PHILIP DESCHIETERE
ActivePHILIP DESCHIETERE has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €376k and a net result of €4k. Equity is growing by ~15.1% per year across the filed fiscal years. Its solvency ranks better than 65% of 8647 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability35▼-44
Solvency93▼-7
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 3.62 against 14.46 in 2024; short-term debt: 27.6% and cash: 19.5% of total assets), and 31.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
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
68.2%
Return on assets
0.7%
Age of the figures
17 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-04-2025 was due by 30-11-2025 and was filed on 28-11-2025, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
5 d early
2023
6 d early
2022
58 d late
2021
5 d early
2020
on the day
2019
31 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-04-2026 and is due by 30-11-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-04-2026 close20-09-2026 today30-11-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€376k▼ 44.8%
2024 · €681k
2019: €328k
2020: €389k
2021: €465k
2022: €546k
2023: €621k
2024: €681k
2019 → 2025
Total assets
€550k▼ 24.5%
2024 · €729k
2019: €518k
2020: €557k
2021: €594k
2022: €635k
2023: €756k
2024: €729k
2019 → 2025
Net result
€4k▼ 93.8%
2024 · €60k
2019: €38k
2020: €61k
2021: €74k
2022: €81k
2023: €75k
2024: €60k
2019 → 2025
Working capital
€397k▼ 38.7%
2024 · €648k
2019: €324k
2020: €390k
2021: €462k
2022: €545k
2023: €621k
2024: €648k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€465k-€546k▲ 17.4%€621k▲ 13.7%€681k▲ 9.6%€376k▼ 44.8%
Operating result€110k-€120k▲ 9.6%€110k▼ 8.5%€92k▼ 16.4%€16k▼ 82.9%
Net result€74k-€81k▲ 9.8%€75k▼ 7.4%€60k▼ 20.3%€4k▼ 93.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 83% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €550k
Fixed assets
€1k▼ 96.2%
Current assets
€549k▼ 21.1%
Equity and liabilities €550k
Equity
€376k▼ 44.8%
Debt
€175k▲ 263%
The debt ratio rises from 6.6% to 31.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€16k▼
2024 · €93k
Cash flow
€4k▼
2024 · €61k
Solvency
68.2%▼
2024 · 93.4%
Current ratio
3.62▼
2024 · 14.46
Quick ratio
3.62▼
2024 · 14.46
Debt / equity
0.47▲
2024 · 0.07
ROE
1.0%▼
2024 · 8.8%
ROA
0.7%▼
2024 · 8.2%
Interest coverage
1.80▼
2024 · 10.98
Debt
€175k▲
2024 · €48k
Debt ≤ 1 year
€152k▲
2024 · €48k
Income taxes
€3k▼
2024 · €24k
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€729k€550k▼
Fixed assets21/28€33k€1k▼
Tangible fixed assets22/27€33k€1k▼
Furniture and vehicles24€33k€1k▼
Current assets29/58€696k€549k▼
Amounts receivable within one year40/41€457k€427k▼
Trade receivables40€0€55k▲
Other amounts receivable41€457k€371k▼
Cash at bank and in hand54/58€236k€107k▼
Deferred charges and accrued income490/1€3k€15k▲
Equity and liabilities
Total equity and liabilities10/49€729k€550k▼
Equity10/15€681k€376k▼
Contributions10/11€15k€15k=
Reserves13€352k€355k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€0-
Other1319€2k€2k=
Distributable reserves133€350k€353k▲
Profit (loss) carried forward14€314k€5k▼
Amounts payable17/49€48k€175k▲
Amounts payable within one year42/48€48k€152k▲
Financial debts43€29k€25k▼
Credit institutions430/8€29k€25k▼
Other loans439€0-
Trade debts44€5k€24k▲
Suppliers440/4€5k€24k▲
Taxes, remuneration and social security45€10k€103k▲
Taxes450/3€10k€103k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€4k€0▼
Accrued charges and deferred income492/3-€23k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€415▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€95k€17k▼
Operating profit (loss)9901€92k€16k▼
Financial income75/76B€129€0▼
Recurring financial income75€129€0▼
Financial charges65/66B€8k€9k▲
Recurring financial charges65€8k€9k▲
Profit (loss) for the period before taxes9903€84k€7k▼
Income taxes67/77€24k€3k▼
Profit (loss) for the period9904€60k€4k▼
Profit (loss) for the period to be appropriated9905€60k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€374k€318k▼
Profit (loss) brought forward from the previous period14P€314k€314k=
Transfer to equity691/2€60k€4k▼
To other reserves6921€60k€4k▼
Profit to be distributed694/7-€309k
Return on contributions (dividend)694-€309k
The notes to these accounts (8 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
2025
28-11
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
30-04
Financial
Weakest financial yearnet €4k ▼93.8%
Net result drops to €4k, the lowest in the series.
2024
25-11
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
30-04
Financial
Liquidity triplescurrent ratio 14.46
Current ratio from 5.62 to 14.46; short-term debt falls from €134k to €48k.
2023
24-11
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
27-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 58 days late
2022
30-04
Financial
Highest result since 2019net €81k ▲9.8%
Net result €81k, the highest in the series.
30-04
Financial
Equity above €500kEq €546k ▲17.4%
4 profitable years in a row build equity to €546k.
2021
25-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
21-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 21 days late
04-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 155 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Lier
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.
Marnixdreef 42500 LierGround area
1,235 m²
Building footprint
413 m²
Volume, LiDAR
2,004 m³
Parcel 12392B0345/00G000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12392B0345/00G000 | Flanders | 1,235 m² | 1 · 413 m² | 8.2 m · 2 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.
Structure & network
Ownership & control
1 partyPHILIP DESCHIETEREBE 0890.848.889
controls
Where this company holds controlthis company sits on their board1
7 locations
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 36,765 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-07-2007
Fiscal year end30-04
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.