Losses
-€24,046 in two years
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
TAVEIRNE PHILIP
Lifetime
20 annual accounts with figures on one time axis, 25 filings since 2001peak €121,243 (2017)
€24,431▲ 75.0%
lowest -€231,021 (2006)
-€6,409▲ €11,229
peak €407,821 (2023)
€383,774▼ 1.6%
€2,258▼ 53.8%
Board3 names since 2001
2 directorsDEBOU Mariette and 1 other
Documentsfilings and deeds
26-08-202626 days late
2025micro format
Gross margin from €13,962 to €24,431Loss of €6,409Debts from €4,890 to €2,258Cash from €2,195 to €8,874
Key points
from the 2025 annual accountsTurnover
≈ €100,000 estimated
The micro format states no turnover.
Liquidity
11.40 was 1.35 in 2024
Short-term debts fell from €4,890 to €2,258.
Filings
25 annual accounts since 2001
Six of the last ten came late. The 2016 accounts came latest: 31 days after the end of the period.
At the same address
10 companies
Position in the sector
99.4%
Higher solvency than 95% of companies in real estate. Sector median 28.9% · 17,185 companies.
Checked score
94
Excellent
Financially stronger than 61% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,625 companies (NACE 68, micro).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.4%
01-2025: 0.1%▼ -0.3 percentage points vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.2%▲ +0.1 percentage points vs 06-2025
08-2025: 0.2%● unchanged vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.5%▲ +0.3 percentage points vs 07-2026highest value
09-2026: 0.1%▼ -0.4 percentage points vs 08-2026lowest value
10-2026: 0.1%● unchanged vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Liquidity: current ratio 11.40, cash €8,874
lowers risk
Equity €383,774 (99.4% of total assets)
Founded in 2001
Size: total assets €386,032
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 91% of them on solvency, 61% on liquidity, 53% on profitability and 40% on growth.
The bankruptcy probability was computed on 07-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 12,322 companies had the same profile as TAVEIRNE PHILIP has now. Each dot stands for 31 companies, two years later.
90.3%
were still trading
8.6%
stopped another way
0.7%
went bankrupt
Another 0.5% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of TAVEIRNE PHILIP itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 12,322 companies, not a prediction for TAVEIRNE PHILIP. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €35,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 11.4 (1.35 in 2024), above the usual 1.5. Short-term debt is 0.6% and cash 2.3% of total assets. 0.6% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€6,409
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
26 days late
2024
24 days early
2023
12 days early
2022
18 days early
2021
22 days late
2020
31 days late
2019
23 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average on the deadline day. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 20 July (4 of the last 5 accounts filed within 33 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0473854304
Changes of role: DEBOU Mariette (director) and TAVERINE Philip (director)
Director discharge: DEBOU Mariette · Director discharge: TAVERINE Philip · Registered office clause: Zeedijk-Het Zoute 831 bus 42 · Gazette deed
2 establishments registered
Knokke-Heist and Ichtegem
Incorporation
published on 15-02-2001 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| TAVEIRNE PHILIP Knokke-Heist | €386,032 | €24,431 | 99.4% | - |
| INVESTERINGEN EN ONDERZOEK VAN LANDBOUW EN NIJVERHEID Destelbergen | €448,704 | €25,225 | 87.6% | - |
| BERGE - TORSIN Zoutleeuw | €326,958 | €23,347 | 62.9% | - |
| ALTHI-INVEST Lummen | €388,496 | €24,102 | 21.6% | 0 |
| COLSON VASTGOED As | €390,523 | €28,950 | 95.6% | - |
| G. DELTOUR Mechelen | €434,143 | €21,074 | 91.3% | - |
| BARDIMMO Sint-Pieters-Leeuw | €396,540 | €31,224 | 20.0% | - |
These companies have the same main activity as TAVEIRNE PHILIP: real estate agency activities (NACE 68310). They are comparable in size and age: total assets between €327,000 and €449,000, founded between 1997 and 2001.
Official details
Source: KBO- Status
- Active since 02-02-2001Normal situation
- Registered office
- 12 active companies are registered at this addressSource: KBO register, as of 8 November 2026.
- Activity
- Real estate agency activitiesNACE 68310and 2 others
- Establishment units
- 2.116.273.9428300 Knokke-Heist, since 18-04-2001
- 2.167.393.7348480 Ichtegem, since 18-04-2001
- Financial year end
- 31 December
- Peppol
- Reachable since 16-10-2025
Insights on TAVEIRNE PHILIP
TAVEIRNE PHILIP files the micro format. That format states no turnover. The gross margin rose from -€22,751 in 2006 to €24,431 in 2025.
The balance sheet grew most in 2009 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about TAVEIRNE PHILIP
- What is the company number of TAVEIRNE PHILIP?
- The company number of TAVEIRNE PHILIP is 0473.854.304. The VAT number is the same number with BE in front: BE 0473.854.304.
- Where is TAVEIRNE PHILIP based?
- The registered office is at Zeedijk-Het Zoute 831, 8300 Knokke-Heist.Company details
- What does TAVEIRNE PHILIP do?
- According to the KBO register, the main activity is real estate agency activities (NACE 68310).
- What is the legal form of TAVEIRNE PHILIP?
- TAVEIRNE PHILIP is a private limited company (BV).
- When was TAVEIRNE PHILIP founded?
- TAVEIRNE PHILIP was founded on 02-02-2001.
- Is TAVEIRNE PHILIP still active?
- Yes, TAVEIRNE PHILIP is an active enterprise in the KBO register.
- What is the turnover of TAVEIRNE PHILIP?
- The turnover in financial year 2025 is ≈ €100,000. This figure is estimated from the gross margin of €24,431 and 37 comparable companies (NACE 68310). It probably lies between €35,000 and €180,000. It is a rough estimate.Financials
- Is TAVEIRNE PHILIP profitable?
- In financial year 2025, TAVEIRNE PHILIP made a loss of €6,409.
- Where can I find the annual accounts of TAVEIRNE PHILIP?
- TAVEIRNE PHILIP filed 25 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of TAVEIRNE PHILIP due?
- TAVEIRNE PHILIP must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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