BEPHAR
ActiveSummary
BEPHAR has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €165k and a net result of €32k. Equity is growing by ~8.2% per year across the filed fiscal years. Its solvency ranks better than 48% of 10407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability55▼-3
Solvency60▼-40
Growth58=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 1.55; short-term debt: 64.6% and cash: 99.9% of total assets), but 64.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six 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 →
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
35.4%
Return on assets
6.9%
Age of the figures
9 mo
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
17 d early
2023
6 d late
2022
23 d late
2021
16 d late
2020
9 d late
2019
25 d late
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€32k▼ 9.0%
2024 · €35k
2018: €29k
2019: €30k
2020: €33k
2021: €30k
2022: €29k
2023: €30k
2024: €35k
2018 → 2025
Working capital
€165k▼ 61.9%
2024 · €433k
2018: €508k
2019: €247k
2020: €288k
2021: €326k
2022: €364k
2023: €398k
2024: €433k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€339k-€368k▲ 8.5%€398k▲ 8.2%€433k▲ 8.8%€165k▼ 61.9%
Operating result€40k-€39k▼ 4.0%€40k▲ 4.3%€47k▲ 16.5%€43k▼ 8.7%
Net result€30k-€29k▼ 4.3%€30k▲ 5.4%€35k▲ 16.5%€32k▼ 9.0%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €466k
Fixed assets
€341 =
Current assets
€466k ▲ 7.5%
Equity and liabilities €466k
Equity
€165k ▼ 61.9%
Debt
€301k ▲ 33,903%
Debt's share of the balance-sheet total rises from 0.2% to 64.6%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
1.55
Debt to equity
1.82▲
2024 · 0.00
ROE
19.4%▲
2024 · 8.1%
ROA
6.9%▼
2024 · 8.1%
Debt ≤ 1 year
€301k▲
2024 · €886
Income taxes
€11k▼
2024 · €12k
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 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€434k€466k▲
Fixed assets21/28€341€341=
Financial fixed assets28€341€341=
Current assets29/58€434k€466k▲
Amounts receivable within one year40/41€950€238▼
Other amounts receivable41€950€238▼
Cash at bank and in hand54/58€433k€466k▲
Equity and liabilities
Total equity and liabilities10/49€434k€466k▲
Equity10/15€433k€165k▼
Contributions10/11€124k€124k=
Capital10€124k€124k=
Issued capital100€124k€124k=
Reserves13€70k€12k▼
Non-distributable reserves130/1€12k€12k=
Legal reserve130€12k€12k=
Distributable reserves133€57k-
Profit (loss) carried forward14€239k€29k▼
Amounts payable17/49€886€301k▲
Amounts payable within one year42/48€886€301k▲
Trade debts44-€83
Suppliers440/4-€83
Taxes, remuneration and social security45€886€1k▲
Taxes450/3€886€1k▲
Other amounts payable47/48-€300k
Income statement
Code20242025
Other operating charges640/8€5k€5k▲
Gross operating margin9900€52k€48k▼
Operating profit (loss)9901€47k€43k▼
Financial charges65/66B€150€180▲
Recurring financial charges65€150€180▲
Profit (loss) for the period before taxes9903€47k€43k▼
Income taxes67/77€12k€11k▼
Profit (loss) for the period9904€35k€32k▼
Profit (loss) for the period to be appropriated9905€35k€32k▼
Appropriation of the result
Profit (loss) to be appropriated9906€239k€271k▲
Profit (loss) brought forward from the previous period14P€204k€239k▲
Transfer from equity791/2-€57k
Profit to be distributed694/7-€300k
Return on contributions (dividend)694-€300k
The notes to these accounts (5 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €35k ▲16.5%
Operating result €47k, net result €35k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 489.47
Current ratio from 161.57 to 489.47; short-term debt falls from €2k to €886.
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 6 days late
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
31-12
Financial
Weakest financial yearnet €29k ▼4.3%
Net result drops to €29k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 140.16
Current ratio from 38.11 to 140.16; short-term debt falls from €9k to €3k.
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 9 days late
2020
31-12
Financial
Liquidity times 14current ratio 25.57
Current ratio from 1.81 to 25.57; short-term debt falls from €306k to €12k.
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 25 days late
Show earlier events
2019
07-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 7 days late
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
03-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
7 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, Frameries · 1 establishment unit since 1993
Ground area
8,052 m²
Building footprint
5,342 m²
Volume, LiDAR
25,852 m³
2 parcels, Brussels, Wallonia · tallest building 24.4 m, ±2 floors. Linked by address, not a title deed.
24
companies at this address
See who is registered here
1 establishment unit
Lennikse Baan 400, 1070 Anderlecht
since 19932.063.807.929
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53028A0282/00E003 | Wallonia | 7,354 m² | 1 · 5,065 m² | 6.3 m · 2 fl. |
| 21307E0218/00H000 | Brussels | 698 m² | 1 · 277 m² | 24.4 m · 1 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.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesAnderlecht
Anderlecht2.063.807.929
Similar companies · same sector, comparable size
PHARMACIE PIRENNE
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Châtelet · Eq €164,874
PHARMACIE DES TROIS ROIS
BE 0660.982.051
Ans · Eq €164,824
BMVA
BE 0544.482.477
Bornem · Eq €164,734
Rougeardent SRL
BE 1003.844.684
Liège · Eq €165,657
Of 5,220 companies in sector 47730 we hold annual accounts for 3,861. 3,576 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
Founded03-06-1993
Fiscal year end31-12
Activities, NACEBEL 2025
47730Retail sale of pharmaceutical products
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.