PRINTPHIL
ActivePRINTPHIL has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €16k and a net result of €372. Equity is shrinking by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 45% of 1236 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability35▼-40
Solvency69▼-10
Growth58=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.73 against 2.14 in 2023; short-term debt: 56% and cash: 0.7% of total assets), but 56% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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 2024Solvency, return and age of the figures
Solvency
44%
Return on assets
1%
Age of the figures
21 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 18
Relative position
BE, all sectors
reference
Sector 18
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €16k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
22 d late
2022
217 d late
2021
31 d late
2020
18 d late
2019
27 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€16k▲ 2.4%
2023 · €16k
2018: €21k
2019: €21k
2020: €16k
2021: €11k
2022: €11k
2023: €16k
2018 → 2024
Total assets
€36k▲ 24.9%
2023 · €29k
2018: €37k
2019: €40k
2020: €27k
2021: €24k
2022: €25k
2023: €29k
2018 → 2024
Net result
€372▼ 91.6%
2023 · €4k
2018: €-2k
2019: €186
2020: €-6k
2021: €-5k
2022: €92
2023: €4k
2018 → 2024
Working capital
€15k▼ 3.6%
2023 · €15k
2018: €18k
2019: €18k
2020: €13k
2021: €11k
2022: €11k
2023: €15k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€16k-€11k▼ 29.0%€11k▲ 0.8%€16k▲ 39.5%€16k▲ 2.4%
Operating result€-5k-€-4k▲ 25.1%€353€5k▲ 1,288%€1k▼ 72.5%
Net result€-6k-€-5k▲ 21.3%€92€4k▲ 4,719%€372▼ 91.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 72% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €36k
Fixed assets
€1k▲ 326%
Current assets
€35k▲ 21.9%
Equity and liabilities €36k
Equity
€16k▲ 2.4%
Debt
€20k▲ 50.9%
The debt ratio rises from 46.4% to 56.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€1k
Cash flow
€514
Solvency
44.0%▼
2023 · 53.6%
Current ratio
1.73▼
2023 · 2.14
Quick ratio
0.53▼
2023 · 0.60
Debt / equity
1.27▲
2023 · 0.86
ROE
2.3%▼
2023 · 28.3%
ROA
1.0%▼
2023 · 15.2%
Interest coverage
1.78
Debt
€20k▲
2023 · €13k
Debt ≤ 1 year
€20k▲
2023 · €13k
Income taxes
€140▲
2023 · €132
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€29k€36k▲
Fixed assets21/28€284€1k▲
Tangible fixed assets22/27-€927
Furniture and vehicles24-€927
Financial fixed assets28€284€284=
Current assets29/58€29k€35k▲
Stocks and contracts in progress3€21k€24k▲
Stocks30/36€21k€24k▲
Amounts receivable within one year40/41€7k€10k▲
Trade receivables40€7k€10k▲
Cash at bank and in hand54/58€792€237▼
Deferred charges and accrued income490/1€63€143▲
Equity and liabilities
Total equity and liabilities10/49€29k€36k▲
Equity10/15€16k€16k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-5k€-4k▲
Amounts payable17/49€13k€20k▲
Amounts payable within one year42/48€13k€20k▲
Financial debts43-€2k
Credit institutions430/8-€2k
Trade debts44€2k-
Suppliers440/4€2k-
Taxes, remuneration and social security45€2k€4k▲
Taxes450/3€2k€4k▲
Other amounts payable47/48€9k€14k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€142
Other operating charges640/8€604€772▲
Gross operating margin9900€6k€2k▼
Operating profit (loss)9901€5k€1k▼
Financial charges65/66B€355€837▲
Recurring financial charges65€355€837▲
Profit (loss) for the period before taxes9903€5k€511▼
Income taxes67/77€132€140▲
Profit (loss) for the period9904€4k€372▼
Profit (loss) for the period to be appropriated9905€4k€372▼
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€-4k▲
Profit (loss) brought forward from the previous period14P€-9k€-5k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
04-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 217 days late
2023
31-12
Financial
Highest result since 2018net €4k ▲4719%
Operating result €5k, net result €4k, both a record.
2022
31-12
Financial
Back to profitnet €92
Net result €92 after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
2020
31-12
Financial
Weakest financial yearnet €-6k ▼3191%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
31-12
Financial
Back to profitnet €186
Net result €186 after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
17-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 17 days late
2017
14-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
20-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Court-Saint-Etienne · 1 establishment unit since 1992
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 Calotte 10 D1490 Court-Saint-EtienneGround area
556 m²
Building footprint
163 m²
Volume, LiDAR
1,024 m³
2 parcels, Wallonia · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PRINTPHIL SPRL
since 19922.060.054.623
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25023A0576/00L000 | Wallonia | 286 m² | 1 · 75 m² | 8.6 m · 2 fl. |
| 25068B0318/00D000 | Wallonia | 269 m² | 1 · 87 m² | 7.3 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.
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Of 195 companies in sector 18110 we hold annual accounts for 134. 64 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded24-11-1992
Fiscal year end31-12
Activities, NACEBEL
18110Printing and reproduction of recorded media
22210
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.