MY PHONE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €14k and a net result of €9k. Its solvency ranks better than 42% of 2413 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2024, under 3 years, statistically higher risk.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 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 · 1 filingDeviation from the deadline
2025
7 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€14k
Net result
€9k
Total assets
€34k
Solvency
41.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €34k
Fixed assets
€100
Current assets
€34k
Equity and liabilities €34k
Equity
€14k
Debt
€20k
Debt finances 58.5% of the balance-sheet total.
Key figures and ratios
Solvency
41.5%
ROE
64.7%
ROA
26.8%
Debt
€20k
Debt ≤ 1 year
€20k
Income taxes
€2k
Staff costs
€32k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€34k
Fixed assets21/28€100
Financial fixed assets28€100
Current assets29/58€34k
Stocks and contracts in progress3€15k
Stocks30/36€15k
Amounts receivable within one year40/41€941
Trade receivables40€941
Cash at bank and in hand54/58€18k
Equity and liabilities
Total equity and liabilities10/49€34k
Equity10/15€14k
Contributions10/11€5k
Profit (loss) carried forward14€9k
Amounts payable17/49€20k
Amounts payable within one year42/48€20k
Taxes, remuneration and social security45€18k
Taxes450/3€7k
Remuneration and social security454/9€11k
Other amounts payable47/48€2k
Income statement
Code2025
Turnover70€309k
Goods, raw materials, services and sundry goods60/61€265k
Remuneration, social security and pensions62€32k
Other operating charges640/8€51
Gross operating margin9900€43k
Operating profit (loss)9901€12k
Financial charges65/66B€201
Recurring financial charges65€201
Profit (loss) for the period before taxes9903€11k
Income taxes67/77€2k
Profit (loss) for the period9904€9k
Profit (loss) for the period to be appropriated9905€9k
Appropriation of the result
Profit (loss) to be appropriated9906€9k
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 7 days late
NBB filing
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, Sint-Jans-Molenbeek
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.
Gentsesteenweg 3781080 Sint-Jans-MolenbeekGround area
144 m²
Building footprint
146 m²
Volume, LiDAR
1,737 m³
Parcel 21526D0268/00W004, Brussels · tallest building 19.9 m, ±5 floors. Linked by address, not a title deed.
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21526D0268/00W004 | Brussels | 144 m² | 1 · 146 m² | 19.9 m · 5 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
Personal Finance Planners
BE 0759.991.436
Asse · Eq €14k
USTEROM
BE 0758.927.208
Hoeilaart · Eq €14k
Chohan Management
BE 1011.837.088
Antwerpen · Eq €14k
AXIS TRANSACTIONAL SERVICES
BE 0775.674.653
Antwerpen · Eq €15k
TO Advise
BE 1029.613.230
Assenede · Eq €15k
Of 1,510 companies in sector 66199 we hold annual accounts for 918. 368 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-07-2024
Fiscal year end31-12
Activities, NACEBEL
47400Retail sale of information and communication equipment
47420Retail trade
66199Other activities auxiliary to financial services, excluding insurance and pension funding
47540Retail sale of electrical household appliances
95100Repair and maintenance of computers and communication equipment
95120Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.