BILOBA HEVERLEE
ActiveBILOBA HEVERLEE has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-31k) and a net result of €14k. Equity is shrinking by ~12.2% per year across the filed fiscal years. Its solvency ranks better than 12% of 10359 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability44▲+37
Solvency21=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.57 against 0.83 in 2024; short-term debt: 45.9% and cash: 2.2% of total assets), and equity is negative.
Credit advice 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 →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 10359 sector peers (2025).
NBB · sector comparisonPosition among 10359 sector peers
Solvency
better than 12%
← weakest
strongest →
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
22 d early
2023
31 d late
2022
22 d late
2021
39 d late
2020
1 d early
2019
63 d early
← before the deadline
after the deadline →
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-31k▲ 31.4%
2024 · €-45k
2018: €69k
2019: €69k
2020: €70k
2021: €68k
2022: €69k
2023: €49k
2024: €-45k
2018 → 2025
Total assets
€761k▼ 25.7%
2024 · €1.02M
2018: €276k
2019: €220k
2020: €283k
2021: €506k
2022: €477k
2023: €608k
2024: €1.02M
2018 → 2025
Net result
€14k
2024 · €-94k
2018: €29k
2019: €35k
2020: €51k
2021: €-1k
2022: €8k
2023: €-20k
2024: €-94k
2018 → 2025
Working capital
€-150k▼ 56.5%
2024 · €-96k
2018: €109k
2019: €83k
2020: €68k
2021: €56k
2022: €-26k
2023: €111k
2024: €-96k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€68k-€69k▲ 0.1%€49k▼ 28.5%€-45k€-31k▲ 31.4%
Operating result€4k-€15k▲ 243%€-6k€-73k▼ 1,118%€44k
Net result€-1k-€8k€-20k€-94k▼ 379%€14k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €44k after a loss of €73k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €761k
Fixed assets
€562k▲ 0.3%
Current assets
€199k▼ 57.2%
Key figures and ratios
EBITDA
€82k▲
2024 · €-59k
Cash flow
€52k▲
2024 · €-79k
Solvency
-4.0%▲
2024 · -4.4%
Current ratio
0.57▼
2024 · 0.83
Quick ratio
0.27▲
2024 · 0.26
Debt / equity
-25.85▼
2024 · -23.96
ROA
1.8%▲
2024 · -9.1%
Interest coverage
2.74▲
2024 · -2.76
Debt
€791k▼
2024 · €1.07M
Debt ≤ 1 year
€349k▼
2024 · €560k
Debt > 1 year
€440k▼
2024 · €502k
Staff costs
€63k▲
2024 · €61k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.02M€761k▼
Fixed assets21/28€560k€562k▲
Tangible fixed assets22/27€560k€562k▲
Land and buildings22€334k€307k▼
Plant, machinery and equipment23€221k€251k▲
Furniture and vehicles24€6k€4k▼
Current assets29/58€464k€199k▼
Stocks and contracts in progress3€319k€104k▼
Stocks30/36€116k€104k▼
Contracts in progress37€204k€0▼
Amounts receivable within one year40/41€100k€71k▼
Trade receivables40€87k€68k▼
Other amounts receivable41€13k€3k▼
Cash at bank and in hand54/58€37k€16k▼
Deferred charges and accrued income490/1€8k€8k▲
Equity and liabilities
Total equity and liabilities10/49€1.02M€761k▼
Equity10/15€-45k€-31k▲
Contributions10/11€19k€19k=
Reserves13€51k€51k=
Distributable reserves133€51k€51k=
Profit (loss) carried forward14€-114k€-100k▲
Amounts payable17/49€1.07M€791k▼
Amounts payable after more than one year17€502k€440k▼
Financial debts170/4€502k€440k▼
Amounts payable within one year42/48€560k€349k▼
Current portion of amounts payable after more than one year42€14k€31k▲
Financial debts43€100k€100k=
Credit institutions430/8€100k€100k=
Trade debts44€193k€89k▼
Suppliers440/4€193k€89k▼
Taxes, remuneration and social security45€12k€13k▲
Taxes450/3€132€728▲
Remuneration and social security454/9€12k€12k▲
Other amounts payable47/48€241k€116k▼
Accrued charges and deferred income492/3€7k€2k▼
Income statement
Code20242025
Non-recurring operating income76A€0€76k▲
Remuneration, social security and pensions62€61k€63k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€38k▲
Other operating charges640/8€7k€5k▼
Gross operating margin9900€9k€150k▲
Operating profit (loss)9901€-73k€44k▲
Financial income75/76B€492€81▼
Recurring financial income75€492€81▼
Financial charges65/66B€21k€30k▲
Recurring financial charges65€21k€30k▲
Profit (loss) for the period before taxes9903€-94k€14k▲
Profit (loss) for the period9904€-94k€14k▲
Profit (loss) for the period to be appropriated9905€-94k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-114k€-100k▲
Profit (loss) brought forward from the previous period14P€-21k€-114k▼
Social balance
Average headcount (FTE)90871.31.3=
The notes to these accounts (13 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €14k
Net result €14k after 2 loss-making years.
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-94k
Net result drops to €-94k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 31 days late
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
08-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 39 days late
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €51k ▲43.4%
Operating result €54k, net result €51k, both a record.
29-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
08-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
16-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
11-05
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
2 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, Leuven · 1 establishment unit since 1995
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.
Tiensesteenweg 1543001 LeuvenGround area
603 m²
Building footprint
384 m²
Volume, LiDAR
2,745 m³
Parcel 24433E0085/00A009, Flanders · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
APOTHEEK BILOBA HEVERLEE
since 19952.073.447.254
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24433E0085/00A009 | Flanders | 603 m² | 1 · 384 m² | 10.8 m · 3 fl. |
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
1 siteHeverlee
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Of 5,222 companies in sector 47730 we hold annual accounts for 3,861. 2,738 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-07-1995
Fiscal year end31-12
Activities, NACEBEL
47730Retail sale of pharmaceutical products
52310
47750Retail sale of cosmetics and toilet articles
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.