J&L PHARMA has a registered holding activity and consists mainly of financial fixed assets; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €359k and a net result of €42k. Equity is growing by ~12.1% per year across the filed fiscal years. Its solvency ranks better than 66% of 9623 sector peers (fiscal year 2024). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Holding: general score not applicable
The company has a registered holding activity and financial fixed assets account for more than half of its assets. The general operating-company model is unsuitable for this profile, so we show no financial axes either. Filed figures remain available.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-07-2025, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
7 d early
2023
19 d early
2022
2 d late
2021
153 d late
2020
31 d late
2019
92 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€359k▲ 13.4%
2023 · €316k
2018: €168k
2019: €197k
2020: €226k
2021: €260k
2022: €292k
2023: €316k
2018 → 2024
Total assets
€680k▲ 1.8%
2023 · €668k
2018: €658k
2019: €659k
2020: €667k
2021: €662k
2022: €666k
2023: €668k
2018 → 2024
Net result
€42k▲ 72.3%
2023 · €25k
2018: €32k
2019: €29k
2020: €29k
2021: €35k
2022: €31k
2023: €25k
2018 → 2024
Working capital
€-210k▼ 1.4%
2023 · €-207k
2018: €-160k
2019: €-169k
2020: €-175k
2021: €-183k
2022: €-194k
2023: €-207k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€226k-€260k▲ 15.3%€292k▲ 12.1%€316k▲ 8.4%€359k▲ 13.4%
Operating result€49k-€62k▲ 25.0%€53k▼ 13.5%€41k▼ 23.2%€69k▲ 67.4%
Net result€29k-€35k▲ 20.0%€31k▼ 9.1%€25k▼ 21.6%€42k▲ 72.3%
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 recovers in 2024; 2024 is 67% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €680k
Fixed assets
€657k▼ 0.1%
Current assets
€23k▲ 133%
Equity and liabilities €680k
Equity
€359k▲ 13.4%
Debt
€321k▼ 8.6%
The debt ratio falls from 52.6% to 47.3%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
52.7%▲
2023 · 47.4%
ROE
11.8%▲
2023 · 7.8%
ROA
6.2%▲
2023 · 3.7%
Debt
€321k▼
2023 · €351k
Debt ≤ 1 year
€232k▲
2023 · €217k
Debt > 1 year
€89k▼
2023 · €135k
Income taxes
€20k▲
2023 · €9k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€668k€680k▲
Fixed assets21/28€658k€657k▼
Tangible fixed assets22/27€2k€638▼
Plant, machinery and equipment23€2k€638▼
Financial fixed assets28€656k€656k=
Current assets29/58€10k€23k▲
Amounts receivable within one year40/41€10k€19k▲
Trade receivables40€9k€19k▲
Other amounts receivable41€639€4▼
Cash at bank and in hand54/58€83€4k▲
Equity and liabilities
Total equity and liabilities10/49€668k€680k▲
Equity10/15€316k€359k▲
Contributions10/11€13k€13k=
Reserves13€304k€346k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€302k€344k▲
Amounts payable17/49€351k€321k▼
Amounts payable after more than one year17€135k€89k▼
Financial debts170/4€135k€89k▼
Amounts payable within one year42/48€217k€232k▲
Current portion of amounts payable after more than one year42€41k€49k▲
Trade debts44€3k€1k▼
Suppliers440/4€3k€1k▼
Taxes, remuneration and social security45€5k€9k▲
Taxes450/3€5k€9k▲
Other amounts payable47/48€167k€174k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€882€882=
Other operating charges640/8€385€182▼
Gross operating margin9900€42k€70k▲
Operating profit (loss)9901€41k€69k▲
Financial income75/76B-€10
Recurring financial income75-€10
Financial charges65/66B€7k€6k▼
Recurring financial charges65€7k€6k▼
Profit (loss) for the period before taxes9903€34k€62k▲
Income taxes67/77€9k€20k▲
Profit (loss) for the period9904€25k€42k▲
Profit (loss) for the period to be appropriated9905€25k€42k▲
Appropriation of the result
Profit (loss) to be appropriated9906€25k€42k▲
Transfer to equity691/2€25k€42k▲
To other reserves6921€25k€42k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €42k ▲72.3%
Operating result €69k, net result €42k, both a record.
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €25k ▼21.6%
Net result drops to €25k, the lowest in the series; recovery starts the following year.
02-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
31-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 153 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Equity above €200kEq €226k ▲14.6%
3 profitable years in a row build equity to €226k.
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
30-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 61 days late
11-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 164 days late
2017
09-01
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 162 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Antwerpen · 1 establishment unit since 2012
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.
Justitiestraat 812018 AntwerpenGround area
202 m²
Building footprint
118 m²
Volume, LiDAR
1,305 m³
Parcel 11810K2759/00W005, Flanders · tallest building 18.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
J&L Pharma
since 20122.215.436.547
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11810K2759/00W005 | Flanders | 202 m² | 1 · 118 m² | 18.6 m · 4 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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 4,000 EUR awarded · 4,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,000 EUR | 2,000 EUR |
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
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APOTHEEK MANN
BE 0815.855.617
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APOTHEEK SINT-LODEWIJK
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Hestia
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Apotheek Van Hoecke
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Balen · Eq €359k
Dr. Apr. D. Kieffer
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Hasselt · Eq €359k
Of 5,222 companies in sector 47730 we hold annual accounts for 3,861. 3,463 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-10-2012
Fiscal year end31-12
Activities, NACEBEL
47730Retail sale of pharmaceutical products
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.