Phone Languages
The computed 12-month bankruptcy probability of Phone Languages is 0.1% (very low). The 2025 annual accounts show equity of €26k and a net result of €2k. The company has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €26k |
| Net result | €2k |
| Active | 41 yrs |
| Locations | 1 |
Strong profile, led by stability.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →| Fiscal year | 2025 |
|---|---|
| Deposit | verkort |
| Revenue | - |
| EBITDA | €6k |
| Net profit | €2k |
| Cash flow | €4k |
| Staff costs | €35k |
| Income taxes | €2k |
| Dividends | - |
| Total assets | €99k |
| Equity | €26k |
| Debt | €73k |
| of which ≤ 1y | €73k |
| of which > 1y | - |
| Working capital | €23k |
| Employees (FTE) | - |
| 2025 | |
|---|---|
| Current ratio | 1.32 |
| Quick ratio | 1.32 |
| Working capital ratio | 23.4% |
| Solvency | 26.2% |
| Debt / equity | 2.81 |
| Long-term debt ratio | - |
| Interest coverage | 24.63 |
| Gross margin | - |
| Net margin | - |
| ROA | 2.4% |
| ROE | 9.1% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Full annual accounts (24 line items)
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €99k |
| Fixed assets | 21/28 | €3k |
| Intangible fixed assets | 21 | €527 |
| Tangible fixed assets | 22/27 | €1k |
| Financial fixed assets | 28 | €1k |
| Current assets | 29/58 | €96k |
| Amounts receivable within one year | 40/41 | €63k |
| Cash & bank | 54/58 | €32k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €99k |
| Equity | 10/15 | €26k |
| Contributions / capital | 10/11 | €19k |
| Reserves | 13 | €2k |
| Accumulated profits (losses) | 14 | €6k |
| Amounts payable | 17/49 | €73k |
| Amounts payable within one year | 42/48 | €73k |
| Trade debts payable within one year | 44 | €14k |
| Income statement | ||
| Gross operating margin | 9900 | €42k |
| Operating result | 9901 | €4k |
| Financial income | 75 | €1 |
| Financial charges | 65 | €237 |
| Result before taxes | 9903 | €4k |
| Income taxes | 67/77 | €2k |
| Net result for the period | 9904 | €2k |
| Result to be appropriated | 9905 | €2k |
Former directors (1)
-
Virginia CZWAKIELManagerState Gazette act 02123217 (07-10-2002)Former- → 21-08-2002
| NACE primary | Beroepsopleiding(85592) |
| Legal form | Private limited company(610) |
| Incorporation | 12-03-1985 |
| Status | Active |
| Postal code | 1410 |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
07-10-2002 Virginia CZWAKIEL resigns as manager
- Virginia CZWAKIEL, Zaakvoerder
Technical details
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"events": [
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"kind": "director_out",
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"name": "Virginia CZWAKIEL",
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},
"reason": "de_plein_droit_dissolution",
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"statutory": "statutair",
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"effective_date": "2002-08-21",
"evidence_quote": "Accepte la d\u00E9mission, en tant que g\u00E9rant de la soci\u00E9t\u00E9 de Madame Virginia CZWAKIEL, avec effet au 21 ao\u00FBt 2002",
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}
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},
"act_meta": {
"language": "fr",
"pub_date": "2002-10-07",
"filing_date": "2002-08-21",
"act_kind_objet": "Objet de l\u0027acte:"
},
"decisions": [
{
"body": "algemene_vergadering",
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}
],
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"subject_company": {
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},
"publication_proxy": {
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},
"co_filed_documents": [],
"corrected_publication_numac": null
}| Legal nameFR | Phone Languages |