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PHARMA OZ

Active
Private limited company·Detailhandel in farmaceutische producten· 3 yrs active
Rue Trieu Kaisin 121 ·6061 Charleroi, Belgium
KBO/BCE: BE 0795.841.547
Watch Print / PDF
Age3 yrs
Real estate1 parcel · 360 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of PHARMA OZ is 2.3% (moderate). The 2024 annual accounts show equity of €89k and a net result of €75k. Its solvency ranks better than 34% of 866 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Signals

1 signal · with evidence
Consistently profitable
Positive net result in the two most recent financial years (2023 and 2024).
View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Deadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 11 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-08-2025, 7 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.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 nothing on record not filed -
31-12-2024 31-07-2025 07-08-2025 7 d late 2025-00367198
31-12-2023 31-07-2024 17-06-2024 44 d early 2024-00134605

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
2.3% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€75k+427.9%
Working capital€-178k+0.4%

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 07-08-2025 with the NBB · fiscal year 2024 · volledig
€0€50k€100k€150kOperating result 2023: €73k€73kNet result 2023: €14k€14kOperating result 2024: €135k€135kNet result 2024: €75k€75k20232024
Operating resultNet result
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (full schema)
Metric This company Sector median Position in the sector
Solvency 7.4% 17.3%
better than 34% of 866 sector peers
Net result €75k €14k
better than 73% of 867 sector peers
Equity €89k €100k
better than 48% of 868 sector peers
Gross operating margin €135k €213k
better than 37% of 794 sector peers
Total assets €1.21M €767k
better than 66% of 867 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€135k
+86.2% 23-24
Net profit
€75k
+427.9% 23-24
Cash flow
€75k
+430.3% 23-24
Total assets
€1.21M
+1.3% 23-24
Equity
€89k
+524.3% 23-24
Working capital
€-178k
+0.4% 23-24
Income taxes
€20k
+289.3% 23-24
Debt
€1.12M
-5.0% 23-24
Debt ≤ 1y
€268k
+6.3% 23-24
Debt > 1y
€855k
-8.1% 23-24
Current ratio
0.34
+15.4% 23-24
Quick ratio
0.34
+15.4% 23-24
Solvency
7.4%
+516.4% 23-24
Debt / equity
12.57
-84.8% 23-24
ROE
84.0%
-15.4% 23-24
ROA
6.2%
+421.3% 23-24
Interest coverage
3.39
+148.5% 23-24
Figures by fiscal year
Fiscal year2024
Depositvolledig
Revenue-
EBITDA€135k
Net profit€75k
Cash flow€75k
Staff costs-
Income taxes€20k
Dividends-
Total assets€1.21M
Equity€89k
Debt€1.12M
of which ≤ 1y€268k
of which > 1y€855k
Working capital€-178k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.34
Quick ratio0.34
Working capital ratio-14.7%
Solvency7.4%
Debt / equity12.57
Long-term debt ratio9.57
Interest coverage3.39
Gross margin-
Net margin-
ROA6.2%
ROE84.0%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€1.21M
Fixed assets 21/28€1.12M
Tangible fixed assets 22/27€885
Financial fixed assets 28€1.12M
Current assets 29/58€90k
Amounts receivable within one year 40/41€75k
Cash & bank 54/58€15k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€1.21M
Equity 10/15€89k
Contributions / capital 10/11€100
Accumulated profits (losses) 14€89k
Amounts payable 17/49€1.12M
Amounts payable after one year 17€855k
Amounts payable within one year 42/48€268k
Trade debts payable within one year 44€3k
Income statement
Gross operating margin 9900€135k
Operating result 9901€135k
Financial charges 65€40k
Result before taxes 9903€95k
Income taxes 67/77€20k
Net result for the period 9904€75k
Result to be appropriated 9905€75k
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2024 · computed
51 / 100 Fair
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Establishment units

1 location
PHARMA OZ
Rue Trieu Kaisin 121, 6061 CharleroiDetailhandel in farmaceutische producten
since 20232.340.109.558
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area360 m²
Buildings1
Building footprint81 m²
Volume (LiDAR)840 m³
Tallest building12.0 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
52049B1011/00R002 Wallonia 360 m² 1 · 81 m² 11.9 m · 3 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health51Profitability100Solvency5Growth78Stability94
66 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 51
Profitability 100
Solvency 5
Growth 78
Stability 94

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AI due-diligence brief

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Credit advice

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

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Company registry

Company registry (CBE)

Crossroads Bank
Activities
Apotheken47730Detailhandel in farmaceutische producten47730Holdings64200Activiteiten van holdings64210
Primary activity highlighted.
Names & trade names
Legal nameFR PHARMA OZ
Registered office
Rue Trieu Kaisin 121
6061 Charleroi, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.