LE PHENICIEN
ActiveLE PHENICIEN has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €13k and a net result of €713. Equity is shrinking by ~11.4% per year across the filed fiscal years. Its solvency ranks better than 63% of 13009 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
65
/ 100
Healthy▲ +52 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability36▲+36
Solvency56▲+10
Growth30▼-1
Stability100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.18 against 0.08 in 2024), and 55% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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.
NBB · 10 filingsDeviation from the deadline
2025
26 d late
2024
27 d early
2023
1 d late
2022
10 d late
2021
25 d late
2020
23 d late
2019
18 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€81k▼ 3.0%
2024 · €83k
2018: €92k
2019: €85k
2021: €52k
2022: €78k
2023: €82k
2024: €83k
2018 → 2025
EBIT margin
3.4%▲ 18.8pp
2024 · -15.5%
2018: 3.0%
2019: 1.2%
2021: 13.5%
2022: 2.7%
2023: -14.1%
2024: -15.5%
2018 → 2025
Net result
€713
2024 · €-13k
2018: €865
2019: €-1k
2021: €4k
2022: €0
2023: €-13k
2024: €-13k
2018 → 2025
Working capital
€-13k▲ 32.3%
2024 · €-19k
2018: €-1k
2019: €-2k
2021: €5k
2022: €-2k
2023: €-11k
2024: €-19k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€52k-€78k▲ 49.9%€82k▲ 6.0%€83k▲ 0.9%€81k▼ 3.0%
Equity€49k-€38k▼ 21.0%€25k▼ 34.4%€12k▼ 52.0%€13k▲ 5.9%
Operating result€7k-€2k▼ 70.1%€-12k€-13k▼ 10.8%€3k
Net result€4k-€0▼ 100%€-13k€-13k▲ 1.0%€713
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €3k after a loss of €13k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €29k
Fixed assets
€26k▼ 17.5%
Current assets
€3k▲ 56.8%
Equity and liabilities €29k
Equity
€13k▲ 5.9%
Debt
€16k▼ 24.8%
The debt ratio falls from 63.3% to 55.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€8k▲
2024 · €-5k
Cash flow
€6k▲
2024 · €-6k
Solvency
45.0%▲
2024 · 36.7%
Current ratio
0.18▲
2024 · 0.08
Quick ratio
0.09▲
2024 · 0.02
Debt / equity
1.22▼
2024 · 1.72
ROE
5.6%▲
2024 · -108.2%
ROA
2.5%▲
2024 · -39.7%
Interest coverage
6.11▲
2024 · -7.96
Debt
€16k▼
2024 · €21k
Debt ≤ 1 year
€16k▼
2024 · €21k
Income taxes
€653▲
2024 · €230
Staff costs
€1k▼
2024 · €21k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€33k€29k▼
Fixed assets21/28€31k€26k▼
Tangible fixed assets22/27€31k€26k▼
Land and buildings22€8k€7k▼
Plant, machinery and equipment23€13k€12k▼
Furniture and vehicles24€10k€7k▼
Current assets29/58€2k€3k▲
Stocks and contracts in progress3€1k€1k=
Stocks30/36€1k€1k=
Amounts receivable within one year40/41€488€416▼
Other amounts receivable41€488€416▼
Cash at bank and in hand54/58-€1k
Equity and liabilities
Total equity and liabilities10/49€33k€29k▼
Equity10/15€12k€13k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-8k€-8k▲
Amounts payable17/49€21k€16k▼
Amounts payable within one year42/48€21k€16k▼
Financial debts43€7k€4k▼
Credit institutions430/8€7k€4k▼
Trade debts44€7k€2k▼
Suppliers440/4€7k€2k▼
Taxes, remuneration and social security45€775€4k▲
Taxes450/3€775€4k▲
Other amounts payable47/48€6k€6k▲
Income statement
Code20242025
Turnover70€83k€81k▼
Goods, raw materials, services and sundry goods60/61€68k€69k▲
Remuneration, social security and pensions62€21k€1k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€5k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€18k€11k▼
Operating profit (loss)9901€-13k€3k▲
Financial income75/76B€667-
Recurring financial income75€667-
Financial charges65/66B€667€1k▲
Recurring financial charges65€667€1k▲
Profit (loss) for the period before taxes9903€-13k€1k▲
Income taxes67/77€230€653▲
Profit (loss) for the period9904€-13k€713▲
Profit (loss) for the period to be appropriated9905€-13k€713▲
Appropriation of the result
Profit (loss) to be appropriated9906€-13k€-8k▲
Profit (loss) brought forward from the previous period14P-€-8k
Transfer from equity791/2€5k-
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Back to profitnet €713
Net result €713 after 3 loss-making years.
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 1 day late
2023
31-12
Financial
Weakest financial yearnet €-13k
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 10 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
31-12
Financial
Liquidity times 5current ratio 2.84
Current ratio from 0.57 to 2.84; short-term debt falls from €6k to €3k.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
18-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 18 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
11-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 72 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2023
CHÉRIF Lazhar
CurrentAdministrateur statutaire · since 20-12-2023
20-12-2023
CHÉRIF Lazhar: Appointed as Administrateur statutaire
20-12-2023
AHMED Chorfi: Resigned as Gérant statutaire
Location & real-estate footprint
Registered office, Mouscron · 1 establishment unit since 1992
Cannot 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.
Rijselsteenweg 2687700 MouscronGround area
188 m²
Building footprint
45 m²
Parcel 54435G0704/00W000, Wallonia. Linked by address, not a title deed.
1 establishment unit
LE PHENICIEN
since 19922.057.634.274
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54435G0704/00W000 | Wallonia | 188 m² | 1 · 45 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
S&G
BE 0768.526.248
Wijnegem · Eq €13k
Graan academie
BE 0774.451.859
Antwerpen · Eq €13k
K2C
BE 0546.548.181
Brussel · Eq €13k
MY SAY
BE 0505.793.038
Elsene · Eq €13k
PACLA
BE 0891.486.715
Vorselaar · Eq €13k
Of 20,234 companies in sector 56111 we hold annual accounts for 11,308. 7,660 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-06-1992
Fiscal year end31-12
Activities, NACEBEL
55301
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.