01.8▲
The notes to these accounts (17 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
17-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Weakest financial yearnet €1k ▼97.4%
Net result drops to €1k, the lowest in the series.
24-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
12-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
24-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Highest result since 2021net €146k ▲56.8%
Operating result €194k, net result €146k, both a record.
30-09
Financial
Equity above €200kEq €263k ▲126%
2 profitable years in a row build equity to €263k.
26-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · 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, Antwerpen · 1 establishment unit since 2020
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.
Generaal Belliardstraat 21-232000 AntwerpenGround area
594 m²
Building footprint
594 m²
Volume, LiDAR
6,775 m³
Parcel 11802B0163/00F000, Flanders · tallest building 17.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
PHV-Agency
since 20202.300.465.361
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11802B0163/00F000 | Flanders | 593 m² | 1 · 593 m² | 17.3 m · 4 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.
Similar companies · same sector, comparable size
Beaumont & Cie
BE 0465.844.676
Schilde · Eq €339,271
RITS AGENCY
BE 0415.052.013
Sint-Pieters-Woluwe · Eq €340,928
DYCO
BE 0436.181.482
Grimbergen · Eq €332,725
GUY MYLENE FASHION AGENCY
BE 0741.782.259
Sprimont · Eq €332,243
LINEATRADE
BE 0473.805.210
Schilde · Eq €331,985
Of 1,275 companies in sector 46160 we hold annual accounts for 685. 449 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-03-2020
Fiscal year end30-09
Activities, NACEBEL 2025
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
46423Wholesale of clothing, excluding workwear and underwear
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.