PELZER Philippe
ActiveSummary
PELZER Philippe has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €322k and a net result of €114k. Equity is growing by ~55.4% per year across the filed fiscal years. Its solvency ranks better than 83% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very 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=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 5.94 against 3.92 in 2024; short-term debt: 14.6% and cash: 32.5% of total assets), and 14.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
85.4%
Return on assets
30.2%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 16-03-2026, 45 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
45 d early
2024
44 d early
2023
49 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€322k▲ 54.2%
2024 · €209k
2023: €91k
2024: €209k
2023 → 2025
Total assets
€378k▲ 40.1%
2024 · €269k
2023: €135k
2024: €269k
2023 → 2025
Net result
€114k▼ 4.4%
2024 · €119k
2023: €88k
2024: €119k
2023 → 2025
Working capital
€273k▲ 54.7%
2024 · €176k
2023: €49k
2024: €176k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€91k-€209k▲ 131%€322k▲ 54.2%
Operating result€124k-€170k▲ 37.5%€157k▼ 7.6%
Net result€88k-€119k▲ 36.3%€114k▼ 4.4%
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 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €378k
Fixed assets
€49k ▲ 51.2%
Current assets
€328k ▲ 38.6%
Equity and liabilities €378k
Equity
€322k ▲ 54.2%
Debt
€55k ▼ 8.6%
Debt's share of the balance-sheet total falls from 22.4% to 14.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€161k▼
2024 · €179k
Cash flow
€118k▼
2024 · €128k
Current ratio
5.94▲
2024 · 3.92
Debt to equity
0.17▼
2024 · 0.29
ROE
35.4%▼
2024 · 57.1%
ROA
30.2%▼
2024 · 44.3%
Interest coverage
1792.18▼
2024 · 2658.21
Debt ≤ 1 year
€55k▼
2024 · €60k
Income taxes
€48k▼
2024 · €51k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€269k€378k▲
Fixed assets21/28€33k€49k▲
Tangible fixed assets22/27€32k€49k▲
Furniture and vehicles24€32k€49k▲
Financial fixed assets28€250€0▼
Current assets29/58€237k€328k▲
Amounts receivable within one year40/41€9k€5k▼
Other amounts receivable41€9k€5k▼
Current investments50/53€150k€200k▲
Cash at bank and in hand54/58€77k€123k▲
Deferred charges and accrued income490/1€577€964▲
Equity and liabilities
Total equity and liabilities10/49€269k€378k▲
Equity10/15€209k€322k▲
Contributions10/11€3k€3k=
Reserves13€206k€319k▲
Distributable reserves133€206k€319k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€60k€55k▼
Amounts payable within one year42/48€60k€55k▼
Trade debts44€0€5▲
Suppliers440/4€0€5▲
Taxes, remuneration and social security45€60k€54k▼
Taxes450/3€60k€54k▼
Other amounts payable47/48€833€859▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€4k▼
Other operating charges640/8€1k€257▼
Non-recurring operating charges66A-€5k
Gross operating margin9900€181k€166k▼
Operating profit (loss)9901€170k€157k▼
Financial income75/76B€481€5k▲
Recurring financial income75€481€5k▲
Financial charges65/66B€68€90▲
Recurring financial charges65€68€90▲
Profit (loss) for the period before taxes9903€171k€162k▼
Income taxes67/77€51k€48k▼
Profit (loss) for the period9904€119k€114k▼
Profit (loss) for the period to be appropriated9905€119k€114k▼
Appropriation of the result
Profit (loss) to be appropriated9906€119k€114k▼
Transfer to equity691/2€118k€113k▼
To other reserves6921€118k€113k▼
Profit to be distributed694/7€833€859▲
Return on contributions (dividend)694€833€859▲
The notes to these accounts (16 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
16-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2023net €119k ▲36.3%
Operating result €170k, net result €119k, both a record.
30-09
Financial
Equity above €200kEq €209k ▲131%
2 profitable years in a row build equity to €209k.
12-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Plombières · 1 establishment unit since 2022
Ground area
346 m²
Building footprint
171 m²
Volume, LiDAR
1,300 m³
Parcel 63037A0523/00D000, Wallonia · tallest building 9.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PELZER Philippe
since 20222.338.357.026
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63037A0523/00D000 | Wallonia | 346 m² | 1 · 171 m² | 9.2 m · 3 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.
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 37,713 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-11-2022
Fiscal year end30-09
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.