PHEROUSA
ActiveSummary
The computed 12-month bankruptcy probability of PHEROUSA is 1.7% (moderate). The annual accounts of PHEROUSA for fiscal year 2025 show a net loss of 232% of total assets and of 94% of the equity at the start of that year. The 2025 annual accounts show equity of €587 and a net result of €-9k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 18% of 17043 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
35
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-43
Solvency40▼-59
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
balance sheet total too small for a liquidity verdict.
Credit advice for your own amount and term
Signals
Eight 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 62
Relative position
BE, all sectors
reference
Sector 62
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Age of the figures
Age of the figures
9 mo
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
202122232425
2020 to 2025 · latest year €-9k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 17043 sector peers (2025).
NBB · sector comparisonPosition among 17043 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 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 · 6 filingsDeviation from the deadline
2025
11 d late
2024
28 d early
2023
27 d late
2022
92 d late
2021
486 d late
2020
31 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-9k▼ 1,109%
2024 · €-772
2020: €-7k
2021: €3k
2022: €13k
2023: €-640
2024: €-772
2020 → 2025
Working capital
€-524
2024 · €7k
2020: €-4k
2021: €-3k
2022: €8k
2023: €703
2024: €7k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-2k-€11k€11k▼ 5.6%€10k▼ 7.2%€587▼ 94.1%
Operating result€4k-€17k▲ 356%€517▼ 96.9%€2k▲ 322%€-9k
Net result€3k-€13k▲ 291%€-640€-772▼ 20.8%€-9k▼ 1,109%
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €9k after €2k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4k
Fixed assets
€1k ▼ 62.2%
Current assets
€3k ▼ 72.3%
Equity and liabilities €4k
Equity
€587 ▼ 94.1%
Debt
€3k ▼ 2.4%
Debt's share of the balance-sheet total rises from 26.2% to 85.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-7k▼
2024 · €9k
Cash flow
€-8k▼
2024 · €6k
Interest coverage
-35.26▼
2024 · 3.81
Debt ≤ 1 year
€3k▼
2024 · €4k
Ratios withheld: a balance sheet total of €4k is too small for a meaningful ratio.
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 · 34 lines
Balance sheet
Code20242025
Assets
Total assets20/58€13k€4k▼
Fixed assets21/28€3k€1k▼
Tangible fixed assets22/27€3k€1k▼
Furniture and vehicles24€2k€742▼
Other tangible fixed assets26€1k€369▼
Current assets29/58€10k€3k▼
Amounts receivable within one year40/41€5k€2k▼
Trade receivables40€2k€2k▼
Other amounts receivable41€2k€324▼
Cash at bank and in hand54/58€4k€778▼
Deferred charges and accrued income490/1€1k-
Equity and liabilities
Total equity and liabilities10/49€13k€4k▼
Equity10/15€10k€587▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€8k€-1k▼
Amounts payable17/49€4k€3k▼
Amounts payable within one year42/48€4k€3k▼
Trade debts44€31€374▲
Suppliers440/4€31€374▲
Taxes, remuneration and social security45€357-
Taxes450/3€357-
Other amounts payable47/48€3k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€2k▼
Other operating charges640/8€4k-
Gross operating margin9900€13k€-7k▼
Operating profit (loss)9901€2k€-9k▼
Financial charges65/66B€2k€207▼
Recurring financial charges65€2k€207▼
Profit (loss) for the period before taxes9903€-156€-9k▼
Income taxes67/77€616-
Profit (loss) for the period9904€-772€-9k▼
Profit (loss) for the period to be appropriated9905€-772€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€8k€-1k▼
Profit (loss) brought forward from the previous period14P€9k€8k▼
The notes to these accounts (4 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
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 11 days late
2025
31-12
Financial
Weakest financial yearnet €-9k
Net result drops to €-9k, the lowest in the series.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Liquidity triplescurrent ratio 2.99
Current ratio from 1.05 to 2.99; short-term debt falls from €13k to €4k.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 27 days late
2023
29-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 486 days late
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 92 days late
2022
31-12
Financial
Highest result since 2020net €13k ▲291%
Operating result €17k, net result €13k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 1.87
Current ratio from 0.62 to 1.87.
2021
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
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, Schaarbeek · 2 establishment units since 2020
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.
François-Joseph Navezstraat 301030 SchaarbeekGround area
2,426 m²
Building footprint
1,575 m²
Volume, LiDAR
8,799 m³
2 parcels, Brussels · tallest building 15.1 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
PHEROUSA
since 20202.300.531.578
Haachtsesteenweg 967, 1030 Schaarbeek
since 20232.349.671.184
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21903B0276/00B011 | Brussels | 2,300 m² | 1 · 1,469 m² | 10.6 m · 1 fl. |
| 21910E0099/02H005 | Brussels | 126 m² | 1 · 107 m² | 15.1 m · 4 fl. |
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.
Similar companies · same sector, comparable size
PLATINUM EUROPE
BE 0469.449.811
Sint-Genesius-Rode · Eq €587
INTAKE.NOW
BE 1021.961.514
Kampenhout · Eq €584
ZENASNI CONSULTING
BE 0882.460.666
Genk · Eq €582
SW Tech
BE 1026.440.340
Diest · Eq €580
Iris Devlieger Consultancy
BE 0789.894.556
Maldegem · Eq €580
Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 1,310 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
Founded01-03-2020
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
47783Retail trade
96210Hairdressing and barber services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:hamza.kursun@gmail.com
Phone:0484561801