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 35 % of short-term debt in 2025; threshold 65 %.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
P.H. FINANCE from Verviers, company number BE0863636827, closed financial year 2025 with a result of € 16,786 after tax. For that financial year P.H. FINANCE recorded a gross margin of € -66 and equity of € 208,002. Compared with financial year 2024, the result moved from € 57,758 to € 16,786. The company is profitable. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on January 31, 2026.
€ 208,002
▼ 6% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 16,786
▼ 71% vs 2024
Profit after tax over the fiscal year.
€ 0
▼ 100% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 30,500 paid out
More than the year’s profit went to the shareholders; reserves fell.
Debts at end 2025
€ 11,403
▼ 44% vs 2024
Loans from banks and other lenders, long and short.
€ 1,750
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 | € -1,181 | € -598 | € -64 | € -66 | ▼ € 2 |
| Profit after taxes | € 41,495 | € 62,731 | € 57,758 | € 16,786 | ▼ 71% |
| Equity | € 271,727 | € 255,958 | € 221,716 | € 208,002 | ▼ 6% |
| Total debts | € 134,765 | € 331,031 | € 410,963 | € 423,696 | ▲ 3% |
| Cash | € 60 | € 7,278 | € 232 | € 0 | ▼ 100% |
| Retained profit | € 269,227 | € 253,458 | € 219,216 | € 205,502 | ▼ 6% |
| Dividend | € 66,495 | € 78,500 | € 92,000 | € 30,500 | ▼ 67% |
| Bank debt | € 43,381 | € 30,988 | € 20,460 | € 11,403 | ▼ 44% |
| Balance sheet total | € 406,492 | € 586,989 | € 632,679 | € 631,698 |
Key figures of P.H. FINANCE, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 January 2027.
What happened to P.H. FINANCE?
What happened at P.H. FINANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 16,786 (▼ 71% vs 2024). filed late Source: NBB ↗
- Start of the company according to the CBE. KBO
- New establishment in Theux. KBO
In short
From € 41,495 profit in 2022 to € 16,786 profit in 2025.
Best year ever: 2023, with € 62,731 profit.
Paid out € 267,495 in dividends to the owners in total.
A new publication or filing at P.H. FINANCE? We notify you, reason included.
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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 P.H. FINANCE are Dany Pirnay and DPPM SCS. It owns 100% of Agendo SRL itself.
Directors
According to the 2025 annual accounts
Director · represented by Dany Pirnay
Establishments
Establishment units
Physical locations of this company
Rue de France 3
4800 Verviers
Oneux Village 55 box A
4910 Theux
Active since 20 February 2004
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 4 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
- 0863.636.827
- VAT number
- BE 0863.636.827
- Registered office
- Rue de France 3, 4800 Verviers
- Names & denominations
- P.H. FINANCE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 24 February 2004
- Peppol
- Not registered
- Activities · NACE
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