PHONE CLINIC

Active

Private limited companyfounded 201610 yrs activeEmile Bockstaellaan 250, 1020 Brussel, BelgiumKBO/BCE: BE 0662.558.302

Summary

PHONE CLINIC has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2k and a net result of €658. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 17% of 1037 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).

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Checked score

Score 2025

47 / 100

Fair

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability44▼-1

Solvency35▲+3

Growth58=

Track record100

Bankruptcy probability, 12 months

0.9% Low

0%0.5%1.5%4%10%≥ 25%

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 95

Relative position

BE, all sectors

reference

Sector 95

lower

← fewer bankruptcies more bankruptcies →

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 1037 sector peers (2025).

NBB · sector comparison

Position among 1037 sector peers

Solvency

better than 17%

← weakest strongest →

Growing equity

Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.

NBB · annual accounts 2025

Equity per financial year

18192022232425

2018 to 2025 · latest year €2k

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 7 filings

Deviation from the deadline

2025

27 d late

2024

28 d late

2023

30 d late

2022

18 d early

2020

31 d late

2019

56 d late

2018

149 d late

← before the deadline after the deadline →

Checked, nothing found (2)

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 months

Position in the running window

24-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Turnover

€24k

EBIT margin

-13.6%

Net result

€658▼ 17.1%

2024 · €793

2018: €-3k 2019: €-4k 2020: €-2k 2022: €-1k 2023: €2k 2024: €793

2018 → 2025

Working capital

€2k▲ 35.7%

2024 · €2k

2018: €12k 2019: €8k 2020: €6k 2022: €-541 2023: €1k 2024: €2k

2018 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202022202320242025Trend

Equity€6k-€-541€1k€2k▲ 75.7%€2k▲ 35.7%

Operating result€-1k-€-889▲ 30.4%€3k€1k▼ 51.5%€2k▲ 59.0%

Net result€-2k-€-1k▲ 49.4%€2k€793▼ 50.1%€658▼ 17.1%

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 recovers in 2025; 2025 is 59% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Equity and liabilities €26k

10%

90.2%

Equity €2k ▲ 35.7%

Debt €23k ▼ 8.4%

Debt's share of the balance-sheet total falls from 93.2% to 90.2%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

Current ratio

1.11▲

2024 · 1.07

Quick ratio

0.24▼

2024 · 0.28

Debt to equity

9.21▼

2024 · 13.64

ROE

26.3%▼

2024 · 43.1%

ROA

2.6%▼

2024 · 2.9%

Debt ≤ 1 year

€23k▼

2024 · €25k

Income taxes

€1k▲

2024 · €264

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 · 40 lines

Balance sheet Code20242025

Assets

Total assets20/58€27k€26k▼

Current assets29/58€27k€26k▼

Stocks and contracts in progress3€20k€20k=

Stocks30/36€20k€20k=

Amounts receivable within one year40/41€211€290▲

Other amounts receivable41€211€290▲

Cash at bank and in hand54/58€7k€5k▼

Equity and liabilities

Total equity and liabilities10/49€27k€26k▼

Equity10/15€2k€2k▲

Contributions10/11€6k€6k=

Capital10€6k€6k=

Issued capital100€19k€19k=

Uncalled capital101€12k€12k=

Reserves13€119€119=

Non-distributable reserves130/1€119€119=

Legal reserve130€119€119=

Profit (loss) carried forward14€-4k€-4k▲

Amounts payable17/49€25k€23k▼

Amounts payable within one year42/48€25k€23k▼

Trade debts44€9k€3k▼

Suppliers440/4€9k€3k▼

Taxes, remuneration and social security45€11k€11k▼

Taxes450/3€11k€11k▼

Other amounts payable47/48€5k€9k▲

Income statement Code20242025

Goods, raw materials, services and sundry goods60/61€25k€22k▼

Other operating charges640/8€146€703▲

Gross operating margin9900€1k€3k▲

Operating profit (loss)9901€1k€2k▲

Financial income75/76B€3-

Recurring financial income75€3-

Financial charges65/66B€238€364▲

Recurring financial charges65€238€364▲

Profit (loss) for the period before taxes9903€1k€2k▲

Income taxes67/77€264€1k▲

Profit (loss) for the period9904€793€658▼

Profit (loss) for the period to be appropriated9905€793€658▼

Appropriation of the result

Profit (loss) to be appropriated9906€-4k€-4k▲

Profit (loss) brought forward from the previous period14P€-5k€-4k▲

Transfer to equity691/2€40-

To the legal reserve6920€40-

Download as CSV

Timeline · acts, filings and financial milestones

All 9Financial 2Filings 7

Next filing, fiscal year 2026, expected by 31-07-2027

2026

27-08

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema · 27 days late

2025

28-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 28 days late

2024

30-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 30 days late

2023

31-12

Financial Back to profitnet €2k

Net result €2k after 4 loss-making years.

13-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2021

31-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 31 days late

2020

25-09

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 56 days late

2019

31-12

Financial Weakest financial yearnet €-4k

Net result drops to €-4k, the lowest in the series; recovery starts the following year.

27-12

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 149 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

4 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, Brussel · 1 establishment unit since 2016

establishment The establishment unit on the map

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.

Emile Bockstaellaan 2501020 Brussel

Ground area

136 m²

Building footprint

135 m²

Volume, LiDAR

1,736 m³

2 parcels, Brussels · tallest building 20.6 m, ±5 floors. Linked by address, not a title deed.

1 establishment unit

PHONE CLINIC

Emile Bockstaellaan 239, 1020 BrusselWholesale trade

since 20162.257.954.320

2 parcels

Brussels 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21816C0134/00K006	Brussels	69 m²	1 · 68 m²	20.6 m · 5 fl.
21816C0133/00D008	Brussels	67 m²	1 · 67 m²	17.9 m · 5 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

Sint-Gillis (bij-Brussel) · Eq €3,150

INFORMATIQUE AZ

BE 1029.500.194

Montigny-le-Tilleul · Eq €3,151

iDoctor

BE 0422.274.355

Ottignies-Louvain-la-Neuve · Eq €3,286

Of 863 companies in sector 95100 we hold annual accounts for 265. 68 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

Founded14-09-2016

Fiscal year end31-12

Activities, NACEBEL 2025

95100Repair and maintenance of computers and communication equipment

Sources

Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.