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Pharm'Training Lab

Active
Private limited companyfounded 20232 yrs activeRue de Mortagne(L) 129, 7900 Leuze-en-Hainaut, BelgiumKBO/BCE: BE 1002.941.891
Summary

The computed 12-month bankruptcy probability of Pharm'Training Lab is 2.2% (moderate). The 2024 annual accounts show equity of €37,760 and a net result of €35,760. Its solvency ranks better than 89% of 26049 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2024
Axes
Profitability100
Solvency100
Growth-
Track record67
Bankruptcy probability, 12 months
2.2% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,000 at 30 days acceptable
Liquidity ample (current ratio 3.51; short-term debt: 18.3% and cash: 31.3% of total assets), and 18.3% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
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 →
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 1 filing
Deviation from the deadline
2024
29 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its 2024 accounts 29 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

Pharm'Training Lab was incorporated on 4 December 2023 as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2024

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Financials · fiscal year 2024, micro schema

Equity
€37,760
Total assets
€46,228
Net result
€35,760
Working capital
€21,264

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €46,228
Fixed assets €16,495
Current assets €29,733
Equity and liabilities €46,228
Equity €37,760
Debt €8,469
Debt finances 18.3% of the balance-sheet total.
Key figures and ratios
2024 value
EBITDA
€47,863
Cash flow
€38,200
Current ratio
3.51
Debt to equity
0.22
ROE
94.7%
ROA
77.4%
Interest coverage
664.58
Debt ≤ 1 year
€8,469
Income taxes
€9,942

Peer companies

Historical observation

Of the 39,276 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.6% went bankrupt
2.2% stopped otherwise
96% still going

A further 0.5% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 2.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 39,276 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 · 34 lines
Balance sheet Code2024
Assets
Total assets20/58€46,228
Fixed assets21/28€16,495
Intangible fixed assets21€5,237
Tangible fixed assets22/27€11,258
Land and buildings22€8,997
Furniture and vehicles24€2,261
Current assets29/58€29,733
Amounts receivable within one year40/41€15,258
Trade receivables40€3,556
Other amounts receivable41€11,702
Cash at bank and in hand54/58€14,475
Equity and liabilities
Total equity and liabilities10/49€46,228
Equity10/15€37,760
Contributions10/11€2,000
Profit (loss) carried forward14€35,760
Amounts payable17/49€8,469
Amounts payable within one year42/48€8,469
Trade debts44€190
Suppliers440/4€190
Taxes, remuneration and social security45€8,278
Taxes450/3€8,278
Income statement Code2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,440
Other operating charges640/8€1,253
Gross operating margin9900€49,116
Operating profit (loss)9901€45,423
Financial income75/76B€351
Recurring financial income75€351
Financial charges65/66B€72
Recurring financial charges65€72
Profit (loss) for the period before taxes9903€45,702
Income taxes67/77€9,942
Profit (loss) for the period9904€35,760
Profit (loss) for the period to be appropriated9905€35,760
Appropriation of the result
Profit (loss) to be appropriated9906€35,760

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,440
Other operating charges640/8€1,253
Gross operating margin9900€49,116
Operating profit (loss)9901€45,423
Financial income75/76B€351
Recurring financial income75€351
Financial charges65/66B€72
Recurring financial charges65€72
Profit (loss) for the period before taxes9903€45,702
Income taxes67/77€9,942
Profit (loss) for the period9904€35,760
Profit (loss) for the period to be appropriated9905€35,760
Line2024
Assets
Total assets20/58€46,228
Fixed assets21/28€16,495
Intangible fixed assets21€5,237
Tangible fixed assets22/27€11,258
Land and buildings22€8,997
Furniture and vehicles24€2,261
Current assets29/58€29,733
Amounts receivable within one year40/41€15,258
Trade receivables40€3,556
Other amounts receivable41€11,702
Cash at bank and in hand54/58€14,475
Equity and liabilities
Total equity and liabilities10/49€46,228
Equity10/15€37,760
Contributions10/11€2,000
Profit (loss) carried forward14€35,760
Amounts payable17/49€8,469
Amounts payable within one year42/48€8,469
Trade debts44€190
Suppliers440/4€190
Taxes, remuneration and social security45€8,278
Taxes450/3€8,278
Line2024
Profit (loss) for the period9904€35,760
+ Depreciation and write-downs630€2,440
Operating cash flow (approximation)€38,200

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
29-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 act for this company is 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, Leuze-en-Hainaut · 1 establishment unit since 2023
seat establishment approximate The establishment unit on the map
Ground area
4,192 m²
Building footprint
222 m²
Volume, LiDAR
1,162 m³
Parcel 57048C0262/00V000, Wallonia · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Pharm'Training Lab
Rue de Mortagne(L) 129, 7900 Leuze-en-HainautAgents in non-specialised wholesale trade
since 20232.352.665.417
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
57048C0262/00V000 Wallonia 4,192 m² 1 · 222 m² 6.9 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

Of 5,220 companies in sector 47730 we hold annual accounts for 3,862. 2,355 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
Founded04-12-2023
Fiscal year end31-12
Activities, NACEBEL 2025
47730Retail sale of pharmaceutical products
70200Business and other management consultancy
73300Public relations and communication consultancy
82300Organisation of conventions and trade shows
82990Other business support services
85592Vocational training
E-invoicing
Reachable via Peppol
Peppol ID 0208:1002941891
Registered 28-07-2024

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.