Turnover
≈ €420,000 estimated
The accounts state no turnover.
APOTHEEK CELIS
Lifetime
20 annual accounts with figures on one time axis, 38 filings since 1988peak €149,581 (2023)
€86,255▼ 14.3%
lowest -€42,259 (2021)
€66,294▼ 27.5%
peak €119,438 (2025)
€119,438▲ 3.3%
€252,058▲ 43.2%
peak 2 FTE (2006)
-not published
Board2 names since 2018
1 directorVAN LOO
Owners
92%VAN LOO
Documentsfilings and deeds
27-08-202627 days late
2025financial year
Gross margin from €100,609 to €86,255Result from €91,393 to €66,294Debts from €175,962 to €252,058Investments €7,415Cash from €96,283 to €169,240
Key points
from the 2025 annual accountsInvestments
€7,415 4.2 × depreciation
Green is investment, beige is depreciation. Machinery stands 390.2% higher than in 2024.
Filings
38 annual accounts since 1988
Three of the last ten came late. The 2019 accounts came latest: 31 days after the end of the period.
Checked score
94
Excellent
Financially stronger than 60% of micro companies in retail trade (NACE 47)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,271 companies (NACE 47, micro).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.2%▲ +0.1 percentage points vs 06-2025
08-2025: 0.3%▲ +0.1 percentage points vs 07-2025highest value
09-2025: 0.1%▼ -0.2 percentage points vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025lowest value
02-2026: 0.1%● unchanged vs 01-2026lowest value
03-2026: 0.1%● unchanged vs 02-2026lowest value
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.3%▲ +0.2 percentage points vs 07-2026
09-2026: 0.1%▼ -0.2 percentage points vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Sector: Retail trade (NACE 47)
Profit of €66,294 (financial year 2025)
lowers risk
Liquidity: current ratio 1.46, cash €169,240
Founded in 1987
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 48% of them on solvency, 71% on liquidity, 73% on profitability and 48% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 31,368 companies had the same profile as APOTHEEK CELIS has now. Each dot stands for 79 companies, two years later.
93.5%
were still trading
5.9%
stopped another way
0.5%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of APOTHEEK CELIS itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 31,368 companies, not a prediction for APOTHEEK CELIS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €11,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.46 (1.69 in 2024), below the usual 1.5. Short-term debt is 67.1% and cash 45.6% of total assets. 67.8% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 27 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
27 days late
2024
29 days late
2023
15 days early
2022
32 days early
2021
48 days early
2020
47 days early
2019
31 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 8 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 17 July (4 of the last 5 accounts filed within 41 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
1 director resigning, 1 reappointment
Resignation: VAN LOO Guy Henri · Reappointment: VAN LOO · Permanent representative: VAN LOO Julie · General meeting of 01-06-2023 · Gazette deed
Reappointment: Van Loo bvba (managing director)
Permanent representative: Van Loo Julie · General meeting of 02-01-2018 · Gazette deed
First establishment
Dorpskring 10, Lubbeek
Incorporation
published on 24-12-1987 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| APOTHEEK CELIS Lubbeek | €371,497 | €86,255 | 32.2% | - |
| Apotheek Dampoort Bruges | €357,644 | €92,818 | 55.0% | 0.9 |
| Apotheek C. & M. De Hondt Liedekerke | €413,288 | €95,782 | 29.6% | 1 |
| APOTHEEK SPRUYT ERPS-KWERPS Kortenberg | €320,775 | €93,039 | 22.3% | 0 |
| Pharmacie Avena Berchem-Sainte-Agathe | €352,829 | €90,892 | 81.9% | - |
| APOTHEEK CREYNS Hasselt | €360,057 | €77,837 | 90.2% | 0 |
| VEREENOOGHE HGL Hooglede | €395,388 | €91,880 | 11.6% | 1.1 |
These companies have the same main activity as APOTHEEK CELIS: retail sale of pharmaceutical products (NACE 47730). They are comparable in size and age: total assets between €321,000 and €413,000, founded between 1982 and 1992.
Official details
Source: KBO- Status
- Active since 01-12-1987Normal situation
- Activity
- Retail sale of pharmaceutical productsNACE 47730and 3 others
- Establishment unit
- 2.031.729.5343210 Lubbeek, since 14-12-1987
- Financial year end
- 31 December
- Peppol
- Reachable
Insights on APOTHEEK CELIS
Solvency fell in 2025 from 39.7% to 32.2%.
VAN LOO holds 92% of the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about APOTHEEK CELIS
- What is the company number of APOTHEEK CELIS?
- The company number of APOTHEEK CELIS is 0432.657.909. The VAT number is the same number with BE in front: BE 0432.657.909.
- Where is APOTHEEK CELIS based?
- The registered office is at Dorpskring 10, 3210 Lubbeek.Company details
- What does APOTHEEK CELIS do?
- According to the KBO register, the main activity is retail sale of pharmaceutical products (NACE 47730).
- What is the legal form of APOTHEEK CELIS?
- APOTHEEK CELIS is a public limited company (NV).
- When was APOTHEEK CELIS founded?
- APOTHEEK CELIS was founded on 01-12-1987.
- Is APOTHEEK CELIS still active?
- Yes, APOTHEEK CELIS is an active enterprise in the KBO register.
- How many employees does APOTHEEK CELIS have?
- APOTHEEK CELIS had an average of 0.3 full-time equivalents in financial year 2023, according to the filed annual accounts.Financials
- What is the turnover of APOTHEEK CELIS?
- The turnover in financial year 2025 is ≈ €420,000. This figure is estimated from the gross margin of €86,255 and 74 comparable companies (NACE 477). It probably lies between €210,000 and €610,000.
- Is APOTHEEK CELIS profitable?
- In financial year 2025, APOTHEEK CELIS made a profit of €66,294.
- Where can I find the annual accounts of APOTHEEK CELIS?
- APOTHEEK CELIS filed 38 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of APOTHEEK CELIS due?
- APOTHEEK CELIS must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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