Apotheek De Ridder-Cloet
ActiveSummary
Apotheek De Ridder-Cloet has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.04M and a net result of €176k. Equity is growing by ~5.7% per year across the filed fiscal years. Its solvency ranks better than 89% of 10359 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▲+4
Solvency100▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €85k at 30 days acceptable
Liquidity ample (current ratio 4.45 against 2.79 in 2024; short-term debt: 18.4% and cash: 16.8% of total assets), and 20.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
79.9%
Return on assets
13.5%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 23-12-2025, 39 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
39 d early
2024
1 d early
2023
15 d early
2022
on the day
2021
on the day
2020
3 d early
2019
4 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.04M▲ 6.2%
2024 · €984k
2019: €749k
2020: €784k
2021: €839k
2022: €911k
2023: €870k
2024: €984k
2019 → 2025
Total assets
€1.31M▼ 10.0%
2024 · €1.45M
2019: €1.34M
2020: €1.19M
2021: €1.25M
2022: €1.28M
2023: €1.31M
2024: €1.45M
2019 → 2025
Net result
€176k▲ 16.6%
2024 · €151k
2019: €74k
2020: €35k
2021: €55k
2022: €115k
2023: €93k
2024: €151k
2019 → 2025
Working capital
€828k▲ 5.9%
2024 · €782k
2019: €478k
2020: €501k
2021: €583k
2022: €681k
2023: €622k
2024: €782k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€839k-€911k▲ 8.7%€870k▼ 4.5%€984k▲ 13.0%€1.04M▲ 6.2%
Operating result€67k-€147k▲ 121%€132k▼ 10.4%€226k▲ 71.2%€250k▲ 10.7%
Net result€55k-€115k▲ 108%€93k▼ 18.8%€151k▲ 62.6%€176k▲ 16.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 11% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.31M
Fixed assets
€240k ▲ 1.7%
Current assets
€1.07M ▼ 12.3%
Equity and liabilities €1.31M
Equity
€1.04M ▲ 6.2%
Provisions
€22k ▼ 17.9%
Debt
€241k ▼ 45.6%
Debt's share of the balance-sheet total falls from 30.5% to 18.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€296k▲
2024 · €288k
Cash flow
€222k▲
2024 · €213k
Current ratio
4.45▲
2024 · 2.79
Quick ratio
3.27▲
2024 · 2.14
Debt to equity
0.23▼
2024 · 0.45
ROE
16.9%▲
2024 · 15.4%
ROA
13.5%▲
2024 · 10.4%
Interest coverage
34.00▼
2024 · 39.30
Debt ≤ 1 year
€240k▼
2024 · €436k
Debt > 1 year
€0▼
2024 · €5k
Income taxes
€100k▲
2024 · €85k
Staff costs
€241k▲
2024 · €211k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 61 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.45M€1.31M▼
Fixed assets21/28€236k€240k▲
Tangible fixed assets22/27€236k€240k▲
Land and buildings22€168k€148k▼
Plant, machinery and equipment23€19k€21k▲
Furniture and vehicles24€48k€71k▲
Current assets29/58€1.22M€1.07M▼
Amounts receivable after more than one year29€30k€0▼
Other amounts receivable291€30k€0▼
Stocks and contracts in progress3€284k€284k▼
Stocks30/36€284k€284k▼
Amounts receivable within one year40/41€141k€173k▲
Trade receivables40€134k€164k▲
Other amounts receivable41€7k€10k▲
Current investments50/53€468k€383k▼
Cash at bank and in hand54/58€288k€220k▼
Deferred charges and accrued income490/1€6k€7k▲
Equity and liabilities
Total equity and liabilities10/49€1.45M€1.31M▼
Equity10/15€984k€1.04M▲
Contributions10/11€50k€50k=
Reserves13€934k€994k▲
Tax-exempt reserves132€52k€42k▼
Distributable reserves133€882k€952k▲
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16€27k€22k▼
Deferred taxes168€27k€22k▼
Amounts payable17/49€443k€241k▼
Amounts payable after more than one year17€5k€0▼
Financial debts170/4€5k€0▼
Amounts payable within one year42/48€436k€240k▼
Current portion of amounts payable after more than one year42€3k€0▼
Trade debts44€313k€114k▼
Suppliers440/4€313k€114k▼
Taxes, remuneration and social security45€53k€57k▲
Taxes450/3€23k€28k▲
Remuneration and social security454/9€30k€29k▼
Other amounts payable47/48€67k€69k▲
Accrued charges and deferred income492/3€2k€1k▼
Income statement
Code20242025
Non-recurring operating income76A€0€12k▲
Remuneration, social security and pensions62€211k€241k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€62k€45k▼
Other operating charges640/8€6k€5k▼
Gross operating margin9900€505k€542k▲
Operating profit (loss)9901€226k€250k▲
Financial income75/76B€7k€30k▲
Recurring financial income75€7k€30k▲
Financial charges65/66B€7k€9k▲
Recurring financial charges65€7k€9k▲
Profit (loss) for the period before taxes9903€226k€272k▲
Transfer from deferred taxes780€11k€5k▼
Income taxes67/77€85k€100k▲
Profit (loss) for the period9904€151k€176k▲
Transfer from tax-exempt reserves789€21k€9k▼
Profit (loss) for the period to be appropriated9905€173k€186k▲
Appropriation of the result
Profit (loss) to be appropriated9906€173k€186k▲
Transfer from equity791/2€38k€116k▲
Transfer to equity691/2€173k€186k▲
To other reserves6921€173k€186k▲
Profit to be distributed694/7€38k€116k▲
Return on contributions (dividend)694€38k€116k▲
Social balance
Average headcount (FTE)90873.23.7▲
The notes to these accounts (15 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
2025
23-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
30-06
Financial
Highest result since 2019net €176k ▲16.6%
Operating result €250k, net result €176k, both a record.
30-06
Financial
Equity above €1MEq €1.04M ▲6.2%
7 profitable years in a row build equity to €1.04M.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
16-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Weakest financial yearnet €35k ▼52.9%
Net result drops to €35k, the lowest in the series; recovery starts the following year.
27-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
07-02
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 7 days late
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
19-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Sint-Gillis-Waas · 1 establishment unit since 2006
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.
Kronenhoekstraat(SGW) 99170 Sint-Gillis-WaasGround area
769 m²
Building footprint
542 m²
Volume, LiDAR
2,182 m³
2 parcels, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kronenhoekstraat(SGW) 36, 9170 Sint-Gillis-Waas
since 20062.152.950.731
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46020C0540/00H000 | Flanders | 534 m² | 1 · 194 m² | 8.7 m |
| 46020E0216/00L000 | Flanders | 235 m² | 1 · 348 m² | 10.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 · 3,090 EUR awarded · 3,090 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 3,090 EUR | 3,090 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Gillis-Waas2.152.950.731
Similar companies · same sector, comparable size
APOTEEK SERMEUS
BE 0429.117.409
Zemst · Eq €1,041,449
PHARMACIE MOLITOR-MEIRLAEN
BE 0876.905.635
Viroinval · Eq €1,041,420
Apotheek Vanoost
BE 0897.372.536
Aalst · Eq €1,040,861
Apotheek Hooijmaaijer BV
BE 0841.905.065
Sint-Katelijne-Waver · Eq €1,048,029
Pharma2Care
BE 0427.391.896
Zuienkerke · Eq €1,040,340
Of 5,220 companies in sector 47730 we hold annual accounts for 3,861. 2,979 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-03-2006
Fiscal year end30-06
Activities, NACEBEL 2025
47730Retail sale of pharmaceutical products
47741Retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses
47750Retail sale of cosmetics and toilet articles
86910Medical imaging and medical laboratories
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.