PHILVET
ActivePHILVET has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-756) and a net result of €29k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 1272 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Negative equity caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency23▲+23
Growth58▲+26
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.95 against 0.15 in 2024; short-term debt: 101.6% and cash: 63.6% of total assets), and equity is negative.
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 75
Relative position
BE, all sectors
reference
Sector 75
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 2025Solvency, return and age of the figures
Solvency
-1.6%
Return on assets
61.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 1272 sector peers (2025).
NBB · sector comparisonPosition among 1272 sector peers
Solvency
better than 5%
← 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 04-08-2026, 4 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 · 5 filingsDeviation from the deadline
2025
4 d late
2024
13 d late
2023
29 d late
2022
8 d late
2021
22 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-756▲ 97.5%
2024 · €-30k
2021: €2k
2022: €-6k
2023: €-7k
2024: €-30k
2021 → 2025
Total assets
€47k▲ 274%
2024 · €13k
2021: €32k
2022: €24k
2023: €23k
2024: €13k
2021 → 2025
Net result
€29k
2024 · €-23k
2021: €-1k
2022: €-8k
2023: €-1k
2024: €-23k
2021 → 2025
Working capital
€-3k▲ 92.7%
2024 · €-36k
2021: €-6k
2022: €-15k
2023: €-17k
2024: €-36k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2k-€-6k€-7k▼ 19.5%€-30k▼ 323%€-756▲ 97.5%
Operating result€1k-€-6k€-648▲ 89.3%€-23k▼ 3,390%€34k
Net result€-1k-€-8k▼ 436%€-1k▲ 84.6%€-23k▼ 1,875%€29k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €34k after a loss of €23k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €47k
Fixed assets
€2k▼ 69.6%
Current assets
€45k▲ 600%
Key figures and ratios
EBITDA
€39k▲
2024 · €-17k
Cash flow
€35k▲
2024 · €-17k
Solvency
-1.6%▲
2024 · -236.9%
Current ratio
0.95▲
2024 · 0.15
Quick ratio
0.95▲
2024 · 0.15
ROA
61.8%▲
2024 · -180.9%
Interest coverage
164.44▲
2024 · -23.70
Debt
€48k▲
2024 · €43k
Debt ≤ 1 year
€48k▲
2024 · €43k
Income taxes
€4k▲
2024 · €-453
Staff costs
€2k▼
2024 · €2k
Equity ratios withheld: equity of €-756 is too small for a meaningful ratio.
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€13k€47k▲
Fixed assets21/28€6k€2k▼
Tangible fixed assets22/27€6k€2k▼
Furniture and vehicles24€6k€2k▼
Current assets29/58€6k€45k▲
Amounts receivable within one year40/41€4k€6k▲
Trade receivables40€4k€6k▲
Other amounts receivable41€175€594▲
Cash at bank and in hand54/58€3k€30k▲
Deferred charges and accrued income490/1-€9k
Equity and liabilities
Total equity and liabilities10/49€13k€47k▲
Equity10/15€-30k€-756▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€-33k€-4k▲
Amounts payable17/49€43k€48k▲
Amounts payable within one year42/48€43k€48k▲
Financial debts43€504-
Credit institutions430/8€504-
Trade debts44€2k€6k▲
Suppliers440/4€2k€6k▲
Taxes, remuneration and social security45€2k€2k▼
Taxes450/3€2k€2k▼
Other amounts payable47/48€38k€40k▲
Income statement
Code20242025
Remuneration, social security and pensions62€2k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€5k▼
Other operating charges640/8€1k€425▼
Gross operating margin9900€-14k€41k▲
Operating profit (loss)9901€-23k€34k▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€718€237▼
Recurring financial charges65€718€237▼
Profit (loss) for the period before taxes9903€-23k€33k▲
Income taxes67/77€-453€4k▲
Profit (loss) for the period9904€-23k€29k▲
Profit (loss) for the period to be appropriated9905€-23k€29k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-33k€-4k▲
Profit (loss) brought forward from the previous period14P€-10k€-33k▼
The notes to these accounts (5 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
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 4 days late
2025
31-12
Financial
Back to profitnet €29k
Net result €29k after 4 loss-making years.
13-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 13 days late
2024
31-12
Financial
Weakest financial yearnet €-23k
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 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, Les Bons Villers · 1 establishment unit 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.
Rue Reine Astrid(FLG) 516210 Les Bons VillersGround area
1,209 m²
Building footprint
301 m²
Parcel 52024D0016/00E000, Wallonia. Linked by address, not a title deed.
1 establishment unit
PHILVET
since 20202.309.637.207
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52024D0016/00E000 | Wallonia | 1,209 m² | 1 · 301 m² | - |
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.
Similar companies · same sector, comparable size
VET EMERGENCY
BE 0645.629.327
Vorst · Eq €2k
Patte o Vet
BE 0794.549.566
Dour · Eq €2k
Alivet
BE 1019.269.961
Grimbergen · Eq €2k
ALTERVET
BE 0697.939.744
Namur · Eq €2k
VETEPATUREAU
BE 0769.585.231
Braine-l'Alleud · Eq €2k
Of 6,078 companies in sector 75000 we hold annual accounts for 1,950. 220 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-11-2020
Fiscal year end31-12
Activities, NACEBEL
75000Veterinary services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:srlphilvet@gmail.com