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Complete company report
Generated 14-08-2026
Active BE 0801.281.663General partnership

PHY & Associés

Ligneuville-Grand Rue 32 ·4960 Malmedy, Belgium· 3 yrs active
Sector: Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen (47110)
Conclusion Checked

The computed 12-month bankruptcy probability of PHY & Associés is 0.8% (low). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.

Based on State Gazette and CBE data.
Key figures
Active 3 yrs
Locations 1
Publications 1
Bankruptcy probability (12 mo) Checked model v1 · free
0.8% Low
0%0,5%1,5%4%10%≥25%
Lower-risk legal form −Young company +Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financial overview
No annual accounts filed
We find no annual accounts filed with the National Bank for this company. Not every legal form has to file: sole traders, small non-profits and dormant companies generally publish no figures. If the company files later, the figures appear here automatically.
Directors & mandates 1 directors
Former directors (1)
  • SINGH Ram
    Manager
    State Gazette act 25046351 (08-04-2025)
    Former
    - → 08-04-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen(47110)
Legal form General partnership(011)
Incorporation28-04-2023
StatusActive
Postal code4960
Establishment units 1 location
PHY & Associés
Ligneuville-Grand Rue 32, 4960 MalmedyDetailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 100 m² en minder dan 400 m²)
since 20232.351.737.977
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Updates 1 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
08-04-2025
State Gazette act Director changes
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 1 year ago
2025
08-04-2025 SINGH Ram resigns as manager Director changes
  • SINGH Ram, Zaakvoerder
Firm: PHY & Associés
Technical details 
{
  "events": [
    {
      "kind": "decharge_granted",
      "role": "gerant",
      "person": {
        "rrn": null,
        "name": "SINGH Ram",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "Elle lui accorde d\u00E9charge pleine et enti\u00E8re pour l\u0027exercice de son mandat.",
      "decharge_status": "granted",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "rep_rotation",
      "role": "gerant",
      "person": {
        "rrn": null,
        "name": "AJAZ Farkhandah",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": false,
      "effective_date": null,
      "evidence_quote": "A l\u0027unanimit\u00E9, l\u0027Assembl\u00E9e G\u00E9n\u00E9rale d\u00E9cide de nommer Madame AJAZ Farkhandah en qualit\u00E9 de g\u00E9rante avec effet imm\u00E9diat et pour une dur\u00E9e ind\u00E9termin\u00E9e.",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
        "value": null
      },
      "rep_rotation_new_rep": "AJAZ Farkhandah",
      "rep_rotation_old_rep": "SINGH Ram",
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "director_out",
      "role": "gerant",
      "person": {
        "rrn": null,
        "name": "SINGH Ram",
        "address": null,
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        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "A l\u0027unanimit\u00E9, l\u0027Assembl\u00E9e G\u00E9n\u00E9rale acte la d\u00E9mission de Monsieur SINGH Ram de ses fonctions de g\u00E9rant avec effet imm\u00E9diat.",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": "PHY \u0026 Associ\u00E9s",
    "office_city": "Li\u00E8ge",
    "is_associated": true
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2025-04-08",
    "filing_date": "2025-03-25",
    "act_kind_objet": "Oblet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2024-12-04",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0801.281.663",
    "name_full": null,
    "legal_form": "SOCIETE EN NOM COLLECTIF",
    "_kbo_filled_from_list": true
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "AJAZ Farkhandah",
    "org_rep_person_name": null,
    "person_role_at_subject": "G\u00E9rante"
  },
  "co_filed_documents": [
    "PV et convention de cession de parts"
  ],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte < 100 m²)47112Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 100 m² en minder dan 400 m²)47113
Primary activity highlighted.
Names & trade names
Legal nameFR PHY & Associés
Registered office
Ligneuville-Grand Rue 32
4960 Malmedy, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative