Apotheek Verfaillie
ActiveSummary
Apotheek Verfaillie has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €386k and a net result of €-56k. Equity is shrinking by ~6.4% per year across the filed fiscal years. Its solvency ranks better than 83% of 4157 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability6▼-69
Solvency96▲+9
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 3.6 against 3.99 in 2024; short-term debt: 26.1% and cash: 14.3% of total assets), and 29.4% 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
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 · 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 →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
13 d early
2023
19 d early
2022
3 d late
2021
3 d early
2020
9 d late
2019
6 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-56k
2024 · €34k
2019: €-26k
2020: €-21k
2021: €-98k
2022: €4k
2023: €-58k
2024: €34k
2019 → 2025
Working capital
€371k▲ 75.9%
2024 · €211k
2019: €386k
2020: €359k
2021: €278k
2022: €34k
2023: €181k
2024: €211k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€462k-€466k▲ 1.0%€408k▼ 12.5%€442k▲ 8.5%€386k▼ 12.7%
Operating result€-22k-€5k€-11k€44k€-45k
Net result€-98k-€4k€-58k€34k€-56k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €45k after €44k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €547k
Fixed assets
€33k ▼ 92.3%
Current assets
€514k ▲ 82.5%
Equity and liabilities €547k
Equity
€386k ▼ 12.7%
Debt
€161k ▼ 40.4%
Debt's share of the balance-sheet total falls from 37.9% to 29.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-33k▼
2024 · €70k
Cash flow
€-44k▼
2024 · €61k
Current ratio
3.60▼
2024 · 3.99
Quick ratio
2.57▲
2024 · 1.88
Debt to equity
0.42▼
2024 · 0.61
ROE
-14.5%▼
2024 · 7.8%
ROA
-10.2%▼
2024 · 4.8%
Interest coverage
-2.69▼
2024 · 6.60
Debt ≤ 1 year
€143k▲
2024 · €71k
Debt > 1 year
€16k▼
2024 · €197k
Income taxes
€255▼
2024 · €278
Staff costs
€85k▲
2024 · €52k
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 · 60 lines
Balance sheet
Code20242025
Assets
Total assets20/58€712k€547k▼
Fixed assets21/28€430k€33k▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€430k€33k▼
Land and buildings22€389k€0▼
Plant, machinery and equipment23€6k€5k▼
Furniture and vehicles24-€3k
Leasing and similar rights25€36k€25k▼
Current assets29/58€282k€514k▲
Stocks and contracts in progress3€149k€147k▼
Stocks30/36€149k€147k▼
Amounts receivable within one year40/41€40k€260k▲
Trade receivables40€22k€106k▲
Other amounts receivable41€18k€154k▲
Current investments50/53€8k€8k=
Cash at bank and in hand54/58€43k€78k▲
Deferred charges and accrued income490/1€42k€22k▼
Equity and liabilities
Total equity and liabilities10/49€712k€547k▼
Equity10/15€442k€386k▼
Contributions10/11€249k€249k=
Capital10€249k€249k=
Issued capital100€249k€249k=
Reserves13€193k€193k=
Non-distributable reserves130/1€25k€25k=
Legal reserve130€25k€25k=
Distributable reserves133€168k€168k=
Profit (loss) carried forward14-€-56k
Amounts payable17/49€270k€161k▼
Amounts payable after more than one year17€197k€16k▼
Financial debts170/4€197k€16k▼
Amounts payable within one year42/48€71k€143k▲
Current portion of amounts payable after more than one year42€33k€10k▼
Trade debts44€29k€123k▲
Suppliers440/4€29k€123k▲
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€8k€9k▲
Taxes450/3€279€243▼
Remuneration and social security454/9€7k€9k▲
Other amounts payable47/48€849€0▼
Accrued charges and deferred income492/3€2k€3k▲
Income statement
Code20242025
Remuneration, social security and pensions62€52k€85k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€12k▼
Other operating charges640/8€5k€7k▲
Non-recurring operating charges66A-€89k
Gross operating margin9900€127k€147k▲
Operating profit (loss)9901€44k€-45k▼
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€11k€12k▲
Recurring financial charges65€11k€12k▲
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903€35k€-56k▼
Income taxes67/77€278€255▼
Profit (loss) for the period9904€34k€-56k▼
Profit (loss) for the period to be appropriated9905€34k€-56k▼
Appropriation of the result
Profit (loss) to be appropriated9906€34k€-56k▼
Transfer from equity791/2€0-
Transfer to equity691/2€34k€0▼
To other reserves6921€34k€0▼
Social balance
Average headcount (FTE)90870.81.6▲
The notes to these accounts (24 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €34k
Net result €34k after one loss-making year.
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 3 days late
31-03
Financial
Back to profitnet €4k
Net result €4k after 3 loss-making years.
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
31-03
Financial
Weakest financial yearnet €-98k
Net result drops to €-98k, the lowest in the series; recovery starts the following year.
2020
09-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 9 days late
2019
25-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
02-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
23-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
13-09
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
10 acts for this company are 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, Tielt · 1 establishment unit since 1991
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.
Ieperstraat 3-58700 TieltGround area
378 m²
Parcel 37015K0926/00R000, Flanders. Linked by address, not a title deed.
1 establishment unit
Apotheek Verfaillie
since 19912.053.147.728
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37015K0926/00R000 | Flanders | 378 m² | - | - |
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.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesBuggenhout
Tielt2.053.147.728
Similar companies · same sector, comparable size
APOTHEEK VERSTRAETE
BE 0432.663.055
Kortrijk · Eq €386,320
LES PHARMACIES RURALES
BE 0444.082.628
Celles (lez-Tournai) · Eq €386,595
Pharma Boulevard
BE 0761.844.730
Lier · Eq €385,603
GILIS-SEGERS
BE 0459.276.588
Tienen · Eq €385,384
DEMAPHARMA
BE 0885.178.745
Ottignies-Louvain-la-Neuve · Eq €385,336
Of 5,220 companies in sector 47730 we hold annual accounts for 3,861. 3,444 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 formPublic limited company
Founded25-05-1991
Fiscal year end31-12
Abbreviation NL
BAUW
Activities, NACEBEL 2025
47730Retail sale of pharmaceutical products
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.