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APOTHEEK RENARD

Active
Public limited companyfounded 1989active for 37 yearsSpeldenstraat 14, 8940 Wervik, BelgiumKBO/BCE: BE 0438.719.518
Summary

APOTHEEK RENARD has been active since 1989 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €425,783 and a net result of €55,097. Equity has been growing by about 12% per year since 2019. Its solvency ranks better than 74% of 12,757 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 30-10-1989 Normal situation
Activity
Retail sale of pharmaceutical products NACE 47730and 1 other
Establishment unit
2.045.607.165 8940 Wervik, since 15-11-1989
Financial year end
30 September
Peppol
Reachable since 14-05-2025

Board and ownership

Board

Financial position

96 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Annual accounts to 30-09-2025
Gross margin
€105,867
▲ 17.2%
Turnover
≈ €490,000
estimated
Profit
€55,097
▲ 75.5%
Equity
€425,783
▲ 14.9%
Total assets
€702,358
▲ 3.0%
Filed on 30-04-2026, on time
Score breakdownraises riskSector: Retail trade (NACE 47)lowers riskSize: total assets €702,358Liquidity: current ratio 1.39, cash €158,302Founded in 1989Show the evidence

Checked score

Score 2025
96 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 69% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Strong
Solvency 86+7
equity 60.6% of total assets
Liquidity 61+6
short-term debt 38.1% · cash 22.5%
Profitability 79+8
return on assets 7.8%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,272 companies, NACE 47, micro)
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: 0.3%▲ +0.2 percentage points vs 04-2025highest value 06-2025: < 0.1%▼ -0.3 percentage points vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged 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 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: 0.1%▲ +0.1 percentage points vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: < 0.1%▼ -0.1 percentage points vs 05-2026lowest value 07-2026: < 0.1%● unchanged vs 06-2026lowest value 08-2026: < 0.1%● unchanged vs 07-2026lowest value 09-2026: < 0.1%● unchanged vs 08-2026lowest value 10-2026: < 0.1%● unchanged vs 09-2026 11-2026: < 0.1%● unchanged vs 10-2026
Credit of up to €40,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.39 (1.23 in 2024), below the usual 1.5. Short-term debt is 38.1% and cash 22.5% of total assets. 39.4% of the assets are financed with debt and provisions.
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 73% of them on solvency, 67% on liquidity, 68% on profitability and 67% on growth.

The bankruptcy probability was computed on 01-11-2026 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.

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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €702,358
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Liquidity: current ratio 1.39, cash €158,302
NBB · annual accounts
lowers risk · Founded in 1989
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Sector: Retail trade (NACE 47)
KBO
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
on the day
2024
on the day
2023
32 days early
2022
3 days early
2021
9 days early
2020
18 days early
2019
31 days early
← 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 13 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 financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 27 April (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
30-09-2026 year end01-11-2026 today30-04-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
  • Positive: 7 profitable years in a rowprofit 2025: €55,097 7 years View

Comparable companies

These companies have the same main activity as APOTHEEK RENARD: retail sale of pharmaceutical products (NACE 47730). They are comparable in size and age: total assets between €678,000 and €779,000, founded between 1986 and 1993.

CompanyTotal assetsGross margin
APOTHEEK RENARD Wervik€702,358€105,867
APOTHEEK CORDENIER Torhout€687,333€97,597
Pharmacie BASTIN - JEANJOT Vaux-sur-Sûre€732,146€103,965
APOTHEEK HELLINGS Olen€740,691€98,676
VERSTRAETE CHRISTINE APOTHEEK Destelbergen€706,487€114,206
Deraphar Zelzate€778,926€104,127
APOTHEEK BEYEN Houthalen-Helchteren€678,116€112,365
Full comparison

Key facts about APOTHEEK RENARD

What is the company number of APOTHEEK RENARD?
The company number of APOTHEEK RENARD is 0438.719.518. The VAT number is the same number with BE in front: BE 0438.719.518.
Where is APOTHEEK RENARD based?
The registered office is at Speldenstraat 14, 8940 Wervik.Company details
What does APOTHEEK RENARD do?
According to the KBO register, the main activity is retail sale of pharmaceutical products (NACE 47730).
What is the legal form of APOTHEEK RENARD?
The legal form of APOTHEEK RENARD is Public limited company (NV).
When was APOTHEEK RENARD founded?
APOTHEEK RENARD was founded on 30-10-1989.
Is APOTHEEK RENARD still active?
Yes, APOTHEEK RENARD is an active enterprise in the KBO register.
What is the turnover of APOTHEEK RENARD?
The turnover in financial year 2025 is ≈ €490,000. This figure is estimated from the gross margin of €105,867 and 51 comparable companies (NACE 477). It probably lies between €340,000 and €960,000.Financials
Is APOTHEEK RENARD profitable?
In financial year 2025, APOTHEEK RENARD made a profit of €55,097.
Where can I find the annual accounts of APOTHEEK RENARD?
APOTHEEK RENARD filed 36 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of APOTHEEK RENARD due?
APOTHEEK RENARD must file the annual accounts for financial year 2026 by 30-04-2027.Timeline

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