PHAMALIMO
ActiveSummary
The annual accounts of PHAMALIMO for fiscal year 2024 show a net loss of 92% of the equity at the start of that year. The 2024 annual accounts show equity of €3k and a net result of €-28k. Equity is growing by ~19.8% per year across the filed fiscal years. Its solvency ranks better than 14% of 6537 sector peers (fiscal year 2024). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability0▼-65
Solvency27▼-12
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.2 against 0.7 in 2023; short-term debt: 76.1% and cash: 14% of total assets), and 98.4% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
1.6%
Return on assets
-17.8%
Age of the figures
21 mo
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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 6537 sector peers (2024).
NBB · sector comparisonPosition among 6537 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-08-2025, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
27 d late
2023
41 d early
2022
36 d late
2021
30 d late
2020
73 d late
2019
108 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Is the workforce growing, and do people stay?Employer check
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-28k
2023 · €11k
Working capital
€-98k▼ 151%
2023 · €-39k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€21k▼ 48.1%€26k▲ 23.3%€-2k€23k€-24k
Net result€10k▼ 65.6%€10k▲ 1.2%€-10k€11k€-28k
Equity€20k▲ 96.1%€29k▲ 49.6%€19k▼ 33.5%€31k▲ 59.0%€3k▼ 91.6%
Total assets€298k▼ 1.2%€258k▼ 13.3%€227k▼ 12.0%€224k▼ 1.4%€159k▼ 28.9%
Debt€279k▼ 4.6%€229k▼ 17.8%€208k▼ 9.3%€193k▼ 7.1%€157k▼ 18.8%
Working capital€-33k▲ 31.5%€-22k▲ 33.6%€-35k▼ 59.2%€-39k▼ 9.9%€-98k▼ 151%
Staff (FTE)1.2▲ 20.0%22=0.8▼ 60.0%
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €24k after €23k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €159k
Fixed assets
€136k ▲ 2.0%
Current assets
€24k ▼ 73.9%
Equity and liabilities €159k
Equity
€3k ▼ 91.6%
Debt
€157k ▼ 18.8%
Debt's share of the balance-sheet total rises from 86.2% to 98.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-15k▼
2023 · €32k
Cash flow
€-19k▼
2023 · €21k
Current ratio
0.20▼
2023 · 0.70
Debt to equity
59.98▲
2023 · 6.23
ROA
-17.8%▼
2023 · 5.1%
Interest coverage
-4.03▼
2023 · 4.83
Debt ≤ 1 year
€121k▼
2023 · €130k
Debt > 1 year
€36k▼
2023 · €63k
Income taxes
€346▼
2023 · €5k
Staff costs
€34k▼
2023 · €88k
A ratio outside any meaningful range has been withheld (balance sheet total €159k, equity €3k).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €10k | - | - | - | - |
| Remuneration, social security and pensions62 | - | €74k | €82k | €88k | €34k | ▼ 61.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €27k | €24k | €24k | €9k | €9k | ▲ 1.5% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €2k | - |
| Other operating charges640/8 | - | €2k | €2k | €7k | - | - |
| Non-recurring operating charges66A | - | €106 | - | - | - | - |
| Gross operating margin9900 | €111k | €126k | €106k | €128k | €21k | ▼ 83.5% |
| Operating profit (loss)9901 | €21k | €26k | €-2k | €23k | €-24k | ▼ 204% |
| Financial income75/76B | - | €61 | - | €40 | €16 | ▼ 59.9% |
| Recurring financial income75 | €534 | €61 | - | €40 | €16 | ▼ 59.9% |
| Financial charges65/66B | - | €11k | €7k | €7k | €4k | ▼ 44.6% |
| Recurring financial charges65 | €11k | €11k | €7k | €7k | €4k | ▼ 44.6% |
| Profit (loss) for the period before taxes9903 | €10k | €15k | €-9k | €17k | €-28k | ▼ 269% |
| Income taxes67/77 | €827 | €5k | €607 | €5k | €346 | ▼ 93.3% |
| Profit (loss) for the period9904 | €10k | €10k | €-10k | €11k | €-28k | ▼ 347% |
| Profit (loss) for the period to be appropriated9905 | €10k | €10k | €-10k | €11k | €-28k | ▼ 347% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €298k | €258k | €227k | €224k | €159k | ▼ 28.9% |
| Fixed assets21/28 | €185k | €161k | €142k | €133k | €136k | ▲ 2.0% |
| Intangible fixed assets21 | €30k | €15k | - | - | €11k | - |
| Tangible fixed assets22/27 | €155k | €146k | €142k | €133k | €124k | ▼ 6.5% |
| Land and buildings22 | - | €140k | €133k | €126k | €120k | ▼ 4.8% |
| Plant, machinery and equipment23 | - | €218 | - | - | - | - |
| Furniture and vehicles24 | - | €6k | €8k | €6k | €4k | ▼ 39.0% |
| Financial fixed assets28 | €50 | €50 | €50 | €50 | €50 | = |
| Current assets29/58 | €113k | €97k | €86k | €91k | €24k | ▼ 73.9% |
| Stocks and contracts in progress3 | €39k | €38k | €41k | €35k | - | - |
| Stocks30/36 | - | €38k | €41k | €35k | - | - |
| Amounts receivable within one year40/41 | €65k | €53k | €39k | €50k | €1k | ▼ 97.2% |
| Trade receivables40 | - | €53k | €38k | €50k | - | - |
| Other amounts receivable41 | - | - | €770 | - | €1k | - |
| Cash at bank and in hand54/58 | €8k | €5k | €5k | €6k | €22k | ▲ 278% |
| Deferred charges and accrued income490/1 | - | €683 | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €298k | €258k | €227k | €224k | €159k | ▼ 28.9% |
| Equity10/15 | €20k | €29k | €19k | €31k | €3k | ▼ 91.6% |
| Contributions10/11 | - | €34k | €34k | €34k | €34k | = |
| Reserves13 | €3k | €3k | €3k | €3k | €3k | = |
| Non-distributable reserves130/1 | - | €3k | €3k | €3k | €3k | = |
| Reserves not available under the articles1311 | - | €3k | €3k | €3k | €3k | = |
| Profit (loss) carried forward14 | €-18k | €-8k | €-18k | €-6k | €-35k | ▼ 443% |
| Amounts payable17/49 | €279k | €229k | €208k | €193k | €157k | ▼ 18.8% |
| Amounts payable after more than one year17 | €132k | €110k | €87k | €63k | €36k | ▼ 43.7% |
| Financial debts170/4 | - | €110k | €87k | €63k | €36k | ▼ 43.7% |
| Amounts payable within one year42/48 | €147k | €120k | €121k | €130k | €121k | ▼ 6.7% |
| Current portion of amounts payable after more than one year42 | - | €24k | €25k | €26k | €28k | ▲ 7.8% |
| Financial debts43 | - | €2k | €3k | €20k | - | - |
| Credit institutions430/8 | - | €2k | €3k | €20k | - | - |
| Trade debts44 | €77k | €46k | €50k | €51k | €35k | ▼ 30.4% |
| Suppliers440/4 | - | €46k | €50k | €51k | €35k | ▼ 30.4% |
| Taxes, remuneration and social security45 | - | €17k | €15k | €17k | €5k | ▼ 68.6% |
| Taxes450/3 | - | €8k | €4k | €5k | €5k | ▲ 0.8% |
| Remuneration and social security454/9 | - | €10k | €11k | €12k | - | - |
| Other amounts payable47/48 | - | €30k | €29k | €16k | €53k | ▲ 227% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €10k | €10k | €-10k | €11k | €-28k | ▼ 347% |
| + Depreciation and write-downs630 | €27k | €24k | €24k | €9k | €9k | ▲ 1.5% |
| Operating cash flow (approximation) | €37k | €33k | €14k | €21k | €-19k | ▼ 192% |
| Investment in fixed assets (approximation) | - | €0 | €-4k | €-496 | €-12k | ▼ 2,320% |
| Change in cash | - | €-3k | €-150 | €650 | €16k | ▲ 2,428% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 27 days late
2024
31-12
Financial
Weakest financial yearnet €-28k
Net result drops to €-28k, the lowest in the series.
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
05-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 36 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
12-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 73 days late
2020
16-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 108 days late
2019
31-12
Financial
Highest result since 2018net €28k ▲184%
Operating result €40k, net result €28k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Seneffe · 1 establishment unit since 2012
Ground area
4,240 m²
Building footprint
481 m²
Volume, LiDAR
1,447 m³
2 parcels, Wallonia · tallest building 11.5 m, ±3 floors. Linked by address, not a title deed.
13
companies at this address
See who is registered here
1 establishment unit
Pharmacie de l'Appel
since 20122.211.114.307
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52063C0201/00F007 | Wallonia | 2,402 m² | 1 · 339 m² | - |
| 55372C0059/00L108 | Wallonia | 1,839 m² | 1 · 142 m² | 11.5 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 5,221 companies in sector 47730 we hold annual accounts for 3,860. 262 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded19-06-2012
Fiscal year end31-12
Activities, NACEBEL 2025
47730Retail sale of pharmaceutical products
Contact
Phone
0479 10 02 21La Louvière
Scores and ratios are computed by Checked and are not a credit decision.