PHONAMI
ActiveSummary
The computed 12-month bankruptcy probability of PHONAMI is 4.9% (elevated). The 2025 annual accounts show equity of €64,607 and a net result of -€1,096. Equity remains stable across the filed fiscal years (±1.7% per year). Its solvency ranks better than 95% of 13617 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
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Signals
This company filed its last 3 accounts on average 15 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% of the sector filed late.
Checked, nothing found (2)
History
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Financials · fiscal year 2025, micro schema
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Peer companies
Historical observationOf the 2,146 companies that looked in July 2024 the way this one looks now, 2.2% went bankrupt within 24 months and 92% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a small loss
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 4.9% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,146 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Other operating charges640/8 | - | €296 | €387 | ▲ 30.9% |
| Gross operating margin9900 | -€2,482 | -€749 | -€1,005 | ▼ 34.1% |
| Operating profit (loss)9901 | -€2,482 | -€1,045 | -€1,392 | ▼ 33.2% |
| Financial income75/76B | - | - | €296 | - |
| Recurring financial income75 | - | - | €296 | - |
| Non-recurring financial income76B | - | - | €296 | - |
| Financial charges65/66B | €726 | €44 | - | - |
| Recurring financial charges65 | €726 | €44 | - | - |
| Profit (loss) for the period before taxes9903 | -€3,208 | -€1,090 | -€1,096 | ▼ 0.6% |
| Profit (loss) for the period9904 | -€3,208 | -€1,090 | -€1,096 | ▼ 0.6% |
| Profit (loss) for the period to be appropriated9905 | -€3,208 | -€1,090 | -€1,096 | ▼ 0.6% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €66,792 | €65,999 | €65,999 | = |
| Current assets29/58 | €66,792 | €65,999 | €65,999 | = |
| Amounts receivable within one year40/41 | €65,500 | €65,999 | €65,999 | = |
| Other amounts receivable41 | €65,500 | €65,999 | €65,999 | = |
| Cash at bank and in hand54/58 | €1,292 | - | - | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €66,792 | €65,999 | €65,999 | = |
| Equity10/15 | €66,792 | €65,703 | €64,607 | ▼ 1.7% |
| Contributions10/11 | €70,000 | €70,000 | €70,000 | = |
| Profit (loss) carried forward14 | -€3,208 | -€4,297 | -€5,393 | ▼ 25.5% |
| Amounts payable17/49 | - | €296 | €1,392 | ▲ 370% |
| Amounts payable within one year42/48 | - | €296 | €1,392 | ▲ 370% |
| Trade debts44 | - | €296 | - | - |
| Suppliers440/4 | - | €296 | - | - |
| Other amounts payable47/48 | - | - | €1,392 | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | -€3,208 | -€1,090 | -€1,096 | ▼ 0.6% |
| Operating cash flow (approximation) | -€3,208 | -€1,090 | -€1,096 | ▼ 0.6% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Directors · office · real estate
1 establishment unit
1 parcel
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92108B0290/00V003 | Wallonia | 204 m² | 1 · 56 m² | 12.8 m · 4 fl. |
Linked by address, not proof of ownership
Similar companies · same sector, comparable size
Identification & contact
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.