ProPhil Consulting
ActiveProPhil Consulting has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €98k and a net result of €42k. Equity is growing by ~111.2% per year across the filed fiscal years. Its solvency ranks better than 86% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+39
Growth78=
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 7.88 against 1.51 in 2024; short-term debt: 12.2% and cash: 87.5% of total assets), and 12.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
87.8%
Return on assets
37.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-08-2026, 22 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 · 4 filingsDeviation from the deadline
2025
22 d late
2024
26 d late
2023
42 d early
2022
1 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€98k▲ 73.7%
2024 · €56k
2022: €-1k
2023: €11k
2024: €56k
2022 → 2025
Total assets
€111k▼ 29.7%
2024 · €159k
2022: €295
2023: €13k
2024: €159k
2022 → 2025
Net result
€42k▼ 8.8%
2024 · €46k
2022: €-6k
2023: €12k
2024: €46k
2022 → 2025
Working capital
€93k▲ 79.0%
2024 · €52k
2022: €-1k
2023: €10k
2024: €52k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€-1k-€11k€56k▲ 423%€98k▲ 73.7%
Operating result€-6k-€14k€57k▲ 308%€52k▼ 9.5%
Net result€-6k-€12k€46k▲ 276%€42k▼ 8.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €111k
Fixed assets
€5k▲ 9.0%
Current assets
€107k▼ 30.8%
Equity and liabilities €111k
Equity
€98k▲ 73.7%
Debt
€14k▼ 86.7%
The debt ratio falls from 64.5% to 12.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€53k▼
2024 · €58k
Cash flow
€43k▼
2024 · €46k
Solvency
87.8%▲
2024 · 35.5%
Current ratio
7.88▲
2024 · 1.51
Quick ratio
7.88▲
2024 · 1.51
Debt / equity
0.14▼
2024 · 1.81
ROE
42.4%▼
2024 · 80.9%
ROA
37.3%▲
2024 · 28.7%
Interest coverage
423.79▼
2024 · 462.41
Debt
€14k▼
2024 · €102k
Debt ≤ 1 year
€14k▼
2024 · €102k
Income taxes
€11k▼
2024 · €12k
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€159k€111k▼
Fixed assets21/28€4k€5k▲
Tangible fixed assets22/27€4k€3k▼
Furniture and vehicles24€4k€3k▼
Financial fixed assets28-€2k
Current assets29/58€154k€107k▼
Amounts receivable after more than one year29€9k-
Trade receivables290€9k-
Amounts receivable within one year40/41€102k€9k▼
Trade receivables40€93k-
Other amounts receivable41€10k€9k▼
Cash at bank and in hand54/58€43k€97k▲
Deferred charges and accrued income490/1€416€765▲
Equity and liabilities
Total equity and liabilities10/49€159k€111k▼
Equity10/15€56k€98k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€51k€93k▲
Amounts payable17/49€102k€14k▼
Amounts payable within one year42/48€102k€14k▼
Trade debts44€93k€266▼
Suppliers440/4€93k€266▼
Taxes, remuneration and social security45€9k€9k▲
Taxes450/3€9k€9k▲
Other amounts payable47/48€907€4k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€501€1k▲
Other operating charges640/8€387€400▲
Gross operating margin9900€58k€53k▼
Operating profit (loss)9901€57k€52k▼
Financial income75/76B€180€768▲
Recurring financial income75€180€768▲
Financial charges65/66B€125€125=
Recurring financial charges65€125€125=
Profit (loss) for the period before taxes9903€57k€52k▼
Income taxes67/77€12k€11k▼
Profit (loss) for the period9904€46k€42k▼
Profit (loss) for the period to be appropriated9905€46k€42k▼
Appropriation of the result
Profit (loss) to be appropriated9906€51k€93k▲
Profit (loss) brought forward from the previous period14P€6k€51k▲
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
22-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 22 days late
2025
31-12
Financial
Liquidity times 5current ratio 7.88
Current ratio from 1.51 to 7.88; short-term debt falls from €102k to €14k.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Highest result since 2022net €46k ▲276%
Operating result €57k, net result €46k, both a record.
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
31-12
Financial
Liquidity times 29current ratio 5.21
Current ratio from 0.18 to 5.21.
30-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Sint-Agatha-Berchem · 1 establishment unit since 2021
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.
Molenveldsteeg 81082 Sint-Agatha-BerchemGround area
3,670 m²
Building footprint
454 m²
Volume, LiDAR
5,833 m³
Parcel 21342B0127/00F002, Brussels · tallest building 16.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
ProPhil Consulting
since 20212.314.327.948
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21342B0127/00F002 | Brussels | 3,670 m² | 1 · 454 m² | 16.1 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
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BERNARD MASSINON CONSULTANCE ET GESTION
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JS CONSULTING
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Twaalfendertig
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 40,572 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-02-2021
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.