Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of PM PHH is 3.5% (moderate). The 2025 annual accounts show equity of €56k and a net result of €4k. Its solvency ranks better than 45% of 1406 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone3.5%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate region
+Higher-failure-rate sector
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
1 signal · with evidenceConsistently profitable
Positive net result in the two most recent financial years (2024 and 2025).
View the result trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Trust signals
3 signalsMore 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.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags
0 events
No administrative flags
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€4k-87.0%
Working capital€-84k+27.3%
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 24-02-2026 with the NBB · fiscal year 2025 · micro
Sector comparison
Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 18.7% | 23.7% | |
| Net result | €4k | €8k | |
| Equity | €56k | €26k | |
| Gross operating margin | €193k | €36k | |
| Staff costs | €135k | €42k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€48k
-21.5%
far above sector median
€4k
-87.0%
+30% vs sector
€29k
-38.8%
far above sector median
€301k
-4.7%
far above sector median
€56k
+6.8%
+253% vs sector
€-84k
+27.3%
far below sector median
6
+45.0%
+93% vs sector
€135k
+58.2%
+168% vs sector
€3k
-44.2%
+49% vs sector
€244k
-7.0%
far above sector median
€244k
-7.0%
far above sector median
0.65
+17.2%
-49% vs sector
0.26
+47.0%
-70% vs sector
18.7%
+12.1%
-30% vs sector
4.34
-13.0%
+39% vs sector
6.4%
-87.9%
-44% vs sector
1.2%
-86.4%
-79% vs sector
2.82
-58.9%
+5% vs sector
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Revenue | - |
| EBITDA | €48k |
| Net profit | €4k |
| Cash flow | €29k |
| Staff costs | €135k |
| Income taxes | €3k |
| Dividends | - |
| Total assets | €301k |
| Equity | €56k |
| Debt | €244k |
| of which ≤ 1y | €244k |
| of which > 1y | - |
| Working capital | €-84k |
| Employees (FTE) | 5.8 |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 0.65 |
| Quick ratio | 0.26 |
| Working capital ratio | -28.1% |
| Solvency | 18.7% |
| Debt / equity | 4.34 |
| Long-term debt ratio | - |
| Interest coverage | 2.82 |
| Gross margin | - |
| Net margin | - |
| ROA | 1.2% |
| ROE | 6.4% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €301k |
| Fixed assets | 21/28 | €141k |
| Intangible fixed assets | 21 | €16k |
| Tangible fixed assets | 22/27 | €97k |
| Financial fixed assets | 28 | €27k |
| Current assets | 29/58 | €160k |
| Stocks & contracts in progress | 3 | €98k |
| Amounts receivable within one year | 40/41 | €26k |
| Cash & bank | 54/58 | €31k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €301k |
| Equity | 10/15 | €56k |
| Contributions / capital | 10/11 | €25k |
| Accumulated profits (losses) | 14 | €31k |
| Amounts payable | 17/49 | €244k |
| Amounts payable within one year | 42/48 | €244k |
| Trade debts payable within one year | 44 | €198k |
| Income statement | ||
| Gross operating margin | 9900 | €193k |
| Operating result | 9901 | €23k |
| Financial income | 75 | €662 |
| Financial charges | 65 | €17k |
| Result before taxes | 9903 | €7k |
| Income taxes | 67/77 | €3k |
| Net result for the period | 9904 | €4k |
| Result to be appropriated | 9905 | €4k |
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan.
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Ratios computed by Checked.
Health barometer
FY 2025 · computed31
/ 100
Weak
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Structure & network
Locations & real estate
Establishment units
1 locationProxy Delhaize
since 20232.353.024.218
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area812 m²
Buildings1
Building footprint741 m²
Volume (LiDAR)8,619 m³
Tallest building16.0 m · ±4 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21904B0423/00N006 | Brussels | 812 m² | 1 · 741 m² | 16.0 m · 4 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Analysis
Snowflake analysis
financial profile on 5 axes45
/ 100
Mixed profile: strong on stability, weaker on solvency.
Health
31
Profitability
32
Solvency
16
Growth
52
Stability
94
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Credit advice
verdict per customer and amountSimilar
Similar companies
Same sector, ranked by comparable sizeCompany registry
Company registry (CBE)
Crossroads BankActivities
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Primary activity highlighted.
Names & trade names
| Legal nameFR | PM PHH |
Registered office
Leuvensesteenweg 545
1030 Schaarbeek, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.