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 43 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
PHILIP LENDERS from Merelbeke-Melle, company number BE0723917433, closed financial year 2025 with a result of € 48,842 after tax. For that financial year PHILIP LENDERS recorded a gross margin of € 86,418 and equity of € 18,600. Compared with financial year 2024, the result moved from € 69,504 to € 48,842. The company is profitable. The buffer shrank hard: equity is 90 % below last year. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 1, 2026.
€ 18,600
▼ 90% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 48,842
▼ 30% vs 2024
Profit after tax over the fiscal year.
€ 69,059
▼ 43% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 219,753 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 13,441
▼ 41% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 3,818
▲ 52% vs 2024
Loans from banks and other lenders, long and short.
€ 1,998
▲ 104% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 22,917
▲ 3% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 119,356 | € 100,149 | € 103,765 | € 86,418 | ▼ 17% |
| Profit after taxes | € 85,673 | € 74,796 | € 69,504 | € 48,842 | ▼ 30% |
| Equity | € 281,211 | € 154,125 | € 189,511 | € 18,600 | ▼ 90% |
| Total debts | € 67,158 | € 29,555 | € 26,784 | € 171,180 | ▲ € 144,396 |
| Cash | € 108,847 | € 113,918 | € 121,617 | € 69,059 | ▼ 43% |
| Retained profit | € 262,611 | € 135,525 | € 170,911 | € 0 | ▼ 100% |
| Dividend | € 0 | € 201,882 | € 34,118 | € 219,753 | ▲ € 185,635 |
| Bank debt | € 621 | € 1,298 | € 2,510 | € 3,818 | ▲ 52% |
| Balance sheet total | € 348,369 | € 183,680 | € 216,295 | € 189,780 | ▼ 12% |
Key figures of PHILIP LENDERS, 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 PHILIP LENDERS?
What happened at PHILIP LENDERS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 48,842 (▼ 30% vs 2024). Source: NBB ↗
- New establishment in Merelbeke-Melle. KBO
- Start of the company according to the CBE. KBO
- Philip Lenders became a director. NBB
In short
From € 85,673 profit in 2022 to € 48,842 profit in 2025.
Paid € 79,043 in corporate taxes since 2022.
Best year ever: 2022, with € 85,673 profit.
Paid out € 455,753 in dividends to the owners in total.
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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 PHILIP LENDERS is Philip Lenders. Philip Lenders is also behind PricewaterhouseCoopers Enterprise Advisory.
Directors
According to the 2025 annual accounts
since 2019
Establishments
Establishment units
Physical locations of this company
Meierij 59
9820 Merelbeke-Melle
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 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
- 0723.917.433
- VAT number
- BE 0723.917.433
- Registered office
- Meierij 59, 9820 Merelbeke-Melle
- Names & denominations
- PHILIP LENDERS
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 2 April 2019
- Peppol
- Active · Active since 24 Nov 2023
- Activities · NACE
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