PHILCONS
ActiveSummary
PHILCONS has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €190k and a net result of €-3k. Equity is shrinking by ~5.4% per year across the filed fiscal years. Its solvency ranks better than 48% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability35=
Solvency78▼-1
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 2.51 against 2.69 in 2024; short-term debt: 39.9% and cash: 0% of total assets), and 47% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers 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 →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 31-08-2026, 31 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 · 9 filingsDeviation from the deadline
2025
31 d late
2024
22 d late
2023
27 d late
2022
33 d early
2021
26 d early
2020
54 d early
2019
81 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 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
Equity
€190k▼ 1.5%
2024 · €193k
2018: €263k
2019: €286k
2020: €308k
2021: €314k
2022: €201k
2023: €197k
2024: €193k
2018 → 2025
Total assets
€359k=
2024 · €359k
2018: €488k
2019: €489k
2020: €788k
2021: €800k
2022: €368k
2023: €359k
2024: €359k
2018 → 2025
Net result
€-3k▲ 9.2%
2024 · €-3k
2018: €5k
2019: €22k
2020: €23k
2021: €6k
2022: €-113k
2023: €-5k
2024: €-3k
2018 → 2025
Working capital
€216k▼ 4.3%
2024 · €226k
2018: €-149k
2019: €-171k
2020: €-447k
2021: €-449k
2022: €230k
2023: €226k
2024: €226k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€314k-€201k▼ 36.0%€197k▼ 2.3%€193k▼ 1.6%€190k▼ 1.5%
Operating result€18k-€-26k€-3k▲ 88.1%€-1k▲ 53.5%€-1k▲ 12.9%
Net result€6k-€-113k€-5k▲ 95.9%€-3k▲ 31.4%€-3k▲ 9.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €1k in 2025 against €1k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €359k
Equity
€190k ▼ 1.5%
Debt
€169k ▲ 1.8%
Debt's share of the balance-sheet total rises from 46.1% to 47.0%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
2.51▼
2024 · 2.69
Debt to equity
0.89▲
2024 · 0.86
ROE
-1.5%▲
2024 · -1.7%
ROA
-0.8%▲
2024 · -0.9%
Debt ≤ 1 year
€143k▲
2024 · €133k
Debt > 1 year
€22k=
2024 · €22k
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€359k€359k=
Current assets29/58€359k€359k=
Amounts receivable within one year40/41€359k€359k=
Trade receivables40€9k€9k=
Other amounts receivable41€350k€350k=
Cash at bank and in hand54/58€54€9▼
Equity and liabilities
Total equity and liabilities10/49€359k€359k=
Equity10/15€193k€190k▼
Contributions10/11€56k€56k=
Reserves13€6k€6k=
Non-distributable reserves130/1€6k€6k=
Reserves not available under the articles1311€6k€6k=
Profit (loss) carried forward14€131k€129k▼
Amounts payable17/49€166k€169k▲
Amounts payable after more than one year17€22k€22k=
Financial debts170/4€22k€22k=
Amounts payable within one year42/48€133k€143k▲
Current portion of amounts payable after more than one year42€39k€39k=
Financial debts43€378€408▲
Credit institutions430/8€378€408▲
Trade debts44€12k€7k▼
Suppliers440/4€12k€7k▼
Other amounts payable47/48€82k€98k▲
Accrued charges and deferred income492/3€10k€4k▼
Income statement
Code20242025
Other operating charges640/8€387€400▲
Gross operating margin9900€-1k€-866▲
Operating profit (loss)9901€-1k€-1k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€-3k€-3k▲
Profit (loss) for the period9904€-3k€-3k▲
Profit (loss) for the period to be appropriated9905€-3k€-3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€131k€129k▼
Profit (loss) brought forward from the previous period14P€135k€131k▼
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-113k ▼1938%
Net result drops to €-113k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 105current ratio 2.66
Current ratio from 0.03 to 2.66; short-term debt falls from €461k to €138k.
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
07-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €23k ▲1.9%
Net result €23k, the highest in the series.
17-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
11-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
13-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Leuven · 1 establishment unit since 2014
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.
Naamsesteenweg 413001 LeuvenGround area
1,660 m²
Building footprint
302 m²
Volume, LiDAR
3,247 m³
2 parcels, Flanders · tallest building 19.2 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
PHILCONS
since 20142.235.213.065
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24433E0305/00G002 | Flanders | 1,222 m² | 1 · 184 m² | 19.1 m · 5 fl. |
| 24053B0114/00K000 | Flanders | 437 m² | 1 · 118 m² | 9.3 m · 2 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
MILIVA
BE 0748.388.553
Edegem · Eq €190,457
SOLBOS VENTURES
BE 0413.355.701
Elsene · Eq €190,460
IMPULSE IT
BE 0682.401.928
Sint-Jans-Molenbeek · Eq €190,449
GAMAG
BE 0674.810.093
Knokke-Heist · Eq €190,491
SYMONS MANAGEMENT CONSULTANCY
BE 0459.169.690
Dendermonde · Eq €190,514
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 40,188 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
Founded03-09-2014
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
62200Computer consultancy and computer facilities management
69203Activities of company auditors
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.