Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Tight liquidity NBB
Cash and receivables cover 18 % of short-term debt in 2024; threshold 65 %.
Financials
Financial year 2024
PHINAROM from Namur, company number BE0680906940, closed financial year 2024 with a result of € 6,326 after tax. For that financial year PHINAROM recorded a gross margin of € 99,971 and equity of € -24,414. Compared with financial year 2023, the result moved from € -6,367 to € 6,326. Profitable, and profit is growing. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on September 30, 2025.
€ -24,414
▲ € 6,326 vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 6,326
▲ still € 6,367 loss in 2023
Profit after tax over the fiscal year.
€ 6,487
▼ 23% vs 2023
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2024. Retained profit grew to € -30,914.
People and assets in 2024
€ 85,748
▼ 20% 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.
€ 804
▼ 36% vs 2023
Book value of vehicles, furniture and equipment.
Debts at end 2024
None
No bank loans on the last day of the fiscal year.
€ 9,198
▼ 48% vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 24,010
▼ 7% vs 2023
Taxes, VAT and social contributions still to pay.
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| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 24,898 | € 97,504 | € 110,974 | € 99,971 | ▼ 10% |
| Profit after taxes | € 18,796 | € -12,694 | € -6,367 | € 6,326 | ▲ € 12,693 |
| Equity | € -11,679 | € -24,373 | € -30,740 | € -24,414 | ▲ € 6,326 |
| Total debts | € 45,136 | € 52,795 | € 52,689 | € 43,075 | ▼ 18% |
| Cash | € 16,849 | € 10,939 | € 8,378 | € 6,487 | ▼ 23% |
| Land & buildings | € 3,395 | € 2,935 | € 3,746 | € 3,152 | ▼ 16% |
| Retained profit | € -18,179 | € -30,873 | € -37,240 | € -30,914 | ▲ € 6,326 |
| Balance sheet total | € 33,458 | € 28,421 | € 21,948 | € 18,660 | ▼ 15% |
Key figures of PHINAROM, 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 PHINAROM?
What happened at PHINAROM in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: profit of € 6,326. filed late Source: NBB ↗
- New establishment in Namur. KBO
- NATALIA BONGIOVANNI became a director. NBB
- Philippe MALAISE became a director. NBB
- Romain THOMAS became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 18,796 profit in 2021 to € 6,326 profit in 2024.
Best year ever: 2021, with € 18,796 profit.
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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
Behind PHINAROM are NATALIA BONGIOVANNI, Philippe MALAISE and Romain THOMAS.
Directors
According to the 2024 annual accounts
NATALIA BONGIOVANNI
Director
since 2017
Philippe MALAISE
Director
since 2017
Romain THOMAS
Director
since 2017
Establishments
Establishment units
Physical locations of this company
Rue du Président 13
5000 Namur
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0680.906.940
- VAT number
- BE 0680.906.940
- Registered office
- Rue du Président 13, 5000 Namur
- Names & denominations
- PHINAROM
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 11 September 2017
- Peppol
- Active · Active since 13 Nov 2025
- Activities · NACE
Activiteiten van eetgelegenheden met volledige bediening
Eetgelegenheden met volledige bediening