Age3 yrs
Real estate1 parcel · 204 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of PHONAMI is 5.8% (elevated). The 2024 annual accounts show equity of €66k and a net result of €-1k. Its solvency ranks better than 95% of 5615 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone5.8%
Elevated
0%0,5%1,5%4%10%≥25%
Higher-failure-rate sector
+Young company
+Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
1 signal · with evidenceStrong solvency vs sector
Solvency is in the sector's strongest quartile: better than 95% of 5615 peers (2024). A comfortable equity buffer.
View the sector comparison Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 13 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-08-2025, 7 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 07-08-2025 | 7 d late | 2025-00366892 |
| 31-12-2023 | 31-07-2024 | 14-08-2024 | 14 d late | 2024-00346843 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-1k+66.0%
Working capital€66k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 07-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 56, Food & beverage service · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 99.6% | 19.3% | |
| Net result | €-1k | €4k | |
| Equity | €66k | €14k | |
| Gross operating margin | €-749 | €52k | |
| Total assets | €66k | €87k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€-1k
+66.0%
23-24
€66k
-1.2%
23-24
€66k
-1.6%
23-24
€66k
-
23-24
€296
-
23-24
€296
-
23-24
222.97
-
23-24
222.97
-
23-24
99.6%
-0.4%
23-24
0.00
-
23-24
-1.7%
+65.5%
23-24
-1.7%
+65.6%
23-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | - |
| Net profit | €-1k |
| Cash flow | - |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €66k |
| Equity | €66k |
| Debt | €296 |
| of which ≤ 1y | €296 |
| of which > 1y | - |
| Working capital | €66k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 222.97 |
| Quick ratio | 222.97 |
| Working capital ratio | 99.6% |
| Solvency | 99.6% |
| Debt / equity | 0.00 |
| Long-term debt ratio | - |
| Interest coverage | - |
| Gross margin | - |
| Net margin | - |
| ROA | -1.7% |
| ROE | -1.7% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €66k |
| Current assets | 29/58 | €66k |
| Amounts receivable within one year | 40/41 | €66k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €66k |
| Equity | 10/15 | €66k |
| Contributions / capital | 10/11 | €70k |
| Accumulated profits (losses) | 14 | €-4k |
| Amounts payable | 17/49 | €296 |
| Amounts payable within one year | 42/48 | €296 |
| Trade debts payable within one year | 44 | €296 |
| Income statement | ||
| Gross operating margin | 9900 | €-749 |
| Operating result | 9901 | €-1k |
| Financial charges | 65 | €44 |
| Result before taxes | 9903 | €-1k |
| Net result for the period | 9904 | €-1k |
| Result to be appropriated | 9905 | €-1k |
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed70
/ 100
Healthy
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
from the Crossroads BankCannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Chaussée de Waterloo(SS) 1245002 NamurEstablishment units
1 locationJIN TOU IMMO
since 20232.345.648.060
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area204 m²
Buildings1
Building footprint56 m²
Volume (LiDAR)605 m³
Tallest building12.8 m · ±4 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92108B0290/00V003 | Wallonia | 204 m² | 1 · 56 m² | 12.8 m · 4 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
2 acts Capital history · 1
16-02-2026
v3.2
All acts · 2
updated 5 months ago
2026
16-02-2026 Transaction in capital or shares
Summary:
v3.2
2023
27-03-2023 Incorporation of a new SRL
Summary:
oprichting
Analysis
Snowflake analysis
financial profile on 5 axes64
/ 100
Strong profile, led by solvency.
All 5 axes are computed from data Checked has read.
Health
70
Profitability
0
Solvency
100
Growth
58
Stability
94
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Credit advice
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We hold annual accounts for 2,912 of the 20,286 companies in this sector. 2,485 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Activiteiten van eetgelegenheden met volledige bediening56111
Primary activity highlighted.
Names & trade names
| Legal nameFR | PHONAMI |
Registered office
Chaussée de Waterloo(SS) 124
5002 Namur, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.