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Complete company report
Generated 15-08-2026
Active BE 1005.089.749Private limited company

Phil Brands

Vlaamsekaai 69 ·2000 Antwerpen, Belgium· 2 yrs active
Sector: Verwerking van thee en koffie (10830)
Conclusion Checked

The computed 12-month bankruptcy probability of Phil Brands is 4.0% (moderate). The 2025 annual accounts show negative equity (€-22k) and a net result of €-37k. Its solvency ranks better than 20% of 162 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €-22k
Net result €-37k
Better than sector 20%
Active 2 yrs
Snowflake analysis 4 of 5 axes measured · computed by Checked
Health10Profitability100Solvency33Growth-Stability67
52 / 100

Mixed profile: strong on profitability, weaker on health.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 10
Profitability 100
Solvency 33
Growth -
Stability 67
Bankruptcy probability (12 mo) Checked model v1 · free
4.0% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Multiple establishment units +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Young company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2025 · computed
10 / 100 Critical
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview1 NBB filings
Annual accounts filed on 04-03-2026 with the NBB · fiscal year 2025 · micro
Sector comparison
Fiscal year 2025 · NACE 10, Food manufacturing · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -6.1% 23.1%
better than 20% of 162 sector peers
Net result €-37k €9k
better than 11% of 162 sector peers
Equity €-22k €34k
better than 15% of 162 sector peers
Gross operating margin €-22k €75k
better than 5% of 162 sector peers
Total assets €356k €175k
better than 67% of 162 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2025
Depositmicro
Revenue-
EBITDA€-23k
Net profit€-37k
Cash flow€-26k
Staff costs-
Income taxes-
Dividends-
Total assets€356k
Equity€-22k
Debt€377k
of which ≤ 1y€105k
of which > 1y€239k
Working capital€-71k
Employees (FTE)-
Ratios (computed)
2025
Current ratio0.32
Quick ratio0.27
Working capital ratio-20.1%
Solvency-6.1%
Debt / equity-17.45
Long-term debt ratio-11.06
Interest coverage-6.67
Gross margin-
Net margin-
ROA-10.3%
ROE169.4%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€356k
Fixed assets 21/28€322k
Intangible fixed assets 21€3k
Tangible fixed assets 22/27€319k
Financial fixed assets 28€30
Current assets 29/58€34k
Stocks & contracts in progress 3€5k
Amounts receivable within one year 40/41€3k
Cash & bank 54/58€25k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€356k
Equity 10/15€-22k
Contributions / capital 10/11€15k
Accumulated profits (losses) 14€-37k
Amounts payable 17/49€377k
Amounts payable after one year 17€239k
Amounts payable within one year 42/48€105k
Trade debts payable within one year 44€1k
Income statement
Gross operating margin 9900€-22k
Operating result 9901€-33k
Financial income 75€74
Financial charges 65€3k
Result before taxes 9903€-37k
Net result for the period 9904€-37k
Result to be appropriated 9905€-37k
Ratios computed by Checked.
Legal Structure
NACE primary Verwerking van thee en koffie(10830)
Legal form Private limited company(610)
Incorporation23-01-2024
StatusActive
Postal code2000
Establishment units 2 locations
Phil Brands
Vlaamsekaai 69, 2000 AntwerpenGroothandel in koffie, thee, cacao en specerijen
since 20242.354.959.763
De Reep 20, 2970 Schilde
Branden van koffie en verwijderen van cafeïne : vervaardiging van gemalen koffie, van oploskoffie, van extracten en concentraten van koffie
since 20252.370.047.520
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11039D0316/00H000 Flanders 1,323 m² 1 · 157 m² 9.9 m · 2 fl.
11811L4004/00A000 Flanders 142 m² 1 · 142 m² 19.2 m · 6 fl.
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.
Updates 2 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
04-03-2026
NBB filing Annual accounts filed
fiscal year 2025 · micro
2025
05-11-2025
State Gazette act Registered-office change
v3.2
Belgisch Staatsblad, acts 1 acts
Address history · 1
05-11-2025
v3.2
All acts · 1 updated 9 months ago
2025
05-11-2025 Registered office moved within Antwerpen Registered-office change
  • Generaal Drubbelstraat 19, 2600 Antwerpen → Vlaamse Kaai 69, 2000 Antwerpen
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "statutaire",
      "new_address": {
        "city": "Antwerpen",
        "region": "Vlaams Gewest",
        "street": "Vlaamse Kaai",
        "country": "BE",
        "postcode": "2000",
        "box_number": null,
        "street_number": "69"
      },
      "old_address": {
        "city": "Antwerpen",
        "region": "Vlaams Gewest",
        "street": "Generaal Drubbelstraat",
        "country": "BE",
        "postcode": "2600",
        "box_number": "002",
        "street_number": "19"
      },
      "effective_date": "2025-10-14",
      "evidence_quote": "Ingevolge beslissing van de bestuurder werd het adres van zowel de maatschappelijke zetel als van de exploitatiezetel met ingang per 14 oktober 2025 verplaatst naar: Vlaamse Kaai 69 te 2000 Antwerpen"
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "1005.089.749",
    "name_full": "PHIL BRANDS",
    "legal_form": "BV"
  }
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Verwerking van thee en koffie10830Verwerking van thee en koffie10830Groothandel in koffie, thee, cacao en specerijen46370Groothandel in koffie, thee, cacao en specerijen46370Overige niet-gespecialiseerde detailhandel47120Detailhandel via postorderbedrijven of via internet47910
Primary activity highlighted.
Names & trade names
Legal nameNL Phil Brands
Registered office
Vlaamsekaai 69
2000 Antwerpen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Similar companies Same sector and region · no size comparison possible · 20 of 230 with filed accounts
C&C COFFEE BE 0822.689.959 · Antwerpen
Cordon Coffee BE 0766.278.224 · Antwerpen
CROSS ROAST BE 0888.735.873 · Antwerpen
koffika. BE 1010.454.047 · Antwerpen
PROJECT COFFEE BE 0694.928.190 · Antwerpen
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative