For His Royal Highness Prince Alwaleed bin Talal, the Executive Chairman of the Kingdom Holding Company and the Alwaleed Philanthropies
In Letters2KingM6, you will find the story of the Dimah family bakery in Zaventem. They are partially Moroccans and partially Algerians, through the mother who is at the head of the family.
Her name is Fatna, and she is a highly generous and sweet woman with a heart bigger than herself. She is a activist in the mind, but in business she does everything in the name of the Allmighty Allah. “God is the only reason why this business is still turning”, she taught me.
This Moroccan-Algerian bakery shop in my former neighborhood, was a victim of the bad functioning of their accountant who was late in submitting the income statement to the tax authorities, through which they got fined severely.
The fine was (made up) so high that they started failing the payment of other important bills related to the social security who also began to fine them in merciless ways. Their most important priority became to keep selling bread and to keep the shop open. They kept on spending money on the ingredients rather than on paying the bills.
The case went to the Brussels commercial tribunal where the curator had seized the bakery. The family who was running the bakery was obliged to buy their shop back from the curator for an amount around 30 000 euro.
The problems occurred around 2008 and in 2013 they were still paying off the fine, every time with the threat of a seizure if they didn’t pay on time.
They were actually paying the cost of three bakery shops while owning none,
- There is the one which the curator has taken over on paper, for which they pay the fine
- There is the physcial property which they took over from someone else, for which they pay off the bank credit
- There is the bakery operation which they need to run on a daily basis, for paying the two other virtual bakeries.
For keeping the shop open they need to buy the basic materials such as, flower, milk, eggs, sugar, oils, butters, chocolate, and fruits, for instance, for which they bought machines, like a brand new oven. They pay workers, and the maintenance of the machines and the cooling house where they store the fruits, such as the very delicate strawberries, and a stock of pastries.
My conclusion was that the whole of Belgium was making money from this bakery except the Dimah family. It pushed the youngest daughter in the family who was employed in the shop, to find a job somewhere else. In this way she could apply for unemployment benefits, when out of work. At the family bakery, she was simply not getting paid, and this while her parents took her out of school a few years earlier, for helping her brother in the business .
They were working for paying everybody
That is what I analyzed from a financial viewpoint. The family in question didn’t develop a technical financial view of the business in this way by themselves, and this is what we need to change in the education system.
We need more financial thinkers !
They didn’t even suspect the financial conspiracy to bankrupt them, while they were supporting a growing number of bakeries on paper.
Worse than this : they were actually accepting this situation as a way of life in this country, like many Moroccan families in Belgium who are sinking in debts.
If they close the shop, they would still have to finish paying off the two shops on paper. Selling the shop is also a problem, because nobody is going pay the price of three shops while getting only one.
They have no choice but to accept the slavery
What makes the bakery accept giving their money away to the Belgian State and to the bank (which is the same in this country) is that they were using the cashflow for paying emergencies, such as the sudden registered letters demanding an immediate payment, particularly those from bailiff Dirk Duflou, who had a violent argument with the baker. “Next time when you step in my bakery I will do something to you”, the angry young man shouted to him.
As they delay the payment of one thing to pay off something else, they resort to paying with the cashflow the delivery to their door of the basic materials, which is also wrong. This is something which the banks should pay for the business, until the business repays the bank.
With the kind of debts that they accumulated with the late payment of the bills, with the bailiffs, the lawyers and everything which has nothing to do with the bakery, the bank will tell them “NO“, all the more that the curator has already seized everything which is interesting for the banks.
That is how doing business in Belgium is like
I was glad that the mother of the Dimah house spoke to me honestly about the true situation of the bakery. She also demanded that I don’t tell it on, as it will make the baker look bad. She was right that they are making her bakery look like he is a very bad one, indeed by creating additional costs unrelated to the talents of the baker. I am also being made look very bad because I also function with too many restrictions to cope with on one single day. However, not talking about it is not going to make the bakery look better. This is not how you solve an investment problem.
We need to teach our people to talk about their financial difficulties unashamed, instead of being afraid to be laughed at, especially when it is not their fault. We need to unlearn the pride of hiding a financial problem. That is one reform of the education system to implement by His Excellency Mohamed Hassad, to whom I sent a letter about the multidimensional investment portfolio.
We need to work on attitudes. We have an awful lot of work when it comes to the attitude of the Moroccan people. My upcoming letter to the Istiqlal Party is also about attitude. That letter will be about the bad attitude of André Azoulay in a leadership position, causing the subordinates to follow his example.
I was too revolted by the bad financial situation occurring to very good people that I couldn’t stay quiet about this. The situation comes from very bad people with a very good financial situation, such as His Excellency André Azoulay,
How come that the Belgian bakeries are more successful than the Moroccan bakeries ? How come that they have nicer and warmer shops with employees who wear fashionable aprons with the name of the shop and with colors that match the decoration of the shop ? How come that they have nicer paper bags for packaging the bread, with the name of the baker printed on it ? They have nicer boxes for packaging the tarts and for transforming the cakes into irresistible gifts. Why ?
The Dimah bakery uses paper bags with publicity for hart association, for eating more pro-corn bread, for the cancer-research, for the animal protection, and for making gifts for the handicapped people. Buying boxes for them is a challenge especially for the very big cakes like the wedding cakes. The baker himself does deliveries on foot,
How come that the Belgian bakeries can close for going on vacation during at least three weeks, while the Dimah family can’t escape not even for a few days ?
Where do the Belgian bakers find the money
to employ more than one worker ?
It doesn’t look like they have to buy their
shops back from the curator, does it ?
The wife of the baker told me about her salary. “They pay me, I take it out of the bank and I put it back in the cash flow”. Employing her costs per month around 1500 Euro to the social security (money for the Belgian State). More costs are added when defaulting on payments to the social security or when paying late. This would trigger the same problem like the one they had because of an accountant who failed to send their tax declaration on time to the tax authorities, Not declaring her employment would lead to the shutdown of the shop by Justice.
How come that a Belgian baker doesn’t have all these threats ?
They don’t have to employ anyone illegally, to fear control. Or do they ?
They are supported by the banks, who pay the social security and the salaries in advance to the Belgian State. They don’t get checked, even if they employ illegal migrants, because they pay on time. It’s when you fail to pay something in this country, that you attract the attention of highly interested people from the public service, like the ex-Mayor of Zaventem.
The Moroccan bakers simply don’t know that the bank provides this service to the enterprises, so they honestly pay what they can afford to pay to the worker, or they resort to employing students and interns,
I don’t have the impression that the Belgian bakers worry about paying back the banks. Living on credit is the lifestyle in this country.
They are not afraid to use credits for masking the problems. It concerns credits which some never have to pay back, while others prefer to hang themselves, when they are asked to pay it all back.
In this country you don’t go to jail for unpaid debts and for causing a bankruptcy. The accountant who didn’t submit the tax paper on time, and who triggered the legal problems for the baker to the extent that they technically lost their shop, while allowed to keep it running, deserves a big fine, but there is no financial Justice system in this country. They don’t do financial investigations here.
We need to make sure we develop a strong financial court system in our countries.
Although I would prefer to suggest to the Dimah baker to leave Belgium altogether and to start a bakery in Morocco, I advised them to sack the accountant and to increase their income, perhaps with one simple thing : to become an importer of cookies in attractive tins and to distribute that to the other bakeries. The idea is to work out a few themes that are represented by the cookies and the tins and we can work together with China, where they package cookies in tins for ages. I also thought of a mobile bakery shop, as a second shop, and of e-commerce.
For this, I sent an e-mail to the Club of Oriental Investors about the financial strain through which Dims Bakery was going and about a business idea to pull up the bakery. The e-mail must have landed on the desk of the ex-mayor of Zaventem Francis Vermeiren. A visit of the ex-mayor Vermeiren to the bakery was the principle clue that my e-mails were forwarded to the same person who copies everything I do. It is somebody in Morocco, given that shortly afterwards, I found the koffiekoek (typical Belgian rolls- being produced in Morocco, as well as trucks and helicopters for emergency health care in remote areas in Morocco, as that was easier to copy than the mobile bakery. Morocco committed millions of public funds to implementation of mobile health care services.
Of course I suspected His Excellency André Azoulay who takes any opportunity for drying up the Moroccan public funds, while leaving our people to cripple. He too is behind the crippling of the Dimah bakery through the ex-mayor, who would quietly make sure that no customers go there (who knows!), and through the Bailiff Dirk Duflou, who seems to participate in scaring the baker with seizure at least once every year. He is the same Bailiff who managed the eviction from my apartment. They are all part of one mafia which stiffles the competition from the foreigners in Belgium, from all possible sides.
This is financial terrorism
The reason why this story of the Dimah bakery is important, is because it highlight the link with the mafia of the strawberries in Morocco and that the ex-mayor of Zaventem has been playing a much bigger role for the Belgium Luxembourg Chamber of Commerce in Casablanca, for His Excellency Azoulay and for his boss Lucien Leuwenkroon. Both men and the ex-Mayor may have played a role in the Brussels Airport attacks, but the link between the men is much clearer in the strawberries that grow on stolen farmlands in Morocco, and in the illicite imports in Belgium of produce from Morocco, like the red and the blue fruits, the walnuts, the olives and olive oil,
For learning more about this link through the strawberries, may I invite you to read the letter to His Excellency Minister Aziz Akhanouch, the Moroccan Minister of Agriculture. The strawberries are likely shipped by plane to Zaventem.
In the letter to Minister Akhanouch I mentioned that I learned from others about the Chief of Police in Zaventem owning a farm in Morocco, and spending more time there while apparently he continued getting paid a salary as a police man in Zaventem. In Belgium the Mayor is the boss of the police. That is how I see a link between the farmland the the ex-mayor of Zaventem.
The link between the ex-mayor of Zaventem and Immo Leuwenkroon is also the farmland. The link between Lucien Leuwenkroon and the farmland are people like my mother, though this needs to be confirmed,
What will confirm this is the false papers, the human traffic and the illegal migration :
The ex-Mayor of Zaventem must be held responsible for the human traffic and the illegal employment of migrants on his territory, such as the employment of masses of female students from Thailand in the NH Hoteles in Diegem (Zaventem), who were working more than 14 hours a day, 6 days a week for only 200 Euro per month. This is a severe violation against the social security.
It was called “Internship” with the Erasmus program. The foreign students were sent one day per week to class at Ceria-Coovi in Anderlecht. A cross-analysis is necessary between what is known about these students at the Belgian Ministry of Foreign Affairs and what is known about the same students at the municipality of Zaventem, where they were housed, If there are mismatches, then there must be something else going on in the municipality of Zaventem which nobody discovered for so far. I do not exclude that they travel with false papers.
You know what happens with the curious cat ?
It gets trapped !
Unlike the NH Hoteles should be investigated by the social security, unlike the Sofitel Hotel chain in Europe should be investigated in the same way, for detecting social fraud. André Azoulay is the owner of the Sofitel Hotel Chain. They could be employing undocumented migrant workers, just like at NH Hotel Group in Belgium. It is probably the same.
Président des Chambres Unies et Consultant Innovation
Fondateur de Anaccell Corporation
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