Financials
Financial year 2025
PHASE Insurance from Sint-Agatha-Berchem, company number BE0864175869, closed financial year 2025 with a result of € 169,237 after tax. For that financial year PHASE Insurance recorded a gross margin of € 549,923 and equity of € 531,808. Compared with financial year 2024, the result moved from € 48,393 to € 169,237. Profitable, and profit is growing. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on October 30, 2026.
€ 531,808
▲ 18% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 169,237
▲ 250% vs 2024
Profit after tax over the fiscal year.
€ 144,254
▼ 54% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 90,000 paid out
53 % of the profit went to the shareholders, mostly to PHARI (100 % of the shares). That is where the money ends up.
People and assets in 2025
€ 277,114
▲ 49% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 10,114
▲ € 7,617 vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 572,641
▲ € 516,410 vs 2024
€ 34,371 is repaid this year. At this pace the long-term loan is gone in ≈ 17 years.
€ 19,511
▼ 61% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 38,015
▲ 89% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 354,232 | € 457,930 | € 295,002 | € 549,923 | ▲ 86% |
| Profit after taxes | € 259,322 | € 264,481 | € 48,393 | € 169,237 | ▲ 250% |
| Equity | € 439,697 | € 444,178 | € 452,571 | € 531,808 | ▲ 18% |
| Total debts | € 361,929 | € 350,478 | € 166,928 | € 720,226 | ▲ € 553,297 |
| Cash | € 241,109 | € 122,448 | € 311,181 | € 144,254 | ▼ 54% |
| Land & buildings | € 366,147 | € 338,840 | € 192,311 | € 835,528 | ▲ € 643,217 |
| Retained profit | € 67,697 | € 72,178 | € 80,571 | € 159,808 | ▲ 98% |
| Dividend | € 250,000 | € 260,000 | € 40,000 | € 90,000 | ▲ 125% |
| Bank debt | € 111,420 | € 76,487 | € 56,231 | € 572,641 | ▲ € 516,410 |
| Balance sheet total | € 801,846 | € 794,831 | € 619,631 | € 1,255,299 | ▲ 103% |
Key figures of PHASE Insurance, 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 PHASE Insurance?
What happened at PHASE Insurance in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 169,237 (▲ 250% vs 2024). filed late Source: NBB ↗
- New establishment in Sint-Agatha-Berchem. KBO
- Start of the company according to the CBE. KBO
In short
From € 259,322 profit in 2022 to € 169,237 profit in 2025.
Paid € 24,914 in corporate taxes since 2022.
Best year ever: 2023, with € 264,481 profit.
Paid out € 640,000 in dividends to the owners in total.
Management
The stake of PHARI comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
PHASE InsuranceBehind PHASE Insurance is Phari BV. The shares are held by PHARI (100%).
Establishments
Establishment units
Physical locations of this company
Kattestraat 2
1082 Sint-Agatha-Berchem
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0864.175.869
- VAT number
- BE 0864.175.869
- Registered office
- Kattestraat 2, 1082 Sint-Agatha-Berchem
- Names & denominations
- PHASE Insurance
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 19 March 2004
- Peppol
- Active · Active since 15 Jul 2025
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars