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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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 7 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Phin-Holding from Gent, company number BE1000326455, closed financial year 2025 with a result of € -15,356 after tax. For that financial year Phin-Holding recorded a gross margin of € 87,555 and equity of € 1.1 million. Compared with financial year 2024, the result moved from € -13,402 to € -15,356. The company made a loss. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on June 18, 2026.
€ 1.1 million
▼ 1% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -15,356
▼ 15 % more loss than in 2024
Profit after tax over the fiscal year.
€ 22,779
▼ 33% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -28,758.
Debts at end 2025
€ 1.5 million
▼ 13% vs 2024
€ 264,922 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 496
Supplier invoices still open on the last day of the fiscal year.
€ 4,776
▼ 63% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|
| Gross margin | € 36,938 | € 87,555 | ▲ 137% |
| Profit after taxes | € -13,402 | € -15,356 | ▼ € 1,953 |
| Equity | € 1,133,298 | € 1,117,942 | ▼ 1% |
| Total debts | € 2,926,635 | € 2,958,412 | ▲ 1% |
| Cash | € 34,048 | € 22,779 | ▼ 33% |
| Retained profit | € -13,402 | € -28,758 | ▼ € 15,356 |
| Bank debt | € 1,789,374 | € 1,548,809 | ▼ 13% |
| Balance sheet total | € 4,059,933 | € 4,076,353 |
Key figures of Phin-Holding, fiscal years 2024 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 Phin-Holding?
What happened at Phin-Holding in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 15,356. Source: NBB ↗
- New establishment in Gent. KBO
- Inge Craeyeveld became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 13,402 loss in 2024 to € 15,356 loss in 2025.
Management
Behind Phin-Holding is Inge Craeyeveld. It owns 100% of Freco Retail, 100% of Phin-Meat, 100% of Phin-Carne, 100% of Phin-Food, 100% of Freco Meat and 100% of Phin-Market itself.
Directors
According to the 2025 annual accounts
Inge Craeyeveld
Director
Also active at: PHIN-MARKET, Freco Retail, PHIN-FOOD, PHIN-MEAT, C-INVEST, Phin-Carne, Freco Meat
since 2023
Establishments
Establishment units
Physical locations of this company
Deinse Horsweg 44
9031 Gent
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 3 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
- 1000.326.455
- VAT number
- BE 1000.326.455
- Registered office
- Deinse Horsweg 44, 9031 Gent
- Names & denominations
- Phin-Holding
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 26 September 2023
- Peppol
- Active · Active since 19 Dec 2025
- Activities · NACE
Activiteiten van holdings
Holdings