Pham Fatale
ActivePham Fatale has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €57k and a net result of €33k. Equity is growing by ~54.2% per year across the filed fiscal years. Its solvency ranks better than 81% of 6967 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
93
/ 100
Excellent▲ +2 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+10
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 5.12 against 1.78 in 2024), and 16.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
83.4%
Return on assets
49.1%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-07-2026, 9 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
9 d early
2024
7 d early
2023
8 d early
2022
7 d early
2021
9 d early
2020
10 d early
2019
89 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€57k▲ 48.0%
2024 · €38k
2018: €3k
2019: €4k
2020: €7k
2021: €27k
2022: €44k
2023: €58k
2024: €38k
2018 → 2025
Total assets
€68k▼ 11.6%
2024 · €77k
2018: €11k
2019: €16k
2020: €23k
2021: €72k
2022: €87k
2023: €80k
2024: €77k
2018 → 2025
Net result
€33k▼ 13.8%
2024 · €39k
2018: €-2k
2019: €626
2020: €3k
2021: €22k
2022: €22k
2023: €957
2024: €39k
2018 → 2025
Working capital
€46k▲ 76.2%
2024 · €26k
2018: €3k
2019: €4k
2020: €7k
2021: €17k
2022: €33k
2023: €48k
2024: €26k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€27k-€44k▲ 60.9%€58k▲ 30.2%€38k▼ 33.5%€57k▲ 48.0%
Operating result€30k-€28k▼ 5.5%€3k▼ 88.7%€46k▲ 1,350%€49k▲ 5.9%
Net result€22k-€22k▼ 0.5%€957▼ 95.6%€39k▲ 3,947%€33k▼ 13.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 6% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €68k
Fixed assets
€10k▼ 38.0%
Current assets
€58k▼ 4.4%
Equity and liabilities €68k
Equity
€57k▲ 48.0%
Debt
€11k▼ 70.8%
The debt ratio falls from 50.2% to 16.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€57k▲
2024 · €55k
Cash flow
€42k▼
2024 · €48k
Solvency
83.4%▲
2024 · 49.8%
Current ratio
5.12▲
2024 · 1.78
Quick ratio
5.12▲
2024 · 1.78
Debt / equity
0.20▼
2024 · 1.01
ROE
58.9%▼
2024 · 101.1%
ROA
49.1%▼
2024 · 50.4%
Interest coverage
197.56▲
2024 · 164.44
Debt
€11k▼
2024 · €39k
Debt ≤ 1 year
€11k▼
2024 · €34k
Income taxes
€15k▲
2024 · €7k
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€77k€68k▼
Fixed assets21/28€16k€10k▼
Tangible fixed assets22/27€16k€10k▼
Plant, machinery and equipment23€327-
Furniture and vehicles24€16k€10k▼
Current assets29/58€60k€58k▼
Amounts receivable within one year40/41€23k€15k▼
Trade receivables40€23k€15k▼
Cash at bank and in hand54/58€37k€42k▲
Deferred charges and accrued income490/1€395€370▼
Equity and liabilities
Total equity and liabilities10/49€77k€68k▼
Equity10/15€38k€57k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€20k€38k▲
Amounts payable17/49€39k€11k▼
Amounts payable after more than one year17€5k-
Financial debts170/4€5k-
Amounts payable within one year42/48€34k€11k▼
Current portion of amounts payable after more than one year42€7k-
Trade debts44€315€418▲
Suppliers440/4€315€418▲
Taxes, remuneration and social security45€10k€9k▼
Taxes450/3€10k€9k▼
Other amounts payable47/48€17k€2k▼
Income statement
Code20242025
Non-recurring operating income76A€264-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€8k▼
Other operating charges640/8€2k€1k▼
Non-recurring operating charges66A-€1k
Gross operating margin9900€57k€60k▲
Operating profit (loss)9901€46k€49k▲
Financial income75/76B€4€0▼
Recurring financial income75€4€0▼
Financial charges65/66B€337€289▼
Recurring financial charges65€337€289▼
Profit (loss) for the period before taxes9903€46k€48k▲
Income taxes67/77€7k€15k▲
Profit (loss) for the period9904€39k€33k▼
Profit (loss) for the period to be appropriated9905€39k€33k▼
Appropriation of the result
Profit (loss) to be appropriated9906€78k€53k▼
Profit (loss) brought forward from the previous period14P€39k€20k▼
Profit to be distributed694/7€58k€15k▼
Return on contributions (dividend)694€41k€15k▼
Directors or managers695€17k-
The notes to these accounts (10 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity triplescurrent ratio 5.12
Current ratio from 1.78 to 5.12; short-term debt falls from €34k to €11k.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €39k ▲3947%
Net result €39k, the highest in the series.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 5.43
Current ratio from 2.31 to 5.43; short-term debt falls from €25k to €11k.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 89 days late
2019
31-12
Financial
Back to profitnet €626
Net result €626 after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Gent · 1 establishment unit since 2016
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.
Leo Tertzweillaan 669050 GentGround area
952 m²
Building footprint
287 m²
Volume, LiDAR
818 m³
2 parcels, Flanders · tallest building 11.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Pham Fatale
since 20162.257.754.677
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41009B0404/00T006 | Flanders | 810 m² | 1 · 200 m² | 11.1 m · 1 fl. |
| 44362B0297/00E006 | Flanders | 142 m² | 1 · 87 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 9,807 companies in sector 73110 we hold annual accounts for 3,724. 3,001 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-10-2016
Fiscal year end31-12
Activities, NACEBEL
73110Advertising agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:tuyen_px@msn.com