Apo-T-Care
ActiveThe annual accounts of Apo-T-Care for fiscal year 2025 show a net loss of 84% of the equity at the start of that year. The 2025 annual accounts show equity of €10k and a net result of €-50k. Equity is growing by ~26.3% per year across the filed fiscal years. Its solvency ranks better than 24% of 14056 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
38
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability1▼-28
Solvency28▼-2
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.92 against 1.01 in 2024; short-term debt: 95.1% and cash: 9.2% of total assets), and 97.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
2.7%
Return on assets
-13.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 14056 sector peers (2025).
NBB · sector comparisonPosition among 14056 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-09-2026, 45 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
45 d late
2024
30 d late
2023
22 d late
2022
24 d late
2021
18 d late
2020
23 d late
2019
11 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€10k▼ 83.8%
2024 · €60k
2018: €-286k
2019: €-276k
2020: €20k
2021: €39k
2022: €51k
2023: €56k
2024: €60k
2018 → 2025
Total assets
€364k▼ 67.7%
2024 · €1.13M
2018: €16k
2019: €34k
2020: €455k
2021: €559k
2022: €497k
2023: €584k
2024: €1.13M
2018 → 2025
Net result
€-50k
2024 · €4k
2018: €-48k
2019: €10k
2020: €655
2021: €19k
2022: €12k
2023: €5k
2024: €4k
2018 → 2025
Working capital
€-28k
2024 · €10k
2018: €11k
2019: €9k
2020: €10k
2021: €32k
2022: €48k
2023: €8k
2024: €10k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€39k-€51k▲ 32.1%€56k▲ 9.6%€60k▲ 6.7%€10k▼ 83.8%
Operating result€30k-€24k▼ 18.7%€21k▼ 13.9%€44k▲ 111%€-25k
Net result€19k-€12k▼ 35.0%€5k▼ 60.4%€4k▼ 23.7%€-50k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €25k after €44k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €364k
Fixed assets
€45k▼ 24.7%
Current assets
€319k▼ 70.1%
Equity and liabilities €364k
Equity
€10k▼ 83.8%
Debt
€354k▼ 66.8%
The debt ratio rises from 94.7% to 97.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-10k▼
2024 · €48k
Cash flow
€-35k▼
2024 · €9k
Solvency
2.7%▼
2024 · 5.3%
Current ratio
0.92▼
2024 · 1.01
Quick ratio
0.92▲
2024 · 0.46
Debt / equity
36.53▲
2024 · 17.78
ROE
-518.4%▼
2024 · 6.3%
ROA
-13.8%▼
2024 · 0.3%
Interest coverage
-0.41▼
2024 · 1.22
Debt
€354k▼
2024 · €1.07M
Debt ≤ 1 year
€346k▼
2024 · €1.06M
Debt > 1 year
€6k▼
2024 · €11k
Income taxes
€249▼
2024 · €271
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€1.13M€364k▼
Fixed assets21/28€60k€45k▼
Tangible fixed assets22/27€60k€45k▼
Plant, machinery and equipment23€980€764▼
Furniture and vehicles24€45k€35k▼
Leasing and similar rights25€15k€10k▼
Current assets29/58€1.07M€319k▼
Stocks and contracts in progress3€583k-
Stocks30/36€583k-
Amounts receivable within one year40/41€45k€24k▼
Trade receivables40€42k€20k▼
Other amounts receivable41€3k€4k▲
Cash at bank and in hand54/58€4k€34k▲
Deferred charges and accrued income490/1€434k€261k▼
Equity and liabilities
Total equity and liabilities10/49€1.13M€364k▼
Equity10/15€60k€10k▼
Contributions10/11€314k€314k=
Profit (loss) carried forward14€-254k€-304k▼
Amounts payable17/49€1.07M€354k▼
Amounts payable after more than one year17€11k€6k▼
Financial debts170/4€11k€6k▼
Amounts payable within one year42/48€1.06M€346k▼
Current portion of amounts payable after more than one year42€5k€5k▲
Financial debts43€825k€180k▼
Credit institutions430/8€825k€180k▼
Trade debts44€10k€10k▼
Suppliers440/4€10k€10k▼
Taxes, remuneration and social security45€620€597▼
Taxes450/3€620€597▼
Other amounts payable47/48€215k€151k▼
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€15k▲
Other operating charges640/8€942€2k▲
Gross operating margin9900€49k€-8k▼
Operating profit (loss)9901€44k€-25k▼
Financial charges65/66B€40k€25k▼
Recurring financial charges65€40k€25k▼
Profit (loss) for the period before taxes9903€4k€-50k▼
Income taxes67/77€271€249▼
Profit (loss) for the period9904€4k€-50k▼
Profit (loss) for the period to be appropriated9905€4k€-50k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-254k€-304k▼
Profit (loss) brought forward from the previous period14P€-257k€-254k▲
The notes to these accounts (7 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
14-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 45 days late
21-08
State Gazette act
Registered officeName change · Registered-office move · Statutes amendment4 facts ▸
State Gazette act
Registered office
Name change · Registered-office move · Statutes amendment4 facts ▸
- Name change, Apotheek Ruben Jolie
- Registered-office move, Steenstraat 35, 9420 Erpe-Mere
- Statutes amendment
- Power of attorney, Apo-T-Care
2025
31-12
Financial
Weakest financial yearnet €-50k ▼1437%
Net result drops to €-50k, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
31-12
Financial
Highest result since 2018net €19k ▲2825%
Net result €19k, the highest in the series.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
11-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 11 days late
2019
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 23 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Erpe-Mere · 1 establishment unit since 2008
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.
Steenstraat 359420 Erpe-MereGround area
1,867 m²
Building footprint
731 m²
Volume, LiDAR
5,529 m³
Parcel 41040B0653/00M000, Flanders · tallest building 14.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Apo-T-Care
since 20082.173.948.756
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41040B0653/00M000 | Flanders | 1,867 m² | 1 · 731 m² | 14.6 m · 3 fl. |
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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 660 EUR awarded · 660 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 660 EUR | 660 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 7,321 companies in sector 68110 we hold annual accounts for 5,382. 1,867 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-09-2008
Fiscal year end31-12
Legal name NL
Apotheek Ruben Jolie
Activities, NACEBEL
68110Buying and selling of own real estate
43990Other specialised construction activities
43995Specialised construction activities
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
82400Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.