Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 1 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
PHC MANAGEMENT from Gerpinnes, company number BE0431253189, closed financial year 2025 with a result of € -6,610 after tax. For that financial year PHC MANAGEMENT recorded a gross margin of € 56,659 and equity of € 1.2 million. Compared with financial year 2024, the result moved from € -7,140 to € -6,610. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on July 23, 2026.
€ 1.2 million
▼ 1% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -6,610
▲ 7 % less loss than in 2024
Profit after tax over the fiscal year.
€ 9,964
▼ 57% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 957,754.
People and assets in 2025
€ 341
▼ 41% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 46,173
▼ 30% vs 2024
€ 19,932 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 1,192
▲ 63% vs 2024
Supplier invoices still open on the last day of the fiscal year.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 53,798 | € 50,707 | € 59,669 | € 56,659 | ▼ 5% |
| Profit after taxes | € 22,239 | € 20,227 | € -7,140 | € -6,610 | ▲ € 530 |
| Equity | € 1,211,580 | € 1,231,807 | € 1,224,667 | € 1,218,058 | ▼ 1% |
| Total debts | € 1,044,120 | € 1,013,736 | € 1,012,695 | € 993,919 | ▼ 2% |
| Cash | € 8,863 | € 5,848 | € 23,169 | € 9,964 | ▼ 57% |
| Land & buildings | € 548,899 | € 529,174 | € 509,449 | € 491,273 | ▼ 4% |
| Retained profit | € 951,277 | € 971,504 | € 964,364 | € 957,754 | ▼ 1% |
| Bank debt | € 104,179 | € 85,136 | € 65,804 | € 46,173 | ▼ 30% |
| Balance sheet total | € 2,255,700 | € 2,245,543 | € 2,237,363 | € 2,211,976 | ▼ 1% |
Key figures of PHC MANAGEMENT, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to PHC MANAGEMENT?
What happened at PHC MANAGEMENT in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Maxime CHEVAL stepped down as director. NBB
- Alexandre CHEVAL stepped down as director. NBB
- PHILIPPE CHEVAL stepped down as director. NBB
- New annual accounts for financial year 2025: loss of € 6,610. Source: NBB ↗
- Maxime CHEVAL became a director. NBB
- Alexandre CHEVAL became a director. NBB
- PHILIPPE CHEVAL became a director. NBB
- New establishment in Gerpinnes. KBO
In short
From € 22,239 profit in 2022 to € 6,610 loss in 2025.
Best year ever: 2022, with € 22,239 profit.
Management
The shares are held by Philippe CHEVAL (52%), Maxime CHEVAL (24%) and Alexandre CHEVAL (24%). It owns 100% of MAISON CHEVAL BERGER & FILS itself.
Directors
According to the 2025 annual accounts
since 2021 · until 2027
Alexandre CHEVAL
Director
Owns 24% directly
since 2021 · until 2027
since 2021 · until 2027
Shareholders
Philippe CHEVAL · director
52%
Maxime CHEVAL · director
24%
Alexandre CHEVAL · director
24%
Participations
Establishments
Establishment units
Physical locations of this company
Rue des Flaches(GER) 109 box 3
6280 Gerpinnes
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0431.253.189
- VAT number
- BE 0431.253.189
- Registered office
- Rue des Flaches(GER) 109 bus 3, 6280 Gerpinnes
- Names & denominations
- PHC MANAGEMENT
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 27 May 1987
- Peppol
- Active · Active since 23 Dec 2025