Financials
Financial year 2024
PHASE Insurance from Sint-Agatha-Berchem, company number BE0864175869, closed financial year 2024 with a result of € 48,393 after tax. For that financial year PHASE Insurance recorded a gross margin of € 295,002 and equity of € 452,571. Compared with financial year 2023, the result moved from € 264,481 to € 48,393. The company is profitable. 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 May 15, 2025.
€ 452,571
▲ 2% vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 48,393
▼ 82% vs 2023
Profit after tax over the fiscal year.
€ 311,181
▲ 154% vs 2023
Cash and bank balances on the last day of the fiscal year.
€ 40,000 paid out
83 % 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 2024
€ 185,644
▲ 70% vs 2023
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 2,497
▼ 34% vs 2023
Book value of vehicles, furniture and equipment.
Debts at end 2024
€ 56,231
▼ 26% vs 2023
€ 19,141 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 50,582
▲ € 48,058 vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 20,115
▲ 75% vs 2023
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
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| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 325,396 | € 354,232 | € 457,930 | € 295,002 | ▼ 36% |
| Profit after taxes | € 200,812 | € 259,322 | € 264,481 | € 48,393 | ▼ 82% |
| Equity | € 430,375 | € 439,697 | € 444,178 | € 452,571 | ▲ 2% |
| Total debts | € 371,172 | € 361,929 | € 350,478 | € 166,928 | ▼ 52% |
| Cash | € 169,310 | € 241,109 | € 122,448 | € 311,181 | ▲ 154% |
| Land & buildings | € 410,477 | € 366,147 | € 338,840 | € 192,311 | ▼ 43% |
| Retained profit | € 58,375 | € 67,697 | € 72,178 | € 80,571 | ▲ 12% |
| Dividend | € 200,000 | € 250,000 | € 260,000 | € 40,000 | ▼ 85% |
| Bank debt | € 169,035 | € 111,420 | € 76,487 | € 56,231 | ▼ 26% |
| Balance sheet total | € 801,811 | € 801,846 | € 794,831 | € 619,631 | ▼ 22% |
Key figures of PHASE Insurance, fiscal years 2021 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.
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 2024: profit of € 48,393 (▼ 82% vs 2023). Source: NBB ↗
- New establishment in Sint-Agatha-Berchem. KBO
- Start of the company according to the CBE. KBO
In short
From € 200,812 profit in 2021 to € 48,393 profit in 2024.
Paid € 19,711 in corporate taxes since 2021.
Best year ever: 2023, with € 264,481 profit.
Paid out € 750,000 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
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