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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Tight liquidity NBB
Cash and receivables cover 13 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
PHARI from Sint-Pieters-Leeuw, company number BE0760633814, closed financial year 2025 with a result of € 73,846 after tax. For that financial year PHARI recorded a gross margin of € 155,648 and equity of € 273,910. Compared with financial year 2024, the result moved from € 61,617 to € 73,846. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on October 30, 2026.
€ 273,910
▲ 37% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 73,846
▲ 20% vs 2024
Profit after tax over the fiscal year.
€ 37,723
▲ € 30,735 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 € 270,910.
People and assets in 2025
€ 33,875
▼ 27% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 868,269
▼ 19% vs 2024
€ 135,333 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 4,484
▼ 78% vs 2024
Supplier invoices still open on the last day of the fiscal year.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 85,185 | € 77,892 | € 122,150 | € 155,648 | ▲ 27% |
| Profit after taxes | € 64,036 | € 51,556 | € 61,617 | € 73,846 | ▲ 20% |
| Equity | € 86,892 | € 138,448 | € 200,064 | € 273,910 | ▲ 37% |
| Total debts | € 264,733 | € 283,495 | € 1,126,292 | € 1,076,677 | ▼ 4% |
| Cash | € 74,379 | € 111,560 | € 6,988 | € 37,723 | ▲ € 30,735 |
| Land & buildings | - | € 1,158 | € 713 | € 268 | ▼ 62% |
| Retained profit | € 83,892 | € 135,448 | € 197,064 | € 270,910 | ▲ 37% |
| Bank debt | € 240,619 | € 253,136 | € 1,072,727 | € 868,269 | ▼ 19% |
| Balance sheet total | € 351,624 | € 421,942 | € 1,326,356 | € 1,350,587 | ▲ 2% |
Key figures of PHARI, 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 PHARI?
What happened at PHARI in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 73,846 (▲ 20% vs 2024). filed late Source: NBB ↗
- New establishment in Sint-Pieters-Leeuw. KBO
- Start of the company according to the CBE. KBO
In short
From € 64,036 profit in 2022 to € 73,846 profit in 2025.
Paid € 75,396 in corporate taxes since 2022.
Best year ever: 2025, with € 73,846 profit.
Management
Behind PHARI is David Decuypere. It owns 100% of PHASE Insurance itself.
Directors
According to the 2025 annual accounts
Establishments
Establishment units
Physical locations of this company
Jan Baptist Troucheaustraat 23
1600 Sint-Pieters-Leeuw
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
- 0760.633.814
- VAT number
- BE 0760.633.814
- Registered office
- Jan Baptist Troucheaustraat 23, 1600 Sint-Pieters-Leeuw
- Names & denominations
- PHARI
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 29 December 2020
- Peppol
- Active · Active since 5 Nov 2024
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