Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Shrinking team NBB
FTE fell two years in a row, from 28.8 to 25.1.
Financials
Financial year 2025
PHISA from Sint-Truiden, company number BE0832430442, closed financial year 2025 with a result of € -112,803 after tax. For that financial year PHISA recorded a gross margin of € 1.1 million and equity of € 21,060. Compared with financial year 2024, the result moved from € 38,132 to € -112,803. The company made a loss. The buffer shrank hard: equity is 84 % 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 30, 2026.
€ 21,060
▼ 84% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -112,803
▼ still € 38,132 profit in 2024
Profit after tax over the fiscal year.
€ 210,730
▼ 10% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -28,940.
People and assets in 2025
25.1
▼ 2 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 1.1 million
▼ 4% vs 2024
€ 43,700 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 1,538
▼ 78% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 443,011
▼ 23% vs 2024
€ 27,314 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 383,967
▲ 118% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 92,032
▲ 1% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 1,124,194 | € 1,165,385 | € 1,281,962 | € 1,087,032 | ▼ 15% |
| Profit after taxes | € -69,189 | € -76,481 | € 38,132 | € -112,803 | ▼ € 150,935 |
| Equity | € 172,212 | € 95,732 | € 133,863 | € 21,060 | ▼ 84% |
| Total debts | € 1,002,742 | € 1,195,181 | € 1,161,010 | € 1,267,026 | ▲ 9% |
| Cash | € 131,581 | € 137,929 | € 234,270 | € 210,730 | ▼ 10% |
| Retained profit | € 122,212 | € 45,732 | € 83,863 | € -28,940 | ▼ € 112,803 |
| Bank debt | € 763,127 | € 711,314 | € 575,736 | € 443,011 | ▼ 23% |
| Balance sheet total | € 1,174,955 | € 1,290,912 | € 1,294,874 | € 1,288,086 | ▼ 1% |
| Employees (FTE) | 30.3 | 28.8 | 27.1 | 25.1 | ▼ 2 |
Key figures of PHISA, 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 PHISA?
What happened at PHISA in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 112,803 (▼ € 150,935 vs 2024). Source: NBB ↗
- FABRO INVEST BV became a director. NBB
- Huguette Wiame became a director. NBB
- New establishment in Sint-Truiden. KBO
- New establishment in Sint-Truiden. KBO
- New establishment in Sint-Truiden. KBO
- Start of the company according to the CBE. KBO
- New establishment in Sint-Truiden. KBO
In short
From € 69,189 loss in 2022 to € 112,803 loss in 2025.
Paid € 1,068 in corporate taxes since 2022.
Best year ever: 2024, with € 38,132 profit.
On average € 43,300 of value added per employee in 2025.
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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 PHISA are FABRO INVEST BV and Huguette Wiame. Huguette Wiame is also behind FABRO INVEST.
Directors
According to the 2025 annual accounts
Director · represented by Philip Bronckaerts
since 2023
since 2023
Establishments
Establishment units
Physical locations of this company
Fabriekstraat 36
3800 Sint-Truiden
Stapelstraat 32
3800 Sint-Truiden
Active since 1 January 2011
Schurhoven 34
3800 Sint-Truiden
Active since 1 January 2011
St.-Truidersteenweg 547
3840 Tongeren-Borgloon
Active since 1 January 2011
Eynestraat 90
3800 Sint-Truiden
Active since 31 August 2016
Sint-Martinusstraat 19
3806 Sint-Truiden
Active since 6 January 2017
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
- 0832.430.442
- VAT number
- BE 0832.430.442
- Registered office
- Fabriekstraat 36, 3800 Sint-Truiden
- Names & denominations
- PHISA
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 4 January 2011
- Peppol
- Active · Active since 6 Sept 2024
- Activities · NACE
Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk
Industriële vervaardiging van brood en van vers banketbakkerswerk
Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden
Vervaardiging van beschuit, biscuit en houdbaar banketbakkerswerk
Cateringdiensten op contractbasis en overige diensten in verband met maaltijden
Groothandel in andere voedingsmiddelen, neg
Detailhandel in brood en banketbakkerswerk (koude bakkers)
Detailhandel in chocolade en suikerwerk
+2