Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 41 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
PHIBACO from Tongeren-Borgloon, company number BE0702993048, closed financial year 2025 with a result of € 23,962 after tax. For that financial year PHIBACO recorded a gross margin of € 92,554 and equity of € 37,066. Compared with financial year 2024, the result moved from € 2,369 to € 23,962. Profitable, and profit is growing. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 31, 2026.
€ 37,066
▲ 183% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 23,962
▲ € 21,593 vs 2024
Profit after tax over the fiscal year.
€ 56,913
▲ € 54,537 vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 30,866.
People and assets in 2025
€ 15,869
▼ 41% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 366,518
▲ 7% vs 2024
€ 20,129 is repaid this year. At this pace the long-term loan is gone in ≈ 18 years.
€ 11,077
▼ 2% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 12,809
▲ € 12,771 vs 2024
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 36,515 | € 26,394 | € 39,787 | € 92,554 | ▲ 133% |
| Profit after taxes | € 10,730 | € -709 | € 2,369 | € 23,962 | ▲ € 21,593 |
| Equity | € 11,444 | € 10,734 | € 13,104 | € 37,066 | ▲ 183% |
| Total debts | € 158,011 | € 175,039 | € 626,818 | € 617,308 | ▼ 2% |
| Cash | € 18,269 | € 13,150 | € 2,376 | € 56,913 | ▲ € 54,537 |
| Land & buildings | € 5,933 | € 5,324 | € 398,464 | € 412,300 | ▲ 3% |
| Retained profit | € 5,244 | € 4,534 | € 6,904 | € 30,866 | ▲ € 23,962 |
| Bank debt | € 9,773 | € 6,567 | € 342,009 | € 366,518 | ▲ 7% |
| Balance sheet total | € 169,455 | € 185,773 | € 639,922 | € 654,374 | ▲ 2% |
Key figures of PHIBACO, 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 PHIBACO?
What happened at PHIBACO in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 23,962 (▲ € 21,593 vs 2024). Source: NBB ↗
- Christophe Wolfs became a director. NBB
- New establishment in Bilzen-Hoeselt. KBO
- Start of the company according to the CBE. KBO
- Philip Hallet became a director. NBB
In short
From € 10,730 profit in 2022 to € 23,962 profit in 2025.
Paid € 2,396 in corporate taxes since 2022.
Best year ever: 2025, with € 23,962 profit.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind PHIBACO are Christophe Wolfs and Philip Hallet.
Directors
According to the 2025 annual accounts
Christophe Wolfs
Director
since 2021
Philip Hallet
Director
since 2018
Establishments
Establishment units
Physical locations of this company
Blaarstraat 270 box 8
3700 Tongeren-Borgloon
Industrielaan 33
3730 Bilzen-Hoeselt
Active since 10 September 2018
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0702.993.048
- VAT number
- BE 0702.993.048
- Registered office
- Blaarstraat 270 bus 8, 3700 Tongeren-Borgloon
- Names & denominations
- PHIBACO
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 10 September 2018
- Peppol
- Active · Active since 1 Dec 2025
- Activities · NACE
Reparatie en montage van specifieke auto-onderdelen
Carrosserieherstelling (inclusief spuiten en verven)
Reparatie en onderhoud van machines
Onderhoud en reparatie van motorvoertuigen, neg
Onderhoud en reparatie van motorvoertuigen, n.e.g.
Carrosserieherstelling